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    • Yeeeeees! Well done on your victory!  👏
    • Hearing held today in court. I attended in person and Evri had an advocate attend on their behalf to defend their position that my contract is with Packlink and not with them. I also provided a copy of Evri's terms and conditions which explains that a contract is entered into when a parcel is sent with Evri. The judge pointed this out to the Advocate and agreed there is a contract between me and Evri under the Ts and Cs. The judge explained that while Packlink are responsible for organising the delivery of the item, it is Evri who are responsible for handling the goods and delivering them, and therefor Evri has a responsibility to handle the goods with reasonable care and skill. So am pleased to say the judge found in my favour. Hearing lasted about 75mins. Evri has been ordered to make payment within 21 days. Also nice to meet @jk2054 in person.
    • Good morning,    I just wanted to update you on the situation.    I have visits piling up with my current employment and they need doing before I finish at the end of this month.  I am moving to Wiltshire in 3 weeks for a new job helping care homes with their Dementia patients. I tried to work it out and at a guess I will be doing about 20-25,000 miles a year. So need a vehicle that can cope with that mileage, my old car would have done it easy but 🤷‍♂️ I have taken out a loan and got a friend to find me a reliable car that can cope with the miles and hasn't been written off in the past.   I phoned Adrian flux to see if I could use the last months insurance on a new car I have bought, the girl I spoke to phoned Markerstudy and asked them but they said no, my new car doesn't have any modifications.    I had an email from someone who saw one of my appeals for information, they live near the site of the accident and know a nearby farmer who has a security camera at his entrance that catches the traffic and specifically registration plates as he has been robbed before. They said they would reach out for me and see if he still has the data. Unfortunately it wont catch the scene of the crash.   The Police phoned me and said they were closing the report I made, even if they found footage of the vehicle at the time I said the actual incident would be my word vs theirs.  My first response was I am sure google maps would show that they turned around at that location which would verify my version of events, but upon reflection I do understand, I have seen people doing make up with both hands while driving, eating from a bowl steering with their knees and veering all over the place. I am sure some of these people go off the road and claim that someone forced them off.    Markerstudy phoned me yesterday to say that my car is now at Copart, the £80 tank of Vpower diesel was emptied on entry to the site for safety reasons, which I get but it sucks.  It is awaiting being assessed and shouldn't be too long, which is a relief.  I am really glad things do not seem to be going the way of the other stories and they seem to moving quickly.   However I was informed that my car was a structural write off before I bought it - this destroyed me, I was almost sick.  and this is going to affect any offer of money - after hearing the first statement this didn't affect me.   They need to wait for the assessor to check it over but it is highly likely to be written off and the maximum they can offer is £2300.  I was desperate for a car as I was working for an agency at the time, no work no pay, and did not do a vehicle check because I didn't know about them.  The seller did not tell me that it had been structurally written off, he told me that it had the front wing damaged while parked and was repaired at an approved repairer.  Markerstudy records state that it was sold at auction, no record of repair at an approved repairer.  I bought it bank transfer with hand written receipt.    It gets worse.    It turns out my airbags should of gone off. For some reason they are not working. I think we can figure out why.  If I had hit that car head on and had no airbags.    Some good news.    I can arrange a time with Copart to go and take my stereo equipment and any personal items that are left in the car only. I cant live without music and need quality sound, my speakers and amps are Hertz and JLaudio, (no I am not a boy racer with booming subs, I am an audiophile on a budget) I was really worried I wouldn't get them back so this is a huge relief for me. It is stuff I have built up over years of saving and collecting. Everything to do with the vehicle and mods I have declared need to stay to be assessed.   The accident has gone as a fault on my record, I have to remove 2 years NCB which means I still have some to declare which is good.  So it appears at this point that it may be resolved quickly, not in the way I was hoping, but not as bad as I presumed it was going to be based upon that tow truck drivers attitude and behaviour and the horror stories I read.   I am not going to buy the car back and try to make money with all the parts on it, I don't have the time or energy.   I may need an xray on my back and neck.  The whole situation has left me feeling physically sick, drained and I need it done.   The lesson learnt from this  -  My conscience is 100% clear, my attitude to safety and strong sense of personal responsibility - A rated tyres even if on credit card, brake fluid flush every year, regular checks of pads and discs, bushes etc, made avoiding what I believed to be a certain broadside collision possible.   Get a dashcam (searching now for the best I can afford at the moment)  -  Research your insurance company before you buy  -  Pay for total car check before you go and see a car and take someone with you if you are not confident in your ability to assess a vehicle.      Thank you to everyone here who volunteers their time, energy and information, it is greatly appreciated.  You helped my sister with some advice a while ago but we weren't able to follow through, she is struggling with long term health conditions and I ended up in hospital for a while with myocarditis, when I got out and remembered it was too late.  I am going to make a donation now, it is not a lot, I wish I could give more, I will try to come back when things are on a more even keel.    Take care
