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    • well ...... 1st you need to go back to post 1 and carefully read ALL this thread from the start again and pay attention to the advice and the undertones it explains about 'debt'.   2nd ...the truth is you owe no-one ANYTHING, the OC wrote off and sold the debt, and got most of it back against tax and business insurance schemes ...throw the morality card out the window...the OC did by selling the debt on for <10p=£1. and the DCa want the full balance ...id so many fools stopped paying powerless DCA's tomorrow, the whole industry would collapse overnight.   3rd the only reason this is still around your neck is because you failed to follow given advice...had you ..it would now be statute barred.      ^^^ very important research the M+S credit card debacle using our enhanced google searchbox on this page   as for the PAPLOC reply,   D.. desipte a previous CCA requests, the claimant has yet to supply any/all of the required paperwork.   i: delete [CC is attached to this reply form]"   
    • Hi again   Yes, it's been a lovely day weather wise.   Guess you've better things to do with weather like today than help with this problem, so thanks very much for your input, it's very much appreciated.   Late this afternoon I did receive a reply from the tenants, and they are asking me to go 50/50 with getting the garden sorted, not only that, as they have moved away they are expecting me to get the quotes.   Regarding you view on this issue, its so easy not to see the whole picture and my thoughts that the staining damp may be of their own doing didn't occur to me as I was so locked into the historical leak. Taking a closer look at the room in question today, I'm convinced that they are trying it on with the stained mattress- they did mail through a picture and then a receipt for supposedly the mattress. My wife and I then took both the pic and receipt to the bedding store where purchase was made to ask if the two married up, the picture does not show any emblems/manufactures logo or such to prove that this is the case, so we are none the wiser- our thoughts being that the stained mattress is from elsewhere.   A few days back I spoke to our letting agent regarding all of this, as was quite correctly mentioned there are two parts to this equation, namely the mattress and then the property.   Our agents mentioned to me that as an inventory was not carried out initially with the let, (hindsight) the pictures that were used to advertise the property could not be used as evidence to present to the TDS to be compared to the pictures now as there is no proof that the advertising pictures were in fact how the property was when the let started. I mentioned that all digital pictures have a means of finding when that pic was taken- Geo tag/Metadata- agent was quite surprised by this. The agents thoughts then went for a hide in a vacuum-   This is going off at a tangent here-many moons ago my wife studied computer science at a local University, one of her classmates who she is still in touch with is now a practising Solicitor. My wife suggested that maybe I give her a call, a bit rude I guess, but I did  phone and with the pleasantries out the way  I asked for her opinion of the best way to get this sorted. Her remit isn't landlord type stuff, however she will speak to a colleague on Monday and come back to me.   The property is due to be relet on the 21st, we will ensure that the new tenants move in to a home that is immaculate and welcoming, trouble is its getting a tadge close to get the garden issues sorted in time.   I know that all this will get closure in the end, but at the moment I've had more fun with a toothpick-   Again, many thanks.
    • The collection is currently stored at curator James Blower's home, but he has now found a space situated in an old bank premises where he hopes to exhibit them from this autumn or early next year. View the full article
    • In a letter sent to customers in the past few days, the bank has said that 'following a review', rates on two mainstream instant access accounts will be slashed to 0.05 per cent from August 12. View the full article
    • Thank you dx. Understood not to send for another CCA. I've had a read through note #2, my first time seeing anything like this. Thank you for bearing with my questions! When ticking box D, "I dispute this debt because"..recommended reason as advised from your thread, what reason should I use? (The truth is I do owe some money from way back, it was originally 5K, interest saw it go up to 11K (so unfair), and I paid 2K get it down to £9k (as currently owed)) in my eyes, I only owe £3K.  Id rather not pay anything as my ex-wife (who wasn't in her name) spent it! When ticking box I, "I have requested by way of a cca request the signed agreement from the debt purchaser [CC is attached to this reply form]" who is this, would this be Arrow? When I've filled in the PAP reply form, i'll send it off first thing Monday morning.  What happens then, I just wait, what happens if it goes past 12 days with the CCA, or 30 days with these documents? Many thanks  
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Delfi101 vs Optima, Mercers and Barclays **WON**


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The Original (long) thread for this is here for reference.

