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    • Sorry to ask, but I know I had SB template on PC, but can't find it. Also any search for template\SB letter takes me back here.  Any help to get to SB letter would be appreciated. I know I used it on a car HP co that wouldn't honor my FCS refund and after 6 years came threatening ( or rather their DCA). Worked a treat. Thanks in advance
    • Received this letter today after all this time !! Doesn’t sound like just a threat any advice please  Thanks  Photo.pdf
    • Good evening. Hoping to keep this short and concise. Any help really appreciated! Sent originated from council tax in 2019.  I moved address for a new career 240miles away in December 2019 and have lived here ever since.  A distant friend resides at previous address.  A CCJ was filed regarding this debt in January 2020 but no correspondence was received my end or at the old address.  Move forward to this year; early April I learn of a letter received from Bailiff - Notice of Enforcement dated 13/03. Stated I had ten days to settle a payment/payment plan or £75 will be added after ten days from 13/03 and bailiff instructed to visit.  Obviously I was unaware of this letter till well after the time period passed. Attempted to contact Dukes via email but zero response. Asked for breathing space in order to check the original debt with the respective council (I wasn’t awarded a week of Housing despite being on UC for a short period due to a contract date given by the old employer).  29/04 a note was left at the old address stating a bailiff had visited. New balance £310 more than original outstanding.  I’ve since contacted both the council and the bailiff agent to state I’m more than happy to settle the original debt over a payment plan but at this stage they will not remove the fees despite all correspondence not being sent to me and obviously me only seeing them much later than one would have expected.  Tried live chat today with the company and firstly was told the fees will remain because I spoke to the enforcement agent - I have never spoken to him/her.  secondly told the fees would remain because “I tried to use their web chat service to complete an income form” - I have zero recollection of doing this and I also wonder if it’s another tactic? any help on where I stand with the fees added would be incredible. Thank you
    • the evidence you have from Mercedes is perfect. simply write to both the finance company and the dealership that sold you the car, stating under the consumer rights Act 2015 should a fault appear outside of 6mts, it's for the consumer to prove the fault was present at time of sale. Please find enclosed a copy of said report from Mercedes at XXXX stating quite clearly that the windscreen was replaced on Date , some xxx months/years BEFORE my purchase on DATE. there is a bill to pay of XXX to XXX , i expect you to sort this out between yourselves , i am not liable for this. something upon those lines anyway.  
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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.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

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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.

      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.

      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.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      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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The DCA catchphrases thread


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Cabot will not enter in to any further correspondence with you........

.....your account will be escalated in our collection process.

 

That's a cracker!

 

We are going to escalate your account in our collection process but errr, ummmmm, we arn't going to write any more?

 

David

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My favourite is still the "If you have been paying this debt to the Register of Debtors in England and Wales please pay us now instead..." from Robinson Way.. who shouldn't be using this phrase at all.

 

I also think Meritforce's idiotic text and SMS messages from XXX "Please call us on XXXXXXX to discuss ref XXXX or we will send someone round" as this debt is covered by a debt management plan they would look rather foolish if they "took further legal action" on it!

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A classic from Iqor.

 

Dodgy CCA sent with a letter saying the following....

 

We enclose a copy of your credit agreement. Please contact us at your earliest convenience with your repayment proposals. :rolleyes:

 

 

Debt Managers......

 

You may be entitled to a discount of 30% if you phone us and settle the account in full within 7 days.

 

Iqor again....

 

DO NOT IGNORE THIS LETTER. THIS DEBT WILL NOT GO AWAY

 

 

JB Debt Recovery....

 

You have ignored all previous correspondence

 

And last of all a classic from Bryan Carter...........

 

If you dispute liability for this debt please state your reason in writing, and supply us with documents in support of your defence to any claim. IF you fail to do this, we reserve the right to show a copy of this letter to the District Judge.