    • It seems the solicitor has got your case listed for this “appeal” but not for the Stat Dec(SD). You need to ensure you can perform your SD on the day. If you are able to make your SD in court, the situation you are in now is more straightforward than if you made your SD via a solicitor. You have been convicted of two offences (and two were dropped) via proceedings of which you were not aware. The way to remedy that is to perform an SD. No appeal is necessary (nor is it available via the magistrates’ court). If you are able to make your SD this is how I see it panning out: You will make your SD to the court. The court must allow you to make it as it will have been made within 21 days of you discovering your convictions. You will then be asked to enter pleas to the four charges again. At this point you should plead not guilty to all four but make the court aware that you will plead guilty to the speeding charges on the condition that the FtP charges are dropped. The prosecutor will be asked whether or not this is agreed. In my opinion the overwhelming likelihood is that it will be. If it is you will be sentenced for the two speeding offences under the normal guidelines. In the unlikely event it is not accepted,  the speeding charges will be withdrawn (they have no evidence you were driving). You have no viable defence to the FtP charges and so should plead guilty. This will mean 12 points and a “totting up” ban (as you have already suffered). You can present an “Exceptional Hardship” argument to try to avoid this (explained below).   Because of this, I don’t see any need to make an argument to ask to have any ban suspended (pending an appeal to the Crown Court) unless and until you are banned again. The only reason I can think the solicitor suggested this is to secure a (Magistrates')  court date. I was surprised when you said you had an appointment so quickly; a date for an SD usually takes longer than that. However, if you can use it to your advantage, all well and good. I can’t comment on the argument that the two speeding offences were committed “on the same occasion” as I don’t have the details. That phrase is not defined anywhere and is a matter for the court to decide. It’s an interesting thought (and only that) that such an argument could equally be made for the two FtP offences. If the requests for driver’s details arrived at your old address at the same time, with the same deadline for reply, it could be argued that you failed to respond to hem both “on the same occasion” (i.e when the 28 days to respond expired) and so should only receive penalty points for one. Hopefully you won’t need to go there. I think you have information about avoiding a “totting up” ban. But here’s the magistrates’ latest guidance on "Exceptional Hardship" (EH) which they refer to: When considering whether there are grounds to reduce or avoid a totting up disqualification the court should have regard to the following: It is for the offender to prove to the civil standard of proof that such grounds exist. Other than very exceptionally, this will require evidence from the offender, and where such evidence is given, it must be sworn. Where it is asserted that hardship would be caused, the court must be satisfied that it is not merely inconvenience, or hardship, but exceptional hardship for which the court must have evidence; Almost every disqualification entails hardship for the person disqualified and their immediate family. This is part of the deterrent objective of the provisions combined with the preventative effect of the order not to drive. If a motorist continues to offend after becoming aware of the risk to their licence of further penalty points, the court can take this circumstance into account. Courts should be cautious before accepting assertions of exceptional hardship without evidence that alternatives (including alternative means of transport) for avoiding exceptional hardship are not viable; Loss of employment will be an inevitable consequence of a driving ban for many people. Evidence that loss of employment would follow from disqualification is not in itself sufficient to demonstrate exceptional hardship; whether or not it does will depend on the circumstances of the offender and the consequences of that loss of employment on the offender and/or others. I must say, I still do not understand what the solicitor means by “As a safeguard we have lodged the appeal and applied to suspend your ban pending appeal due to the time limit for being able to automatically appeal without getting leave of the Judge.” When they speak of “leave of the judge” I assume they mean they have lodged an appeal with the Crown Court. I don’t know what for or why they would do this. It seems to follow on from their explanation of the “totting up” ban. If so, I’m surprised that the Crown Court has accepted an appeal against something that has not yet happened. But as I said, i is no clear to me. Only you can decide whether to employ your solicitor to represent you in court. If it was me I would not because there is nothing he can say that you cannot say yourself. However, I am fairly knowledgeable of the process and confident I can deal with it. That said, I do have a feeling that the solicitor is somewhat “over egging the pudding” by introducing such things as appeals to the Crown Court which, in all honesty, you can deal with if they are required. I can only say that the process you will attempt to employ is by no means unusual and all court users will be familiar with it. I can also say that I have only ever heard of one instance where it was refused. In summary, it is my view that it is very unlikely that your offer to do the deal will be refused. If it is accepted, you may be able to persuade he court that the two speeding offences occurred "on the same occasion" and so should only receive one lot of points. Let me know the details (timings, places, etc) and I'll give you my opinion. Just in case your offer is refused, you should have your EH argument ready. Whether it's worth paying what will amount to many hundreds of pounds to pay someone to see this through is your call.  Let me know if I can help further.    
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

