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    • Hi Honeybee, Yes admitted to being the driver, I am the only person who drives the vehicle and I do use the road in question regularly, so mostly likely it was me.   I have never been asked to produce my licence and insurance at a police station.  I was not stopped so everything is paper based through the post, at no point I have been told to produce anything until the charge letter.
    • I've complied this draft letter. What are your thoughts?. Can they during this time put anything in place to get any court proceedings so i would have to travel to Wales?. Check out the Compton Group LTD who are their litigation team. Thanks and good morning. 20th letter dtw pdf.pdf
    • I'm trying to work this out as I go along. The first thing to do is to think about this not as a car – but simply as a £value. This is especially so as you have said that it is not a rare BMW. This means that you could purchase another one and it would mean just the same to you. You bought the car for £16,000 – and presumably that was the value you gave to the insurance when you bought the policy – is that correct? If that is the value you gave to the insurer then on my understanding of these things, that is the maximum you would be entitled to claim. This is the amount you got so although you lost the car (£16,000), it was fully replaced by the payment of £16,000 – minus, of course, the excess – but that was part of the deal anyway. I've looked at the RAC website for the meaning of the various categories - https://www.rac.co.uk/drive/advice/buying-and-selling-guides/changes-to-insurance-write-off-categories/   I see that a Cat S means that there could be structural damage. Cat B means that the car must be broken for parts. You say you would like to get the car back because you consider that it can be repaired. Personally I think I would be very worried about this because if there has been one inspection which is rated it as a breaker and the second one rates it as having possible structural damage – but repairable – it seems to me that there is a huge risk involved. Supposing you got the car back and proceeded to repair it but in fact found that there was some structural distortion so that the geometry of the car made it difficult to drive. You would then have a real lemon on your hands – and of course you would have allowed a fair amount of money and trouble into getting it going. Apart from the fact that Hastings behaviour is all rather suspicious – I'm struggling to see what loss you have taken on this. You would have had to pay the excess anyway – in any event. You have now received £16,000 payment so you are in a zero-loss situation and you could simply go out and hunt around for another car for the same money. The only thing that I could see which could complicate matters is if you come back and tell us that in fact the car was a huge bargain and that it would cost you more than £16,000 to replace it. But in that case I would have to ask why did you only insure it for £16,000? The second complicating factor might be that in the four months that you had it, he spent a lot of money on improvements and you have managed to recover that. Maybe you could let us have your comments on this and also let me know if there is anything which I've misunderstood  
    • Well today is the 20th so let us know if you have had a disclosure by the end of the day.   Of course you can bring a claim for breach of statutory duty – but in order for it to be a small claim you would have to claim an amount in financial compensation. Luckily under the data protection laws you can claim for distress without having to prove any physical damage or economic loss. I happen to know that you have some experience of bringing a successful data protection claim in the past - which was settled quite advantageously out-of-court. If you want to bring a small claim then I would suggest that you would have to alleged the distress and claim for, say, £50 – but it is a bit early to do this. You certainly would have to send them a letter of claim and give them 14 days.
    • What is the name of the car dealership please – I think you have already been asked this. Also, didn't you record the call? You've been here since 2006 and our customer services guide has been around since almost that time. It is always going to be very difficult to get hold of a recording of a conversation which Incriminates the company that you are trying to retrieve it from.
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olliepup

Natwest/rbs/triton mint creditcard debt

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Stop sending them quids.

 

You only need to do it once, to whoever was demanding money. They have to forward the request.

 

The most you have to do after that is remind them that they are in default of your request

 

The address is not the correct one!

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Yeah the original quid went to Natwest, they haven't complied so i'll just remind them it is in default and that they can not legally try to collect money when the account is in dispute, is that right.

 

Many thanks to contributors to this thread.

 

Olliepup

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Yeah the original quid went to Natwest, they haven't complied so i'll just remind them it is in default and that they can not legally try to collect money when the account is in dispute, is that right.

 

Many thanks to contributors to this thread.

 

Olliepup

 

They cannot ask for payment whilst they are in default of your CCA request

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Hi all and Happy New Year to everyone.

 

Well all had been quiet on this Natwest debt until receiving a letter from Regal DCA, bright red letter type thing demanding full settlement or they will advise their client of further action should be taken.

 

Account still in dispute as before so maybe time for the bemused letter to them now??

 

Anyone dealt with Regal??

 

Could be another paper exercise.

 

Any views welcome.

 

Cheers Olliepup.

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dickys law

 

the brightness of the colour in a letter and the size of the font used is inversly proportional to the amount of bull**** contained therein

 

 

enough said? file and ignore it

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dickys law

 

the brightness of the colour in a letter and the size of the font used is inversly proportional to the amount of bull**** contained therein

:D love it!

So right too...

