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    • considering it expires in Jan 2021 it looks like it has 2 insurances policies running on it at the same time, What a farce! each insurance company could blame one another this shouldn't be legal, but it looks like it is.
    • Just by way of an update, I am now being targeted on Twitter.   Today, two profiles have been set up and followed me, both were "here to call out Sue's sh*t".  Both have now been blocked.   I have clearly hit a raw nerve somehwhere 🤨
    • The OP could call Express to see if they will withdraw the claim if she restarts her claim and just pay the court issue fee.    Then everyone is a winner! 
    • Hi Stormy   I do wish you good luck but I'd urge you not to get over-optimistic about a letter from your GP having any bearing on the outcome of this.  I do not share London1971's view that such a letter will assist you in defending the claim against you - unless you are suggesting that the diagnosis is so bad that you aren't functioning - in which case you probably ought not to be working.  Is your GP going to say that you can't be held liable for a breach of contract, but that you're perfectly OK to continue working and to make significant decisions in other areas of your life?  I don't know.   Also, I'm uncertain where the question of bullying and harassment first surfaced in this thread.  You engaged them on a NWNF basis to pursue a claim for you.  Apparently they contacted (or attempted to contact) you a lot - certainly more than you felt necessary or were comfortable with, and you ended up deciding to discontinue the case.  But were they harassing you?  Again, I simply don't know because I wasn't there - only you were.  Most people complain that they don't have enough contact from their solicitors, not that they are being harassed by being contacted too often.  [EDIT:  I also think most people would associate "harassment" with behaviour that is in some way harmful or damaging to the recipient, and not with a situation where the alleged harasser is trying to act in the other person's interest and to their benefit].    And I'm not sure where the bullying comes from?  They're suing you because they think you are in breach of contract and that you owe them the costs and expenses they've already incurred - and that they cannot now recover from the other party because you decided to discontinue the case.  I'm no particular supporter of law firms but, unlike some people, I don't have "anti-lawyer" as a default setting.  If they've genuinely incurred costs acting on your behalf and in your interests, then I think they've got a more than fair case to recover those costs.  Threatening to sue you or actually suing you isn't necessarily bullying.   I honestly think your best chance of success is questioning the level and extent of costs and expenses they claim to have incurred and try to reach a mutually acceptable settlement.   As I've said before, I'm not intending to be critical of you in any way and I'm really sorry that all this (the original accident, hassle with the lawyers and now them suing you) seems to have contributed to all the stress you have to bear.  I'm really just interested in ensuring that you can see this problem from all points of view and that you don't place too much reliance on an approach that I think has only very limited chances of success.  (But of course - as London1971 has pointed out - there's no harm in getting a GP's letter anyway AND preparing a legal defence like BankFodder is suggesting AND preparing to think about settling.  They aren't all mutually exclusive and you should keep as many irons in the fire as you can.  Use belt and braces and don't just rely on one).   Anyway.  Good luck.  I'm frequently wrong and you may win outright!
    • I would go with the following....please feel free to amend or add.   WITNESS STATEMENT OF Baycloves.pdf  
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      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
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Izzy40

Advice about 2 letters PLEASE

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I sent an Account In Dispute letter to a DCA due to their failure to provide a CCA. I have received a letter from them saying ' a problem has arisen on the said credit agreement number and it is imperative that you contact us immediately'. Is this just their way of getting me to call as I do not answer their calls?

 

Secondly, I wrote two separate letters to Sainsburys about my circumstances and a pro rata offer. They accepted the payment on the credit card and froze interest, but the loan letter was not acknowledged. I sent another one at the start of this week recorded delivery and I have now received an envelope saying ' our representative will be calling your home on ....., please telephone us if this is not convenient'. We will not be home at all as we are visiting a relative, but again do you think it's a way to have me ring them????

HELP!

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I sent an Account In Dispute letter to a DCA due to their failure to provide a CCA. I have received a letter from them saying ' a problem has arisen on the said credit agreement number and it is imperative that you contact us immediately'. Is this just their way of getting me to call as I do not answer their calls?

 

Secondly, I wrote two separate letters to Sainsburys about my circumstances and a pro rata offer. They accepted the payment on the credit card and froze interest, but the loan letter was not acknowledged. I sent another one at the start of this week recorded delivery and I have now received an envelope saying ' our representative will be calling your home on ....., please telephone us if this is not convenient'. We will not be home at all as we are visiting a relative, but again do you think it's a way to have me ring them????

HELP!

 

I have had no dealings with Sainsburys or their banking affiliate but most of the time these home visit threats are not worth the paper they are written on... however even if they do visit they can do nothing, you dont have to let them in, make them coffee offer them biscuits or anything else.

 

As to the credit agreement number I would say yes, anything they can say on the phone they should be able to put in a letter :-D

 

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our representative will be calling your home on .....

 

Don't you just love linguistics and how words can be mainipulated to say one thing and mean something completely different. Notice how the say "will be calling your home" not "will be calling at your home". Meaning calling as in telephoning. ;)


Anthrax alert at debt collectors caused by box of doughnuts

 

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Thanks, yes I did think this as soon as I read the statement, but why is it that these things are enough to make your stomach feel sick!

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but why is it that these things are enough to make your stomach feel sick!
Their tactics are designed to intimidate people into contacting them, preferably by telephone. In that way they hope to bully and cojole people into making payments & unless the conversation is recorded you have very little evidence as to what's occurred. That's why everything must be in writing, it leaves a nice paper-trail. Besides, they wouldn't dare commit to paper what they would threaten on the 'phone.

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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I know, you're right. I have sent letters to them all and keep copies, and I am making the pro rata payments. Obviously they want to try and scare me but I will not be ringing ...... if I had any intention of speaking to them then I would not have ignored their calls to me in the last 3 months! Thanks.

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