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    • Hello there,  I would be most grateful for any help or views on a distressing incident that occurred last summer, I can supply more info.  I am a 70 years old retired man and quite severely disabled I use a Mobilty Scooter and walking aids.  I had recently been admitted to hospital with an ongoing heart condition.     I was quite a frequent customer of my local Pub/Restaurant and I had previously submitted several verbal complaints regarding short measures of drinks.  The both managers took exception to this and told me that I was "Never happy until I found something to moan about"  The atmosphere in the Pub generally declined towards myself and I was certainly made to feel unwelcome.  Matters came to a head when I witnessed a dog, inside the Pub, attack a child (A Toddler) who had accidentally trodden on the Dog`s tail.  Fortunately the parents of the child and the owners of the dog reacted quickly and no injury occurred .  The pub was very busy at this time and the incident went somewhat unnoticed.  I brought the incident to the attention of one of the managers and he actually laughed, it was monstrous.  When the pub became quieter I remonstrated with the said manager and I stated that IMO it was dangerous to have dogs and children in such close proximity whist food is being served.  He became extremely unpleasant and told me in no uncertain terms that if I did not like it then to "Stop coming back"   Two days later whilst I was out in the next village with friends my wife rang to inform me that the Owner of the pub had called around to our home and told me wife that I was barred from the pub and to never venture there again; my wife was distressed, she never frequented the pub and the owner and my wife are not well known to each other.  It is my opinion that he had no right whatsoever, to include my wife in this matter and to do so within her own home whilst I was not present.      I returned home then went to the pub to enquire why the owner had visited my home, and upset my wife.  Whilst I was on the pub car park I was met by both the owner and the manager who both informed that I was barred as I had upset staff members.  No suitable explanation was forthcoming from the owner for the reason of his unwanted and unwelcome visit plus his aggressive manner whilst he talked down to my wife.  They both informed me that they would forcefully remove me if I did not leave the car park.   Due to the immense stress I was enduring I felt an urgent need to use the toilet, when i requested to do so I was denied.  I could not believe it, I was in such a hopeless state and was utterly distraught.  Finally I struggled out of the car park but entered the front of the pub and headed for the toilet however they caught up with me and I sat down on a stool and refused to move until i was granted access to the toilet, however they were both adamant that it would not be allowed.  I reminded them that i was disabled but the owner stated that I was `Milking It` and to "Go behind a hedge".  At least half an hour passed, since I had entered the pub, and the owner stated that he would call the Police, I had gathered my thoughts a little by this time and I stated to them that I would call the Police myself and then see if I would be allowed to use the toilets.  I feel the owner began to realise that he might be in trouble as when I began to make the phone call he stated that I could use the toilet however he would accompany me; i had no option but to concur with his somewhat sick condition.  I was forced to defecate whilst he stood immediately outside the door.  My humiliation and embarrassment was complete.    Two days later I wrote to the owner and informed that I was intending to sue him for disability discrimination related offences.  He chose to disregard what I had stated and replied stating that he had no intention of lifting the ban.  I replied stating that I had no desire to ever enter one of his pubs ever again and that he should re-read my letter and respond to the charges.  He did not reply.   I issued proceedings against him in the Small Claim Court for less than £400  (Some of my clothes and a she were damaged due to soiling).  He, rather surprisingly, instructed a solicitor who has threatened me with costs being awarded against me by the court which could run into many many thousands of pounds and that there was clearly no case for her client to answer.  I must admit to being rather alarmed.  The owner is a wealthy man.     The court have advised mediation and have even offered to award one hour of such FOC; I agreed, the defendant refused.  We now have a date for a hearing and I do not know exactly what to expect.  His court response states that he will be bringing two witnesses with him yet there was only he, the owner and the manager who were present.    Much of this was audio recorded and the owner is not disputing much of my statement.  I never threatened violence or used bad language during this most unpleasant incident.      Any help and opinions would be greatly appreciated.   Kind regards.  --  tibar
    • My friend has told them this and got no response as yet nor any refund,  she  is giving them till about 2pm  to refund it or   will be  reporting it as fraud and  seeing the Police etc, have told her please  do not ever  do it again or drag me into it, I will do my best keep you updated   Sandy xx
    • Make sure you keep that email and print it out for safe keeping, just in case the PPC don't quite get the message.
    • Okay i've just sent the letters recorded delivery and have registered with the claims court. Just reading about PAP.
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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


PLEASE NOTE... I AM MOST SORRY BUT I HAVE VERY LIMITED AVAILABILITY AT THE MOMENT DUE TO EXTREME PRESSURE OF WORK - IF YOU REQUIRE URGENT HELP ON YOUR THREAD AND ARE GETTING NO RESPONSE PLEASE HIT THE TRIANGLE FOR SITE TEAM ASSISTANCE. ELSA XXX

 

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:

 

All opinions are my own based on research. I am not legally qualified, if in doubt please consult a legal expert.

Hope this has helped or made you smile. Keep your chin up, you're among friends now! Elsa xxx

Please click the *star* of any CAG member who has helped you .

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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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