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    • theres nothing there you need to remove   100's have posted like letters it's important we have that correct info to properly advise you.   it would help your chances of OOC to include your future/prospective career route and what your have already achieved by way of qualifications to show how a criminal record would destroy such a young persons future. they are not out to destroy people.    
    • Don't forget the parasite comments all recorded    Your law degree even strengthens my case that you understand the terms of business that you agreed to    Ewc was never contacted before the date you cancelled and even if we where the official cancellation was within the 4 month period    We also advised you we didn't have the new date that you proposed as we had other commitments and sed we would look at other dates but you declined all in emails all of this was within the 4 month period.    I will look forward to your letter     
    • Mark Sealey, who has been in his job for more than 40 years, describes what the day-to-day involves.View the full article
    • Thank you very much DX100UK, that helped a lot.   DEFENCE   1.     The Defendant contends that the particulars of claim are vague and 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.     2.     Paragraph 1 is noted. It is accepted I have in the past had agreements with Lloyds TSB. I do not recall the precise details or agreement nor the claimant either, having failed to provide an agreement/account number within its particulars of claim and have therefore sought verification from the claimant.   3.     Paragraph 2 is noted but until such time the claimant can clarify the agreement account number any breach has yet to be proven.      4.     I am unaware of any legal assignment or Notice of Assignment allegedly served by either the Claimant or Lloyds TSB pursuant to the Law of Property Act 1925.   5. Paragraph 3 is denied. I am unaware of any Notice of default served.   6.     It is denied with regards to the Defendant owing any monies to the Claimant. The Claimant has failed to provide any evidence of the Agreement/Assignment/Default notice or Termination 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 how the Defendant has reached the amount claimed for; and c) Show or evidence a Default Notice /Notice of Sums in Arrears, d) show how the Claimant has the legal right, either under statute or equity to issue a claim;   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 5th of January 2022 I requested to The Claimants Solicitors, Mortimer Clarke by way of a CPR 31.14 copies of the documents referred to within the Claimants particulars to establish what the claim is for. Mortimer Clarke have failed to fulfil my CPR 31:14 request.   9.     On the 5th of January 2022 I made a section 78 legal request to the claimant for a copy of the Consumer Credit Agreement. The claimant has as of 27/01/22 failed to comply.   10.  By reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.   End. ___________________________________   I did find this in some defences, but I’m not sure if this ‘PAP’ failed to comply: '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'   I read this 3. And it seems they did, so I should leave out? https://www.justice.gov.uk/courts/procedure-rules/civil/pdf/protocols/debt-pap.pdf  
    • I don't think having different opinions is a problem on a forum.   In fact I'd go further, often different opinions are essential to thrash out how best to go forward in a legal dispute.   But be that as it may, Manxman in Exile's point is extremely important.  Was the solicitor's moaning simply connected to these four text messages and two attempted calls, or is there anything else?
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Hi everyone - I'm new to this website.

 

To start with I would like to introduce myself, I must point out that I'm purly here to help and give advice to people who are in debt.

 

I am and have been a debt collector for nearly 5yr's now, I work for one of the largest debt collection agencies in the UK, clearly I cant give my name or the company I work for, but I praise myself on helping the people who I speak to.

 

Clearly in my work there are things that I have to ask people who are in debt. But the difference with me is I care about what I do and I know how stressful it is for people who are in debt.

 

Please dont judge me for what I do for a living, I wouldnt have become a member of this website if I didnt have a positive opinion and want to help people.

 

We are all in debt in some way, I am.

 

If you have any questions please feel free to ask - I will do my best to help anyone out in anyway I can.

 

Thanks for reading this.

 

Regards

 

The Debt Collector Who Cares.

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hahaha lol.

 

seriously I'm interested in helping people in any way I can. Yeah, of course you are.... :rolleyes:

 

you wouldnt believe how much trouble I get in for not following the code of practise at work!!! Still there though, aren't you ?

 

thanks for repaying ooops meant replying anyhow :)

 

;)

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Is there something in the water at the moment? Is it the hot weather that is throwing this up?:rolleyes:

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Ok Ok....lets give the benefit of doubt until it can be shown or proven otherwise.

The Consumer action group and Bank action group welcomes anyone who can offer input and suggestions that helps users faced with issues concerning their debts.

However we should remember that first and foremost this is a site that was set up to help and get justice for all those at the hands of failings by those who have breached their lawful responsibilities and also their duties.

If you are here to genuinly help those people then you are welcome with open arms.I just ask whether you are agreed as to whether there would be an equal welcome by members here seeking to take an interest in your own collegues websites....such as the debt buying and sellers group ?

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Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Ok the debt collector who cares.

 

You may have read a few threads around here and seen that many of us have suffered in the hands of the DCA industry. So, be prepared for plenty of suspicion and hostility. If you can cope with that and knowing that you have to prove yourself to be what you claim to be on here.

 

Ok few questions for you.

 

Why do DCA's constantly break OFT guidelines and keep sending demands for payment on an account that has been shown to be in dispute and unenforceable due to the lack of a properly executed agreement?

 

How much does your company pay for a debt that they buy?

