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    • Back to octopus from the smart meter/tariff salesperson. Octopus have now said just ignore the letter - I dont have to have one despite there letter implying (at least) it was required, but that i will HAVE to have a smart meter if current meters stop working as 'their suppliers dont supply non smart meters any more'. I am of course going to challenge that. Thats their choice of meter fitter/supplier problem not mine
    • Point taken that we should inform new Caggers that the £20 option is there in wrong registration cases.  Well, supposedly there, who knows what the PPCs would do in practice.  Anyway, the option is allegedly there with both the BPA as you say, but also the IPC (I've just checked). However, there's a danger here of baby, bathwater. The two easiest types of cases to win are (a) residential - due to Supremacy of Contract and (b) wrong registration - due to "de minimis".  Indeed until recently we has been boasting that no Caggers, over two years, who had sent a PPC the wrong registration snotty letter, had even been taken to court, let alone lost a court hearing. We simply can do nothing about a terrible judge.  The judge seems - I say seems because we haven't had all the details - to have ignored "de minimis",. got fixated on a sign and awarded unreasonable behaviour costs.  A totally bizarre judgement.
    • You mean your witness statement 
    • That may be your personal claimed experience I said i didn't want smart meters - you jumped in to recommend smart meters I quite clearly indicated I was happy with being in credit to maintain constant payments - you suggest paying what I owe every month I quite clearly indicated I was happy with being in credit to maintain constant payments - you suggest a variable tariff - even if its one that only varies on a daily basis rather than half/hourly - with prices higher in winter when you need it and lowest in summer when you need it least   politeness ends with: - I'm NOT interested in any smart tariff I see, You are pushing your smart meter + variable tariffs in the wrong place - try pushing them somewhere 'nearer to home'  
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    • If you are buying a used car – you need to read this survival guide.
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

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      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
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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.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Cabot and cahoot debt


Lilythepink
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prob your cra file

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Why and what is that? And surely that is personal data, and I only put my phone number on documents, that I want the people to contact me.

LilythePink

If you liked what I said, and if it helped in any way, please tip my scales..... thank you:)

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cra file see below

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

  • 9 months later...

Stopped paying DLC in July 2012, because they could not provide the agreement or t & c.

 

This debt was originally Cahoot,

but DLC say it has been passed to them to collect this month from Hillesden,

and if I don't cough up, they will be giving me a doorstep visit.

 

I emailed them as I have already CCA'd them in 2012,

and I instructed Payplan not to pay them the token payment.

 

What is going on, they ignored me for 18 months..

LilythePink

If you liked what I said, and if it helped in any way, please tip my scales..... thank you:)

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just pulling your chain

 

ignore them

if/until they can provide an ENFORCEABLE agreement

 

or send you a claimform

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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well what do you think.....

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

DLC have answered my email, by saying that they don't have a copy of my original agreement with Cahoot,

although they say Santander, but it was with Cahoot.

 

They say the agreement is not enforceable because they cannot include the terms and conditions, but it is still payable.

 

They want me to start paying for the debt again through Payplan, and yet the agreement is unenforceable.

 

I was only paying them a token £1 a month through Payplan,

but if they can't enforce it, why do they think I should pay it.

 

The account was only opened in 2000

Edited by Lilythepink
To add date

LilythePink

If you liked what I said, and if it helped in any way, please tip my scales..... thank you:)

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they can ask of course and you can tell them too...............

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I don't know why they bother, they waited well over a year, before noticing that I hadn't paid anything. their wording in the letter is counter productive, as on one hand they say they can't enforce, but it is still payable. Mad as a box of frogs

LilythePink

If you liked what I said, and if it helped in any way, please tip my scales..... thank you:)

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  • 1 month later...

DLC back again,

 

with a copy of the letter saying that they cannot provide the terms and conditions agreement, but it is still payable.

 

They are now threatening legal action, and

 

saying that they will send round a collector.

 

Do they ever go away, can't even remember the debt, as it is dated the year 2000

LilythePink

If you liked what I said, and if it helped in any way, please tip my scales..... thank you:)

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:lol:

 

what there easter egg party short of funds then.

 

go away DLC.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I have read through this thread and I am wondering why they are still chatty with you.

 

Have you actually sent a letter telling them the account is in dispute? If not, you should do this as a priority.

 

They won't take you to court with a disputed account and the letters should stop (mine have - I just get annual statements from them now).

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:lol:

 

what there easter egg party short of funds then.

 

go away DLC.

 

dx

 

 

Yes I wish they would go away forever.

LilythePink

If you liked what I said, and if it helped in any way, please tip my scales..... thank you:)

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Yes I have sent them this letter over 18 months ago.....

 

Sorry to be pedantic but did it say "ACCOUNT IN DISPUTE" at the top? If it did then maybe the difference is that I am paying them token payments. Perhaps that is enough to keep them quiet..? I think not though. OFT advice is pretty clear - they should cease ALL collection activity on a disputed account.

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Hi, as my laptop crashed, I can't find the letter, but I will send another one tomorrow, but I have definitely sent it. Can you post a link to it? Thanks

LilythePink

If you liked what I said, and if it helped in any way, please tip my scales..... thank you:)

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