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    • Is the letter headed Letter of Claim/before Claim or similar? If not, it sounds like more of the threatogram chain. If you're not sure, post up an anonymised copy of the letter and we'll check. HB
    • So guess what, we have received a final demand letter for £100. It states if payment is not made by 11/06 they will have no option but to forward the case to their litigation dept with a view to commence County Court Proceedings. So just wondering if anyone has any advice. Do we ignore this? or do we need to take action? Thanks 
    • hi dx, thanks for helping just re-reading everything this morning and I must have missed this one from uncle in his thread "What you should not do, is not contact the Banks and simply default on payments. "  are you in disagreement with this based on your last sentence?
    • Thanks for the reply and clarification, that might just explain why in my case contact has pretty much ceased. Though with such companies it doesn't mean they won't ever threaten to return to court as a tool to force one's hand if they feel they are not self informed on their chances etc.  But concerning how last year they tried to use the CCJ to get a charging order and the court granted an intirum order on our mortgage using the CCJ that would have been a good 2-3 months beyond the 6 years, should the court not have checked the age of the CCJ in the first case or would they always grant an interim order simply off the back of a CCJ being produced without even checking the age of it?.  Had I not defended that action at the time they may well have got a default using a CCJ older than 6 years which could be a concern going forwards. At the time when I contacted the court to question the paperwork for a final order application the clerk suggested people don't get informed when companies apply for interim charging orders, they are automatic if a claimant has a CCJ and people only get contacted once a date for a final order application goes through. kind of begs the question if such companies can continue a seemingly backdoor method to attempt default action if un-defended if the initial application doesn't need to check the age of a CCJ?.
    • Hello!  Wondering if someone can help with this.  I suspect not but worth a go.  I appreciate the "contract is with the seller" line, which is what Evri has fed me but wanted to see if someone with experience in these things could suggest anything else I could do here.  I appreciate there are many topics about lost parcels - My parcels weren't lost, until the driver walked up to my door with them and then decided to make them lost/stolen... I'll summarise what has happened.  Wednesday of last week - Evri delivery driver stole / walked off with 3 of my parcels.  -  Arrived outside my properly, took photos (3 separate photos as its 3 separate deliveries) of the tops of the parcels (pointlessly zoomed in on just the labels, couldn't see anything else, other than a small piece of the pavement and a little weed, which doubly confirms it was outside my door as I can see the same plant), marked the order as delivered and walked off with them.  He's marked on the Evri GPS marked that he was outside.   -  3 different deliveries, from the same company (same boxes etc.), but 3 separate tracking numbers. -  Went through the Evri bot which opened a case on each tracking number.  I then phoned them and left a voicemail explaining what had happened. -  24 hours later had a canned response asking me if the packages had turned up and to check around etc..  I responded explaining again what happened and that they've definitely been taken. -  4 days later,  this morning, I get a response telling me to ask the merchant to refund me. I've responded to this message with a long email, repeating what I said, that I believe the driver has stolen these packages and that he took those suspicious top down shots of the packages, marked them as delivered without ringing or knocking etc.  I've said that I expect them to investigate further, but I gather they won't. In my several messages to them initially and later, I told them I don't care about a refund and wanted the parcels.  They contain some sentimental stuff, nothing of high monetary value, hence me going to this trouble.  I only paid £25 for the contents. I did contact the merchant when this first happened and they asked me to wait a few days.  They ended up refunding me despite me asking them not to and that I wanted them to escalate it with Evri because this appears to be a case of theft.  They didn't seem bothered - Refunded me and told me to go back to Evri and escalate it with them? So - Is there any way to compel Evri to conduct a proper investigation with this driver?  Search for my parcels? I have quite a lot of deliveries handled by Evri (not out of choice) - They used to have a fantastic chap and I rarely had any issues.  He has been replaced by a new guy and I believe the route is handled by this same guy who I believe has taken my packages.  Naturally, I fear this is going to happen again in the future if no investigation occurs. Appreciate any assistance - Thanks for reading. Al.  
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Capquest want to know if I have a car.


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Got a surprise call from Capquest tonight, had a few beers with a mate beforehand and so decided to let them have their 2 mins of glory before I shot them down in flames by quoting a few OFT guideines at them and that they weren't to ever call me ever again.