 

How much commission do they make on a debt that is assigned to them from the original creditor?

 

On how many accounts do you take legal action on? I've heard it's less than 4%

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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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Well, what can I say, I am touched - (not as touched as these DCA think we all are - I haven't been sitting out in the mid-day sun).

 

Profits and bonuses?

 

A single acknowledgement of 'the' debt!

 

A small - insignificant payment towards a 'stutute barred' debt!

 

then what................

 

the process of harassment / threats starts all over again and where there was little legal right to pursue the alleged debt - some poor debtor is on the slippery slope once more.

 

Being a religious person, I recognise everyones right to worship their own god(s) and with that thought I send the following to all DCA employees...

 

May your god be with you and may he come for you soon.

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Clearly I cant advise people to make CCA request's as all phone calls are monitored, but I do adv people to speak to the CCCS / CAB in order to gain this info. Clearly there are alot of people who shouldnt be chased for debts and if this is the case the debt gets written off. The company I work for deal with both purchased and commission debt, I personally work more on the commission debts rather than purchased. And when a CCA request comes in it goes direct to the litagtion debt.

I dont beleive in pushing people into a corner to pay there debt, becasue as we all know if you had the money to pay then you wouldnt be in debt.

Thanks for the welcome though!!!

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Methinks the major DCAs want to try and soften their images by placing employees here :rolleyes:

 

But, in the spirit of this site, as Martin said, all are welcome. Let's see what you have to say then...

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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So what about a DCA chasing someone for a debt that IS NOT THEIRS?

 

Threats by letter and telephone.

 

Failure to abide by OFT guidelines.

 

Failure to properly investigate disputed debts.

 

Failure to comply with CSA code of practice.

 

Failure to comply with DPA 1998

 

Is that acceptable IN YOUR OPINION?

 

How would you address a situation like that?

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Guest forgottenone

I have things to do as well. Cleaning. No, really I have. :)

 

But this, surely is a contradiction/conflict of interests:

 

I personally work more on the commission debts rather than purchased. And when a CCA request comes in it goes direct to the litagtion debt.

I dont beleive in pushing people into a corner to pay there debt, becasue as we all know if you had the money to pay then you wouldnt be in debt.

Thanks for the welcome though!!!

 

Doesn't that roughly translate as 'target driven?' Therefore, some kind of pressure would be involved ... eg to hit targets ...

 

I also couldn't help notice someone posting last night with the words 'Room 517' ... preliminary checks indicate that is based at the Insolvency Service, Bloomsbury, London. Sorry, my apologies, just thinking out loud.

 

Also, debt advice company that is free of charge? The market may be already cornered on that one. But how, if free to use, would you be getting your income in?

 

Anyway, have fun. I am sure you will, responding to the many, varied questions people will fire at you. I have many myself, but mostly on a more moral side which often gets blurred where DCA's are concerned. :)

 

Right, off to clean the landing.

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I posted a link on this site the other day to an article that said DCAs were in financial trouble and their management would have to change their style to survive. I think this appearance of debt collectors - now 2 in 2 days - is part of a softening up approach to get people to pay. Needless to say they are NOT answering any real questions - no surprises there - just trying to portray themselves as good guys in the midst of poo. The Site Administrator says they are welcome if they are here to help but the posters don't want them here - end of - we are not taken in by this nonsense.

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I dont know why everyone seems to have a problem with DCA employees posting on here - infact i encourage it :)

It gives me & others the chance to swap posts with them (in a none nasty way hopefully) & make them realize that the DCA they work for or any DCA in general has no power or authority over an individual WHATSOEVER.

The most they can do is ask a person to pay - other than that, nothing else unless they go to a county court & most DCA's like to avoid County Courts at all costs of course!

They cant send field agents/bailiffs round as they can be told to go away, plainly & simply - only the County Court bailiffs have the power to enter a persons home.

I am more than happy to explain all that to DCA employees who post on here :wink:

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I dont know why everyone seems to have a problem with DCA employees posting on here - infact i encourage it :)

It gives me & others the chance to swap posts with them (in a none nasty way hopefully) & make them realize that the DCA they work for or any DCA in general has no power or authority over an individual WHATSOEVER.

The most they can do is ask a person to pay - other than that, nothing else unless they go to a county court & most DCA's like to avoid County Courts at all costs of course!

They cant send field agents/bailiffs round as they can be told to go away, plainly & simply - only the County Court bailiffs have the power to enter a persons home.

I am more than happy to explain all that to DCA employees who post on here :wink:

 

I don't have a problem with them Mr. Ton... but the newbies to this site might just fall for the bollox. ;) Knowing how scarey debt can be when you first start out challenging things, they don't really need debt collecting debt advisors preaching the best way forward, IMO.

 

:)

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Well I m sure a mod could have a look at the Ip's of mr NSE and the latest kindhearted DCA to ascertain if they are one and the same..thats if the board is configured to do that, should soon find out if this is 2 kind and caring collectors or just another parcel of pooh thrown around by the same person.

Of course I will pay you everything you say I owe with no proof.

Oooh Look....Flying Pigs

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