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    • i would suggest you look at the dates of posts on those other forums paypal do not sell debts and even if they do, there is stuff and all any debts buyer could do yo you in the UK. forget it, or even better go complaint to your bank and tell them paypal did not advise you £1200 would come out of your a/c, which they should do, and that it was the result of fraud. you don't have to tell them any details.   as for the rest of your debts..   debt IS NOT A CRIMINAL OFFENCE IN THE UK..where the beep did you get that from!!   pers i'd be opening a parachute account and getting asll your income paid into that so NO-ONE can get their hands on it. cause NW are just about to introduce 40% OD int rate and they will forever be draining you of money   get OUT NOW from them.   dx      
    • I'm aware there are some grammatical and reference errors but the post expired before I could fix. I'd really like to know if I've made valid points or not. Thanks.
    • Another thing, they say they have photographic evidence of the entry and exit times, but have not included it in the SAR. If they have photos shouldn't they provide them in the SAR? And if they don't have them now, how can they prove anything?    Should I ask OBS to produce the photos?
    • Is this any better?  I've resigned myself to losing. Admittedly, I don't quite know what I'm doing. I just hope I get a remote hearing, that should save me some embarrassment.      1) The Claimants pleaded case is that the Defendant entered into an agreement with Provident subsequently assigned to Vanquis Bank Limited under account reference xxx.    2) It is admitted I have had financial dealings with Provident in the past. However, have no recollection of the alleged reference number the claimant refers to.   3) In February 2019 I made a formal written request to the Claimant for them to provide me with a copy of my Consumer Credit Agreement as entitled to do so under sections 78 of the Consumer Credit Act 1974.    4) On the 21 June 2019 the Claimant sent a response which enclosed a reconstituted copy of an agreement, default notice, notice of assignment Provident to Vanquis, notice of assignment Vanquis to Lowell. [EXHIBIT x, x & x].   5) On 30/07/19, I received a claims form from the County Court Business Centre, Northampton, for the amount of £369.84. The claimant contends that the claim is for the sum of £369.84 in respect of monies owing under an alleged agreement with the account no xxxx  pursuant to The Consumer Credit Act 1974 (CCA).   6) Contained within the claimants particulars the claimant states that the account was subject to assignment from Provident to Vanquis. The claimant states a further assignment to them occurred on 12/06/2017 with notice given.    7) It is denied notice of assignment from Provident to Vanquis and subsequently Vanquis to Lowell were ever received.    😎 The claimant states documents were received at both addresses. The claimant doesn’t appear able to confirm my address and therefore cannot say with certainty said documents were received. Furthermore, the client did not issue said documents and therefore cannot prove delivery.     9) It is denied any communication took place with myself and Vanquis Bank Limited. Any alleged legal assignment to part of the “Fresh Start” initiative had not been informed. I have no previous knowledge.   10) Under the consumer credit act 2006, until debts have been repaid, there is an obligation to send statements and notices to the debtor at prescribed intervals at no more than 12 months. The statement should explain the money borrowed, money paid, interest in all cases and the outstanding amount. Consequences of failing to make repayments and the opportunity of making minimum payments should be informed. The Claimant has submitted a statement of accounts dated March 2019. This having followed my request for a credit consumer agreement. It is denied this document and any such required statement of accounts required under section 77A during the alleged agreement were ever received.   11) The claimant states that a default notice was issued on 18thJanuary 2017. The payment date requested by Vanquis Bank Limited on said document is  28thFebruary 2017. The formal Notice of Default that was accompanying this letter displays a requested payment date, 28thFebruary 2019. (Exhibit x, x)   12) I argue that this is not in fact a COPY of an original default notice, that they state was issued during February 2017, but that this is a fabricated version of a default notice created by Lowell. Either way the default notice was not issued by the assigned creditor (Vanquis).   13) It is therefore contended that the original creditor failed to serve a valid Default Notice pursuant to section 87(1) Service of a notice on the debtor or in accordance with section 88 (a “default notice ”) is necessary before the creditor or owner can become entitled, by reason of any breach by the debtor of a regulated agreement.   14) The Claimant states a default notice was not required. If there is a default in payments during the fixed term a default notice must be issued. The Claimant states they were informed a default notice was sent on 18thJanuary. The Claimants case relies upon being informed and does not constitute fact.   15) It is denied a default notice was ever received.    16) It is admitted I responded to the Claimant’s pre-action protocol letter addressed in my name. I indicated I did not know if I owed the debt. I indicated as such having no recollection of affiliation with Vanquis nor Lowell. A default for the allege debt appearing on my credit file only November 2019.    17) I understand that the claimant is an Assignee, a buyer of defunct or bad debts which are bought on mass portfolios at a much reduced cost to the amount claimed and which the original creditors have already written off as a capital loss and claimed against taxable income.   As an assignee or creditor as defined in section 189 of the CCA this applies to this new requirement on assignment of rights. This means that when an assignee purchases debts (or otherwise acquires rights under a credit agreement) it also acquires certain obligations to the borrower including the duty to comply with CCA requirements (such as the rules on statements and notices and other post-contractual information). The assignee becomes the creditor under the agreement. This ensures that essential consumer protections under the CCA cannot be circumvented by assigning the debt to a third party.   18) Under Civil Procedure Rule 16.5 (4) Where the claim includes a money claim, a defendant shall be taken to require that any allegation relating to the amount of money claimed be proved unless he expressly admits the allegation. Therefore, it is expected that the Claimant be required to prove the allegation that the money is owed as claimed.
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bsj

