Jump to content


  • Tweets

  • Posts

    • Beware using the word "mitigating". That is only if you're admitting it and asking them to be lenient because x,y,z or whatever.   You are not admitting it so there can't be anything to mitigate something you didn't do.
    • pop up on the MCOL website detailed on the claimform. [if mcol is not working return after the w/end or the next day if week time] .  register as an individual  note the long gateway number given  then log in .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform .  defend all  leave jurisdiction unticked  you DO NOT file a defence at this time  click thru to the end  confirm and exit MCOL. . .  get a CCA Request running to the claimant https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/  leave the £1PO blank and uncrossed . .  get a CPR 31:14 request running to the solicitors [if one is not listed send to the claimant] . . https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . . type your name ONLY no need to sign anything . you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]  
    • Could you perhaps use the quote button so as to minimise confusion?  It's difficult to distinguish between what you quote and what you are saying.  (Actually it is quite easy to tell the difference).
    • Name Of Claimant - Lowell   Date of Claim - 11th nov 2019   What is the claim for – the reason they have issued the claim? 1)   the defendant entered into a consumer credit act 1974 regulated agreements vanquis under account reference xxxxxxx 2)   The defendant failed to maintain the required payment, arrears began to accrue 3)   The agreement was later assigned to the claimant on 29 September 2017 and notice given to the defendant 4)   Despite repeated requests for payment, the sum of 2247.91 remains due outstanding And the claimant claims a)The said sum of £2247.91 b)The interest pursuant to S 69 county courts act 1984 at the rate of 8% per annum from the date of issue, accruing at a daily rate of £xxxx, but limited to one year,  being £xxxx c)Costs   What is the total value of the claim? £2247.91   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? No I received the PAP twice?   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? NO   Did you inform the claimant of your change of address? NA Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? CREDIT CARD   When did you enter into the original agreement before or after April 2007 ? NO   Do you recall how you entered into the agreement...On line /In branch/By post ? BY PHONE/POST   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? YES   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. DEBT HAS BEEN PASSED TO LOWELLS   Were you aware the account had been assigned – did you receive a Notice of Assignment? I CANNOT RECALL   Did you receive a Default Notice from the original creditor? I BELIEVE SO YES   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? NO   Why did you cease payments? LOST MY JOB AND COULDN’T AFFORD PAYMENT/INTERESTS   What was the date of your last payment? APPROX JAN 2015   Was there a dispute with the original creditor that remains unresolved? I asked for the CCA and they sent me a computer printed balance statement   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? I believe I contacted them explaining I had lost my job and for a holiday period which they refused. Although I cannot recall 100%   Just to sum up what has happened through this thread: -       defaulted around May 2015 -       2017 lowells got involved, asked for my CCA from OC and SAR. Vanquis, no acknowledgement of the dsar/ sar, they have however sent me their terms and conditons, fact sheets, along with 2 computer print outs of my details. I think they were considering it the CCA. -       lowells sent pap, replied, they sent again, replied again -       Court claim    
  • Our picks

mr.ton

Cheekiness towards a DCA

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3349 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

I just checked on Youtube to see if anyone has been watching the judge judy video.

 

I think by tomorrow morning there will be 1000 viewings. :eek:

 

Last time I had an audience that large was when I was in a panto as an ugly sister in Cinderella 7 years ago. And that was without the gingerbread man costume I may add.


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

Share this post


Link to post
Share on other sites
the Chinese Secret Service...

 

SSssshhhhh - they're supposed to be secret.....!


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

 

Share this post


Link to post
Share on other sites

A belated Happy New Year to you all. Fuzzy another oscar winning masterpiece, keep up the good work.

Share this post


Link to post
Share on other sites
There was 500+ guests the other night.....the poor DCA's must know their number is up!! :D:D:D

 

over a 1000 10 minutes ago..

Share this post


Link to post
Share on other sites

Yep...the DCA's time is well & truely up and they are all seeking revenge now.

Perhaps they will form their own "debt collectors action group" :D

Share this post


Link to post
Share on other sites
Yep...the DCA's time is well & truely up and they are all seeking revenge now.

Perhaps they will form their own "debt collectors action group" :D

 

They have one already. It's called the Credit Today Forum.

Problem is most DCA's can't read or write, so an internet forum is a mystery to 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

Share this post


Link to post
Share on other sites
They have one already. It's called the Credit Today Forum.

Problem is most DCA's can't read or write, so an internet forum is a mystery to them.

 

That forum is lucky if its gets 1 new post per day :rolleyes:

Share this post


Link to post
Share on other sites

Is that including the ones sneaked on by Caggers?: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

Share this post


Link to post
Share on other sites
Is that including the ones sneaked on by Caggers?:D

 

These will probably be the only ones - remember DCA monkeys are not trained in writing - just printing computer generated tosh :D


:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

Share this post


Link to post
Share on other sites

I think you'll find the majority of 'guests' are people who've found their way here after searching for debt advice.

DCA's and their monkeys do check forums like CAG, MSE etc - no doubt about it - but most 'guests' are simply people reading, nothing sinister about it. It took me quite while to actually start posting here, but once you've bust your cherry (pardon the expression) it's an alright place to be!!!!

 

Mark my words, you'd better get used to it 'cos the number of 'guests' is likely to increase dramatically in the months ahead......another reason 'they' want this site closed.


HOIST BY THEIR OWN PETARD.

