Jump to content


  • Tweets

  • Posts

    • 2nd class stamp only , get free proof of posting from any PO counter dx  
    • Hi,  It has been a long time but I have had confirmation claim will proceed to hearing in roughly 1 months time.  I was wondering if anyone could advise on defence please.  A few questions I have are: 1) I didn't notify VCS that I was not the driver of the vehicle and the judge may look negatively on this point.  I did not receive any direction in correspondence from VCS  that I should inform them if I was not the driver and that was going to be the foundation for may argument on this point. 2) The vehicle is stopped at a zebra crossing.  Based on the images from VCS for around 10 seconds.  At that time there is someone standing near the zebra crossing and someone else enters my vehicle.  I was going to raise the point that stopping at a zebra crossing when someone is standing near it is to be expected.  I was also going to ask the question how you can have a no stopping zone when there are zebra crossings where the driver is required to stop. 3) The no stopping zone is clearly signposted, however, no drop off or pickup is not clearly signposted with one small sign at the zebra crossing, parallel to the road and on the passengers side.  I was going to challenge that no-drop off or pickup is clearly signposted.  4) VCS mentioned my initial defence was generic and clearly copied from the internet.  It covered 1) Claimant not being in a position to state if the Defendant was the driver at the time.  2) No evidence that claimant's contract with landowner supersedes byelaws & signage isn't legally binding contract. 3) No contractual costs and interest cannot be accrued on speculative charge. I am interested to know if anyone has had success or been unsuccessful with this 'generic' defence. 5) If I should submit an updated defence to the court based on questions 1, 2 & 3.  Or if it is better to only raise these points in court? Thanks.  Any guidance would be appreciated  
    • I honestly don't know, Baz. In addition what I don't  understand (from that pamphlet) is this: The s88 criteria are quite clear and don't need a medical professional to interpret them . The one most relevant to his topic says that an application is not a "qualifying application" if a relevant disability has been declared. The problem with the word "may" is how does the applicant establish whether me "may" driver under s88 when he has not complied with its conditions? I don't know the answer to that either. But to further muddy the waters, the pamphlet says this (about : But the s88 statute says absolutely nothing like that at all. It simply says that if you have declared a relevant disability s88 does not apply. The DVLA pamphlet is simply confusing as far as I can see. That's actually my opinion and that's what I would stick to if it was me making the application. But I'll seek a few opinions from others over the next couple of days.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Chantry Collections


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5318 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Have just been on the phone to them to make a payment, there rep was really arsey. They are collecting for a Payday Cheque company, and I have been making payments, but missed the ones for August and September because of a mixture of my ex not paying his maintenance and my bank card being lost.

 

He reckons that they can still present the cheques but when I have checked with my banks they have said there is a 6 month limit for cheques being honoured.

 

He also said that my payment was miniscule and a joke and says he is going to send and I and E form which I MUST fill in. Is that right? I didn't think you were obligated to fill in an I and E form for anyone if you don't want to.

 

He also said he would like to be sitting on benefits rather than working (in a really nasty voice).

 

Cheeky beggar.

Beating the DCA's day by day

 

My fight:

NDR - CCA'd 12+2 passed

Bank of Scotland - CCA'd 12+2 passed

CFS - Win by Technical Knock-out!:lol:

HFC Bank - CCA'd 12+2 passed

Chantry Collections - CCA sent

 

Time flies like an arrow

Fruit flies like a banana :D

 

<---------- Have I given you top advice, have I made you laugh, click on the scales, it won't hurt you! :grin:

Link to post
Share on other sites

Oh and he reckons they will want proof I am on benefits too, that's a load of rubbish isn't it?

