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    • 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. ]
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mr.ton

Cheekiness towards a DCA

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A.jpgThats all I get on Crudit Today IMG%5Dindex.cfm

 

Its really called Credit Today although its affectionately known in these parts as Crudit Toady

 

Here is a link Credit Today online


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Its really called Credit Today although its affectionately known in these parts as Crudit Toady

 

LOL I done a bit of dca tampering with the screen shot , Know what I mean lol


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

 

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Could be firefox doesnt like it.

 

Firefox must have taste.


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

 

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Its really called Credit Today although its affectionately known in these parts as Crudit Toady

 

Here is a link Credit Today online

 

Another Ubuntu user. :DNice to know there's people on here who like a decent operating system.

 

I uninstalled Vista a few months back. I only use Windows XP as there's not much in the way of video editing software for Linux yet. As soon as Adobe do Premier Pro for for Linux, then I'll be living in a Microsoft free home.

 

Has anyone else had these problems with Vista Home Premium?????

 

1,When you try to rename a folder it tells you the folder doesn't exist.

2,If your motherboard has a Nvidia chipset Microsoft's own update screws up

the network controller, so it buggers up your internet connection, and won't let

you uninstall the driver, or roll back to last known working configuration.

3, takes forever and a day to load.

4, when you try and copy a load of files (3GB)from one drive to another it takes 45 mins.

5, It's forever downloading and installing updates.

6, It's a 5GB pile of crap that doesn't work properly.

7, randomly closes programs without any error messages.

8, Quite a few recent applications won't run on it.

 

9, Why doen't Vista have an uninstall opion in add/remove programs?

 

I had Ubuntu on dual boot and that works perfectly. A dream to install it too. Popped the disk in, webt for a brew. Came back to find one Desktop all drivers installed for my hardware. And it had also set up the network and internet connection and updated the OS.

All in under 30 mins. :-)

Edited by fuzzybobble

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 fuzzybobbling of DCA's by telephone is set to increase in 2009.

 

Here's the reason why.......

 

 

BT scraps charges for 0870 numbers

Telecoms giant BT announced it was scrapping charges for 0870 and 0845 numbers, used by millions of customers, in a move which will cost the company £24 million.

 

The two numbers are used by banks, building societies, utilities, insurance firms and doctor's surgeries and currently cost up to 5.8p a minute for BT's 14 million customers.

 

Charges will be free from January 16, depending on which package customers are on, ranging from weekend, evening and any time calls.

 

 

So now it's cheaper to call them and give them some grief. :D

Thank you BT


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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Another Ubuntu user. :DNice to know there's people on here who like a decent operating system.

 

I uninstalled Vista a few months back. I only use Windows XP as there's not much in the way of video editing software for Linux yet. As soon as Adobe do Premier Pro for for Linux, then I'll be living in a Microsoft free home.

 

Has anyone else had these problems with Vista Home Premium?????

 

1,When you try to rename a folder it tells you the folder doesn't exist.

2,If your motherboard has a Nvidia chipset Microsoft's own update screws up

the network controller, so it buggers up your internet connection, and won't let

you uninstall the driver, or roll back to last known working configuration.

3, takes forever and a day to load.

4, when you try and copy a load of files (3GB)from one drive to another it takes 45 mins.

5, It's forever downloading and installing updates.

6, It's a 5GB pile of crap that doesn't work properly.

7, randomly closes programs without any error messages.

8, Quite a few recent applications won't run on it.

 

9, Why doen't Vista have an uninstall opion in add/remove programs?

 

I had Ubuntu on dual boot and that works perfectly. A dream to install it too. Popped the disk in, webt for a brew. Came back to find one Desktop all drivers installed for my hardware. And it had also set up the network and internet connection and updated the OS.

All in under 30 mins. :-)

 

 

Love Linux, hate vista, if only Adobe CS3 would work in Linux :(

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The fuzzybobbling of DCA's by telephone is set to increase in 2009.

 

Here's the reason why.......

 

 

BT scraps charges for 0870 numbers

Telecoms giant BT announced it was scrapping charges for 0870 and 0845 numbers, used by millions of customers, in a move which will cost the company £24 million.

 

The two numbers are used by banks, building societies, utilities, insurance firms and doctor's surgeries and currently cost up to 5.8p a minute for BT's 14 million customers.

