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    • You could forward it to yourself but before you click send, take out your personal details. Does that help? Although I run this forum I am not a massive techie either! But we would like to see it and also to understand who is who – dates, et cetera. What you typed above doesn't really give many clues and certainly only contains one date and time and doesn't identify the order in which they were sent to each other.  
    • Hey, How can I put a copy of the email on here and still keep it confidential? I really do want to give you all the info you need but I'm not tech at all.  I've just emailed the mechanic using your quote as a template. I will let you know what the reply is. Thanks so much everyone
    • In the midst of the parties launching their manifestos this week, we have also received the latest labour market data […]View the full article
    • Thank you. We like to see also the exchange between you and the mechanic/garage telling about the gearbox. Also, send an email to the garage whose mechanic called you:   Get this email to them as soon as possible. Hopefully it will draw a response which will confirm what they say – but even if it doesn't draw response – as long as there is no denial then it is fine. Even if there is a denial, it won't be too important but it would certainly be nice to get a paper trail which supports what you say. Please send this off and come back here and confirm that you've done it
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Paying DCA for 9 years!


cirrus
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Chris W No to S.A.R only way this route would work if it sent to OC BUT as debt 9 years old there no way to get any dodgey charges back as per the limitations act

 

You missed my meaning! What I was gettig at is that sirrus has probably paid the amount the DCA paid for it a few times over.

 

Regarding the default they can only disclose the last six years regardles of weather the debt is paid or not

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  • 4 weeks later...
  • 1 month later...

Hi Chaps. Bit of an update and help needed please. After I submitted the CCA request in Jan I never heard anything from Credsec until today. I had stopped the D/D and still not heard from them. However, their letter to me today said that I have disregarded NUMEROUS requests for settlement and that if they do not recieve a payment of repayment proposal by Noon on 9th April then a claim will be prepared for issue in Aylesbury county court (200 miles from me) for the debt, interest and costs and any judgement will be enforced by court bailiffs.

How can they do this? My CCA request was sent weeks and weeks ago with NO reply from them whatsoever. I sent it recorded delivery and have the proof of postage and tracked it to check it was recieved.

Help please!

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Any judge would query why theyhad taken so long to go to court in the first place... and why they had not replied to your CCA request. They clearly are in default and if you receive notification from Aylesbury court when you defend the claim will be transferred to your local court.

 

I think their threatomatic machine has been restarted by your CCA request....

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So are we saying I should let them go through with it and then aim to defend it in court?

 

yep. let it run :D

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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With no CCA court action would be foolish. The best result for you would be no CCA, no court and them stopping chasing you.

If they cannot produce a CCA they WILL still try to bully you into submission, but the alleged debt is unenforceable.

IF they do produce a valid CCA you would need to start paying again and make up any backlog, so don't spend the money yet.

 

Newborn

Beaten:

RBS: £4,500

AMEX: £4,200

Barclaycard Visa: £12,100

Barclaycard M/Card: £12,600

(Including the numerous DCAs they have set on me.)

PPI reclaims (into my bank account): £25,000

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they could if they can, i'd wait till 2 weeks after deadline, if nothing then I think it's time to start on the DCA, force them to provide 1 by taking them to court. i had sim with robbing way but they SAID they got no cca. they kept bugging so i threatened them with court, this was nearly a year ago and not heard a peep since :)

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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I think you should call their bluff and see if they can produce a valid CCA.

No valid enforceable CCA, no debt, no court action. (Or if they do take you to court with no CCA you win).

If they send you a CCA post it on here for all to see with personal data removed so it can be assessed.

The DCA will continue to harass you whether or not they have a CCA. They want your money, not a court case.

 

Newborn

Beaten:

RBS: £4,500

AMEX: £4,200

Barclaycard Visa: £12,100

Barclaycard M/Card: £12,600

(Including the numerous DCAs they have set on me.)

PPI reclaims (into my bank account): £25,000

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Thanks Newborn. So because I sent them a CCA request 3 months ago and they haven't complied do I take it I don't write to them to state that I have requested one previously and instead sit tight to see what their next move is

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On the time frame you have given, if they have not complied and they continue to demand payment (ie trying to enforce the debt) they have committed a statutory offence, and you can complain to all and sundry.

If they have done nothing, then wait.

 

Newborn

Beaten:

RBS: £4,500

AMEX: £4,200

Barclaycard Visa: £12,100

Barclaycard M/Card: £12,600

(Including the numerous DCAs they have set on me.)

PPI reclaims (into my bank account): £25,000

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  • 2 weeks later...

Ok, had letter yesterday saying I must give them a payment proposal within 7 days now or they will send local collectors round or take me to County court. Is it worth me writing to them with the standard template we have about visiting in person? If I do this then should I also advise them that for the last 3 months they have ignored my CCA request?

I just do not want bailifs at my door.:(

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Hi cirrus,

 

Without a valid CCA they won't take you to court (unless they're stupid), and with no court there can be no CCJ and therefore no bailiffs.

 

When this happened to me I sent a letter along the lines of 'I do not owe any money to you or any company you represent .'

Then point out their failure to comply with the CCA request followed by 'this account is still in dispute and therefore your continued attempts at recovering the alleged debt either by letter or visit by a collector, are outside OFT guidelines'.

 

Hope that helps.

 

Newborn

Beaten:

RBS: £4,500

AMEX: £4,200

Barclaycard Visa: £12,100

Barclaycard M/Card: £12,600

(Including the numerous DCAs they have set on me.)

PPI reclaims (into my bank account): £25,000

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  • 3 weeks later...

Well, I sent the letter as advised and had a letter back today from the DCA which said the following:

"Dear Mr ......

 

We acknowledge reciept of your recent letter from which your comments have been noted.

In the circumstances we will take no further action and have returned your account for our clients attention.

 

All future communications should be forwarded to our client."

 

The client is Lloyds TSB in this instance. Does this mean the DCA cannot find the CCA and have decided to 'close' the file or am I missing something?

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It means they know THEY cant win, so Lloyds will pass it on to somebody else to have a go... then it all starts again I'm afraid. It might eventually all end up with the this stupid bunch again.

 

Take a look at this thread.. it explains how a DCA works.. good reading.

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/134506-inside-dca.html

 

Regards

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Cirrus,

 

I have just joined this fantastic forum.

I love it! So much information and so many helpful and knowledgable people.

 

 

I do not wish to hi-jack your thread but I am in the same boat as you.

I have been paying £10 a month for years to Robinson Way.

Not any more - I hope!

 

I sent off my CCA letter this Saturday. Will keep you informed.

 

Good Luck with yours.

We know no mercy and do not ask for any.

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