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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In a letter from Collect Direct re: Egg

 

"As we are sure you are aware, your agreement with with our client is fully enforceable and further requests for copies of your agreement or your claims of dispute will not be tolerated"

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I just love the "will not be tolerated" bit, what exactly do they intend doing if I ask again ! :D

 

Don't you just love it cosalt? You can almost imagine them going an apoplectic purple: "We can't have THIS, they're ARGUING with us, they're DISPUTING their debt and they're NOT LETTING US TALK TO THEM." This is INTOLERABLE!!! How can we BULLY them if we can't do that?"

 

Shame.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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One which has not been mentioned is the classic when you answer the phone to a DCA (haven't had any calls for a while) and they start by saying that the full balance is payable today and ask if you are going to give them a debit card number. Oh yes, I have 7k in my current account which I am going to squander by paying for a non-existent CCA which has been sold to you for £350, or perhaps less.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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I did a good one to CapQuest...

 

wrote them a cheque for £500 for an ancient HSBC debt and wrote in big letters on it 'WRITTEN UNDER DURESS' then cancelled it :p

THE PRETENDER AGENDA - August 30,2008 - 2ND ROW!!! WOO-HOO!! :-)

THANK YOU SO MUCH FOR A FAB NITE LEE! xx

Sunderland 011008 - THE BEST BIRTHDAY PRESSIE EVER! 'Aww, it's your birthday! Happy birthday darlin!'

 

02 Apr 2008, 23:55

OfficialLeeRyan wrote:

i like that!! its simple and good and gets the fans involved aswell x x x

 

MY SUCCESSES -

 

1st Credit (Lloyds TSB) admitted no CCA, reply from OFT 130608, reply from FOS 040608, adjudication stage rejected but still no contact....

 

My mate (Littlewoods/Moorcroft)

300608 -Long running battle,threatening court, CCA letter NO 2 and harrassment letter sent - passed back to Littlewoods early July.

070808 - Passed to Debt Managers, Acct in dispute/BOG OFF letter sent 080808...

140808 - Letter from Debt Managers passing debt back to Littlewoods - RESULT! :D

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I did a good one to CapQuest...

 

wrote them a cheque for £500 for an ancient HSBC debt and wrote in big letters on it 'WRITTEN UNDER DURESS' then cancelled it :p

 

Im surprised they didnt try to cash it.

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My favourite is when you tell them when they ring that the account is in dispute and now in the hands of the courts so you won't discuss it with them and they say,

 

"we'll just keep ringing until you do."

 

What do they expect us to say?

 

"Oh all right, here's my debit card, take all the money you want."

 

NO CHANCE Capital One.:D

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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Don't you just love it cosalt? You can almost imagine them going an apoplectic purple: "We can't have THIS, they're ARGUING with us, they're DISPUTING their debt and they're NOT LETTING US TALK TO THEM." This is INTOLERABLE!!! How can we BULLY them if we can't do that?"

 

Shame.

 

Fred

 

The next line is "EXTERMINATE!!!"

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Not a catchphrase, as such, but the funniest thing I've heard was a letter to DiskManDave which said:

 

DCA: "please don't phone us again, we will only deal with this in writing"

 

:D

 

Robinscum Wha? I think

Carpe Jugulum

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Another one from Wescot TELEMESSAGE Our enquiries have revealed that the telephone number listed for the above address is ex-directory and therefore we are unable to contact you by telephone followed 2 days later by a phone call to me to ask if I had received the telemessage.

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Babybear, that is so shocking. The Sunday Times are researching more stories and I am sure they would love to hear from you. The link was on the top of the page to Georgina someone. I'm sure one of the site team will give it to you.

 

I'm astonished how appalling these awful DCAs are, and I've been frightened to death, but that comment they made to you is beyond belief.

 

DD

 

Dunno why your shocked DD

 

ALL DCA's only employ knuckle dragging Neanderthals with peas for brains

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Dunno why your shocked DD

 

ALL DCA's only employ knuckle dragging Neanderthals with peas for brains

 

That's a real insult to peas. :D

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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