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    • Interesting. Thanks for that London.  That’s what I’m gathering.     iv no doubt they would send me fake documents but would they really dare present fake documents to a court of law?
    • Thank you very much for your letter in regard to the above mentioned shipment.  Due to the high volume of parcels coursing through the courier network each day, undergoing continuous processing and handling, certain packages may experience delays or even can get lost in the course of this journey. Please note that due to the time that has passed, this shipment has been declared as lost.  I have today processed the claim and made offers to the value of £75 as a goodwill gesture without prejudice. I do acknowledge that you have mentioned in your letter that the value was higher, however, you did not take out any protection to that amount. The protection for this shipment was £20 and we will not be increasing our goodwill offer any further.    Please log into your account online in order to accept our offer. Once accepted, our accounts department will process the claim accordingly. The claim payment will be processed and received within 7 working days.                                  In addition, a refund of the carriage fee will be processed as a separate payment and will be received within 3 working days.  If I can further assist, please feel free to contact me.   I have also just noticed that yesterday afternoon they sent me an email stating that "after my request" they have refunded the cost of shipping. I did not request the refund so will mention that in my letter as well.
    • Hi I had to leave Dubai back in 2011, during the financial crisis. And only now have I received a letter from IDRWW. Is this anything to worry about about as I have 2 years left until it’s been 15 years(statute barred in Dubai). Worried as just got a mortgage 2 years ago. Could they force me in to bankruptcy? Red lots of different threads on here. And unsure what true and what isn’t. 
    • Not that TOR will see this now he's thrown in the hand grenade. Rayner has plenty of female supporters on X, for a start. As for the council and HMRC, fair enough and I thought Rayner was already in touch with them. That's where it should be dealt with, not the police force. @tobyjugg2 Daniel Finkelstein thinks the same as you about tax. The Fiver theory. How the Fiver Theory explains this election campaign ARCHIVE.PH archived 28 May 2024 17:36:51 UTC  
    • Often with the Likes of Lowells/ Overdales that 'proof' doesn't stand up to scrutiny.   Think about it like a game of poker, they want to intimidate you into folding and giving up as soon as possible, and just get you to pay up and roll over, that is their business model, make you think your cards are rubbish. What they don't expect, and their business isn't set up for it, is for a defendant to find this place and to learn that they have an amazing set of cards to play. Overdales don't have an infinite number of lawyers, paralegals etc, and the time / money to spend on expensive court cases, that they are highly likely to lose, hence how hard they will try to get you to roll over.  Even to the extent of faking documents, which they need to do because the debts that they purchased were so cheap, in the first place. Nevertheless it works in most cases, most people chicken out, when they are so close to winning, and a holding defence is like slowly showing Overdales your first card, and a marker of intention that this could get tricky for them. In fact it may be,  although by no means guaranteed that it won't even go any further than that.  Even if it does, what they send you back will almost certainly have more holes than Swiss Cheese, and if with the help you receive here, you can identify those weaknesses and get the whole thing tossed in the bin.
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Is this Mint/RBS Advanta CCA enforceable?


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  • 4 weeks later...
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Yep i have, soz bin so busy looking for a lil pup:D#

 

back to triton who think the letter thaat I received from mint earlier in my thread satisfies all the letters I sent:rolleyes:

 

 

Emm you are still in default of my s.78 request along with everything else!

 

ok peeps whats shall I fire off to them as this is becoming a blerdy joke!!!!!!!!

 

TRITON-23rdmarch-1.jpg

Edited by millymollymoo
oops left my name!!!!

CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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Hiya Car:D

 

Yep they must think i am a numpty or something and am unable to think they are one and the same!!!

 

 

So any suggestions as to what I can fire off in a letter short and sweet.

 

 

Milly XXx

CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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SAR them. Sorry MMM, I can't remember if you have already or not.

 

Make sure you send the 'cover everything' letter, then sit back and relax while they mess it up in that wonderful RBS style we all know and love!

