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    • Update. The ASB team have categorically said they want to send a letter to the idiot saying... you are upsetting your neighbor, please come in to talk about this, we need to tell you we have no power to do anything about this though... WTAF?   They also said my only option to stop idiot parking and obstructing our kerb is to park our other car outside idiots property 🤔 because the car is now not obstructing enough to get a ticket and not breaking any law! Even though it's obviously being done to cause annoyance.   Just seems beyond belief!
    • Ok, quick update on this.  Mediation didn't happen - mainly because I missed the deadline for agreeing to the date - I didn't realise the deadline was quite so tight - and I had been away for the weekend and not reading my emails - anyway - although it was bad to not formally respond, it didn't really make too much difference because due to the lack of viable evidence provided by the claimant, mediation would have been pointless.   So I've been waiting to head what court date has been allocated to my case. However, instead I received a "General Directions or Order" letter.    Sorry - I meant to bring it in (to where I'm writing this).....but basically the gist of it was that the claimant had 14 days to respond providing evidence e.g. signed credit agreement etc. - and then I had 14 days after that to respond stating whether I accepted that evidence and whether I wanted to withdraw defence.    The letter was sent around the beginning of the month - therefore their 14 days are more or less up - I haven't heard anything - albeit, I need to factor in postage times - but surely this means my 14 days are not really 14 days....but more a case of the time left before the end of October and when or if I get anything from the court of the claimant with their evidence.   My question really is:    Is it a stupid question - but I cannot really do anything until I receive anything - at the moment, the court won't know what they've sent me (in response to my CCA request) - i.e. the poorly presented application form - meaningless statements - no clear signed credit agreement etc. - so this step is basically the court asking whether there is enough evidence in order to allocate a court date?   I'm assuming I should get a copy of whatever the claimant provides to the court?   Many thanks  
    • hello again, do you think this witness statement better suits my needs witness 2.pdf
    • Hi all   Does this link indicate whether or not Woodside Park station is under the TFL Byelaws or not, as I'm a bit confused?!   https://tfl.gov.uk/corporate/transparency/freedom-of-information/foi-request-detail?referenceId=FOI-2209-1819   Rgds. Andy
    • I am hoping someone can offer me some advice concerning an issue with my former landlord, please. In short, I took possession of a property he was letting out just over ten years ago. Having viewed and been offered the letting, I accepted and paid the deposit plus the first month’s rent and moved in. Meanwhile, the landlord had gone on holiday and it was not until a week or so after I had moved in that I saw him again when he came around to see if we had settled in OK. I told him all was fine and took the opportunity to ask him where the parking space was located as there is only “pay per hour” on street parking outside and a commercial car park approaching half a mile away. He said there was no parking included with the accommodation. Yet the lease which we had each signed clearly stated that the property included the use of a parking space. He told me that this was an error on his part and that there was no parking space included with the property. Having already vacated my previous letting and paid the deposit and the rental advance and moved all my effects into the new letting – in addition to not wanting a major fallout with my new landlord (I also had a wife and three children to consider), I erred on the side of caution and did not press the matter.   However, the kids have all grown and flown and we have been obliged to downsize to a one bedroom apartment (with parking, happily). This was nearly three months ago and I have only yesteray received contact from my former landlord’s lawyer stating I still owe him (the landlord) money. I am waiting to learn the grounds for his claim and have requested a full breakdown of that alleged indebtedness from his lawyer but, having been very good tenants who always paid the rent on time and not only took great care of the old property but also did a lot of unpaid work improving it over the course of our ten year residence, I am quite annoyed to be treated so meanly. Regardless of whether or not it transpires that I do, unwittingly, owe this man money I am wondering whether or not I might have a counter claim against him for the false representation of his lease and perhaps even be compensated for the ten years I spent paying for on street parking as well as putting up with the daily (often hourly) inconvenience of that.   If someone could advise me, I would be very grateful.   Thank you.  
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sunflower99

Just Recieved A Signed Capital One Agreement

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...pinned right up against the wall."

