I've forgotten, are we supposed to be agreeing or disagreeing on something:D? Yes that's the bible of o/d's that I preach from when people try to say they are not regulated. Are you suggesting that it's not proper to CCA request an OD? Well, I believe it is for 3 reasons - 1)technically a cca is perfectly correct until they come back and prove that they have got determination exemption - agreed they all have but that's not the point. 2) It dont half make their head hurt plus the response to the CCA is vital in deciding what to do next - some will come back with the part v exemption (thank you very much, so you have the letter then?) and some will try and say that the cca does not cover o/d's - brilliant! 1st and capquest BOTH came back with 'not covered by the cca' when I cca'd them. At which point I sent them the 78(6) dispute letter and they bogged off! and 3) I like to wind 'em up was it the cca that we disagreed on? I've slept since!

Hi Milo, provided your few cans a couple of times a week is a few cans then you should be OK. Mains things tested are MCV (red blood cell size) and gamma GT enzyme levels, both of which are only significantly affected abuse, esp. binge drinking. The 12 month 'thing' is a common myth and it's not done. It is technically possible though using some enzyme level ratios. In fact, from a hair sample you can plot the drinking habits of the person since the hair started to grow. Less then 1% of people that take the medical fail it - which is remarkable given that if you took a random sample of people 10% would fail!

The Consumer Forums - Debt collectors

I have to agree with the citizen here. This does not make any sense whatsoever. Just exactly what are you supposed to be negotiating a settlement on? They have not sent you the documents to prove their case so at this stage there is nothing to settle to my mind. First check with the court that this is real and find out exactly what is going on. How can you negotiate when you do not have the documents? Why has there not been a hearing date set. I could be wrong but I smell a rat!

yes somewhere - I always seem to find then by accident. I have the links on a different pc so if you get stuck let me know tomorrow and I'll post the link

If the 14 days are up then send them the 'stick ti up yer bum 'til the cca is fullfilled' letter from the templates, known as the 78(6) matter in dispute letter in polite company. I guess they can technically ask you if you would like to make a voluntary payment but that's all. Yes they like the opportunity to try and pressurize you on the phone - if you detach yourself and actually listen to what they are saying then it can get quite funny so dispute letter with the everything in writing paragraph

write to dvla recorded delivery, give your details, the cars reg and the new keeper details

I would send an lba to ken maynard himself, and if they still come back with the same logic then send them an N1 for christmas

cputr 2008 is better than the admin justice act now

get yourself a holding defence drawn up, work out when it has to be in to the court by and make sure the court get it the day before. Beyond that chill until they respond to your cpr requests. I think the deadline is 14 calendar days but it doesnt matter they rarely respect it. Stand by for either no response or s response the day before the defence is due in, at which point refer to my post above. -what did they say about the cca request?

Tough call, but firstly there is no requirement to chase a response to a cpr request. I would pick a cut off date as 'right that's it I'm filing my defence based on what they sent so far'. If the send anything after that date then tell the court it did not arrive in time - DO NOT let them pressure you into putting in a rushed up last minute defence.

I know this one, it's the only bit of the rankine judgement that's of any use to anyone really. A section 78(6) dispute does not prevent a creditor from commencing legal proceedings rankines vs HFC and others 2009.

read up on why you want a 2 grand compensation! There's not much else you need really, just read as much as you can find on the process

have a look round for what to put in the forms here's one I prepared earlier: http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/230367-statutory-demand-capquest-5.html#post2635073

losing samples is quite rare - the nurse takes two samples at the medical and I believe only one is sent for analysis. Losing the paperwork is more common I dont think DVLA would trust any samples that didnt come from one of their per doctors

couple of suggestions in green

my advice is always send a cca as your opening salvo and what waffle you get in response then go from there

send a cpr 31.14 and a cpr 18 and get a holding defence ready for when they dont comply with your requests in time.

I would recommend a cpr 18 request as well as a 31.14, this lot are known for their 'sliminess' and with that you give them no excuse to refuse any documents I do not think it will sit well with the court issuing a claim 5 days after the alleged assignment, it is after all supposed to be a last measure of potential enforcement get ready for a lot of messing about with HC sneaky, esp. over assignment and defaults and the agreement. They know as well as we do that their letter does not constitute any form of assignment to anyone

you are going to have to give more details as snoops says. I got the impression in your earlier posts that you were thinking of putting in a 'get stuffed I dont owe it' defence? Whilst I con understand the sentiment I would urge you to 'jump through the hoops' or you could lose this by default. What kind of debt is it, do you have the paperwork, and the details of their claim would help us help you. The process goes something like this: you request documents to support their claim using cpr 31.14 / 18 then you prepare a holding defence. Make sure you work out the court submission deadlines and stick to them. hope that helps for now

the first one does not make send they need to decide if aktiv or MH are there client. The second one provides no reason for you to contact, hence it can be ignored. do any of the refs on the 2nd one match the first? Most importantly these two companies are generally quite clueless. Options I would suggest 1) tell merit it's in dispute with aktiv and tag on the doorstep bog off letter and ignore the second one 2)tell merit its indisput with aktive and they need to decide who they are approching you on behalf of and tag on the doorstep bog off letter and ignore the second one. 3)ignore both and wait for a reply from aktiv personally I would go with option 2.

In that case a DN would be very important, did you get one? (just thinking ahead, see what the CCA brings back)

They have no legal rights whatsoever. From now on write not at this address on them and chuck them in a post box. Or open them all and e-mail everyone of them to say the same thing I still get letters for people thraetening all sorts of things, nothing has ever happened and I've lived here for 7 years.

You are certain there is a CCJ? ie you have a claim number and a court order? HAve you checked with the issuning court? They cannot 'put a charge on your house' like a game of monopoly or something. They need a ccj, then you need to not pay the court order then they need to apply to the court. First check the ccj is real then if it is you'll have to apply for a set aside.

You have to say that you moved out in october 2004. They have to prove the contrary if they wish to take this any further. It is not for you to disprove beyond a letter. It is for them to either bog off or prove.