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    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
    • In anticipation of lodging my court claim next Weds 1 May (14 days after advising P2G that was my deadline for them to settle my claim) I have completed my first draft POC as below: Claim Claim number: xxxxx Reference: P2G MAY 2024   Claimant xxxxx   Defendant Parcel2Go 1A Parklands Lostock Bolton BL6 4SD  Particulars of Claim The defendant has failed to arrange for the safe delivery of the claimant's parcel containing a 8 secondhand golf clubs (valued at £265) that was sent to a UK address using their delivery service (P2G Reference xxxxx). The defendant contracted Evri to deliver the parcel (Evri Reference xxxxx) and refuses to reimburse the claimant on the grounds that the claimant did not purchase their secondary insurance contract. The defendant seeks to exclude their liability in breach of section 57 Consumer Rights Act. The secondary insurance contract is in breach of section 72. The claimant seeks reimbursement of £265, plus P2G fees of £9.10, plus postage costs for two first class letters to P2G of £2.70, plus court fees, plus interest. The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from xxxxx to xxxxxx on £276.80 and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of £xxxx   Details of claim Amount claimed £276.80 I look forward to your thoughts and comments guys! As ever, many thanks - G59    
    • Hmm, that's strange how they got my email then.  I assume the below is ok to send to DCBL, Nicky?  Hello, I am writing regarding our ongoing dispute and the upcoming court claim reference xxxxxxxx. To ensure fairness and transparency in our communications leading up to the court hearing, I request that you use postal mail exclusively for all further correspondence related to this claim. Please refrain from sending any communication or documents via email. Thank you for your understanding and cooperation. If you have any questions or need clarification, please feel free to contact me via postal mail at the address provided above. Yours sincerely, xxxx
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DLC threat to Stat Demand me HELP!


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Hi

 

I have been paying DLC for an old debt for 8+ year now. I moved house and lost their details on the move but still paid them.

 

The wrote a few weeks ago at my new address threatening to take to court to get a charging order only for security due the length of time it would take to repay the debt. I ignored it as a scare tatic.

 

Yester day I get the following:

 

We intend to serve a Statutory Demand under the Insolvency Acy and if served you can be made bankrupt if you do not pay the amount due immediately

 

I am paying this every month and I have done for years without fail. I dont want to dodge any debt, but these guys deserve evertyhing they get now!

 

The debt was originally a First National Debt I think, which was passed to Hillesden Securities then DLC.

 

What tatics can I use to get these off my back.

 

I seriously doubt they will have the original credit agreement as it must be 10 years old now.

 

I have never ducked paying my debts I got in a mess 8 years ago. But I think they deserve both barrels especially as I am paying them!!

 

Any help is greatly appreciated.

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What was the debt for ?

Hillesden and DLC are same group.

When was it passed to them ?

What was original debt and how much is owed ?

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Ok theres a couple of ways to go-although I have had tussles with DLC I dont want to advise without knowing more.

Its important to know what the original debt was for.

Limitation on the debt insofar as their rights to continue collection look like being within the law if you have agreed a repayment plan or been paying.

However there is always the possibility that you could rely on section 32c of the limitation act,in that you were making the repayments out of a mistaken belief that they were legitimately owed...and would not have been making the repayments if you had known you did not have to.

Thats why I asked about the original debt/alleged debt.

 

Yes you could send a CCA request,but I would also consider a SAR.

In fact if they are threatening legal action,then there are other steps that you can take.

Will refer to team collegues for an opinion.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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First national has been part of GE Money since 2005

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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First thing to do is send off a request for the agreement ASAP - http://www.consumerforums.com/resources/templates-library/86-debt-collectors/581-cca-request-letter Send with a postal order for £1 - and send recorded, they have 12+2 working days from when you send it to produce your agreement, if they fail to do this in that timescale then the debt is unenforceable whilst they are in default...!

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  • 1 month later...

Sent request for Agreement on the 7th Nov, they got it on the 9th and I got another letter from then stating they nno longer accept what I am paying them and they intend to take me to court to seek security after they gain a CCJ!:eek:

 

The letter was hand signed (all others looked scanned).

 

Do you think its a response to the Agreement Letter I sent and should I be concerned they will get a CCJ claim in before the 12+2?

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Ok got a response from the "Data Controller" at Hillesdan Securities dated four days after I know the letter was signed for.

 

They want to come back within 21 days but said they will either produce a true copy of the signed agreement or a copy of the agreement which satisfies their requires under the CCA letter I sent them.

 

I thought they had to prove one I signed an agreement and two they have the right to collect the debt?

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They can and will send you a copy, that sorta kinda absolves them under the CCA.

BUT, if they want to go to court, you'll be asking for sight of the original executed docs.

This is where they will most likely fail.

They are obviously trying to put the frighteners on you.

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  • 2 weeks later...

Its now one month since they got my letter, so they are outside of the the 12+2 working days.

 

Do I serve them with a Default Notice now or do nothing and stop paying them? I have maintained the payments just in case, especially after reading about the McGuffick unenforceble case where the judge ruled in favour of RBS continuing to chase.

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So send them defaul notice now? and wait 28 days then stop paying them? I am also considering claiming my money back from them as if they cannot produce the contract then no proof and i have been paying money to who has defrauded me.

 

Is this correct?

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  • 2 weeks later...

Got another letter saying they are following up with Original Lender and will come back to me in another 21 days.

 

Anyone got advice on how to proceed with this? Do I now stop paying and send them default notice?

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Got another letter saying they are following up with Original Lender and will come back to me in another 21 days.

 

Anyone got advice on how to proceed with this? Do I now stop paying and send them default notice?

 

If they have defaulted on your CCA request, then you are entitled to stop payments until they comply.

So Tell them they have defaulted and until such time they comply, no further payments will be made. Give them time to receive THEN stop payments

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  • 3 months later...

Hello - update

 

I sent them a CPA letter and they sent a raft of information and then after a McGuffick letter, went back to we'll update you every 21 days.

 

Today I got this letter can anyone give me some guidance on how and who to repsond to know please?

 

They still have not provided me with any credit agreement yet.

MDB2 1.pdf

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  • 11 months later...

Over a year later and after a few letters from MDB I now come back from holiday with an agressive set of letters from Ruthbridge threatening Bankruptcy,do i start the ball rolling with these guys again asking for copy of agreement etc etc?

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