Jump to content


  • Tweets

  • Posts

    • I've inserted their poc re:your.. 1 ..they did send 2 paploc's  3. neither the agreement nor default is mentioned in their 2.        
    • Hi Guys, i read a fair few threads and saw a lot of similar templates being used. i liked this one below and although i could elaborate on certain things (they ignored my CCA and sent 2 PAPs etc etc) , am i right in that at this stage keep it short? If thats the case i cant see what i need to add/change about this one   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   Defence:   The Defendant contends that the particulars of claim vague and are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.   1. The Claimant has not complied with paragraph 3 of the PAPDC ( Pre Action Protocol) Failed to serve a letter of claim pre claim pursuant to PAPDC changes of the 1st October 2017.It is respectfully requested that the court take this into consideration pursuant to 7.1 PAPDC.   2. The Claimant claims £2247.91 is owed under a regulated consumer credit account under reference xxxxxxx. I do not recall the precise details or agreement and have sought verification from the claimant and the claimants solicitor by way of a CPR 31.14 and section 78 request who are yet to fully comply.   3. Paragraph 2 is denied. I am unable to recall the precise details of the alleged agreement or any default notice served in breach of any defaulted payments. 4. Paragraph 3 is denied.The Defendant contends that no notice of assignment pursuant to s.136 of the Law of Property Act & s.82 A of the CCA1974 has ever been served by the Claimant as alleged or at all.   5. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of assignment/balance/breach requested by CPR 31. 14, therefore the Claimant is put to strict proof to:   (a) show how the Defendant has entered into an agreement; and (b) show and evidence any cause of action and service of a Default Notice or termination notice; and © show how the Defendant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim;   6. After receiving this claim I requested by way of a CPR 31.14 request and a section 78 request for copies of any documents referred to within the Claimants' particulars to establish what the claim is for. To date they have failed to comply to my CPR 31.14 request and also my section 78 request and remain in default with regards to this request.   7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.   8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974.   9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.  
    • i understand. Just be aware I am prepared to take some risks 😉
    • Thanks Tnook,   Bear with us while we discuss this behind the scenes - we want you to win just as much as you do but we want to find the right balance between maximising your claim without risking too much in court fees, and in possible court costs awarded to the defendant bank.
    • Tell your son and think on this. He can pay the £160  and have no further worries from them. If he read POFA  Scedule 4 he would find out that if he went to Court and lost which is unlikely on two counts at least [1] they don't do Court and 2] they know they would lose in Court] the most he would be liable to pay them is £100 or whatever the amount on the sign says. He is not liable for the admin charges as that only applies to the driver-perhaps.If he kept his nerve, he would find out that he does not owe them a penny and that applies to the driver as well. But we do need to see the signage at the entrance to the car park and around the car park as well as any T&Cs on the payment meter if there is one. He alone has to work out whether it is worth taking a few photographs to help avoid paying a single penny to these crooks as well as receiving letters threatening him with Court , bailiffs  etc trying to scare him into paying money he does not owe. They know they cannot take him to Court. They know he does not owe them a penny. But they are hoping he does not know so he pays them. If he does decide to pay, tell him to wait as eventually as a last throw of the dice they play Mister Nice Guy and offer a reduction. Great. Whatever he pays them it will be far more than he owes as their original PCN is worthless. Read other threads where our members have been ticketed for not having a permit. [We know so little about the situation that we do not know if he has a permit and forgot to display it. ]
  • 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 3366 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

It does though doesn't it:D:D


<<<If I have helped please tickle the scales;-)<<<

Share this post


Link to post
Share on other sites

Well.....:eek: He's just a very happy cat :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

See, now look here Mr Ton....cat's were my thing......I have changed mine to get away from cats :p

 

Changed it back.....anything you can do etc., etc.


:)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

 

@Goldlady.....I will come to the next p!$$ up if it is anywhere near the north east! Any excuse for a cheeky glass or two!

 

Last one was at the new Mexican place near the Empire Theatre. Is that close enough?: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

Oh, that is so close, it is within sniffing distance! Keep me informed and I will be there (work permitting of course, although I could always be "ill" :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

Fuzzybobble has rights on gingerbread men as avatars.......ooooo don't you dare Mr Ton :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
You know i have a cheeky attitude ;)

 

You have? I'll look for proof of that. Be back in a few days with the results :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
Might change it again & use a gingerbread man :p

 

I thought you would have a "Gingerbread Person" That's what you used to tell me they were anyway. :D

  • Haha 1

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

Oh dear it looks like Ron is throwing the toys out of the pram over on his personal forum aka Crudit Toady

 

CREDIT MANAGER

Ron Bidwell

 

Posts: 39

Joined: 24 Jan 08

08 January 2009 10:57 Reply

Quite right Yvonne. This person is using this forumn to attempt to get over a personal message. Everything this person writes is a dig at our profession. Shame they cant do it under their own name, instead of the cowardly manner used here. Who votes to eliminate this user ?

