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    • Is the letter headed Letter of Claim/before Claim or similar? If not, it sounds like more of the threatogram chain. If you're not sure, post up an anonymised copy of the letter and we'll check. HB
    • So guess what, we have received a final demand letter for £100. It states if payment is not made by 11/06 they will have no option but to forward the case to their litigation dept with a view to commence County Court Proceedings. So just wondering if anyone has any advice. Do we ignore this? or do we need to take action? Thanks 
    • hi dx, thanks for helping just re-reading everything this morning and I must have missed this one from uncle in his thread "What you should not do, is not contact the Banks and simply default on payments. "  are you in disagreement with this based on your last sentence?
    • Thanks for the reply and clarification, that might just explain why in my case contact has pretty much ceased. Though with such companies it doesn't mean they won't ever threaten to return to court as a tool to force one's hand if they feel they are not self informed on their chances etc.  But concerning how last year they tried to use the CCJ to get a charging order and the court granted an intirum order on our mortgage using the CCJ that would have been a good 2-3 months beyond the 6 years, should the court not have checked the age of the CCJ in the first case or would they always grant an interim order simply off the back of a CCJ being produced without even checking the age of it?.  Had I not defended that action at the time they may well have got a default using a CCJ older than 6 years which could be a concern going forwards. At the time when I contacted the court to question the paperwork for a final order application the clerk suggested people don't get informed when companies apply for interim charging orders, they are automatic if a claimant has a CCJ and people only get contacted once a date for a final order application goes through. kind of begs the question if such companies can continue a seemingly backdoor method to attempt default action if un-defended if the initial application doesn't need to check the age of a CCJ?.
    • Hello!  Wondering if someone can help with this.  I suspect not but worth a go.  I appreciate the "contract is with the seller" line, which is what Evri has fed me but wanted to see if someone with experience in these things could suggest anything else I could do here.  I appreciate there are many topics about lost parcels - My parcels weren't lost, until the driver walked up to my door with them and then decided to make them lost/stolen... I'll summarise what has happened.  Wednesday of last week - Evri delivery driver stole / walked off with 3 of my parcels.  -  Arrived outside my properly, took photos (3 separate photos as its 3 separate deliveries) of the tops of the parcels (pointlessly zoomed in on just the labels, couldn't see anything else, other than a small piece of the pavement and a little weed, which doubly confirms it was outside my door as I can see the same plant), marked the order as delivered and walked off with them.  He's marked on the Evri GPS marked that he was outside.   -  3 different deliveries, from the same company (same boxes etc.), but 3 separate tracking numbers. -  Went through the Evri bot which opened a case on each tracking number.  I then phoned them and left a voicemail explaining what had happened. -  24 hours later had a canned response asking me if the packages had turned up and to check around etc..  I responded explaining again what happened and that they've definitely been taken. -  4 days later,  this morning, I get a response telling me to ask the merchant to refund me. I've responded to this message with a long email, repeating what I said, that I believe the driver has stolen these packages and that he took those suspicious top down shots of the packages, marked them as delivered without ringing or knocking etc.  I've said that I expect them to investigate further, but I gather they won't. In my several messages to them initially and later, I told them I don't care about a refund and wanted the parcels.  They contain some sentimental stuff, nothing of high monetary value, hence me going to this trouble.  I only paid £25 for the contents. I did contact the merchant when this first happened and they asked me to wait a few days.  They ended up refunding me despite me asking them not to and that I wanted them to escalate it with Evri because this appears to be a case of theft.  They didn't seem bothered - Refunded me and told me to go back to Evri and escalate it with them? So - Is there any way to compel Evri to conduct a proper investigation with this driver?  Search for my parcels? I have quite a lot of deliveries handled by Evri (not out of choice) - They used to have a fantastic chap and I rarely had any issues.  He has been replaced by a new guy and I believe the route is handled by this same guy who I believe has taken my packages.  Naturally, I fear this is going to happen again in the future if no investigation occurs. Appreciate any assistance - Thanks for reading. Al.  
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Sky [barclaycard] - Default Notice/Termination of account


johno23
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sound thanks,

 

just waiting now till they pass the debt to a CRA then offer a F&F of arrears I think of £400.

 

As they have also sent me a dosgy DN highlighted in earlier posts on this thread.

 

many thanks

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johno, my skycard dn was sent on exactly the same day and has the same faults ;) I did keep my envelope and having checked with tnt it was sent through their second class system so no doubt yours was aswell :) Mine is now in the hands of wescot who have gone very quiet since I told them the account was in dispute with skycard as the agreement in unenforceable. Rainbow x

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  • 4 weeks later...

Hi there.

 

I asked A solicitor to write to skycard to explain that I have been requesting on many occassions for a valid agreement. They continue to send the same unenforceable application form and i have posted up skycard's reply for all to see and make comment!