Happy New Year DD

Elsa x


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Please check out my BLOG for the quick guide to debt threats - it has all the info & letter template links you need to get started on your journey of TAKING CONTROL. :roll:

 

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Heh Heh good one!

 

So you reckon to not even reply and send the bemused letter?

 

What about the Invite them to sue me letter?

 

This is the 4th DCA now in 4 years.

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I got a bright red letter from Regal Credit this morning. They are demanding payment for a Natwest Credit Card Account.

 

I have never had a Natwest Credit Card. :confused:

 

Unfortunately I was so incensed I called and left them a message before I had noticed that you are charged 10p a minute for calling their number. :(

 

Still I'm sure I managed to say what I wanted to within that minute - ending with "Now just bugger off." :D

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I got a bright red letter from Regal Credit this morning. They are demanding payment for a Natwest Credit Card Account.

 

I have never had a Natwest Credit Card. :confused:

 

Unfortunately I was so incensed I called and left them a message before I had noticed that you are charged 10p a minute for calling their number. :(

 

Still I'm sure I managed to say what I wanted to within that minute - ending with "Now just bugger off." :D

 

Hehe...... We keep getting Regal calling at work for some fella that nobodys ever heard of - given that theres only 5 of us that work there and the branch has only been open a year I'm guessing Regal have bought themselves some corrupt data.

 

They call so often now and tie the phone lines up that the companys legal dept have pinged them a cease and desist notice or we'll see you in court for the loss of business......... can't wait for the next call now :D

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:D

 

And Hi to olliepup - I've just been back to the beginning of the thread to see who started it as I got here by doing a search on Regal.

 

Regal very kindly sent me a Business Reply envelope too, so I'll write to them too as they'll be paying for the postage. Well, when I say "write", I mean I shall just send them a copy of their letter and scribble a couple of words on it.

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:D

 

Regal very kindly sent me a Business Reply envelope too, so I'll write to them too as they'll be paying for the postage. Well, when I say "write", I mean I shall just send them a copy of their letter and scribble a couple of words on it.

 

Make sure you wrap it around a couple of house bricks first...... would be nice to get their monies worth out of the post :eek:

 

Hi to Olliepup too :D

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Hi there!

 

I still haven't done anything about this one! yeah write two words on it one starting with F ....

 

Haven't heard anything else but noticed some code on the letter that was RB something or other, so pressume it's a in house DCA for RBS??

 

I may just send the bemused letter recorded and send a turd back in their pre paid envelope!

 

Olliepup.

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I got a bright red letter from Regal Credit this morning. They are demanding payment for a Natwest Credit Card Account.

 

I have never had a Natwest Credit Card. :confused:

 

Unfortunately I was so incensed I called and left them a message before I had noticed that you are charged 10p a minute for calling their number. :(

 

Still I'm sure I managed to say what I wanted to within that minute - ending with "Now just bugger off." :D

 

and now they have your number!1 Doh!

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OMG. Do you mean they can get number withheld numbers? :eek: How?

 

crafty girl!!

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Hi folks!

Regal are still bleating on about this, i sent them a letter stating they have not supplied a valid CCA nor have original creditor since i requested it months and months ago!

 

Told them they cannot legally collect any money until this is supplied and not to bother sending any doorstep collectors or i will call the Police.

 

I got a letter back from them today saying thank you for your recent communication but you forgot to include a proposal for repayment of this debt, also can you include a statement of finances to see if we will accept your offer etc etc.

 

WTF are they that thick??

 

Surely with no CCA they CANNOT try and collect and they know they can't??

 

Should i just write back and say the reason i have not included a proposal as you are in no legal position to request payment until a valid CCA is produced.

 

You have no right to request financial statements.

 

Should i invite them to take me to court for the debt with no CCA?

 

This lot have made me angry.

 

Many thanks

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Erm yes, they are that thick. :D

 

I sent almost the same letter, including the bit about calling the police, and not having a valid CCA, and they just wrote back and said they wanted the money anyway. So I have written back again explaining why they can't have it. I've had three letters so far, and most DCAs go away after three attempts, so maybe I won't hear from them again.

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I wish there was a smiley for 'yawn' - we could certainly do with one as far as DCAs are concerned.

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yes they can - and can go as far as issuing proceedings (but not obtaining a judgement) as it has (stupidly) been ruled that actions up to issuing proceedings is not enforcement but obtaining a judgement is!!

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So why would it be worth issuing proceedings if they can't obtain a judgement??

 

Won't it cost them money?

 

To be honest if they want to take it to court they can, least i'll try the no CCA defence and i'll get a chance to offer what i can really afford which isn't much so they will be on a hiding to nothing.

 

Is there a letter to send regarding their position with no cca?

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because most people will sh*t themselves and pay up or offer to pay up when the summons drops on the doormat!!

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So basically if the summons drops through the door is it then when i have to file a defence? is it a paper exercise and is not having a valid CCA classed as a reasonable defence?

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