Beating the DCA's day by day

 

My fight:

NDR - CCA'd 12+2 passed

Bank of Scotland - CCA'd 12+2 passed

CFS - Win by Technical Knock-out!:lol:

HFC Bank - CCA'd 12+2 passed

Chantry Collections - CCA sent

 

Time flies like an arrow

Fruit flies like a banana :D

 

<---------- Have I given you top advice, have I made you laugh, click on the scales, it won't hurt you! :grin:

Link to post
Share on other sites

Hi BL

Sorry to hear about the attitude displayed but I guess it's becoming the norm

The only people entitled to get any type of I and E details from you is a Court, the others can ask but you are under no obligation to comply and re the cheques, yes if not presented within 6mths they are invalid

I'd be tempted to write to them asking for their complaints procedure and have a right go about their staff member re his attitude and the way he tried to mislead you about your having to complete the I and E form (there's got to be a rule agaisnt misleading debtors but I can't find it just now)

Good luck

[sIGPIC][/sIGPIC] I asked them to wait whilst I got my Bank card :violin:

------------------------------------------------------------------------------------------

 

Information that may help if a CCA request is refused due to the lack of a signature . . http://www.consumeractiongroup.co.uk/forum/showthread.php?248863-Signature-demands-fight-back-possible-!&highlight=

Link to post
Share on other sites

Hi BL

 

Sorry to hear about the attitude displayed but I guess it's becoming the norm

 

The only people entitled to get any type of I and E details from you is a Court, the others can ask but you are under no obligation to comply and re the cheques, yes if not presented within 6mths they are invalid

 

I'd be tempted to write to them asking for their complaints procedure and have a right go about their staff member re his attitude and the way he tried to mislead you about your having to complete the I and E form (there's got to be a rule agaisnt misleading debtors but I can't find it just now)

 

Good luck

 

There is in the OFT guidlines and the CPUTR 2008.

Link to post
Share on other sites

Thanks for that guys. Normally I am red hot when it comes to these things, but having had a couple of months off I just wanted to check. I will put the CPUTR 2008 bit in the letter. That usually has them running for cover.

Beating the DCA's day by day

 

My fight:

NDR - CCA'd 12+2 passed

Bank of Scotland - CCA'd 12+2 passed

CFS - Win by Technical Knock-out!:lol:

HFC Bank - CCA'd 12+2 passed

Chantry Collections - CCA sent

 

Time flies like an arrow

Fruit flies like a banana :D

 

<---------- Have I given you top advice, have I made you laugh, click on the scales, it won't hurt you! :grin:

Link to post
Share on other sites

LoL BB . . you replied as I was nosing about

Hope this helps BL . .

OFT Guidelines:

Communication

2.1

It is unfair to communicate, in whatever form, with consumers in an unclear,inaccurate or misleading manner

2.2

(b) Leaving out or presenting information in such a way that it creates a false or misleading impression or exploits debtors lack of knowledge

CPUTR

7 (2) In determining whether a commercial practice uses harassment,coercion or undue influence account shall be taken of

(b) The use of threatening or abusive language or behaviour

Hope that helps and I know if I'm wrong things will be pointed out accordingly

  • Haha 1

[sIGPIC][/sIGPIC] I asked them to wait whilst I got my Bank card :violin:

------------------------------------------------------------------------------------------

 

Information that may help if a CCA request is refused due to the lack of a signature . . http://www.consumeractiongroup.co.uk/forum/showthread.php?248863-Signature-demands-fight-back-possible-!&highlight=

Link to post
Share on other sites

I would have looked them up but I have plumbers here who've just unblocked next doors drain which had a coconut in it! LOL...You couldn't make that one up!

 

 

A coconut? How the heck did that get there?

 

If I was to complain to TS would it be my local one or their's?

Beating the DCA's day by day

 

My fight:

NDR - CCA'd 12+2 passed

Bank of Scotland - CCA'd 12+2 passed

CFS - Win by Technical Knock-out!:lol:

HFC Bank - CCA'd 12+2 passed

Chantry Collections - CCA sent

 

Time flies like an arrow

Fruit flies like a banana :D

 

<---------- Have I given you top advice, have I made you laugh, click on the scales, it won't hurt you! :grin:

Link to post
Share on other sites

Apparently their dog dropped it down the manhole lol...