 

Yes, that is the way to do it:)

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They`ve eventually wrote about sending me somepne elses sars in the middle of mine then said it was a error to send 1 letter belonging someone else it wasn`t 1 letter!!! guess work on their part bet they have no idea what they have sent me but said that these things happen and said that they haven`t equally sent my sars to this other person said they hope I accept their explanation beggars belief doesn`t it

Edited by Laura Cooke

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That is a gross breach of the Data Protection Act and they can get a big fat fine for that. Make a complaint to the Information Commissioner - you will get the form you have to use on their website - and send the evidence.

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They sent me someone else's details too and I reported them to the ICO for DPA breach and their response was similar to "We will remind them of their DPA duties/smack on the hand":eek:

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They sent me someone else's details too and I reported them to the ICO for DPA breach and their response was similar to "We will remind them of their DPA duties/smack on the hand":eek:

 

 

Not at all suprised at the "So what" response off the ICO all these goverment regulators work hand in glove with each other they forget the are supposed to be looking after the consumers and not the creditors!!! same old story and a complete waste of tax payers money these regulators being set up in the first place to basically do bugger all:mad:

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Please bear in mind that these firms do not like being ticked off by the ICO and;

their actions are logged onto the ICO stats...

Edited by angry cat
spelling

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The ICO now has new powers to fine firms for breaches of the DPA up to £500,000. They recently gave both Ruthbridge and Hillesden Hell for searching my credit reports and Hillesden has been in plenty of trouble with them before. It is reported to the OFT and one sweet day a big player is going down - it isn't that far off. Yes, more could be done, but nothing will be done at all if we don't complain and the regulatary authorities aren't the only ones who just sit on their bumbeleerees and let them away with it.

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And what happens to HMRC they above the law as I understand it their data controller is exempt from action all offices should be dealt with the government ones should not be any different

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Hi,

 

Could someone please take a look at my thread; I would value some opinions on my "agreement" which I am certain has been fabricated (even though they have stated that it is a scanned copy of the original agreement). It is here:

 

http://www.consumeractiongroup.co.uk/forum/capital-one/257494-help-required-capital-one.html#post2910313

 

Thanks.

 

Colin


Here are links to my other threads... Please take a look and offer any help you can. Thanks...

 

1. Legal Action - Cabot Financial (Goldfish Account) ***WON***

http://www.consumeractiongroup.co.uk/forum/showthread.php?252630-Urgent-Help-Required-With-Disclosure-***WON***&highlight=

 

2. Legal Action - Set aside application - Marlins/Phoenix

http://www.consumeractiongroup.co.uk/forum/showthread.php?265002-Set-aside-of-judgement-(acceptance)-help-needed&highlight=

 

3. Legal Action - Set Aside Default Judgement -Santander (B & Q Store Card)

http://www.consumeractiongroup.co.uk/forum/showthread.php?261340-Urgent-Help-required-drafting-defence-for-set-aside-application&highlight

 

You can make a donation here:

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I have got that fedup with DCA thinking the law does not apply to them i now bill them for calling me ect

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Xx

Xx

Xx

xx

 

06th June 2008

Capital One Services Inc

Trent House

Station Street

Nottingham

NG2 3HX

 

CC: - Debitas Legal Services (trading name of capital one)

 

ACCOUNT NUMBER:

 

OFFICIAL COMPLAINT OF Harassment

 

 

Dear Sirs or Madam,

 

I am writing in relation to the Harassment from letters and Telephone calls from Debitas Legal Services ( trading name of Capital One Bank ).

 

•To this date on the letter I have received over 23 phone calls from Debitas Legal Services(trading name of Capital One Bank ), but I have verbal asked them over five times now to stop telephoning and requested communication in writing only.

 

Below I have listed parts of the letter that I deem to be harassment.

 

•All your letters keep stating to phone Debitas Legal Services(trading name of Capital One Bank ) when I have stated that I wish no contact via phone on five different phone calls from your company.

•Debitas Legal Services(trading name of Capital One Bank ) have stated in one letter that one of your agents will be calling at my home within the next seven days this was untrue and designed to panic and upset people and I deem this to be Harassment

 

 

 

I am of the view that Debitas Legal Services and Capital one continued harassment is in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.I have enclosed a invoice for the sum of £1,250 for the Harassment by Debitas Legal Services to date.

