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    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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      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.

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DCA's saying ' it ain't me gov' lets all feel sorry!


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I just received this report from Credit Today magazine for the Credit Industry about a Channel 4 expose on a DCA...what is sickening about this is the complete blindness of Kurt Obermaier the head of the CSA ( which is the self appointed body run by the DCA's as a boys and girls club to look after themselves but made to make the industry look as if it's controlled (pull the other leg CSA:p) trying to say " well the agency concerned is a really decent practice doing a really professional job, but one or two individuals weren't quite playing by the official rules ! :eek:

 

MR OBERMAIER - how long have you had that job?

 

- How long have you been looking after Debt Collection Agencies who make up 99.99% of your members?

How long have you ' not seen' what's happening in your industry?

- How long have you been oblivious to the tens of thousands of complaints made to the OFT about their practices?

How long are you staying in your job if you have ' missed' this? - I think the CSA needs an executive Director assigned from the OFT to sit and scrutinise you feckers and see exactly what you lot are up to...you must have your head up your backside if you give this sort of drivel out to the media....GET A GRIP For gods sake and DO SOMETHING about this industry you purport to represent...Geez, how many times do you need to be told?

 

Anyway, take a look at Channel 4 my learned friends and find out EXACTLY what people are like AS THE NORM in DCA's : enjoy folks and go give em hell...from CAG and the Cabot Fan Club - lets hope it's Cabot :D

 

Quote:

Dispatches to air debt collection exposé - 10/07/2009

 

Dispatches to air debt collection exposé

 

A Channel 4 Dispatches reporter has gone undercover in a debt collection agency for a programme that will air on 20 July, Credit Today has learned.

 

Presented by Jane Moore, Channel 4 said the programme reveals "some of the tactics deployed to get debtors to pay up, and talks to those unfortunate enough to be on the receiving end of this treatment". Earlier this year, Dispatches reporter Tom Randall got a job as a debt collector inside "one of the UK’s fastest growing agencies".

 

The programme is understood to also focus on the sale of debt portfolios. "Some of the biggest high street businesses are cutting their losses and selling on their bad debts to agencies for as little as sixteen pence in the pound," it said. "Agencies who buy up these debts are entitled to pursue debtors for the full amount. In this multi billion pound industry the stakes are high, and Dispatches reveals the lengths collectors will go to, to recover their debts."

 

Kurt Obermaier, executive director of the Credit Services Association, confirmed that a CSA member had made the trade body aware of the situation. He said the company had the correct policies in place for collections but individual employees appeared to have deviated from them. He was not able to reveal the identity of the agency.

 

Credit Today understands that allegations include collection professionals putting undue pressure on vulnerable debtors, making premature threats of bankruptcy and chasing third parties and statue barred debts.

 

Yea Ha !! :grin:

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Individuals working away from company policy, blah blah blah, usual excuse when caught out in my opinion.

 

They are the company, the so called individual rep them, so tough, sort it out, my rant over:D

 

Thanks for tip of programme, will watch:D

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Its' a shame that they could not have put a Channel 4 Investigator into 2 or 3 DCAs at the same time as this would have added weight to their lies about it being the exception rather than the rule in their outrageous behaviours. Just think of the outcome of an ivestigation into more than 1 DCA!!

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Excellent won't miss that programme on 20th just checked the date I'm not working late that day so I'll be there I'm assuming there will be a thread on here straight after.

 

DG:D (only coz it's Friday)

I have no legal training my knowledge comes from my personal life experiences

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Laughing so much at this :D

 

Like we could believe that it is "one or two individuals" not doing things correctly :D Who does Kurt think he is kidding???? :rolleyes:

 

We've onlt to flick through these forums to see that this is their "standard practices" throughout the industry LOL They rarely treat people fairly or with any diligence at all.

 

Can't wait to see this one aired!!

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I wonder if we'll be able to work out which DCA it is:D

 

Doubt it, they are ALL the same - :D Also on a more serious note, note the quote as to how much they pay in the £ for their debt purchase - " as low as 16p" - now I know most of you who have followed our path during the past 3 years or so will know this, but we were seeing as low as ..00.07p in the £ back then. Our matey Ken Maynard head honcho at Cabot was seen penning an article recently stating that competition is fierce and prices for debt has increased (poor darling :p) Banks are sifting through and realising some debt is far more collectable than older debt so pricing has gone up for that..chopping margins no doubt and a higher proportion of debt being harder to collect. Add to that the many thousands of people in Debt Management plans they never had to deal with before paying anything from £1 - £10 a week rather than whole swathes of hundreds they encouraged people to borrow from their family to get these nasty debt collectors threatening bailiffs off their backs and you can then realise why so many have --erm? cash flow problems - ha-ha, welcome to the real world people :D

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Oh luvverly. I d hope it's Cabot as they are so smug - but any of them will be the same. They try and make out they are professional, ethical and all the rest but every one of us on here knows they're not.