 

This is one of 3 fights that I'm facing and it deserved to be split from the huge thread that it initially belonged to as I think is now an item that stands alone.

 

Spoiler: We're at the point of Witness Statements being exchanged with an invalid Default Agreement and a rubbish Application Form (aka credit agreement).

 

I'll post new stuff here regarding this case.

 

D

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Same ere then sent me a guarenteed acceptance your card is waiting to post letter this morning. Could not help but laugh at them dont know why.

 

Oh and BTW it was a application from that said it was a cca, No apr etc and it said cca under the cca 1974 act.

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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If you have probs with BC then I suggest you read the original thread ... it'll take you through what happens from my perspective.

 

A word of warning though ... it's a long thread ... you will need supplies and comfort breaks.

 

D

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Witness Statement supplied on time and guess what Optima haven't managed to do.

 

At every stage they're trying to obstruct the proper process.

 

D

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Witness Statement supplied on time and guess what Optima haven't managed to do.

 

At every stage they're trying to obstruct the proper process.

 

D

are you overly surprised?

 

next you will be receiving a letter i reckon from Berkleys saying that they have pulled the case out from under Optima and sent it to some other sols, someone like M,A,B

 

then they will most likely do as they did with Viano

 

and run away after seeking instruction from a Barrister

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only run Paul. I at least thought the private jet would turn up.

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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  • 4 weeks later...

Well folks, I have some news.

 

Bloody good news.

 

Barclays took this in house (away from the rubbish that call themselves Optimistic) and got quite nasty. They tried to heavily rely on Rankine but in the face of a very strong defence they've bottled it

 

Case discontinued. We win!

 

This is in no small part due to Paul's considerable help behind the scenes. Thanks mate! There's a lot of stuff that needs to be kept private here.

 

If you need any help with this lot in future, please bear in mind that I've been through the whole thing now and CAN and WILL help.

 

Now to get that default removed and pile on the pain any way I can.:) This lot did their level best to break me and I haven't forgotten that.

 

Thanks again for your support folks.

 

I'm absolutely delighted.

 

D

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Excellent news. :D

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Great work all !!!!

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

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Oh and can a mod please change the title of this thread to something more appropriate? ... ta!

Already done my friend, already done

 

Congratulations on the result mate, not unsurprised might i add, as they never had a chance of winning this one, still its nice to stick one up them;)

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2 more to go. One vs HFC ... same thing really. And one vs First Crudit regarding the sister account of this one. Same evidence, same approach. Poor old First Crudit (not).

 

D

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2 more to go. One vs HFC ... same thing really. And one vs First Crudit regarding the sister account of this one. Same evidence, same approach. Poor old First Crudit (not).

 

D

 

That'll be easy mate, a copy of the letter you emailed me sent to festering crud and that should do the trick:D

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Well done!!!! I might be back for abit of advice if that's OK - Optima have just started on me....Nothing spectacular yet but the threats have begun...

 

Well done again and good luck with the rest...

:)** Any opinion expressed by me is given with the best intentions - But I could be wrong so bear that in mind**:)

Missed Call Checker - http://whocallsme.com/Phone-Calls.aspx/077/m

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I can only advise on the basis of what was said and done but please ask away. I'm no legal expert.

 

I stood up to these 's because I can't stand bullies. The good people here propped me up and, without their help, I'd probably have given up well before this point.

 

This has given me tremendous confidence in my ability to deal with the other 2 cases and be less hassle for Paul et al from now on. I know what to expect now and how to put the various required documents together. Sure, I'll still need some advice (mostly in checking what I've done) but none of it is new.

 

I can probably help with the basics so ask away.

 

The most important thing to remember is that they rely on intimidation.

 

D

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I'm not too worried yet - They have just started with the"may" and "could" letters - Nothing saying they will....

 

I'm going to send them a letter off next week but I'm not sure I'll get much out of them...But again, I'm glad you took them on - They really do need a big kick in the pants...:D

 

Well done matey...

:)** Any opinion expressed by me is given with the best intentions - But I could be wrong so bear that in mind**:)

Missed Call Checker - http://whocallsme.com/Phone-Calls.aspx/077/m

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Nice one.

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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