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Ok I have put this together from letters found on the site and personalised it. Could you scan over and take out any unnecessary bits:)

 

Dear Sirs,

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY

I write in response to your letter dated 23rd April received on the 29th April and duly note its contents.

 

Your letter is incorrect and frivolous, you are fully aware of legally valid reasons why no payment has been made on this account, that a LEGIBLE true copy of agreement which underpins this account has not been supplied along with the historic terms and conditions referred to within the document and statement of account with total payments made, despite several perfectly valid legal requests of which your client has failed to comply with and this account is now in serious dispute as I am unable to establish if I have any liability to them and furthermore I draw your attention to - Consumer Credit (Cancellation Notices and Copies of Documents)Regulations 1983 (SI 1983/1557)

 

2 Legibility of notices and copy documents and wording of prescribed Forms

 

(1) The lettering in every notice in a Form prescribed by these Regulations and in every copy of an executed agreement, security instrument or other document referred to in the Act and delivered or sent to a debtor, hirer or surety under any provision of the Act shall, apart from any signature, be easily legible and of a colour which is readily

distinguishable from the .

 

(2) The wording of any Form prescribed by these Regulations shall be reproduced in copies of unexecuted or executed agreements or in Notices of Cancellation Rights sent [by an appropriate method] under section 64(1)(b) or (2) of the Act without any alteration or addition, except that--

(a) the creditor or owner may enter the name and address of the debtor or hirer in any Cancellation Form prescribed

by these Regulations; and

(b) every Form shall be completed in accordance with any footnote.

(3) Any such footnote shall not be treated as part of any Form prescribed by these Regulations and may be reproduced

in addition to any such Form.

(4) Where any such footnote requires any words to be omitted, those words shall be omitted or deleted.

 

Therefore the agreement as outlined in section 65 (1) Consumer Credit Act must be laid before the court to be granted an enforcement order before any further action can be taken.

Notwithstanding, your client and your company have failed to respond to any letters that I have sent on XXXXXXXX 2008, two letters dated XXXXXX 2009, whereas I have been proactive in answering any letters I have received, even when they bore no answers to my valid complaint. Your clients letter of 4th April 2009 bears no relation as an acceptable response to my letter dated XX March 2009, as this was a Civil Procedure Rules letter and had no mention of a Section 10 notice that your client refers to in my letter. It would be advisable considering the legal issues, to actually read the letters that you are sent before sending out standard template responses that your client might believe is satisfactorily in answering any important issues.

I have also repeatedly asked your company for a Notice of Assignment and to provide proof that you hold a Consumer Credit license as is necessary when asking for money to be paid on an alleged debt and you have failed to provide either along with any receipt to date of my payment to you on XX November 2008.

 

I will also bring to your attention the Banking Code (Section 13.6) states: We may give information to Credit Reference Agencies about the personal debts you owe us if:

 You have fallen behind with your payments,

 The amount owed is not in dispute; and

 You have not made proposals we are satisfied with for repaying your debt, following our formal demand.

Furthermore, I would also like to make you aware of The Office of Fair Trading Code of Guidance in which it states: putting pressure on debtors or third parties is considered to be oppressive, when you or your clients have been notified in writing that there is reasonable cause that the alleged debt is in dispute especially when the person in question is vulnerable, and your clients are well aware of my life threatening condition, has led to a debt collection agency having action taken against them by the Office of Fair Trading and it is facing a substantial fine. This includes ignoring disputes about whether money is owed and refusing to freeze action if the debt is in dispute therefore I suggest that you pass it back to your client or I will have no option whilst it is clearly in dispute in reporting this matter to the Banking Code Standards Board, The Office Of Fair Trading, Trading Standards and my local MP.

It is my view that the court would not grant such an enforcement order due to the deficiencies that I have outlined. Therefore, I commend Royal Bank of Scotland and your company Triton Credit Services genuine attempt to resolve a serious dispute by you putting your case before a Judge where as well as your client’s non-compliance with The Consumer Credit Act, 1974, and total disregard for, both the banking code and OFT guidelines, will have the opportunity to be looked at.

