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    • The CMA has today published further detail on its views on the law in relation to cancellations and refunds during the pandemic. View the full article
    • Includes eligibility, appeals, tax credits and Universal Credit View the full article
    • The questionnaires below provide important information which will allow us to help you. In order to use them, you will have to copy them into your own post and then give us the answers – preferably in red below each question. You can start by overwriting the prompt: "Give answer here" below each question – and your responses should automatically appear in red   Thank you +++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++   You have received a claim form.   firstly - read all the posts in this thread FIRST...   then copy this first msg to your thread - and put your answer after each question   In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us]   Name of the Claimant ? LOWELL PORTFOLIO I LTD   Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 25 AUG 2020   Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total) -   ^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE ON THE CLAIMFORM IS ONE IN THE COUNT [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days in total   Particulars of Claim   What is the claim for – the reason they have issued the claim? Please type out their particulars of claim in full (verbatim) less any identifiable data and round the amounts up/down. 1) The defendant entered into an agreement with Vodafone under account reference xxxxxxxxx ("the Agreement"). 2) The Defendant failed to maintain the required payments and the service was terminated. 3) The Agreement was later assigned to the Claimant on 31/07/2015 and notice given to the Defendant. 4) Despite repeated requests for payment, the sum of £595.63 remains due and outstanding. And the Claimant claims a) The said sum of £595.63 b) Interest pursuant to s69 County Courts Act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, accruing at a daily rate of £0.131, but limited to one year, being £47.65 c) Costs   What is the total value of the claim? £773.28   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? I received a "Notice of Claim Issue" letter after the "Claim Form".    Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No.   Did you inform the claimant of your change of address? Give answer here Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Yes, mobile phone account.   When did you enter into the original agreement before or after April 2007 ? After April 2007.   Do you recall how you entered into the agreement...On line /In branch/By post ? Online or phone.   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? I don't think so, I don't have a CCJ, but I will check.   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Account assigned to Debt purchaser.   Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes, but I don't remember the notice of assignment, I will have to search through all my scans.   Did you receive a Default Notice from the original creditor? I think so.   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? I think so, I scanned all the letters, I think different companies have sent me letters, I will check.   Why did you cease payments? Never used the contract, plus financial trouble.   What was the date of your last payment? No monthly payment made just a upfront fee I think.   Was there a dispute with the original creditor that remains unresolved? No.   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No.     What you need to do now.   Answer the questions above   If you have not already done so – send a CCA request to the claimant for a copy of your agreement
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    • I’m in desperate need of help
       
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
       
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
       
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
       
      I’ve got copies of numerous messages sent to and from twitter messages as it’s the only way I can contact them
      I’ve also contacted their customer service too
      all I get is PayPal have cancelled refund because dispute is still open.
       
      I have proved that the dispute is closed
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      I’m literally at the end of my tether and don’t know where to turn next !
       
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .
    • In desperate need of help. https://www.consumeractiongroup.co.uk/topic/425244-in-desperate-need-of-help/&do=findComment&comment=5067040
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Good Evening everyone..

 

I apologise in advance as im sure there will be numerous threads regarding this company, but everyones cicrumstances are different..

 

i will try to keep this brief and as much help as possible would be greatly appreciated.

 

I had a credit card with Monument about 5 years ago.. The debt was passed to Cabot financial and now on to Ruthbridge.. Had all the threatening calls and letter from them saying i need to pay with in 18 days in full or else..

 

I wrote to them advising i could not pay them in full and would be able to pay a monthly amount. I enclosed a montly income and expenditure.. Later that week i received a call from Jason at Ruthbridge saying they dont accept DD or standing orders and i had 2 choice.. Either pay in full in 18 days or make myself bankrupt..

 

Obviously i am worried about this but i didnt let him know this.. i do want to pay this debt off but cant afford the full amount.. please can anyone help.. thanks

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If you have asked for a copy of your Credit Agreement and it's enforceable and there are no charges to reclaim, I would just persist with paying them what you can afford.

 

A judge would not order you to pay any more than this.

 

Also, the rubbish about making you bankrupt is just that, rubbish.

 

If you can record your calls, please call Jason back and talk to him about how he's going to make you bankrupt and post it on here for further advice.

The REAL Axis of evil: Banks, Credit Card Companies & Credit Reference Agencies.

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If you have asked for a copy of your Credit Agreement and it's enforceable and there are no charges to reclaim, I would just persist with paying them what you can afford.

 

A judge would not order you to pay any more than this.

 

Also, the rubbish about making you bankrupt is just that, rubbish.

 

If you can record your calls, please call Jason back and talk to him about how he's going to make you bankrupt and post it on here for further advice.

 

 

Aggree a judge will only order you to pay what you can afford and provided you keep to the payments there is fu*k all a dca can do ie they can not send round bailiffs or take your wages or any thing else they normaly threaten you with.