 

Charges will be free from January 16, depending on which package customers are on, ranging from weekend, evening and any time calls.

 

 

So now it's cheaper to call them and give them some grief. :D

Thank you BT

 

 

Does that include 0871, as a lot of co's are using that no as it earns more money (Buchananclark + wells for eg. But if you want them call 01412702524).

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Does that include 0871

No - 0871 is actually re-classified as a premium rate service these days, and regulated by PhonePayPlus (PhonepayPlus - welcome to the PhonepayPlus home page), which used to be ICSTIS, rather than OfCom.

 

Just realised after pressing submit, there's some rule about not using premium rate numbers in relation to contacting the company hassling you - so by using 0871 they are breaching that as well.


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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Thanks for that. I have a bit of a bee in my bonnet about these no's.

Just checked buchetc's no on that web site (handy one that).

 

PhonepayPlus has the following information about the number 08712441904.

 

This is a non geographic number charged at up to 10p per minute. The services operating on this number can range from advice lines, call centres, ticket booking lines, customer support lines and more.

 

The cost of these calls may vary depending on your phone company so you should speak to them for more information or advice.

 

Ofcom are responsible for the regulation of these numbers and their contact details are below.

 

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Well, we'll see if my little entry on Credit Today is cause for argument. I don't expect it to be up for long at all, so I will helpfully enclose my input :-

 

Credit Today online

 

 

Kevin/Ron/Scott/Patrick

=======================

 

If indeed those are your real names. Fact is, your industry is becoming shown up for what it is and always was - a sham. A pointless, disingenuous, worthless, irrelevant waste of time, money and resources that could be better placed just about anywhere else. And the general public are seeing this for themselves. So much so, that's it's beginning to become a public spectacle at seeing the collections sector implode. And I for one, have no absolutely sympathy for you.

 

You worried about trolls just because they have a point of view diametrically opposed to your own? Obviously, CT does not respect free speech, debate or even suggestions at how the industry can be improved.

 

Then again, going by some of the comments I've read here, it also doesn't seem to respect the Consumer Credit Act, The Limitations Act, Administration of Justice Act, and countless other acts of government legislation that you are duty bound to follow - not to abuse for your private gain.

 

This over-sensitive seriousness, 'you knew best' attitude and total disregard for the laws and guidelines that are supposed to govern your industry - all of which have long permeated across the credit industry. Well, it's all finally starting to whack you in the face, isn't it?

 

You can moan, complain and despair on your forum all you like - but you can't quell dissent.

 

If you want, have your private forum and limit it to about the six members that are sad enough to join up. It's quite telling that people who post on CAG can have more threads in their discussion topics within two days, than on the entire CT forum. Doesn't this tell you how little general public support there is for the existence of the collections sector? The game's up, the act is over, and so are you. Treat this message as though I'm holding a mirror up to your industry - that's what I see!

 

England in general has been going down the toilet for years, and your industry is coming with it. But the credit industry is one such puppy that not many will be sorry to see drown.

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And the half time results are just in........

 

Iqor - 0 Fuzzybobble - 1

 

 

 

IQOR1.jpg


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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Well it looks like the great credit today forum CAG invasion is under way :D

Keep up the good work people.

We are winning the war.

The debt industry knows it & we know it.

We need more recruits to the credit today forum - sign up now people & dont give them a minutes peace ;)

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Wonder if I'll get any bids on Credit Today. Roll up, roll up...

 

 

Credit Today online

 

 

 

"Hello. I have a flawless, near-mint CCA maker up for grabs. Ideal for the collection agency that struggles to get those mountains of requests fulfilled! Knock those fraudulent CCAs away today! Avoid the Ombudsman!

 

And it keep those Consumer Credit Licences going for ever more!"

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Another Ubuntu user. :DNice to know there's people on here who like a decent operating system.

 

I uninstalled Vista a few months back. I only use Windows XP as there's not much in the way of video editing software for Linux yet. As soon as Adobe do Premier Pro for for Linux, then I'll be living in a Microsoft free home.

 

Has anyone else had these problems with Vista Home Premium?????

 

1,When you try to rename a folder it tells you the folder doesn't exist.