 

I will take legal action against Debitas Legal Services and Capital one if the Harassment continues

 

 

 

 

Yours faithfully,

 

 

xxxx

Edited by zonie
  • Haha 1

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Blimey I will wait to see the reply to that one, and maybe this is a new tatic we could use on them, send them an invoice everytime they call or write, then threaten them back with doorstep calls or Legal Proceedings....:roll::roll:


Keefy (:-)The "Moaner":rolleyes:)Boy

Prepared to take on anyone until I win...................

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keefyboy some of the replies are funny,but on a serious note

if you send a letter to stop calling and they do not stop a charge the £50 per text message or call

 

if any letters are misleading ect ect thats £100 per letter

 

i use there own letters and calls against them

i update the invoice if needed when replying to a letter to keep it current and add 8% per month if they do not pay.

and If i goes to court the invoice can be used in a counter claim or it is possible to take a DCA to court and even cca against a DCA and its also possible too ask a court for a INSOLVENCY ORDER AGAINST a DCA at the end of the day its just a business.

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Xx

Xx

Xx

xx

 

06th June 2008

Capital One Services Inc

Trent House

Station Street

Nottingham

NG2 3HX

 

CC: - Debitas Legal Services (trading name of capital one)

 

ACCOUNT NUMBER:

 

OFFICIAL COMPLAINT OF Harassment

 

 

Dear Sirs or Madam,

 

I am writing in relation to the Harassment from letters and Telephone calls from Debitas Legal Services ( trading name of Capital One Bank ).

 

•To this date on the letter I have received over 23 phone calls from Debitas Legal Services(trading name of Capital One Bank ), but I have verbal asked them over five times now to stop telephoning and requested communication in writing only.

 

Below I have listed parts of the letter that I deem to be harassment.

 

•All your letters keep stating to phone Debitas Legal Services(trading name of Capital One Bank ) when I have stated that I wish no contact via phone on five different phone calls from your company.

•Debitas Legal Services(trading name of Capital One Bank ) have stated in one letter that one of your agents will be calling at my home within the next seven days this was untrue and designed to panic and upset people and I deem this to be Harassment

 

 

 

I am of the view that Debitas Legal Services and Capital one continued harassment is in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.I have enclosed a invoice for the sum of £1,250 for the Harassment by Debitas Legal Services to date.

 

I will take legal action against Debitas Legal Services and Capital one if the Harassment continues

 

 

 

 

Yours faithfully,

 

 

xxxx

Lol! A great idea! Will be interesting to see crapital ones reply!:D


Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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Subbing since I've received the same excuse for a CCA in page 1!

Welcome to the Cag Crapital fan club Drederick Tatum!:D I hope you find my thread useful and a help in fighting them off!


Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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Blimey I will wait to see the reply to that one, and maybe this is a new tatic we could use on them, send them an invoice everytime they call or write, then threaten them back with doorstep calls or Legal Proceedings....:roll::roll:

 

I did exactly this with BOS. I gave them 2 days after receipt of my letter to ensure our number was taken off their system, and told them if we had calls after this date I would charge them at £5 a call, regardless of if I picked up or not (my version of 'valid even if not read by you':D)

 

After they carried on calling I duly sent an invoice for £40 odd, and they wrote back saying that as they had not signed a contract with OH (this was done on OH's behalf) allowing him to do this they did not need to pay. Funny that, seeing as he didn't sign a contract with them allowing them to request money from him either.

 

When I pointed this little gem out to them they went very quiet on the matter and the phone calls stopped:D

 

Peace and quiet - cost of a letter

Getting the bank to argue my point for me - priceless


Time flies like an arrow...

Fruit flies like a banana.

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Thank you for your letter, zonie, which I am sure could be used for other creditors apart from crapital one too. Lexis200, the tactic you used with the BOS also sounds extremely useful.

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Lexis200, the tactic you used with the BOSlink3.gif also sounds extremely useful.

 

Agree with that - seems to have put a spoke in their wheel

 

David

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Have to be honest, it wasn't a tactic - I didn't expect them to be dense enough to use my argument as a reason for them not to pay!!

 

It's nice to have that letter as back-up though in case they do decide to be a bit dozy and take OH to court.


Time flies like an arrow...

Fruit flies like a banana.

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I was getting calls from them, sent the harassment by telephone letter and they replied saying they have removed all of my numbers off their system.:)

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Gazza, I have started a thread of your own.. will send you a link in a few moments.


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