Now let's see...OFT clamping down; prospect of Limitations limit to be halved;CAGers challenging their crappy litigation; and Channel 4 exposes. Yes I feel quietly confident this Friday evening that they and their ilk are well and truly on the back foot.

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I

The programme is understood to also focus on the sale of debt portfolios. "Some of the biggest high street businesses are cutting their losses and selling on their bad debts to agencies for as little as sixteen pence in the pound," it said. "Agencies who buy up these debts are entitled to pursue debtors for the full amount. In this multi billion pound industry the stakes are high, and Dispatches reveals the lengths collectors will go to, to recover their debts."

 

 

Yea Ha !! :grin:

 

sorry their debts, no mate I ran up a debt with the OC not with some scummy backstreet shyster

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One thing you can be sure of though, whichever one it is, you can guarantee they will be picking up a prize as the

 

' best DCA of the year '

 

by the self congratulating industry at the Credit Today awards ceremony :p

 

I know one outfit that will be sending in their congratulations:

 

the Cabot Fan Club :grin::grin:

 

 

:grin:

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One thing you can be sure of though, whichever one it is, you can guarantee they will be picking up a prize as the

 

' best DCA of the year '

 

Now wouldn't it be amusing if the "few" bad apples had won previous awards for employee of the year either at credit today or at an individual DCA, or been nominated previously. Time to find them all out ready.

 

Channel 4 usually digs much deeper than the other channels. A viewing must. Guess they will have gone for a company which has a lot of impact at csa, current of past chairman?

 

There have been site announcements for TV programmes, anyone got a list of those for the last few months. There could be a clue in there.

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Can we get an investigation into what's left of the sub-prime lenders please? I desperately want to hear from a whistle blower that's either been involved with SPML or Capstone mortgage businesses'.

 

You can add Swift Advances to that one too! :D

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Wonder why they didnt interview the President of the CSA who happens to be a director of Worst Credit who had their knuckles rapped by the CSA.

 

Of course Worst Credit used the usual excuse of systems errors and they were addressing the need to improve training for some staff

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Of course Worst Credit used the usual excuse of systems errors and they were addressing the need to improve training for some staff

 

I am amazed that companies actually get away with that miserable excuse for an excuse.

 

Companies a liable for the actions of their employees full stop.

 

David

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I had it from Wescot once, git sat on the phone one Saturday morning threatening me with a bailiff on Monday if I didn't pay some credit card bill, I told him I'd phone back on Wednesday with a resolution to this if he held off. Monday I phoned his director and told him to sack the fecker, train his staff right and expect a communication from the OFT for this employees actions. Tuesday I phoned the git and told him that I would still phone him on Wednesday with the resolution but as this was Tuesday and it was my call rather than his he should shut up and keep quite and listen rather than talking AT me, I then went on to ask him what he needs to have in place before he starts threatening people with bailiffs? - I said save your answers for your Director because he's about to come down and have a little chat! :D

 

Never heard another word :D...but they still do it and training is what it's about, trouble is they don't train because it doesn't pay them to do so. Still a bunch of gits! :D

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Pleeeease let it be Cabsnot!

 

It is about time the OFT got their act together too – if they are responsible for regulation of this industry at the expense of the taxpayer then it’s about time they started doing the job they are paid to do.

 

T :)

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I can't help it, I'm laughing so much...I've only just got this...I'll probably be Cagbotted but enjoy this while you can...language is strong so no people under 18 or anyone who is offended by bad language.. I'm still laughing

 

Wonder if they'll play this on Channel 4 if it is Cabot... :grin:

 

 

 

YouTube - Cabot Towers - Uncle Ken Loses It

 

Sorry site team! LOL

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I'm still chuckling now it looked like they were a bit hot under the collar.

Brilliant

DG:cool::lol::lol::D

I have no legal training my knowledge comes from my personal life experiences

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