I trust this outlines my position clearly enough for you.

CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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  • 1 month later...

Okey Dokey ! They completed ignored my letter and have passed it on to Newmans DCA now:rolleyes:.

 

Here we go again, no notice of assignment and have received the next round of Dear Sir/Madam letters.

 

1st (i ignored) headed URGENT sent 2nd class,

2nd (sent 2nd class and needing an answer in 5 days) NOTICE OF INTENTION TO RECOVE DEBT stating :

 

Dear Sir/Madam,

TAKE NOTICE we are instructed to commence COURT PROCEDDINGS for recovery of the above amount.

TAKE FURTHER NOTICE that this can be avoided if we hear from you within 5 DAYS from the postmark date (emmmmm..... sent 2nd class !!!! yeh u numpties!)

 

If you have made payment, you must contact this office IMMEDIATELY with the full details to avoid any further action.

 

signed

 

MR NUMPTY

 

..................................................................

 

Bemused letter or CPR???

 

Milly XX

CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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Bemused letter or CPR???

 

Neither, I would say, as this is getting silly now.

 

I'd send a copy of everything that you've sent to all parties about this already to this new DCA and invite them to return the debt to the OC, pointing out that other DCA's have come before them and failed already. Also include the protection from harassment notices for this new DCA.

 

Copy all that, (including copies of the copies ;)) to the OC and state you are making a formal complaint about their conduct and require their response to it before you escalate to the OFT/TS, etc, etc...

 

Sometimes, playing ball by using templates over and over again has to be put aside and you have to dig your heels in a little. I feel you're at this point...

 

IMHO :p

 

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Hiya Car:)

 

I agree its rediculous I invited them to take me to court and they wouldnt do it and why is that. I think we all know why....

 

You see they can't reproduce the rubbish agreemnent they 'recreated, in court can they..............;)

 

if they were so sure thay would of whacked me right between the eyeballs with the TRUE copy.... of course the 'cannot' part would then be there wouldnt it.....;)

 

 

 

Milly XX

CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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Agreed. But it's now time to have some "fun" with anyone that tries to collect on this account and bring the OP to account for their failings. If you don't, you'll just feel like your living groundhog day, with a new DCA popping up thinking they can recover the debt.

 

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Hi Milly,

 

Write to RBS, recorded delivery, headed 'account in dispute', list all of the stupid things they have/haven't done and point out to them they're in default and can't forward you details to DCA. CC the letter to newmans (stick a covering letter in with that if you fancy).

 

Fire a complaint to ICO online if you haven't already (or send a follow up with a copy of your newmans letter if you have)

 

D79

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  • 3 months later...

Hi, read this thread with interest as I have an identical 'agreement' from the same period. Been quiet for some time now and I was curious as to what's happened since? Tried a PM to the OP but mailbox is full. Thanks.

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Hi Milly, I was wondering if you have an update regarding this thread, I have just had a letter from Green's Solicitors so have been getting some back ground from your thread, hope you don't mind.

 

Reader

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  • 7 months later...

hi all sorry I've been away along time, not been too well unfortunately.

 

As for an update well its been kinda quiet for a long while and them up pops yet another DCA - Westcott, then Credit Security, then Westcott again, thats basically where I'm at....

CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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  • 2 weeks later...

hiya milly

 

sorry to hear you not been well, hoping you are feeling brighter now

 

keep positive catch up soon laters angel x:)

Im happy to help with support and my own thoughts, but 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.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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  • 2 weeks later...
hi all sorry I've been away along time, not been too well unfortunately.

 

As for an update well its been kinda quiet for a long while and them up pops yet another DCA - Westcott, then Credit Security, then Westcott again, thats basically where I'm at....

 

 

Take care Milly and good luck with the DCA's

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