Provident Collecting??

style="text-align:center;"> Please note that this topic has not had any new posts for the last 2537 days.

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It seems Provident loan company have jumped on the DCA collection band waggon.

I recieved a letter today informing me that Wescott had passed my details to them for an old debt (nearly statute barred).

They are offering me a loan to clear the debt,and the letter states they are sending one of their friendly agents to my door in the near future,to discuss repayment of the alleged debt.

The scheme is called fresh start.

The offer includes 0% APR and a 10% discount.

 

Has anyone else heard of this or received this letter?

 

Can i send the harassment letter,i have no intention of taking a loan with these people,but i don't want to ring them.

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report them and westoct to the oft for trying to get you to sign up to more debt in an effort to repay an alledged debt


PGH7447

 

 

Getting There Slowly

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Advice is given freely but is in no way meant to be taken as Gospel:-)

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Thanks PG,i was actually quite angry when i read the letter,if i don't have the money,they can't have it.

I was hoping i could report them to the OFT.

 

This seems a new tact for intimidation of debters to me,Disgusting parctices,but then are'nt all DCA's.

 

Do you know what laws if any they are breaking,i'm learning all the time and it would be valuable knowledge for me.

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dont know the specific law but they are not allowed to suggest using another credit card or getting friends family to pay or suggesting getting a loan to pay off a debt


PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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Physical/psychological harassment

2.5

Putting pressure on debtors or third parties is considered to be oppressive.

2.6

Examples of unfair practices are as follows:

a.

contacting debtors at unreasonable times and at unreasonable intervals

b.

pressurising debtors to sell property, to raise funds by further

borrowing or to extend their borrowing

c.

using more than one debt collection business at the same time

resulting in repetitive and/or frequent contact by different parties

d.

not ensuring that an adequate history of the debt is passed on as

appropriate resulting in repetitive and/or frequent contact by differen

 

Debt collection guidance - Final guidance on unfair business practices - oft664


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

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Physical/psychological harassment

2.5

Putting pressure on debtors or third parties is considered to be oppressive.

2.6

Examples of unfair practices are as follows:

a.

contacting debtors at unreasonable times and at unreasonable intervals

b.

pressurising debtors to sell property, to raise funds by further

borrowing or to extend their borrowing

c.

using more than one debt collection business at the same time

resulting in repetitive and/or frequent contact by different parties

d.

not ensuring that an adequate history of the debt is passed on as

appropriate resulting in repetitive and/or frequent contact by differen

 

Debt collection guidance - Final guidance on unfair business practices - oft664

 

Thank you,very interesting.

Not only am i going to report them to the OFT,i think a carefully constructed strong worded letter quoting the above is on it's way:-D.

 

I wonder how many people recieved this type of letter this morning:mad:

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Provi very rarely take anyone to court due to past cases where the judge has thrown it out due to being extortionate. Unless you owe them megabucks, I can safely say that your debt will ever see a court room.

 

They tend to go down the DCA route, in particular CK Edrupt to collect for them, and hope to recoup from there.

 

In their defence, Provi are usually the easiest to negotiate with as they know that at least 99% of their accounts would never make court. So even if you offer £1.00 per week they are more likely to accept.

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This is an old debt,it's not a debt owing to provident.

 

Wescott DCA have passed details of alleged debt to provident for them to collect.

 

So provident are offering me a loan to pay off the debt to wescott at a discount,sweet of them:rolleyes:

 

Still it's good to know that the provi rarely take court action,i do know a few people that have debt with them,and are worried about it.

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This is an old debt,it's not a debt owing to provident.

 

Wescott DCA have passed details of alleged debt to provident for them to collect.

 

So provident are offering me a loan to pay off the debt to wescott at a discount,sweet of them:rolleyes:

 

Still it's good to know that the provi rarely take court action,i do know a few people that have debt with them,and are worried about it.