 

TS, both :)

 

 

That just gets stranger. Their dog had a coconut :confused:

 

You have made me smile, :D

Beating the DCA's day by day

 

My fight:

NDR - CCA'd 12+2 passed

Bank of Scotland - CCA'd 12+2 passed

CFS - Win by Technical Knock-out!:lol:

HFC Bank - CCA'd 12+2 passed

Chantry Collections - CCA sent

 

Time flies like an arrow

Fruit flies like a banana :D

 

<---------- Have I given you top advice, have I made you laugh, click on the scales, it won't hurt you! :grin:

Link to post
Share on other sites

Quote:

Originally Posted by babybear39 viewpost.gif

Apparently their dog dropped it down the manhole lol...

 

TS, both :-)

 

 

That just gets stranger. Their dog had a coconut :confused:

 

You have made me smile, :grin:

 

The plot thickens, will this thread be taken over by a Mutt with a nut :confused:

[sIGPIC][/sIGPIC] I asked them to wait whilst I got my Bank card :violin:

------------------------------------------------------------------------------------------

 

Information that may help if a CCA request is refused due to the lack of a signature . . http://www.consumeractiongroup.co.uk/forum/showthread.php?248863-Signature-demands-fight-back-possible-!&highlight=

Link to post
Share on other sites

It's a skill half the species have I'm afraid :eek:

[sIGPIC][/sIGPIC] I asked them to wait whilst I got my Bank card :violin:

------------------------------------------------------------------------------------------

 

Information that may help if a CCA request is refused due to the lack of a signature . . http://www.consumeractiongroup.co.uk/forum/showthread.php?248863-Signature-demands-fight-back-possible-!&highlight=

Link to post
Share on other sites

  • 2 weeks later...

Just want to check something out.

 

This is the letter I got from them the other day

 

Dear Berrylover,

 

We note with regret that you have chosen to ignore our previous correspondence regarding this outstanding debt.

 

We are unaware of any reason why payment should be witheld. If payment in full is not received within 7 days of this letter, we may have no alternative other than:

 

- Instructing an agent to make a home visit to recover the balance outstanding.

 

- Refer your file for legal action with a view to issuing a County Court Judgment against you.

 

If a County Court Judgement is issued against you, your ability to obtain future credit may be restricted. Upon judgement being awarded against you, our client will be in a position to apply for a Warrant of Execution for an Attachment of Earnings order or Bankruptcy proceedings may be issued against you.

 

Your cheque or postal order should be made payable to "Chantry Collections" and sent to the above address quoting your reference number. Please note we also accept credit or debit card payments by telephone at this office. If you are unable to settle your account in full you should contact immediately on 08444480522 to discuss the matter.

 

We await your immediate settlement of this matter.

 

Yours faithfully,

 

 

 

 

Ok, so I just wondered if anyone has any opinions on this letter. I noticed when I checked my credit records today that neither Chantry Collections or the people they are collecting for have registered anything on them.

 

Are they all mouth and no trousers?

Beating the DCA's day by day

 

My fight:

NDR - CCA'd 12+2 passed

Bank of Scotland - CCA'd 12+2 passed

CFS - Win by Technical Knock-out!:lol:

HFC Bank - CCA'd 12+2 passed

Chantry Collections - CCA sent

 

Time flies like an arrow

Fruit flies like a banana :D

 

<---------- Have I given you top advice, have I made you laugh, click on the scales, it won't hurt you! :grin:

Link to post
Share on other sites

Just want to check something out.

