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    • So I am now in receipt of a second Letter of Claim this time from DCBL although their letter head now says " DCBLegal"  😱 Now I'm guessing one response to a letter of claim is sufficient and I could ignore this but having been inspired by other snotty letters I wanted to have another bash at one. How does this sound? Dear Lackeys of Company with Unconscionable Morals, Thank you ever so much for gracing me with yet another Letter Before Claim on behalf of Excel Parking Services. How many of these delightful missives do you plan on sending before you muster the courage to follow through on your threats to take me to court? Just so we're clear, here is the response (in italics by that I mean the slanted text below) I previously sent to Excel’s Letter Before Claim, in case your attention to detail is as lacking as I suspect: I am currently 2-0 up in terms of Small Claims Court proceedings and I look forward to the opportunity to claim a hat trick, this case being more straightforward than my previous two. I will be asking the court for an unreasonable costs order under CPR 27.14(2)(g) due to your conduct over this absurd claim. Despite my best efforts, you continue to assert that I have breached your terms. However, I cannot breach terms that I was not present to accept. Have you even read my initial response? I suggest you review it thoroughly and save yourself some money. Additionally, please refer to section 13 of the IPC Code of Practice, 2023 edition. I eagerly await your deafening silence. Remarkably, I haven't heard a peep from Excel since my response; instead, they've passed the baton to you to perform this tiresome routine once more. Consider this my official notice that I am sending a cease and desist letter to Excel Parking Services. Their relentless hounding has crossed the line into clear harassment. Any further demands for payment from you, as Excel's lackeys, will be regarded as nothing more than shameless acts of intimidation and harassment. I now look forward to the deafening sound of your silence. Yours sincerely,
    • Personally I'd go to it and object for the sake of it. They have to attend anyway so I can't see you being liable for any costs or anything (if they try to ask for attendance costs, just say that firstly it is their application, secondly it is from their own making, thirdly that they would have to come anyway so you shouldn't need to bear their costs.   When you turn up you should object on the basis that the witness has been in office since the time of the order, and could have done their witnes statement in advance of their AL. Their poor planning is not your fault, 7 days is too rushed for you as a LIP and there is no good reason that a company can't organise itself to sort WX in time. Also they say finalise so they already have something, its not like thye have nothing. Their amendments cannot be so important if they are being added so late.   see what @AndyOrch says but that's my thoughts  
    • Yes, in the main your understanding of my case is right. Linked below to the post with the final WS sent to the court and to Evri.   
    • Hello, welcome to CAG. As you say, appealing this ticket doesn't help as these people hardly ever accept appeals. They don't care how difficult someone's life is, they just want the money. The forum guys should be along later with thoughts for you on how to deal with this. Best, HB
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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.

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Robinson Way ; YET AGAIN


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They can come and work for me , i need someone on call 24/7 to sort out my paperwork lol

 

And what's the betting they'd make a right mess of it if you did employ one of them.

 

I wish I had an account with RW they sound like a lot of fun. Would make my day to ring one of them and ask how it felt that one of their workmates could be calling them 5 times a day in a few weeks time. :grin:

 

LoyalBrummie, you are the man for the job. Ring them. It has to be done.

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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behave fuzzy lol

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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It also says RW had dissapointed results from portfolios they recently bought. Me wonders if a lot of the debts they bought were from CAG members? I have a feeling there will be a lot of DCA's over the next few years that will be down on the profits.

 

Can't wait till next month when the new CCA laws come into place. Time for lots and lots of complaints about DCA's. It will be a good day when we see a few credit licences been lost and hefty fines dished out. Time to spend a few £1 token payments on some champagne to celebrate. :grin:

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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£72 million + 9 this year and in in house freebee 23 million

who pays the phone bill

 

The customers (aka evil debtors who must be hld to task at all costs) pay the phone bills.

 

Most DCA's use 0870 numbers when you call them and they make 5p a min. Soon mounts up when you get a few hundered calls a day.

 

Think Loyal Brummie has made them around £7 in calls so far. :wink:

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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The customers (aka evil debtors who must be hld to task at all costs) pay the phone bills.

 

Most DCA's use 0870 numbers when you call them and they make 5p a min. Soon mounts up when you get a few hundered calls a day.

 

Think Loyal Brummie has made them around £7 in calls so far. :wink:

 

 

few more from LB and he's paid his debt off :p

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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It's got me wondering if I rang a DCA an reversed the charges. I wonder if they would accept the call?

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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Share on other sites

dont know till you try

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 I'll send the following link to a few DCA's.

 

Credit Today online

 

If they want to train their staff properly, then they should

attend this.

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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That reverse charges call is a great idea afterall on all the threatograms we get they say it is very important that we call or its in our best interest to call , so i suggest a day of ringing up every DCA we alledgedly owe money to and reversing the charges , then when they refuse this write them a letter stating that we tried to contact them by way of revers charges call and that this is the only way we will contact them until they speak to us , otherwise its writing only .Be great if they are paying for me to wind them up .

CAG v dca

 

CAG EVERYTIME .....

KEEP RIGHT ON TILL THE END OF THE ROAD ........

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Hello LB,

 

Just found your thread and really enjoyed the laughs, keep the good work up.

 

Don't know if you've seen this,

 

The Greatest Prank Call Ever

 

but it is funny:D

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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That reverse charges call is a great idea afterall on all the threatograms we get they say it is very important that we call or its in our best interest to call , so i suggest a day of ringing up every DCA we alledgedly owe money to and reversing the charges , then when they refuse this write them a letter stating that we tried to contact them by way of revers charges call and that this is the only way we will contact them until they speak to us , otherwise its writing only .Be great if they are paying for me to wind them up .

 

:D Oh dear, I do love this idea :D

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oh GOD, how the children MUST play...........

 

:D :D :D :D :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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you are correct, my old man had 1 through from justitia "DEMANDING" 300 odd quid.

 

my response back was YOU OWE ME £5000 I DEMAND immediate payment within the next 7 days or legal action could be taken against you to recover the debt

and left it at that :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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you may not get any phone calls now from r w or letters the share price is now -13p and busted is on the cards

they cannot sell what they have no buyers so there creditors want there cash

wonder who is calling them

look at he financial reports just Google in London Scottish bank shares

and see what comes up

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back to the serious issues for just one moment today I received a letter and my postal order back that reads:

We refer to your recent correspondance requesting a signed agreement relating to the above account .

As with most Home shopping accounts , you will not have signed a credit agreement.You are deemed to have agreed to the T&C of the credit , which were relayed in the catalogue itself, when you placed your first order.

By requesting goods in exchange for money , you are liable for payment of these goods ,.If you are denying responsibility for the credit , we would ask what steps you have taken to return the goods if you did not intend to paying for them ?

Please be advised that by making payments on the account you have admitted liability.

As a simple assignee from the original creditor we have acquired the rights but not the duties of the creditor as defined 189(1) of the CCA 1974 and accordingly are entitiled to pursue the customer for the monies that remain due by reason of section 136 of The Law Of Property Act 1925

rebecca cooper

CAG v dca

 

CAG EVERYTIME .....

KEEP RIGHT ON TILL THE END OF THE ROAD ........

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A lot of CODSWALLOP about them having the rights not the duties. As a simple assignee they are not the creditor and do not have the rights. They are an absolute assignee and have the rights and THE DUTIES. Still without a written agreement signed by you they are beaten and will not be able to enforce this.

 

RWC always try to use this Law of Property ploy but as has been demonstrated repeatedly they are talking fluent Bovine Excrement

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