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Good Afternoon me and my debts


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Impossible to say with Crapbot. This is just the standard templated letter that all Crapbot 'fans' receive.

 

Whatever the next instalment is, it may be a long way off. Some people have had letters such as this, and then nothing for months afterwards.

 

You may get another identical letter in a few weeks time. You may even get some kind of agreement sent to you. This may be enforceable, unenforceable, or it may be one of the latest fashionable "creatively reconstructed" kind.

 

Prediction is impossible. What you won't get is a Clownell-style capitulation. Crapbot simply do not give up - ever. They even take people to court for statute barred debts. Be prepared for a long fight.

 

SH

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Well at last another letter from my new friends Cabot Financial, it appears to have been delivered incorrectly, perhaps next door but it has found me even at this late hour.

Dear Mr XXXXXX

Unfortunately Cabot has not been able to provide you with the requested information within the relevant time period. We have worked hard to obtain this information for you. However, the original lender has not yet been able to locate the relevant information from their archives.

You are of course entitled to request the information direct from the original lender.

YOUR ACCOUNT

Cabot shall continue to hold any action on your account until further notice.

WHAT HAPPENS NEXT

Although Cabot is dependant on the original lender for the information, the relevant time period has now expired. However, Cabot shall continue to request the information from the original lender to assist you with your request. We hope to receive the relevant information shortly.

If you have any queries etc etc etc

 

Do any of you have any ideas what their next step might be please?

 

 

:lol:GAME OVER:lol:

 

I am surprised that Cabot have been so honest by admitting that they are lame.

 

Lowwill - Looks like your perseverence has paid its due dividend. Well done!!8)

If my advice or input has helped, by all means tip my scales

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Impossible to say with Crapbot. This is just the standard templated letter that all Crapbot 'fans' receive.

 

Whatever the next instalment is, it may be a long way off. Some people have had letters such as this, and then nothing for months afterwards.

 

You may get another identical letter in a few weeks time. You may even get some kind of agreement sent to you. This may be enforceable, unenforceable, or it may be one of the latest fashionable "creatively reconstructed" kind.

 

Prediction is impossible. What you won't get is a Clownell-style capitulation. Crapbot simply do not give up - ever. They even take people to court for statute barred debts. Be prepared for a long fight.

 

SH

 

OK sure. Keep your guard up, but this does now look rather desperate for Crapbot.

 

Would it be premature to send them one of these?

 

http://www.code-d.com/tesco-cards/tesco-value-deepest-sympathy.pdf

If my advice or input has helped, by all means tip my scales

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Hi Lowwill,

That's exactly the same as the last letter I got from them and I've not heard from them since. It's very peaceful without them hanging around.

It's a shame they don't give up as I'd like to see the back of them too but you never know, they might vanish into the woodwork.

 

fox

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Hi lowwill- They have had plenty of time to come up with your agreement (if there is one) Just forget about them for now- you should have a much deserved quiet life now:D

<<<If I have helped please tickle the scales;-)<<<

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Do any of you have any ideas what their next step might be please?

They could pass the account to another DCA, and they would start all over again - it happens.

So - stop them in their tracks by sending them IdaInFife's materpiece, the Domestos of all letters in my opinion - http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/172071-letter-co-solicitors.html#post1856406

 

It just stamps on their toes while they are still whimpering... :grin:

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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Hillards et al, I have read the letter you refer to in some depth and quite frankly it frightens the XXXX out of me. In sending it am I opening a can of worms for myself, guys I'm feeling quite relieved at the moment with regards to Cabot Financial, not complacent just relieved for the moment.

Perhaps though my confidence is a little low.

 

I will however post next a reply I have just recieved from Lowell Financial.

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Today a letter from Lowell Financial;

Dear XXXXXXX

Ref xxxx etc etc

We refer to your recent request for a copy of the original credit agreement for this account.

After liaising with Compucredit in an effort to obtain this document we have been advised that it is no longer available due to the length of time since the account was opened with you.

At this time we have closed our file and will not make any further contact with you concerning payment against this account unless the copy of the agreement is received at some point in the future from Compucredit.

If you have any queries etc etc.