 

One of the daft questions they asked was "Do you own a car?" I do, but I told them didn't understand the question, and from that moment went into very vague mode. Especially when asked as to when I would be paying them and how much.

I then got the "we're recording this call sir" So temtation got too great,and went into a drunken rendition of the happy days theme tune asking 2 lines later if they could send me a recording of it. .....More threats followed....So I gave them the don't ever call me again line and all corresponence should be in writing from now on.

 

Gone bit off track now...oops.......:p

 

But does anyone know why a DCA would ask if you had a car?

 

Also be good if CAG could have a section where you could post mp3 files of amusing conversations you have recorded of DCA calls. I think this would be a help to people who are more nervous about DCA calls and reassure them there's nothing to be scared of and it can be quite fun really.

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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I suppose in many respects it is the only thing worth levying on - especially as very often it would be parked in the drive.

 

Unfortunately, with regard to your last point, mp3 file can be rather large and it would put too much strain on the server to allow uploads of such large files. Of course, that does not stop a user from uploading such files to one of the many file storage sites and posting a link.

 

 

 

 

 

 

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May be worth trying it and see. Be interesting to hear other peoples experiences with dca's and also a good way of gatherering evidence of OFT breaches by DCA's. Especially when CAG starts selling the phone recording kits.

 

As for my car, I spend most of my time at my girlfriends house and when it is parked at home, it looks like it belongs to next doors lol. Would take it into a field and set fire to it before I would let a DCA get their hands on it (they would need to produce a few CCA's first lol). Not sure the owners club I'm a member of would be to happy about me torching a rally classic though. :cool:

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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I suppose in many respects it is the only thing worth levying on - especially as very often it would be parked in the drive.

 

How can they take your car without you defaulting on a CCJ, etc, first? Even then can they take a car if you need it for work or other vital things like taking kids to school, sick granny who lives in the middle of nowhere, etc? The debt Capquest claim I owe is fleabay and Pay-(no) Pal (of mine), account and nothing to do with car loans or finance, so I can't see how they can ask if I own a car or not is relevent.

 

Be interesing to see what they would say if I said yes I have a car, etc. Just to see what they say would happen to it. Am sure it would be a breach of OFT guidelines, like when they ask if you can borrow the money from friends or family, or get a loan from somewhere else so you can pay them.

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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I then got the "we're recording this call sir" So temtation got too great,and went into a drunken rendition of the happy days theme tune asking 2 lines later if they could send me a recording of it.

 

Can I have a copy please? LOL

The REAL Axis of evil: Banks, Credit Card Companies & Credit Reference Agencies.

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I'm sure they won't send me a copy of it. booo hissss

 

Next time I call a dca, or most likely they call me after a visit to the pub. I will record it and post it on here.

 

You've just given me an idea. Alphageek. Might be a good idea to have a thread so peeps can post their best and most appropiate song recordings to the dca scumbags, so we all can have a good laugh. Most peeps looking on here are probably feeling a bit down in the dumps, so would be good if they could stumble on something that would make them laugh at a DCA's expense. Would also show them there's no reason to be frightened of them.

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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I then got the "we're recording this call sir"

 

What does it matter if they are recording the call or not exactly?

You are not under police caution or something! lol

If they phone you..you are entitled to say what you wish & just coz they are "recording the call" means diddly squat :rolleyes:

Dont know who the hell these DCA's think they are...:mad:

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I hope they do record calls. I'll be recording mine in the future. Just wondering what song to sing to them. When I decide, I'll do it and post it on here. (can't sing by the way so go and buy some ear plugs now lol)

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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I hope they do record calls. I'll be recording mine in the future. Just wondering what song to sing to them. When I decide, I'll do it and post it on here. (can't sing by the way so go and buy some ear plugs now lol)

 

If you decide you wish to talk aload of nonsensical gibberish down the phone to them then that is ur right to do so.

Just coz they are "recording the call" means sweet fa & like i said, you are not under any cautions etc..

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If you want to watch happy days, it's on one of the freeview channels most weekdays. Two episodes an evening.

Can't remember which channel is either 35 five US or 36 five life. Early evening from 5pm onwards I think.

 

Got the theme tune as my moblie ringtone at the moment.

 

Just started a thread on here for songs to sing when DCA's call me. The best suggesions I will sing and record and post links to on here.

 

Now you know why they say I'm a bit Fuzzy.

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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