 

This is the letter I got from them the other day

 

Dear Berrylover,

 

We note with regret that you have chosen to ignore our previous correspondence regarding this outstanding debt. You have every right to ignore them

 

We are unaware of any reason why payment should be witheld. because i dont have to pay you If payment in full is not received within 7 days of this letter, we may have no alternative other than: .......to send more threatograms :rolleyes:

 

- Instructing an agent to make a home visit to recover the balance outstanding. ...will simply just be told to go away

 

- Refer your file for legal action with a view to issuing a County Court Judgment against you. ......will cost them money

 

If a County Court Judgement is issued against you, your ability to obtain future credit may be restricted. Upon judgement being awarded against you, our client will be in a position to apply for a Warrant of Execution for an Attachment of Earnings order or Bankruptcy proceedings may be issued against you. up to a county court what happens not them

 

Your cheque or postal order should be made payable to "Chantry Collections" and sent to the above address quoting your reference number. Please note we also accept credit or debit card payments by telephone at this office. If you are unable to settle your account in full you should contact immediately on 08444480522 to discuss the matter. meaningless end of letter drivel

 

We await your immediate settlement of this matter. you'll be waiting a long time then

 

Yours faithfully,

 

 

 

 

Ok, so I just wondered if anyone has any opinions on this letter. I noticed when I checked my credit records today that neither Chantry Collections or the people they are collecting for have registered anything on them.

 

Are they all mouth and no trousers?

 

Thats more like it :)

Link to post
Share on other sites

Slightly OT - how can ANYONE enjoy Jeremy Kyle, I nearly threw the remote throught the telly when I caught some of the ignorant 'people' he had on one show when I was struck down with swine flu.

 

 

Next time he rings, tell him not to be so inconsiderate while you are in the middle of enjoying Jeremy Kyle :D
Link to post
Share on other sites

Jeremy Kyle is worth watching when you feel terribly down. It makes you realise that your life is not as bad as you think and that there are many people who have worse lives that you. :D

Beating the DCA's day by day

 

My fight:

NDR - CCA'd 12+2 passed

Bank of Scotland - CCA'd 12+2 passed

CFS - Win by Technical Knock-out!:lol:

HFC Bank - CCA'd 12+2 passed

Chantry Collections - CCA sent

 

Time flies like an arrow

Fruit flies like a banana :D

 

<---------- Have I given you top advice, have I made you laugh, click on the scales, it won't hurt you! :grin:

Link to post
Share on other sites

  • 3 weeks later...

The phone number for Chantry is 0844 448 0520.

 

Ok I got a CCA back and it looks to be enforcable, so my next question is about paying them.

 

I do not want to call them up, but have no details of how to pay them otherwise. Can they insist that I call them each month to make payment (as I do not want to give them permission to just take the money each month).

 

Can I insist they give me details so that I can pay via online banking or a paper giro to pay them?

Beating the DCA's day by day

 

My fight:

NDR - CCA'd 12+2 passed

Bank of Scotland - CCA'd 12+2 passed

CFS - Win by Technical Knock-out!:lol:

HFC Bank - CCA'd 12+2 passed

Chantry Collections - CCA sent

 

Time flies like an arrow

Fruit flies like a banana :D

 

<---------- Have I given you top advice, have I made you laugh, click on the scales, it won't hurt you! :grin:

Link to post
Share on other sites

IF all is above board, write to them and ask for either bank details for a s/o, a payment card or a book of giros. NEVER EVER give them your bank details, card details or set up a DD with them - such companies have been known to empty bank accounts with this type of info.

 

When you have that THEN write and TELL them how much you can afford and that's what they are getting. The start paying it.

 

At this point they will no doubt try and pressure you into paying more. Just tell them that's all I can afford I you don't like it take me to court and I'll get a DJ to tell you thats all I can afford.

 

Dont let them bully you

Link to post
Share on other sites

Thank you Hungrybear.

 

I won't let anyone bully me, don't worry. I phone up DCA's for fun.

Beating the DCA's day by day

 

My fight:

NDR - CCA'd 12+2 passed

Bank of Scotland - CCA'd 12+2 passed

CFS - Win by Technical Knock-out!:lol:

HFC Bank - CCA'd 12+2 passed

Chantry Collections - CCA sent

 

Time flies like an arrow

Fruit flies like a banana :D

 

<---------- Have I given you top advice, have I made you laugh, click on the scales, it won't hurt you! :grin:

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...