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    • doesn't say will anything. read it properly and carefully.   only the owner of a debt can get one of the many fake/tame paperwork only solicitors to issue any proceedings and they would have to abide by the courts pre action protocol of 30  days letter first!   as it's owner...i can try and instruct my dog to sit, if it does is a totally different matter. if my neighbour, who doesn't own my dog, tries it, it would ignore them.   the bottom line is there is nothing anyone can do to you. gyms don't do court gym debts don't appear on credit files.   any DCA they might get to write to you ARE NOT BAILIFFS any a DCA has ZERO legal powers on any debt, no matter what it's type.   dx    
    • This letter arrived in the post today, please advise how to proceed. I know the forums say they won't action but am very worried about this
    • go save his bacon clint and put him right...   dx  
    • one multipage pdf only please read our upload guide carefully please   dx
    • Good to hear from you, London, I was wondering how you were getting on.   Take care.  
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
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      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
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      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
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MBNA sold to Experto - no CCA


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Hi LB145,

looks like Exspurto won't be getting a Christmas Party then.

 

The point is though if they were so cock sure why the hell didn't they take proceedings earlier? Why settle for £8K why not go for the lot?

 

Did they mention a Statutory demand?

 

Did you tape the call to EC that would be funny?

 

Pumpytums

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Hi Pumpy

 

Received text from EC today "End of month - goods deals - call this number"

Halifax Card (OH) -2.9% reinstated - Sucess!

Santander/House of Fraser (1) PPI Refund plus 8% plus LOC

Santander/House of Fraser (2) PPI Refunded plus 8% plus LOC

Penalty Charge Notice - Representation accepted and PN cancelled - £120

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Phone just rang - EC number came up on screen - man introduced himself from CMC - asked him if he was sure of that as this number is listed as EC! He agitatedly informed me that CMC is another name for Experto Credite!!! He then went into his speech of you have agreed to a settlement of £8k - I interrupted and told him to read the up to date letters - He then started to shout at me as to why I thought a settlement of £4k was acceptable when the balance was £19k - if he read the content of the letter he would know that I have taken legal advice and my solicitor is on standby - pressed the red button on phone and all went silent!!! :lol:

Halifax Card (OH) -2.9% reinstated - Sucess!

Santander/House of Fraser (1) PPI Refund plus 8% plus LOC

Santander/House of Fraser (2) PPI Refunded plus 8% plus LOC

Penalty Charge Notice - Representation accepted and PN cancelled - £120

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Very nice LB,

you should have said £4k is more than fair because you probably paid £2k for it in the first place.

 

They are so amusing, I just wish they would read the letters they are sent. You should record them and post it on youtube give us all a laugh :)

 

 

One more thing do you think in numpty land C*C is supposed to sound intimidating.

 

For a laugh read their site.

 

http://www.cmcdebtrecovery.co.uk/

 

I love the bit:

 

"At C*C, we do not just attempt to collect debt through the usual methods of telephone and letter. If ignored, we do not stop our action and close our file."

 

We phone you up and shout. Please nooo stop your scaring me with your ineptitude and juvenile banter.

 

 

"If a debt is collectable – we’ll collect it."

 

Apparently they collect Statute barred debts too. So that sums them up then.

 

"All our staff possess a thorough understanding of regulatory guidelines and debt recovery law. They adopt the best debt collection practices and are able to assess individual circumstances to determine the quickest, most cost effective way to recover the amount owed."

 

So that includes ignoring letters asking not to be called does it. Issuing Statutory demands for a disputed debt etc.

 

Clown Party

 

 

Pumpytums

Edited by pumpytums
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Phone just rang - EC number came up on screen - man introduced himself from CMC - asked him if he was sure of that as this number is listed as EC! He agitatedly informed me that CMC is another name for Experto Credite!!! He then went into his speech of you have agreed to a settlement of £8k - I interrupted and told him to read the up to date letters - He then started to shout at me as to why I thought a settlement of £4k was acceptable when the balance was £19k - if he read the content of the letter he would know that I have taken legal advice and my solicitor is on standby - pressed the red button on phone and all went silent!!! :lol:

 

Did he give his name? Id start recording their phone calls if they are going to start shouting at you.

Curious to know how they collect on Statute barred alleged debts? Id guess by intimidation and threatograms.

My Posts exist exclusively to assist me in preparing litigation against another party.

As such, it is almost certainly protected by litigation privilege.

 

The legal requirements for claiming litigation privilege are well established and are not in dispute.

Communication between a solicitor, or the client, or a third party will be protected by litigation privilege where the communications are for the dominent purpose of obtaining legal advice in connection with, or conducting litigation in prospect: Re: "Highgate Traders Limited (1984)"BCLC 151.

 

Copyright Information: All information contained in this website , Associated websites, and Forum posts are Copyright "Reclaim The Right Ltd". If you wish to use the information on this site for publication elsewhere then please email the administrator for permission.

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  • 2 weeks later...

LB145 I hope your no win no fee solicitor is better than mine...they lost the easiest case for me to MBNA - defective default notice and an application form parading as an agreement...

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I may be well off the mark, but I get the impression from the last few days on here, that maybe the judges have been ''instructed'' from a power above to start finding against us, whatever the ''evidence''.