 

Oh, I see. That's very naughty of them and the authorities will come down on them like a ton of bricks on this little stunt.

 

This is definately worth a complaint. They must be getting pretty desparate.

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Oh, I see. That's very naughty of them and the authorities will come down on them like a ton of bricks on this little stunt.

 

This is definately worth a complaint. They must be getting pretty desparate.

 

It would seem so,what is worrying is they think they are above the law.

How many people owing a small debt will see this this as the answer to their prayers?

 

I'm putting a letter together now to provi,and reporting them to the OFT.

I for one would like to this stunt nipped in the bud,and hopefully get them fined:grin:.

 

I so want to phone them,now i know they are breaking the law,but i will find restraint and write instead:-)

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I had one arrive this morning saying I had the debt with Wescroft even though the day before the same debt was with relaible collections I think.So Saturday i get a letter from RC saying I owe the debt then this morning I get another letter saying I owe Wescroft the debt and would I like to do it through Provident

Idiots:mad:

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Wescott must have a death wish because they are firmly in the OFTs radar.


Anthrax alert at debt collectors caused by box of doughnuts

 

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:D:D:D tis what i like to hear

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I reported to them to trading standards as well as the OFT.

 

OFT informed me that they will not act on one complaint alone,they will only take up the case if more people complain.

 

Trading standards said it will be passed to the relevant department to be looked at,they will then decide if it constitute's harassment.

 

What is the point of the guidelines if they are not to be implemented?,beggars belief:eek:

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Although the OFT do not act on individual complaints they are recorded and used in tandem with reports they receive through the TSs.


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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Although the OFT do not act on individual complaints they are recorded and used in tandem with reports they receive through the TSs.

 

I can only hope they get a sackfull of complaints soon.

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I just had a provident agent call at my home.

 

They ignored my letter,informing them they are breaking OFT guidlines and that i have reported them and wescott.

 

I did not admit the debt,but told him even if they could prove the debt they are in breech.

 

He had no idea what i was talking about,obviously knows nothing of the guidelines,but he did comfirm provident have brought the debt and are going to collect it.

 

He said he is going to take advice from his manager,and get back to me.

 

I informed him that i would only correspond in writing and it is now deemed as harassment as he has called at my home.

 

So it looks like DCA's are getting desparate and making house calls:evil:

 

I have no idea what to do now, should i wait to see what they come back

with.

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just wait for their next move. ;)


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

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17 Port & Maritime Regiment RCT

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If Provident are moving into Debt Collection, surely they need a Licence?


Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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If Provident are moving into Debt Collection, surely they need a Licence?

 

It would be worth me checking on wether they have.That did'nt cross my mind.

 

I'm of to have a dig:-D

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just wait for their next move. ;)

 

 

Will do,thank you.:)

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Sounds like you did the right thing. Just keep your eyes peeled and your guard up ;)


My advice is given based on personal experience and any useful information I've picked up over the years. Always seek professional advice if there's any doubt.

 

<Please feel free to click on the star if you think I've been helpful

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Sounds like you did the right thing. Just keep your eyes peeled and your guard up ;)

 

Will do,thing is i got a bit worked up about them calling and was ready for the agent.

I had an instinctive feeling my letter would be ignored.

 

The plan was not to answer the door to them,but hubby was home and let them in because i was asked for,i had warned him in advance but he "forgot",don't you just luv em:-D.

 

I'll put him in the closet on his next day off so he dose'nt open the door:-D

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I just had a provident agent call at my home.

 

They ignored my letter,informing them they are breaking OFT guidlines and that i have reported them and wescott.

 

I did not admit the debt,but told him even if they could prove the debt they are in breech.

 

He had no idea what i was talking about,obviously knows nothing of the guidelines,but he did comfirm provident have brought the debt and are going to collect it.

 

He said he is going to take advice from his manager,and get back to me.

 

I informed him that i would only correspond in writing and it is now deemed as harassment as he has called at my home.

 

So it looks like DCA's are getting desparate and making house calls:evil:

 

I have no idea what to do now, should i wait to see what they come back

with.

 

Borrow yourself a dog and next time he comes to the door tell him he has got 10 seconds to get off your property or you will let the dog out.

 

My dog is a great deterrant for salesmen. They take one look at her when she is looking out of the window and leave me alone.

 

I am putting a sign up next week saying 'Salesmen Welcome, Dog Food is Very Expensive.'

  • Haha 1

:cool::cool: Blondmusic :cool::cool:

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Borrow yourself a dog

I suppose you could then make a complaint to the OFT because you've been forced to extend your borrowing. ;):p


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 2537 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

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