 

Tentatively is that a result?

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...I have read the letter you refer to in some depth and quite frankly it frightens the XXXX out of me. In sending it am I opening a can of worms for myself...

I always remember the expression "do unto others, before they do unto you..."

 

It's up to you, the letter is there if required. If you don't feel happy in sending it then you're not having your arm twisted up your back ('cos we're not debt collectors). Just remember it was suggested when they pass the matter to another DCA though...:-|

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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...is that a result?

Yep - well done!

 

They have failed to comply within the time limit specified, so cannot bring this back later either - despite them saying "unless the copy of the agreement is received at some point in the future"

 

I would suggest a good letter to send to make sure this is dead and biried, rather than leave it open to be passed to the likes of MacKenzie Hall for anotehr go, but I think that ground has been covered above...?

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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Just a shame that we're only a small percentage of their throughput - for each CAGger who tells them where to stuff their accusations, there are several more who will have paid up...:shock:

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Hi Lowwil,

Now what was it I was saying about changing your name to Highwill :D

Well done, another bloody nose for the lowlifes.

 

foxl

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Thank you, all of you for your support and comments.

Hillards, I bow to greater experience and acknowledge that I have never been offered a false move on this forum.

I've just copied, filled out and enveloped two of the aforementioned letters and they will be posted tomorrow.

You know guys, we might any of us never meet but oh boy do I wish we could, we brothers, we band of brothers.

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Well done Lowill. Because they are so predictable Lowells are one of the easiest DCAs to defeat. They threaten all sorts of misfortune will befall you using their so-called specialist insolvency branch Red Debt or their make believe legal wing Hamptons. When all is said and done its just the same telephone threatmonkeys in the Leeds Threat centre pressing a button on the threatomatic machine and churning out more garbage and empty threats. When their bluff is called they scuury back under the stones from whence they crawled.

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:p Yay Will! (Refuse to call you Low tonight haha), Well done - That is exACTly the same worded letter that hubby got on New Years Eve! Thanks again to all fellow caggers who have supported Will the same as you did me and Fox and many others against this particuarly predictable Dca! Take care, Mpols x

'Confidence grows & heartbeat slows to a steady stronger beat, as each member unites, against DCA fights & we all sail aboard the CAG fleet!' :rolleyes:

:pKeep smiling peeps!

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Well Im back again seeking some more inspiration and advice please. Have just arrived home and now have a new name to inspire me; Mortimer Clarke Solicitors ( reading the letter they are in conjunction with one of my former friends that I have mentioned on this thread, Marlin Financial Services) and their letter is as follows;

 

Dear Sir/Madam (they have my name at the top of the page but cannot decide the gender apparently - sorry I digress)

Dear Sir/Madam

Further to previous letters sent by Marlin Financial Services asking you to contact them in relation to the above debt, they regret they have not heard from you and have now passed this matter to us for potential legal action.

Our client is now considering serving a statutory demand on you to recover the above debt within 21 days on terms satisfactory to our client, a bankruptcy petition may be presented to a court in commencement of bankruptcy proceedings against you.

The consequence of bankruptcy proceedings could be that you are made bankrupt, from which time the Official Receiver could take control of your property and assets in order to sell them to pay your creditors. This can include taking your car, television, Hi-Fi, mobile phone, bank savings and other financial assets and other items not essential to basic living.

Being made bankrupt could also likely result in you having difficulty in obtaining credit, including anyone you have a credit card or overdraft with possibly withdrawing those facilities.

Further information is available at the website below:

hhp://www.insolvency.gov.org.uk

You must contact Marlin Financial Services immediately to discuss a payment proposal to avoid a statutory demand being served on you. Please contact Marlin etc etc etc.

 

The thing is guys, I have a letter sent from them (Marlin Financial Services) to me dated 3rd December 2008 that states;

We refer to the above matter and in particular your recent letter received in our office dated 28th November 2008, your comments have been noted. (thats my CCA request complete with £1 PO)

We do not currently hold a copy of your agreement however we have applied to XYZ Bank for a copy and we will forward this on to you upon receipt.

 

That was the last I heard until today's letter. Presumably they had my £1. PO as well.

 

Any points please on how to respond, must say I feel a little angry at the threats and implied consequences.

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Sounds like the are just trying to frighten you into paying something - note they are CONSIDERING serving a SD.

 

I would write them a strongly worded letter informing them their 'clients' are in default of s78, and you consider their actions to be unlawful, vexacious, frivilous and harrassing.

 

Maybe also raise a formal complaint with TS, OFT, et all.