2,If your motherboard has a Nvidia chipset Microsoft's own update screws up

the network controller, so it buggers up your internet connection, and won't let

you uninstall the driver, or roll back to last known working configuration.

3, takes forever and a day to load.

4, when you try and copy a load of files (3GB)from one drive to another it takes 45 mins.

5, It's forever downloading and installing updates.

6, It's a 5GB pile of crap that doesn't work properly.

7, randomly closes programs without any error messages.

8, Quite a few recent applications won't run on it.

 

9, Why doen't Vista have an uninstall opion in add/remove programs?

 

I had Ubuntu on dual boot and that works perfectly. A dream to install it too. Popped the disk in, webt for a brew. Came back to find one Desktop all drivers installed for my hardware. And it had also set up the network and internet connection and updated the OS.

All in under 30 mins. :-)

 

I've got my PC dual booted with SUSE and Windows XP, but I have to admit I haven't found time to learn Linux properly yet. Everything sets up like a dream though and it's much more stable than Windows. One day I'll get round to learning it properly. Might even go on a course!

 

I've got Vista on the laptop me & Mrs B bought ourselves for Christmas - so far no problems.

 

Fred


Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Its really called Credit Today although its affectionately known in these parts as Crudit Toady

 

Here is a link Credit Today online

 

Firefox doesn't like it at all. It works OK on Google Chrome and probably IE (won't touch that cr*p though), so try that.

 

Fred


Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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And the half time results are just in........

 

Iqor - 0 Fuzzybobble - 1

 

 

 

IQOR1.jpg

 

 

I can black cat you on that one Fuzzy: http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/86182-fred-bassett-mbna-4.html#post1906088

 

Fred


Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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As has been said there are more Caggers than anyone else on CT. Just goes to show who is the more popular/powerful!

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cracking vid fuzzy sorry been a bit under the weather lately so only just seen it ohhh it is busy on here tonight :)xxkia

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As has been said there are more Caggers than anyone else on CT. Just goes to show who is the more popular/powerful!

 

I see Jemma Jameson has put in an appearance. Wonder what she was wearing when she made that post .....?

 

Also, have you notice Bob Welsh who is apparently a 'Payment Engineer'? What the hell is one of those?

 

That site's been invaded by so many CAGGERS that it's difficult to know who's kosher and who isn't.

 

Fred


Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Added my 2ps worth


OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Same Here- left reply

 

Now I Know i have to use a different Browser.

Edited by daarab
need to learn how to spell

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

 

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Another Ubuntu user. :DNice to know there's people on here who like a decent operating system.

 

I uninstalled Vista a few months back. I only use Windows XP as there's not much in the way of video editing software for Linux yet. As soon as Adobe do Premier Pro for for Linux, then I'll be living in a Microsoft free home.

 

Has anyone else had these problems with Vista Home Premium?????

 

1,When you try to rename a folder it tells you the folder doesn't exist.

2,If your motherboard has a Nvidia chipset Microsoft's own update screws up

the network controller, so it buggers up your internet connection, and won't let

you uninstall the driver, or roll back to last known working configuration.

3, takes forever and a day to load.

4, when you try and copy a load of files (3GB)from one drive to another it takes 45 mins.

5, It's forever downloading and installing updates.

6, It's a 5GB pile of crap that doesn't work properly.

7, randomly closes programs without any error messages.

8, Quite a few recent applications won't run on it.

 

9, Why doen't Vista have an uninstall opion in add/remove programs?

 

I had Ubuntu on dual boot and that works perfectly. A dream to install it too. Popped the disk in, webt for a brew. Came back to find one Desktop all drivers installed for my hardware. And it had also set up the network and internet connection and updated the OS.

All in under 30 mins. :-)

 

Might explain why Windows 7 betas are already filtering through, sounds like vista was another "stop gap OS"

 

Not that i am saying windows 7 will be any better:rolleyes:


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Firefox doesn't like it at all. It works OK on Google Chrome and probably IE (won't touch that cr*p though), so try that.

 

Fred

 

opera seems to hate it with a passion as well none of the images come up the page just comes up as a white page withe links on the side and all formated wrong it looks like a childs first website

 

opera makes a bad website look like a 2 year old made it:D


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

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OK then who crashed Crud today. Its now NOT working


OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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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
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