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Curlyben

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Everything posted by Curlyben

  1. HL specialise in bulk template letters for DCA's and are as meaningless as they come. They wont be taking action in this or any other case, at all. I;d be inclined to report them to the LCS for these tactics..
  2. All good. Just file it with the Moorcrap ones After all it's the same letter with a different heading..
  3. Midas - Pseudo legal inhouse Moorcrap monkeys. Look at the bottom right corner
  4. Easy enough. Keep to your arrangement with Payplan and if CL continue to push simply refer them to Payplan. After all they are your appointed representatives and as such CL should be conversing with them and NOT you. You wont "end up with a CCJ." as there is a long process, involving court action, before this could happen. DCA's say alot of bovine Excrement, 99.9% of it is a steaming pile..
  5. SWT, that is NOT a DEED of assignment, in fact it's darn near meaningless..
  6. Tell them you will sue THEM for the charges etc They soon run a mile.
  7. *Yawn* You STILL Pi$$isng about with these Loosers... Will you never learn
  8. I did have Debitas, but that was before I started this whole adventure. They happily passed the Cap1 balance to Lowell/Red/Hamptons who I successfully sued for my charges
  9. They're the only "real" solicitors out of the whole bunch. The others are simply Solicitors-For-Hire and completely ignorable. Admittedly Cohen does have a tenancy of filing court claims before the assignment paperwork is dried and likes to ignore pre-action protocols.
  10. Even better is went SB half way through all of this as well !!! I just don't have the heart to tell them
  11. Just for you Bookie I'll do a couple of the more interesting ones: Barclaycard > Mercers > RMA > NCO > Letham-Locke > Alliance One > Credit Security GE Money (store card) > European Collections and investigations > Wescot > Nelson Guest > Thames Credit > Aktiv Kapital > BCW > Philips > BCW > Muckie Hall > Meritforce > BCW Next > Scotcall > Scottish Beaureaux > CL Financial > Lewis > HC Cohen Freemans > EOS > Golds > Wescot > Nelson Guest > Capquest > HL Legal > Wescot NO CCA's anywhere in this lot !!!
  12. Me neeither. It's amazing how far down the DCA's hierarchy I've got with some of these A number of these are DCA A acting for DCA B. Now as I have already told DCA A to naff off you would of thought they'd get the message The best one was Phillips acting for BCW who are acting for Thames who are acting for AK on a SB'd debt !!! Threaten all the usual and then some. I even called this shower and tore them a new one and finished off by saying I'd see them in court for overt harassment. Ferguson Vs Britsih Gas makes them run a mile Had a nice grovelling letter of apology from them as well. The next DCA that cross my path, I'll answer their DPA question as Curlyben and see how quickly they run orf... The only one of this list that had me slightly worried was [problem], but seeing that the account is in serious dispute they soon backed off while it was resolved.
  13. As you know I keep score on the DCA's I have binned. Now I don't count multiple accounts with the same shower, so each of these are unique, separate "companies". Well different letter heads anyway Bear in mind that this is for a total of 8 accounts between me and the missus and 4 for my brother. Enjoy: In no particular order.. * 1 Lowell * 2 RED Debt * 3 Hamptons Legal * 4 Aktiv Kapital * 5 Thames Credit * 6 Wescott * 7 BCW * 8 Capquest * 9 Mercers * 10 RMA * 11 NCO * 12 Credit Security * 13 Scottish Bureaux * 14 CL Financial * 15 Lewis Debt Recovery * 16 Droyds * 17 Debt Managers * 18 Machenzie Hall * 19 EOS * 20 Reliable * 21 DLRS * 22 Scotcall * 23 Moorcroft * 24 Fire * 25 Cabot * 26 Ruthbridge * 27 Direct Legal * 28 JB Debt Recovery * 29 Hillesden Security * 30 Credit Resource Solutions * 31 Phillips * 32 Meritforce * 33 Interim Justica * 34 European Collections and investigations * 35 Alliance One * 36 Midas Legal "Solicitors" * 1 HL Legal * 2 HC Cohen * 3 Golds * 4 Nelson Guest * 5 Letham-Locke * 6 [problem] These are all over the last THREE years, since discovering the joys of charges reclaiming and CCA. Pretty sad really.
  14. File it under I, or even better nail it to the back of the loo door, just in case you run out of paper. Muckie hall don't deserve even the cost of a stamp. they can't do toffee anyway as they are acting as agent for another DCA
  15. The T&C's are irrelevant as the prescribed terms MUST be within the signature document. This is taken from another thread; This applies to all agreements pre May 2005. So basically this is unenforceable, under 127(3). Just to add to my comments re terms witin signature doc. This was covered off in Wilson and another v Hurstanger Ltd [2007] EWCA Civ 299 Schedule 1 to the 1983 Regulations sets out the "information to be contained in documents embodying regulated consumer credit agreements". Some of this information mirrors the terms prescribed by Sch 6, but some does not. Contrasting the provisions of the two schedules the Judge said Overall this is for toffee, so they simply need telling so. It's missing ALL of the prescribed terms and as such would make a good paper airplane.
  16. Well is there anything to actually say to them at all ?? Have they filed a default against you for this ?
  17. It's a little embarrassing that I, a "mere consumer", can substantially ruin a nice little earner for these companies. Na, bolox I just hates em I love to RoShamBo them whenever I get the chance Urban Dictionary: Rules of RoShamBo
  18. Well I'm still having fun as I have recently acquired some new "friends" from a family member. The slight downside of this is once they are done I will of personally beaten OVER 40 different DCA's for various accounts !!!
  19. Use both and simply add a line to mine say copy enclosed for your perusal and ease of reference..
  20. Dave I don't lurk I'd be inclined to straight for the throat and call them out Try something along these lines: Also it seems Moorcoft have got them selves anew desk. As well as the old faithful Pre-litigation and Pre-court departments they now has a Home visits department as well
  21. Blimey !!! And I've only just seen this, yet it's been up ALL day !!
  22. Cancelation and copy docs SI It's all about omitting certain details, ie your signature and address. Is an attempted get out clause for sending a blank agreement. Obviously the major issue here is the fact the prescribed terms are NOT present in the signature document as they should be for an agreement of this age. Separate T&C's just don't cut it This is taken from another thread; This applies to all agreements pre May 2005. So basically this is unenforceable, under 127(3). Just to add to my comments re terms witin signature doc. This was covered off in Wilson and another v Hurstanger Ltd [2007] EWCA Civ 299 Schedule 1 to the 1983 Regulations sets out the "information to be contained in documents embodying regulated consumer credit agreements". Some of this information mirrors the terms prescribed by Sch 6, but some does not. Contrasting the provisions of the two schedules the Judge said
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