 

Might be worth asking solicitor to send you copies of all documents he intends to rely on in court.

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I have a letter sent from them (Marlin Financial Services) to me dated 3rd December 2008 that states;

We refer to the above matter and in particular your recent letter received in our office dated 28th November 2008, your comments have been noted. (thats my CCA request complete with £1 PO)

We do not currently hold a copy of your agreement however we have applied to XYZ Bank for a copy and we will forward this on to you upon receipt.

Which is why I suggested sending the letter to tell them they have failed to comply, and that they should stop processing your data.

 

Actually, this could be a different matter as the other was Lowell if I remember rightly? No worries, as the same thing applies anyway. You send a CCA request, they fail, you tell them to 'go away', end of - or should be.

 

I'd simply write back and point out that you have their letter (enclose a copy) saying they were looking for the paperwork, but they've run out of time anyway, so they should now stop bothering you!

 

As with any DCA, they are full of COULD and MAY in what they suggest. "Our client is now considering..." Their client could also be considering if thay want tea or coffee, until they make a decision you are not really interested.

 

Just send Ida's letter and shut them up :D

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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Quote "Which is why I suggested sending the letter to tell them they have failed to comply, and that they should stop processing your data." Finish quote

 

Hillards I did exactly as you said with the two that told me they were virtually closing the account, this one is exactly as I have written. They were looking but would contact me later, well the later is now.

 

Perfectly happy to send the letter to these as well with as you suggest a copy of the letter from their sponsors Marlin Financial.

 

I do presume you mean the Green letter?

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Dear Sir/Madam (they have my name at the top of the page but cannot decide the gender apparently - sorry I digress)

Dear Sir/Madam

Further to previous letters sent by Marlin Financial Services asking you to contact them in relation to the above debt, they regret they have not heard from you and have now passed this matter to us for potential (= unlikely) legal action.

Our client is now considering (really?:rolleyes:) serving a statutory demand on you to recover the above debt within 21 days on terms satisfactory to our client, a bankruptcy petition may (yawn!) be presented to a court in commencement of bankruptcy proceedings against you.

The consequence of bankruptcy proceedings could be that you are made bankrupt, from which time the Official Receiver could take control of your property and assets in order to sell them to pay your creditors (and we would have no say in how much we receive, oh damn, shot ourselves in the foot there). This can (but probably won't) include taking your car, television, Hi-Fi, mobile phone, bank savings and other financial assets and other items not essential to basic living.

Being made bankrupt could (another yawn) also likely result in you having difficulty in obtaining credit, including anyone you have a credit card or overdraft with possibly withdrawing those facilities (whatever!).

Further information is available at the website below:

hhp://www.insolvency.gov.org.uk

You must contact Marlin Financial Services immediately (now, where's the bin) to discuss a payment proposal to avoid a statutory demand being served on you. Please contact Marlin etc etc etc.

 

The thing is guys, I have a letter sent from them (Marlin Financial Services) to me dated 3rd December 2008 that states;

We refer to the above matter and in particular your recent letter received in our office dated 28th November 2008, your comments have been noted. (thats my CCA request complete with £1 PO)

We do not currently hold a copy of your agreement however we have applied to XYZ Bank for a copy and we will forward this on to you upon receipt.

 

That was the last I heard until today's letter. Presumably they had my £1. PO as well.

 

Any points please on how to respond, must say I feel a little angry at the threats and implied consequences.

 

I would also consider a complaint to the law society, assuming these are REAL solicitors.

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I do presume you mean the Green letter?

That's the one - the problem with these DCA's is that they need telling how to behave and what to do, or not, next. If you let them run wild, by allowing them to exceed the alloted time to deal with a matter, they start getting silly and asking for money again... :lol:

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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Dear So Called Solicitors

 

If you had even the slightest grasp of the Consumer Credit Act 1974 you would realise that you are talking complete balderdash. Your so called client, you know who I mean, yes that cretin at the desk beside you is in Legal Default of my lawful request under S77/78 of the above Act. Any attempt at Litigation by you or your so called client will result in my Counterclaiming against you and your client for damages and I will seek to have you reported as Vexatious Litigants. Your behaviour in threatening me is I believe a clear breach of the Consumer Protection fro Unfair Trading Regulations and if you were a decent solicitor you would realise that your silly threats are a clear breach of the solicitors code, and the OFT Guidelines on the collection of Debt not to mention a clear breach of the provisons of the CCA 1974.

 

If you do not grasp the stupidity of your correspondence and the dubious statements you have made I suggest you contact a REPUTABLE firm of solicitors who will explain your crass stupidity to you.

 

yours etc

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