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    • So I am now in receipt of a second Letter of Claim this time from DCBL although their letter head now says " DCBLegal"  😱 Now I'm guessing one response to a letter of claim is sufficient and I could ignore this but having been inspired by other snotty letters I wanted to have another bash at one. How does this sound? Dear Lackeys of Company with Unconscionable Morals, Thank you ever so much for gracing me with yet another Letter Before Claim on behalf of Excel Parking Services. How many of these delightful missives do you plan on sending before you muster the courage to follow through on your threats to take me to court? Just so we're clear, here is the response (in italics by that I mean the slanted text below) I previously sent to Excel’s Letter Before Claim, in case your attention to detail is as lacking as I suspect: I am currently 2-0 up in terms of Small Claims Court proceedings and I look forward to the opportunity to claim a hat trick, this case being more straightforward than my previous two. I will be asking the court for an unreasonable costs order under CPR 27.14(2)(g) due to your conduct over this absurd claim. Despite my best efforts, you continue to assert that I have breached your terms. However, I cannot breach terms that I was not present to accept. Have you even read my initial response? I suggest you review it thoroughly and save yourself some money. Additionally, please refer to section 13 of the IPC Code of Practice, 2023 edition. I eagerly await your deafening silence. Remarkably, I haven't heard a peep from Excel since my response; instead, they've passed the baton to you to perform this tiresome routine once more. Consider this my official notice that I am sending a cease and desist letter to Excel Parking Services. Their relentless hounding has crossed the line into clear harassment. Any further demands for payment from you, as Excel's lackeys, will be regarded as nothing more than shameless acts of intimidation and harassment. I now look forward to the deafening sound of your silence. Yours sincerely,
    • Personally I'd go to it and object for the sake of it. They have to attend anyway so I can't see you being liable for any costs or anything (if they try to ask for attendance costs, just say that firstly it is their application, secondly it is from their own making, thirdly that they would have to come anyway so you shouldn't need to bear their costs.   When you turn up you should object on the basis that the witness has been in office since the time of the order, and could have done their witnes statement in advance of their AL. Their poor planning is not your fault, 7 days is too rushed for you as a LIP and there is no good reason that a company can't organise itself to sort WX in time. Also they say finalise so they already have something, its not like thye have nothing. Their amendments cannot be so important if they are being added so late.   see what @AndyOrch says but that's my thoughts  
    • Yes, in the main your understanding of my case is right. Linked below to the post with the final WS sent to the court and to Evri.   
    • Hello, welcome to CAG. As you say, appealing this ticket doesn't help as these people hardly ever accept appeals. They don't care how difficult someone's life is, they just want the money. The forum guys should be along later with thoughts for you on how to deal with this. Best, HB
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Question regarding 1st Credit


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Hello all. I am new to this and hope you can help and that I have posted this in the appropriate place!

 

My husband received a letter today on Royal Bank of Scotland Credit Card Operations headed paper. It gave an account number and stated that they had passed unpaid credit card debt on to 1st Credit.

 

My husband has never had any type of account with Royal Bank of Scotland and there was no outstanding balance stated. It gave an address and telephone number for further communication and I checked the number and it was 1st Credit. However, the telephone number for Royal Bank of Scotland at the top of the letterhead does not exist.

 

This all seems a bit suspicious to me and my husband emailed enquires at 1st Credit and stated that he has never been a customer of Royal Bank of Scotland. We now await their response.

 

Is there a possibility that 1st Credit are using this to lure my husband into telephoning them on another matter? Any advice on how to proceed with this matter? We live in Scotland by the way. Many thanks.

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Hi there

 

Welcome to the forum. I think you must write to RBS advising that you have never had an account with them and ask them to confirm in writing that this was their mistake and your details would be retrieved from 1st Credit.

 

I dont know if 1st Credit would be trying to lure your husband. I think that if they had another matter they wanted to discuss with him they would contact him relating to that matter.

 

If this is a genuine mistake it should be cleared up pretty quickly.

 

Good luck

Gemspan

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Thanks for that - I just wondered why the telephone number for RBS does not exist. Seemed a bit odd. I will take your advice and get hubby to write to RBS.

 

Definately write to RBS and do NOT fall for this, this could be someone trying to trick you. Normally you get this via Email, but it is known to done via Post. Also advise you to Shred all your post from now on.

www.nwcpnefc.co.uk/forum football, whinging and anything else

I been to see the Doctor and hes diagnosed me with Excessive DCA Crank call Syndrome.

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I emailed 1st Credit explaining that my hubby had never had an account of any kind with RBS. Another letter arrived today, saying it is to do with Natwest, which makes more sense if they are all now owned by the same people. Their new letter states that they have received my recent communication regarding a dispute/query in relation to this debt. They will be contacting their clients and will let us know their response in due course, which may take at least one month. Unless I am querying the full balance I MUST contact 1st Credit IMMEDIATELY to "discuss payment of the debt amount you accept is due and payable."

 

Is this what I have read on other threads about not admitting to the debt?

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You have effectively put into dispute this debt. Don't admit to anything until they produce all the documentation they have and, even then, refer to it as the "alleged" debt.

 

Do nothing until they come back to you. Don't get in contact with them or reply to their email. You have a response to your initial email stating that the debt is not yours.

 

Wait and see what they say. You are querying the balance!!! Don't know what they are going on about!!

 

Kind regards

Gemspan

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