 

Blimey it works....:-)

Share this post


Link to post
Share on other sites
Is that including the ones sneaked on by Caggers?:D

 

We make that forum exciting by causing mischief (or i do anyway ;)) - the rest of the time its just dull & lifeless.:|

Mr Bidwell tries to act all controversial, but just comes across as a buffoon :rolleyes:

Share this post


Link to post
Share on other sites

I know this is the wrong place to post this, but there are plenty of Cagger's on this thread :)

 

If the harassment by telephone letter is ignored, what letter can be sent? I am trying to help someone on the Brighthouse forum.....

 

Chaz2

 

Any help would be really appreciated....

 

Sorry for hijacking Mr. Ton (oh, worthy one etc., etc., grovel...)


:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

Share this post


Link to post
Share on other sites
I know this is the wrong place to post this, but there are plenty of Cagger's on this thread :)

If the harassment by telephone letter is ignored, what letter can be sent? I am trying to help someone on the Brighthouse forum.....

Chaz2

Any help would be really appreciated....

Sorry for hijacking Mr. Ton (oh, worthy one etc., etc., grovel...)

 

Tut tut...i will think of a punishment for you later Clemma :D

 

I would recommend a letter/or phone call from the police in response to your question ;)

Share this post


Link to post
Share on other sites
We make that forum exciting by causing mischief (or i do anyway ;)) - the rest of the time its just dull & lifeless.:|

Mr Bidwell tries to act all controversial, but just comes across as a buffoon :rolleyes:

 

alan shaw is fuming on there:

 

Alan Shaw

Controller

UK Debt Ltd

 

Posts: 1

05 December 2008 15:48

I dont know about anyone else, but i really am getting fed up with these consumer advice web sites which tell people how to evade paying their debts effectivley.

My company has had so many letters recently informing us of what we can & cannot do.

Everything from...not being able to visit debtors homes without prior permission to having to provide credit agreements etc..

What can be done about these websites?

They are costing us too much money/profit & i know they are having an effect on other debt collection companies as well.

Share this post


Link to post
Share on other sites

Hey, I groveled/apologised and do not feel the need to be punished :p

 

Cheers though :D


:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

Share this post


Link to post
Share on other sites
alan shaw is fuming on there:

 

Alan Shaw

Controller

UK Debt Ltd

 

Posts: 1

05 December 2008 15:48

I dont know about anyone else, but i really am getting fed up with these consumer advice web sites which tell people how to evade paying their debts effectivley.

My company has had so many letters recently informing us of what we can & cannot do.

Everything from...not being able to visit debtors homes without prior permission to having to provide credit agreements etc..

What can be done about these websites?

They are costing us too much money/profit & i know they are having an effect on other debt collection companies as well.

 

ROFPMSL :lol::lol::lol:

 

Wow - CAG is a threat - yippee!


:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

Share this post


Link to post
Share on other sites

Just wait until I get on Credit Today. :D

 

Sorting out a very credible email address and company at the moment.

 

Can someone try out a photobucket link on there for me? I need to know if you can add pictures on there.

 

I'll start with a few normal posts, then all hell will be let loose one weekend when the forum manager is out drinking cheap cider in a pub with her mates. :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

Share this post


Link to post
Share on other sites

 

Mark my words, you'd better get used to it 'cos the number of 'guests' is likely to increase dramatically in the months ahead......another reason 'they' want this site closed.

if they try to close it i know away of hosting it where they cant get thier grubby paws on it. its like the big bad wolfe and the brick house trying to blow it down

 

alan shaw is fuming on there:

 

Alan Shaw

Controller

UK Debt Ltd

 

Posts: 1

05 December 2008 15:48

I dont know about anyone else, but i really am getting fed up with these consumer advice web sites which tell people how to evade paying their debts effectivley.

My company has had so many letters recently informing us of what we can & cannot do.

Everything from...not being able to visit debtors homes without prior permission to having to provide credit agreements etc..

What can be done about these websites?

They are costing us too much money/profit & i know they are having an effect on other debt collection companies as well.

i seen this one as well i nearly cried with laughter when i seen it:D i suspect a cagger put it there to get a reaction from some of the real posters on that site;)


The Tally so far in order of appearince:

Intrum Justica

:DNow gone from my life

Metropolition

:DGone and had to repay me 500 pounds

Red(Lowell)

:DCase Closed

Aktiv Kapital

:pWas so sad yo say good bye. Parting is such sweet sorrow.

MBNA :oops::-) No CCA No Debt You lost

Share this post


Link to post
Share on other sites

By Cresswell80's post though, I'm not too sure they can afford to go out drinking anymore.....poor bairns :p


:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

Share this post


Link to post
Share on other sites

Alan Shaw post on here sometimes. But not as often as me. :p


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

Share this post


Link to post
Share on other sites

It's the Cheekiness towards a DCA thread's first birthday in Feb. Now to celebrate, I want all the regulars on here to come up with something special to celebrate this occasion. Doesn't matter what it is, as long as it's fun, and you have a good 5 weeks to come up with something.

 

Also 100,000 viewings. 5,000 posts would also be a good milestone to reach by then too. :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

Share this post


Link to post
Share on other sites
Alan Shaw post on here sometimes. But not as often as me. :p

 

Only 18 posts behind you ;)

Share this post


Link to post
Share on other sites
It's the Cheekiness towards a DCA thread's first birthday in Feb. Now to celebrate, I want all the regulars on here to come up with something special to celebrate this occasion. Doesn't matter what it is, as long as it's fun, and you have a good 5 weeks to come up with something.

 

Also 100,000 viewings. 5,000 posts would also be a good milestone to reach by then too. :D

 

Maybe find Mr Ton a new avatar?


:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

Share this post


Link to post
Share on other sites
style="text-align:center;"> Please note that this topic has not had any new posts for the last 3349 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you
Guest
This topic is now closed to further replies.

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...