 

Just to inform you about my earlier posts, they have sent an invalid default notice and termination letter and many threatening letters that it will be sent to a debt collection agency, so still waiting.

 

Please not the gaps are mainly my name!

 

img028.jpg

 

 

 

 

img029.jpg

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Hi there.

 

I asked A solicitor to write to skycard to explain that I have been requesting on many occassions for a valid agreement. They continue to send the same unenforceable application form and i have posted up skycard's reply for all to see and make comment!

 

Just to inform you about my earlier posts, they have sent an invalid default notice and termination letter and many threatening letters that it will be sent to a debt collection agency, so still waiting.

 

Please not the gaps are mainly my name!

 

 

Hi Johno, what did they send exactly in relation to this s78, was it just the single page scan of the application or were there supposedly terms that were on the back?

 

Prescribed terms must be on the form with your and their signature, they cannot be referred to in a different document. Are they claiming they were on the back of the application?

 

S.

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Hi Shadow.

 

I have attached a copy of the Terms & conditions they sent, they have not confirmed in any way they are from the same document. I am not sure but wondering why they is not a signature at the end of the terms & conditions if it was one document.

 

I also have an invlaid default as well. Hope this helps to comment further!

 

Many Thanks

 

img030.jpg

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Well as it stands they have sent you a duff DN a dodgy CCA & they've terminated so you've got an absolute defence if they tried for CCJ. You can do one of two things, go the CPR 31.16 route why you shouldnt use section 77/78 CCA 1974 if you want the signed agreement - The Consumer Forums or ignore them until they start again.

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  • 3 weeks later...

Today I received an offer from Skycard that I can settle the account in full if I pay 60%, so obviously they must know that have messed up with an unenforceable credit agreement.

 

Still waiting for the debt to be sold then willing to offer 10% as a full and final offer providing they remove the default from my credit file as it is a dodgy DN as well.

 

What do you all think!

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Today I received an offer from Skycard that I can settle the account in full if I pay 60%, so obviously they must know that have messed up with an unenforceable credit agreement.

 

Still waiting for the debt to be sold then willing to offer 10% as a full and final offer providing they remove the default from my credit file as it is a dodgy DN as well.

 

What do you all think!

 

If you can handle the default then yep stay strong and wait for it to be sold, from that offer alone you know you are in a stronger position imho.

 

If you do take the offer, ensure it is in full and final and that the debt wont be sold on to anyone else is indicated in the offer before accepting.

 

S.

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  • 4 weeks later...

Received a letter from skycard today saying that Skycard have took the decision from Barclaycard to no longer offer a Skycard.

 

Your account has been transferred to Barclaycard and our collections team will continue to manage your account.

 

Your first Barclaycard statement will show a new account number.

 

Can anyone advise

 

thanks

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I had the same letter on Saturday telling me my skycard will now be under barclaycard and have a different account number. My account had been passed to wescot, they sent me a letter saying they were sending it back to skycard after I told them a/c was in dispute re no cca. I have not had any letter for months back from Skycard other than they sent me a statement last week with another truck load of interest/charges added :mad: Rainbow x

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Ok i sent a letter off to sky card requesting that they respond to me in writing only and certainly not to contact me at work as it is a sensitive number.

Sky card ignore my request and keep trying to contact me at work which as you can imagine becomes very personal and embarrassing.

my local police officer is willing to write to sky card to inform them not to contact me at work.

He tried to phone them but they cannot speak with regards to data protection.

has anyone any advice about what should or should not be on the letter to sky card from the police.

i do not want to provide sky card with any information that i should not be giving them.

many thanks

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  • 3 weeks later...

Ok

 

I sent sky card a letter stating not to contact me at work and that i have made an official complaint to the police about their continued harrassment by telephone, showing evidence of previous letters i have sent also highlighting this.

 

Amazingly I have received an apology letter from sky card saying they will not contact me via telephone but that they may visit me at my home address and that I cannot stop them from doing this.

 

Woopedoo come and visit me, at least you are not ringing my work or home!!

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Cheers cerbs

 

I also included that information in the complaint letter and that was their response that they would not contact me by phone, but I was wrong that they were allowed to visit me at my home address.

 

I know they are blowing hot wind, i am just happy they not ringing work no longer.

 

They can bring it on visit my home address, i have my local police officer's mobile number and he is aware of their threats.

 

thanks

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Very few DCAS’s actually do doorstep visits. I have had loads of DCA’s and never a visit.

Robinson Way told me on the phone that a doorstep collector had been “what a shame I was out” was my reply, anyway I think he would of left a card.

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  • 1 month later...
  • 5 months later...

Just an up date.

 

account has now been passed to moorcroft after not hearing anything for quite a while.

 

Just sent letter of to moorcroft informing them that the account is in dispute with skycard

 

threatening court action, so let's see how they respond

 

Johno

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