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    • So I am now in receipt of a second Letter of Claim this time from DCBL although their letter head now says " DCBLegal"  😱 Now I'm guessing one response to a letter of claim is sufficient and I could ignore this but having been inspired by other snotty letters I wanted to have another bash at one. How does this sound? Dear Lackeys of Company with Unconscionable Morals, Thank you ever so much for gracing me with yet another Letter Before Claim on behalf of Excel Parking Services. How many of these delightful missives do you plan on sending before you muster the courage to follow through on your threats to take me to court? Just so we're clear, here is the response (in italics by that I mean the slanted text below) I previously sent to Excel’s Letter Before Claim, in case your attention to detail is as lacking as I suspect: I am currently 2-0 up in terms of Small Claims Court proceedings and I look forward to the opportunity to claim a hat trick, this case being more straightforward than my previous two. I will be asking the court for an unreasonable costs order under CPR 27.14(2)(g) due to your conduct over this absurd claim. Despite my best efforts, you continue to assert that I have breached your terms. However, I cannot breach terms that I was not present to accept. Have you even read my initial response? I suggest you review it thoroughly and save yourself some money. Additionally, please refer to section 13 of the IPC Code of Practice, 2023 edition. I eagerly await your deafening silence. Remarkably, I haven't heard a peep from Excel since my response; instead, they've passed the baton to you to perform this tiresome routine once more. Consider this my official notice that I am sending a cease and desist letter to Excel Parking Services. Their relentless hounding has crossed the line into clear harassment. Any further demands for payment from you, as Excel's lackeys, will be regarded as nothing more than shameless acts of intimidation and harassment. I now look forward to the deafening sound of your silence. Yours sincerely,
    • Personally I'd go to it and object for the sake of it. They have to attend anyway so I can't see you being liable for any costs or anything (if they try to ask for attendance costs, just say that firstly it is their application, secondly it is from their own making, thirdly that they would have to come anyway so you shouldn't need to bear their costs.   When you turn up you should object on the basis that the witness has been in office since the time of the order, and could have done their witnes statement in advance of their AL. Their poor planning is not your fault, 7 days is too rushed for you as a LIP and there is no good reason that a company can't organise itself to sort WX in time. Also they say finalise so they already have something, its not like thye have nothing. Their amendments cannot be so important if they are being added so late.   see what @AndyOrch says but that's my thoughts  
    • Yes, in the main your understanding of my case is right. Linked below to the post with the final WS sent to the court and to Evri.   
    • Hello, welcome to CAG. As you say, appealing this ticket doesn't help as these people hardly ever accept appeals. They don't care how difficult someone's life is, they just want the money. The forum guys should be along later with thoughts for you on how to deal with this. Best, HB
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Alchemy Ltd, Moorcroft, Capquest, Scottcall.


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Hi To All

 

Just a quickie here...who the hell are the above???

 

Got letter from Moorcroft ( o h debt ) pre- court division..intended litigation???

 

Capquest sent letter in April ( letter before action).then got letter in May from Scottcall (doorstop collection notice), then in June got one from Cap 1 saying that acc is not now being dealt with by any DCA..?

 

(Did not know about this one) My missus got in touch with Alchemy organisation Ltd re ppi on a loan from Lloyds TSB, she has recieved 2 letters from TSB saying they are still dealing with ( her/Alchemy's request) and that they will be in touch soon, and if she is not happy then go to ombudsman?.

 

Oh and I have just found in my old paperwork details of hp I took out with Currys for some electrical goods a few yr ago, can I act on this to see if it was written up correctly?.

 

 

 

Can you give me any advice on the above please.

 

Thank you

 

Mr W

Regards..Mr Worried :)

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the above are all dca's

you know those companies that try and conyou out of money you don't owe them...........

 

trying to understand what it is you wanthelp with.

 

as for the currys loan, is it paid off yet? little point other than charges/ppi if it is?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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the above are all dca's

you know those companies that try and conyou out of money you don't owe them...........

 

trying to understand what it is you wanthelp with.

 

as for the currys loan, is it paid off yet? little point other than charges/ppi if it is?

 

dx

Thanks for the reply dx, the help I am after is do I cca/sar the companies that they are acting for? and when does an account become in dispute? and do I stop paying when it is in dipute?

 

Thanks

Regards..Mr Worried :)

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an a/c becomes in dispute when you query the balance ie for charges or ppi.

an a/c becomes unenforcable if the cca request is not met within 14 working days & remains so until a valid cca appears. at this point, it is when you can stop payments and seek a very low f&f offer.

 

as for the cca request, that is fired off to the dca typically, as for sar it is to the original oc.

 

hth

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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an a/c becomes in dispute when you query the balance ie for charges or ppi.

an a/c becomes unenforcable if the cca request is not met within 14 working days & remains so until a valid cca appears. at this point, it is when you can stop payments and seek a very low f&f offer.