 

I do ! Bogus names are not respected on here. Just pay your debt.

 

Cowardly manner and just pay your debts. Now where have we heard this sort of pontificating before:rolleyes:

 

Ron should be thankful that anyone is even bothered to post on his Borefest Forum


Share this post


Link to post
Share on other sites
Oh dear it looks like Ron is throwing the toys out of the pram over on his personal forum aka Crudit Toady

 

CREDIT MANAGER

Ron Bidwell

 

Posts: 39

Joined: 24 Jan 08

08 January 2009 10:57 Reply

Quite right Yvonne. This person is using this forumn to attempt to get over a personal message. Everything this person writes is a dig at our profession. Shame they cant do it under their own name, instead of the cowardly manner used here. Who votes to eliminate this user ?

 

I do ! Bogus names are not respected on here. Just pay your debt.

 

Cowardly manner and just pay your debts. Now where have we heard this sort of pontificating before:rolleyes:

 

Ron should be thankful that anyone is even bothered to post on his Borefest Forum

 

 

What a bloody yawnathon lol!!

 

At the end of the day it's all quite simple really, if they keep their paperwork in the correct manner, they will have nothing to moan about. Unfortunately they like to try to pull the wool over people's eyes with lies, threats, abuse etc.

 

I'm fortunate that I don't owe any money, but as my girlfriend and my mother do and I am now on the case for them, these companies are gonna be a little less fortunate in the new year :D


Which DCA should we bring down first?

 

Answers on a postcard :D

Share this post


Link to post
Share on other sites

Phone rings:

 

Me: Hello

Collect Direct: Could I speak to a Miss x x xx x x

Me: Nope, she's not hear at the moment

Collect Direct: Could you tell me when she will be back?

Me: No, I'm sorry I can't, can you tell me who is calling please?

Collect Direct: It's a Mrs xxxx xxxx, I am phoning to do her a favour

Me: A favour? Ooooh, are you phoning to arrange the delivery of the Ferrari I know she has got me for my birthday?

Collect Direct: Sorry.....? A Ferrari?

Me: Yes, one of those big shiny red cars, they are very nice.

Collect Direct: No sir, I am not phoning in relation to that.

Me: Are you coming to repair the helicoptor she got for me with her lottery winnings last year?

Collect Direct: Helicoptor sir?

Me: Yes, one of those fabulous flying machines with spinny bits on it

Collect Direct: No sir, do you have any other number I can contact her on please

Me: I certainly do (gives out mobile number of local pizza parlour).

Me: You will have to ask for her by her 'stage name' though as they don't know her by her given name.

Collect Direct: Certainly sir, what is that?

Me: Marguerita Olive

Collect Direct: Thank you for your time

Me: You're most welcome and if you are coming to replace the speedboat can you make it before 3 p.m. as we like to go to the casino in the evenings. Thanks.

 

Click.

 

These people are fun.

  • Haha 2

Which DCA should we bring down first?

 

Answers on a postcard :D

Share this post


Link to post
Share on other sites

All the folks in the office want to know what Im giggling about.

 

Fantastic

 

Notts


As a great man once said " All Men Can Fly But Some Only in One Direction"

 

Notts

Share this post


Link to post
Share on other sites
Who votes to elliminate Mr Bidwell then?

 

Dont all rush to vote at once :D

 

 

Yes, lets eliminate him!

 

I am so upset at not being allowed to play on their message boards. Whatever will I do with my time......

 

Ah, that's it.........CCA requests!!


Which DCA should we bring down first?

 

Answers on a postcard :D

Share this post


Link to post
Share on other sites

You'd think they would be grateful for some human life on their dull lifeless forum - seems not to be the case.

They get 1 or 2 posts on their per day if lucky.

Anyone would think they lived in fear or something? :D;)

Share this post


Link to post
Share on other sites

Oh i gotta know which message board it is to check out the moralistic %%%% that some people spout... pm me and let me know where to look pleaze


muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

Share this post


Link to post
Share on other sites

The credit today forum....make sure you dont fall asleep too quickly whilst looking at it :rolleyes:

Share this post


Link to post
Share on other sites

Neddie Seagoon has joined CT.

Edited by nioclik

Share this post


Link to post
Share on other sites

John Jones made a post on there before as well :eek: (;))

 

Their site is being invaded by Caggers seemingly :D

Share this post


Link to post
Share on other sites
A.jpgThats all I get on Crudit Today IMG%5Dindex.cfm

Just remember to keep smiling and ask if you need help. :-)

 

I can't read and I can't write, but that don't really matter, cos I come from Lincolnshire, and I can drive a tractor.

CCA sent to robinson way Halifax cc. 22/02/07~Sold on to Aktiv Kapital~How can you take them seriously when they can't spell properly

Data Protection Act sent to HBOS Current Account 22/02/07~All quiet

Over 2 yaers I've been a member~Doesn`t time fly when your having fun~or beating DCA's at their own game

 

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 3366 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...