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thanks.. that was another thing i needed to ask.. they say the amount is 1397, but i wrote to Monument (which is owned by Barclay Card) and they said they refunded me almost £500 in charges and interest.. But in telling Jason this he didnt want to listen and said i had to pay the full amount..

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Aggree with above do not call them if they call you refuse to answer the security questions and simply say everthing in wrighting and put the phone down if they persist in calling you there is a template letter you can send them. remember when they are bulling and treatening you on the phone it is harder to think strait but with a letter you can read it at you your own pace and come back to it after you have had a think and got some advice

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Jason is just a brainless threat monkey who doesnt give a stuff about your circumstances & just wants payment there and then.

They are legally not entitled to a penny off you, only a county court is.

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Thanks everyone for the advice i really appreciate it.. i am going to write them a letter this evening again showing income and expenditure and again offer them a monthly payment.. ( do you think i should include the 1st months payment in a cheque)

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have you requested a copy of your credit agreement?

 

if not send the letter at no 1 in my sig, include a £1 po and send recorded. do not sign it just print your name send along with this:

 

Re: Harassment by telephone

 

ACCOUNT NUMBER: XXXXXXX

Dear Sirs

I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing.

I have verbally requested that these stop, but I am still receiving calls. (Delete if necessary)

I now require all further correspondence from your company to be made in writing only.

I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to, FOS, OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.

Be advised that any further telephone calls from your company will be recorded.

 

Yours faithfully,

 

[NAME HERE]

 

 

send these to rughbridge,

 

ida x

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Do NOT send these muppets your income/expenditure. They have no right to it.

 

The only letter you should be sending is the one Ida posted above and this one linked here

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/581-cca-request-letter

 

Send a £1 postal order with it and print (do not sign) the letter.

 

Jogs

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i am going to write them a letter this evening again showing income and expenditure and again offer them a monthly payment.. ( do you think i should include the 1st months payment in a cheque)

 

Do not do this.

They have no power to money or i & e details off you.

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I have sent off my CCA and will keep you informed.. 2 questions though..

 

1) What should happen if i get a response letter saying they dont have the original agreement.

 

2) What do i do if they send me the original agreeemnt

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I have sent off my CCA and will keep you informed.. 2 questions though..

 

1) What should happen if i get a response letter saying they dont have the original agreement.

 

2) What do i do if they send me the original agreeemnt

 

 

1) you can send an account in dispute letter and can within your rights to withold payment

 

2) post it up here for folk to have alook at and if enforcable you can make an arrangement to pay that suits you

 

ida x

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

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Have just checked on Royalmail website and my CCA letter was deliver this morning and guess what... Mr Jason aka Dickhead has been trying to call me frantically..lol

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did you include the telephone harrassment letter?

 

ida x

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

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In the end I had to change my phone number to stop the calls. Or you could invest in a Truecall device. But they never stop phoning, whatever you write - why would they when they ignore every other regulation and piece of guidance?

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Good Evening everyone..

 

I apologise in advance as im sure there will be numerous threads regarding this company, but everyones cicrumstances are different..

 

i will try to keep this brief and as much help as possible would be greatly appreciated.

 

I had a credit card with Monument about 5 years ago.. The debt was passed to Cabot financial and now on to Ruthbridge.. Had all the threatening calls and letter from them saying i need to pay with in 18 days in full or else..

 

I wrote to them advising i could not pay them in full and would be able to pay a monthly amount. I enclosed a montly income and expenditure.. Later that week i received a call from Jason at Ruthbridge saying they dont accept DD or standing orders and i had 2 choice.. Either pay in full in 18 days or make myself bankrupt..

 

Obviously i am worried about this but i didnt let him know this.. i do want to pay this debt off but cant afford the full amount.. please can anyone help.. thanks

erm......they dont accept dd or standing orders? yes they do because ive had a standing order with them myself! bunch of bloody liars!!! gud luck

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LOL.. well he kinda dropped himslef in to it about the standing order.. the first time i phoned he said they didnt do standing orders or D/D then a week later I phoned and he said i needed to have a LLoyds bank account to do D/D which i know was bull****..

 

There whole company is a Joke.. I have sent them a CCA letter a week ago and have yet not heard anything back from them.. i cant wait for there response..

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its been 11 days now since my CCA letter was delivered to ruthbridge and i have still had no reply.. What do I do next, do I assume they cant get a copy of my original aggrement, (if so what does this mean for me) or do i assume they might be taking it to the courts, (again what would that mean for me) appreciate the help

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I no I'm just new here but I do no these ruthbridge monkeys.

 

If Cabot have passed it over to them for collection, you no there is nothing to worry about. The agreement will be all fairy stories.

 

In fact I have a feeling that Cabot hand these over to them and tell them to keep the lot if they can squeeze the last drops out. Why woul'nt they do it themselves if there was even the slightest chance of being able to collect in house?

 

Tell them to go play with themselves, or you'll be happy to see them in court. You no it makes sense.

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