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    • Thank you for that "read me", It's a lot to digest, lots of legal procedure. There was one thing that I was going to mention to you,  but in one of the conversations in that thread it was mentioned that there may be spies on the Forum,  this is something that I've read quite some time ago in a previous thread. What I had in mind was to wait for the thirty days after their reply to my CCA request and then send the unenforceable letter. I was hoping that an absence of signature could be the Silver Bullet but it seems that there are lot of layers to peel on this Onion.  
    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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Cheekiness towards a DCA


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Carters slammed the phone down on me on Friday.

Then. we are a firm of solicitors

Me. No your not you are glorified debt collectors.

Them. We are solicitors that happen to work for a number of dca’s

Me. And get you judgements by default issuing the court papers to old addresses.

Them. SLAM

 

The truth hurts.

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I love to get the crowd at Carters going they all talk posh, even the little telephone monkeys on £5.00 an hour talk like they just came out of Oxford.

 

They probably speak as if they've a mouthful of marbles because they've probably got a mouthful of Bryan's...........

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I was only going to add .....doughnuts;)

 

Sugar coated ones? ;) Placed near some recently opened envelopes?

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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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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Talking about envelopes fuzzybobble, When I had to pay good old Bryan Carter £5.00 a month I always put a fivers worth of small change in a bank bag taped it up tight and put it into a large padded envelope stuffed very full of fine shredded paper, just for safety you understand. With a note requesting a statment of account.

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LOL Fuzzy

 

Im surprised you didnt do one for *** *******

 

He gets a small part in my next video.

 

Just waiting for Watchdog to be on TV, as I may be able to use a few bits off there too.

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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FB i see you found my link in the Bear Garden then :D :D :D

 

wondered how long it would take ,, lol

 

quote > FB > I got a mention on TV last night.....

NEVER FORGET

 

[sIGPIC][/sIGPIC]

 

Help Our Hero's Website

 

http://www.helpforheroes.org.uk/

 

HIGHWAY OF HEROES

 

http://www.consumeractiongroup.co.uk/forum/bear-garden/181826-last-tribute-our-lads.html

 

Like Cooking ? check the Halogen Cooker thread

http://www.consumeractiongroup.co.uk/forum/bear-garden/218990-cooking-halogen-cookers.html

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FB i see you found my link in the Bear Garden then :D :D :D

 

wondered how long it would take ,, lol

 

quote > FB > I got a mention on TV last night.....

 

It had to be done. The temptation was too great. :D

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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Priceless Fuzzy. So when did Madonna pop to S-O-T for a fuzzybobbling?:eek:

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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i had a funny one 2 weeks ago with global debt recovery:

 

really grump agent answered

me: i spoke to the bank and they have not passed the debtto yourselfs

them: they have told us to sue you

me: i am not going to take treats from you

them: i have not

me: you have just made a treat of sueing me

them: sueing is not a treat mr the bank is telling me thay you owe them money and you wont pay them back

me: may i say something:

them: no i dont want to speak to you good day

me: i will keep calling back

them:your harassing tactics are not going to work (they must get alot og us Caggers on the phone:D) the conversation is not you shouting at me (at no point did i raise my voice to him)

me: you are not listining to me

them: i dont want to listen to you what you are saying is complete nonsence the bank has not told you anything of the kind

me: well they have and i read out the number of the bank and told him i spoke to them before calling him

them: you have taken money from a bank

me: where is the deed of assigment? the bank have told me they have not passed this to collections what would you do if someone contacts you out of the blue asking for money?

them: i am not prepaired to contine the conversation

me: can i speak to your manager

them: i am the manager

me: i am going to refer this to the credit services assoscation, the fos, trading standards and my solisitors oh and i forgot the OFT this is telephone harassment

them: i did not harass you

me: i think you have and you are contiuning to do it as we speak

them: dont intruput me again you are lying

me: that is unture and i have a telephone recoring of that telephone conversation and this one also

them: listen this is how a converation works what normally happens when you have a converation with someone is you wait until there is a pause in the conversation (he was getting very ratty at this point) or you wait until its clear that the other person has finshed speaking (wow a dca knows how conversations work pity he didnt take his own advice as i could not get a word in edge ways they dont like been put in thier place) please send me an email as i dont want to speak to you

me: thats funny as you have blocked me from emailing you i have an email confimring you blocked my email address

him: do you not know how to send an email

me: tell i am a I.T techition by trade so what do you think?

him: no you havent you have just made that up as well we have not blocked you thats rubbish and a lie

me: i go on and explain how a microsoft exhange server works and how you can block emails from certin address using exchange

him: thats unture you can do that (silly idiot i do it every day to stop spam coming in on my clients servers) do you not know how to send an email maybe you should ask somebody who knows to show you how

me: will you stop raising you voice

him: you have interuppred me

me: well during a conversation if someone is telling lies and been abusive then its normal for someone to but in and corrtect the untruth the term is heckling

him: how dare you (starting to shout down the phone i think his blood pressure must have been boiling at this stage or he needed more cheap cider)

conversationg goes on and one like this for 25 mins at the end of which i think i heard him tumping the desk even when i offered him payment he would not take it he said i am going to sue you and me saying not without a deed of assigment or any papers to back it up you wont i heart was racing at then end of the call but i never raised my voice to him i sent the cd off to the bank and they were socked. i have also sent it to my solisitor on friday to get rid of this dca as the debt has now been paid with the bank

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That conversation need to go on here or youtube, after removing personal details of course. :D

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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Just out of interest, here is a scan of a Royal Mail Recorded Delivery POD from one of our highly educated respected DCA's, It rather gives credence to the theory that staff are recruited from local nursery schools, or drying out centres for spiders on crack cocaine !

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...here is a scan of a Royal Mail Recorded Delivery POD...

Should be a good honey season - if all the bees follow that little dance... :)

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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Well the trouble is these DCAs have not seen a proper signature for a while as none of us will give them ours. So they haven't got anything to copy from:D

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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That way you will attract more attention to your story and get more visitors and more help 

 

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