 

BF

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Basil, that's exactly what I was thinking - it does seem so the way things are going. LB145 - how is your No Win No Fee solicitor working out? If you can recommend them, I'd really appreciate a pm. Many thanks, Pru

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Been really busy lately and have not been receiving updates on threads! Well had another call this week from Experto - told her that her colleague also rang last week and was most irritated and rather loud! She asked if I was making payment - informed her of the last letter to her colleague and to read the contents but I will give her quick catch up - faulty DN notice followed by sale of alleged debt to Varde Investments 8 days prior to remedy date - therefore if it went to court they would not be entitled to very much at all if anything - if we agreed a F&F it would be for £4k or nothing bearing this in mind - as solicitors on standby.

 

She told me no and that was the end of conversation - probably as its the last week of the month there will be more this week - they always try to reach their targets!:lol:

Halifax Card (OH) -2.9% reinstated - Sucess!

Santander/House of Fraser (1) PPI Refund plus 8% plus LOC

Santander/House of Fraser (2) PPI Refunded plus 8% plus LOC

Penalty Charge Notice - Representation accepted and PN cancelled - £120

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You are right..... roll on the texts, phone calls and Halloween offers

Edited by GeoffreyAlby

My Posts exist exclusively to assist me in preparing litigation against another party.

As such, it is almost certainly protected by litigation privilege.

 

The legal requirements for claiming litigation privilege are well established and are not in dispute.

Communication between a solicitor, or the client, or a third party will be protected by litigation privilege where the communications are for the dominent purpose of obtaining legal advice in connection with, or conducting litigation in prospect: Re: "Highgate Traders Limited (1984)"BCLC 151.

 

Copyright Information: All information contained in this website , Associated websites, and Forum posts are Copyright "Reclaim The Right Ltd". If you wish to use the information on this site for publication elsewhere then please email the administrator for permission.

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I cant wait to let them know that MBNA have just sent me a letter stating that they cannot find the original agreement, and until they can they will not take any court action. EC will not be best pleased at what they've bought....thats apart from the invalid DN like yours!

 

BF

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Sorry to hear that Redfish.....any details as to why?

 

BF

 

I found out that the envelopes with the DN had got mixed up (not sure if it was our mix up or the solicitors) and instead of having the Chester address on the back had a Northampton address. So my solicitors decided not to go to trial on that because the MBNA Witness Statement was claiming MBNA never send out DNs 2nd class! I think there is a higher court case coming up near Christmas which may show that MBNA do actually send out DNs 2nd class...

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I found out that the envelopes with the DN had got mixed up (not sure if it was our mix up or the solicitors) and instead of having the Chester address on the back had a Northampton address. So my solicitors decided not to go to trial on that because the MBNA Witness Statement was claiming MBNA never send out DNs 2nd class! I think there is a higher court case coming up near Christmas which may show that MBNA do actually send out DNs 2nd class...

 

My DN's from them have been sent out 2nd class, so they are obviously lying if they say that.

 

BF

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My DN's from them have been sent out 2nd class, so they are obviously lying if they say that.

 

BF

 

Basil, could you check on the back of your envelope and tell me the address?

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Basil, could you check on the back of your envelope and tell me the address?

 

No probs......it was sent by UKMail with a big ''S'' on it. On the back the address is:

PO Box 1004

Chester Business Park

Chester

CH4 9WW

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No probs......it was sent by UKMail with a big ''S'' on it. On the back the address is:

PO Box 1004

Chester Business Park

Chester

CH4 9WW

 

Cheers Basil...let's see what my solicitor says about that!

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Receiving texts on my mobile and phone calls to my home number - not received a single letter of acknowledgement for my CCA request! Should I send further letter, refer to Ombudsmen or sit and wait? (not very good at the waiting part :rolleyes: )

 

You need to make them aware that continued contact in this manner is a crime and you will report them to the authorities under the "Harrassment Act 1997" punishable by a term of imprisonment and/or a fine (£5000?). The statute says "no more than two phone calls"

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Its the last week of the month so they will harrass in an effort to reach their monthly targets.....

My Posts exist exclusively to assist me in preparing litigation against another party.

As such, it is almost certainly protected by litigation privilege.

 

The legal requirements for claiming litigation privilege are well established and are not in dispute.

Communication between a solicitor, or the client, or a third party will be protected by litigation privilege where the communications are for the dominent purpose of obtaining legal advice in connection with, or conducting litigation in prospect: Re: "Highgate Traders Limited (1984)"BCLC 151.

 

Copyright Information: All information contained in this website , Associated websites, and Forum posts are Copyright "Reclaim The Right Ltd". If you wish to use the information on this site for publication elsewhere then please email the administrator for permission.

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Well the texts came, the phone calls started - three different Experto employees each losing their cool threatening court action etc. Explained that offer was for £4k F&F - told not acceptable by Experto - Fourth Employe rang up calmly and asked me why I would not pay previously agreed £8k - so explained the situation again - was not happy with the partial settlement and that the wording on the letter from Experto was inaccurate and utter rubbish, so lets go to court!

 

Within 2 minutes an Experto Underwriter called and agreed that the Experto wording was wrong and that they could inform credit agencies that the debt had been settled - £4K was too low and £6k was acceptable with settled on file. OH decided to settle at 30% - the courts seem to be such a gamble on Judge lottery - at least another one ticked off the list!

Edited by LB145

Halifax Card (OH) -2.9% reinstated - Sucess!

Santander/House of Fraser (1) PPI Refund plus 8% plus LOC

Santander/House of Fraser (2) PPI Refunded plus 8% plus LOC

Penalty Charge Notice - Representation accepted and PN cancelled - £120

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