 

as for the cca request, that is fired off to the dca typically, as for sar it is to the original oc.

 

hth

 

dx

Thanks for the reply

 

What is oc..? ( original creditor?)

Regards..Mr Worried :)

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one step at a time?

let get them to prove you cca is enforceable first.

then reclaim the charges.

you could ofcourse just send an sar, and in that state you wish a copy of the agreement too, but thats 40 days, and you want the info to reclaim so will have to wait if they mess you around.

 

the cca has a strict time limit of 12+ 2 [posting] working days.

 

else they default.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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just my opinion you understand

 

but later down the line DN's may (or may not be issued and other events will transpire that you may want to obtain their records to obtain proof etc

 

if you have already used your SAR "ace" you will only get information up to the present date.

 

you are then faced at a later date with having to send another sar to cover the last date their records went up to and the new date

 

messy and for what?

 

any information they now have is not really of much use to you as yet- especially if the cca comes back duff

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Will try and make light of your situation but i seen a great thread on here a while ago about Scotcall (doorstep collection). It went something like this:

 

Thankyou Scotcall for writing to me for my doorstep collection. My step at the moment is very old and so was just about to paint it to get it up to scratch with the rest of the house. Anyway if you would be so kind as to let me know when you will be collecting my doorstep i will arrange for a new one to be delivered on the same day. This service is much appreciated and i would like to thank you for the wonderful service you are providing me. I am truly grateful. Yours thankfully Mr .....:rolleyes:.

Andy...

 

 

 

 

 

 

 

 

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one step at a time?

let get them to prove you cca is enforceable first.

then reclaim the charges.

you could ofcourse just send an sar, and in that state you wish a copy of the agreement too, but thats 40 days, and you want the info to reclaim so will have to wait if they mess you around.

 

the cca has a strict time limit of 12+ 2 [posting] working days.

 

else they default.

 

dx

What would you do dx in your opinion?......

 

Wow just had a call from Portland House, went through the I D, then they let rip at me, I told them I am to cca and they were not happy..who told you bout cca, who have you been talking too etc, they seemed pretty peeved, I was shocked at their outburst, they said that I will have no luck with section 74 or 78 'cant remember'.

By this time I retaliated and give them my knowledge back, they butted in and said you had the money now stop trying to get out of paying??

 

Bottom line is their owed £750.00 I have been paying £20.00 agreed payment monthly, what do I do now?

Edited by Mr Worried
Spelling Mistakes

Regards..Mr Worried :)

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you don't have to talk tothem you know!

just refuse to do the ID bit...stuffs 'em!

 

so we're getting a bit more info here now.

 

they are chasing for more than the agreed £20?

if so ignore them

thats std practice

 

as for the other debts

 

fire off a cca request

when you get then back [or not!]

start a thread on the relevent forums for each named creditor

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

What would you do dx in your opinion?......

 

Wow just had a call from Portland House, went through the I D, then they let rip at me, I told them I am to cca and they were not happy..who told you bout cca, who have you been talking too etc, they seemed pretty peeved, I was shocked at their outburst, they said that I will have no luck with section 74 or 78 'cant remember'.

By this time I retaliated and give them my knowledge back, they butted in and said you had the money now stop trying to get out of paying??

 

Bottom line is their owed £750.00 I have been paying £20.00 agreed payment monthly, what do I do now?

 

get your arse in gear and act on the information we are giving you

 

dont in future go through the ID proceedure- as soon as you identify who is calling put the receiver down

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you don't have to talk tothem you know!

just refuse to do the ID bit...stuffs 'em!

 

so we're getting a bit more info here now.

 

they are chasing for more than the agreed £20?

if so ignore them

thats std practice

 

as for the other debts

 

fire off a cca request

when you get then back [or not!]

start a thread on the relevent forums for each named creditor

 

dx

 

Cheers dx

 

I spoke with them to let them know my intentions, but I wont do th ID again, they just want the £20.00 p mth, and if we dont speak to them does it not make them arsy and if say we have a creditors meeting re IVA will they not be arsy in rtn thus putting preasure on the 75% I may need to get the IVA ( hypertheticaly speaking).

 

Cheers

 

Mr W

Regards..Mr Worried :)

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get your arse in gear and act on the information we are giving you

 

dont in future go through the ID proceedure- as soon as you identify who is calling put the receiver down

Cheers for that..temp letter printing as we speek.

Mr W

Regards..Mr Worried :)

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Cheers for that..temp letter printing as we speek.

Mr W

 

look forward to seeing the response

 

dont forget

 

dont sign the letter

 

make a statment that the one pound fee is for production of the s78 request and not to be used for any other purpose

 

recorded delivery keep the slip

 

they have 10 WORKING DAYS (mon-fri) to respond after service ( 2 working days after first class posting or 4 days after second class)

 

(go on spoil them - send it first class)

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