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    • I apologise if I was being unclear. Where it currently stands is that they will have it repair, placing scaffolding in our garden for 5 days. They have moved fast, but we will still have to postpone our contractors, meaning, we won't necessarily have the work done in time for the wedding and therefore will incur additional expenses for either a marquee or a wedding venue. They are vehemently against having any kind of liability in any regard but continue repeating that they are legally entitled to use our garden for their repairs (I believe this is true unless the work can be carried out using a cherry picker). The neighbour seems either indifferent or oblivious to the fact they can't reach all of the side of the roof from the space where they can place the scaffolding. They have asked their roofer of choice about using a cherry picker but the roofer has said it wasn't possible. It's not clear whether the roofer doesn't want to use a cherry picker or whether there is an issue with it. They have told us it is a problem that we are installing a gazebo as it will prevent them to access their roof from our garden in the future?!?  
    • Couldn't agree more, really wanted a true ruling on this just for the knowledge but pretty sure the Judge made some decisions today that he didn't need to?.. maybe they all go this way on the day? We hear back so few post court dates I'm not sure. Each Judge has some level of discretion. Their sol was another Junior not even working at their Firm, so couldn't speak directly for them! that was fortunate I think because if she would have rejected in court better, she might have  been able to force ruling, we are at that point!, everybody there!!, Judge basically said openly that he can see everything for Judgement!!!  but she just said "I can speak to the claimant and find out!" - creating the opportunity for me to accept. I really think the Judge did me a favor today by saying it without saying it. Knowing the rep for the sol couldn't really speak to the idea in the moment. Been to court twice in a fortnight, on both occasions heard 4 times with others and both of my claims, the clerk mention to one or both parties "Letting the Judge know if you want to have a quick chat with each other"! So, it appears there's an expectation of the court that there is one last attempt at settling before going through the door. So, not a Sol tactic, just Court process!. Judge was not happy we hadn't tried to settle outside! We couldn't because she went to the loo and the Judge called us in 10 minutes early! - another reason to stand down to allow that conv to happen. Stars aligned there for me I think. But yeh, if the sol themselves, or someone who can make decisions on the case were in court, I would have received a Judgement against today I think. She was an 'advocate'.. if I recall her intro to me correctly.. So verbal arguments can throw spanners in Court because Plinks dogs outsource their work and send a Junior advocate.
    • that was a good saving on an £8k debt dx
    • Find out how the UK general elections works, how to register to vote, and what to do on voting day.View the full article
    • "We suffer more in imagination than in reality" - really pleased this all happened. Settled by TO, full amount save as to costs and without interest claimed. I consider this a success but feel free to move this thread to wherever it's appropriate. I say it's a success because when I started this journey I was in a position of looking to pay interest on all these accounts, allowing them to default stopped that and so even though I am paying the full amount, it is without a doubt reduced from my position 3 years ago and I feel knowing this outcome was possible, happy to gotten this far, defended myself in person and left with a loan with terms I could only dream of, written into law as interest free! I will make better decisions in the future on other accounts, knowing key stages of this whole process. We had the opportunity to speak in court, Judge (feels like just before a ruling) was clear in such that he 'had all the relevant paperwork to make a judgement'. He wasn't pleased I hadn't settled before Court.. but then stated due to WS and verbal arguments on why I haven't settled, from my WS conclusion as follows: "11. The Defendant was not given ample evidence to prove the debt and therefore was not required to enter settlement negotiations. Should the debt be proved in the future, the Defendant is willing to enter such negotiations with the Claimant. "  He offered to stand down the case to give us chance to settle and that that was for my benefit specifically - their Sols didn't want to, he asked me whether I wanted to proceed to judgement or be given the opportunity to settle. Naturally, I snapped his hand off and we entered negotiations (took about 45 minutes). He added I should get legal advice for matters such as these. They were unwilling to agree to a TO unless it was full amount claimed, plus costs, plus interest. Which I rejected as I felt that was unfair in light of the circumstances and the judges comments, I then countered with full amount minus all costs and interest over 84 months. They accepted that. I believe the Judge wouldn't have been happy if they didn't accept a payment plan for the full amount, at this late stage. The judge was very impressed by my articulate defence and WS (Thanks CAG!) he respected that I was wiling to engage with the process but commented only I  can know whether this debt is mine, but stated that Civil cases were based on balance of probabilities, not without shadow of a doubt, and all he needs to determine is whether the account existed. Verbal arguments aside; he has enough evidence in paperwork for that. He clarified that a copy of a DN and NOA is sufficient proof based on balance of probabilities that they were served. I still disagree, but hey, I'm just me.. It's definitely not strict proof as basically I have to prove the negative (I didn't receive them/they were not served), which is impossible. Overall, a great result I think! BT  
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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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DCA behaviour


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Why is bad behaviour from DCA's so widespread throughout their industry?

For example, there is a thread on here from a poster who was happily paying 1st Credit & is now being threatened for the outstanding amount.

Do the DCA's have no sense of "customer relations" at all?

Do they not realize that a few simple "pleases'" & "thank you's" might get them alot furthur in terms of getting people to part with money?

Instead, they adopt a "sledgehammer to crack a nut" attitude & end up getting nothing :rolleyes:

It really is incredible how much they are their own worst enemies :mad:

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Come on MrTon, you know they cant do that it would tarnish their glittering image if they turned all nice and polite.

 

I offered 1st cretins a reasonable sum and they turned it down???? so they aint getting nothing now:D

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I know all that PGH :p

Im just trying to get to the bottom of why they are like that in the 1st place & what good they think it does them :confused:

It is basic human nature to fight back when threatened..in whatever capacity & they need to realize that.

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They really dont have the first clue about dealing with people. They start off with demanding the money is paid in full within 7 days. They threaten legal action. They ring continuously. If you do offer them money its never enough. At no stage do they ever try to have a reasonable conversation with a debtor to try to reach and amicable compromise. I have only ever had one DCA who adopted this approach and as a result I am happily paying them. The rest like The Leeds Losers and that other shower from Reigate and the Crapquest muppets ended up with nothing. They were the weakest link. Goodbye.

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Exactly the same with me. I negotiated Full & Final with the one and only DCA who ever treated me reasonably - I was happy and they no doubt made a nice profit. All the others got nothing at all, and they never will now (Stat Barred).

 

I too am pretty astonished by the behaviour of DCAs, especially some of the antics that I read on here. One can only surmise that the industry is stuffed from top to bottom with thickos, because anyone with two brain cells to rub together ought to be able to work out how counter-productive their actions are :rolleyes:

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Exactly the same with me. I negotiated Full & Final with the one and only DCA who ever treated me reasonably - I was happy and they no doubt made a nice profit. All the others got nothing at all, and they never will now (Stat Barred).

 

I too am pretty astonished by the behaviour of DCAs, especially some of the antics that I read on here. One can only surmise that the industry is stuffed from top to bottom with thickos, because anyone with two brain cells to rub together ought to be able to work out how counter-productive their actions are :rolleyes:

The point is they're preying on those that DON'T post or read here.

 

My brother in law had one of them loans where someone comes to your door weekly to collect the money. The woman that used to visit him quit (he didn't just choose to stop paying them... he phisically couldn't pay them anything!), and the company never sent anyone after him for over 6 years, even though he still had another £130 to pay. They have never posted anything on his credit file. Now a DCA has got hold of this statute barred debt and are writing to him thretening to take him to court etc. Him and his wife are both quite well off now, and own a house and have sparkling credit ratings, so this DCA thretening to get a CCJ on them scares them whitless. I've told them it's all posturing and nagging, and I've told them their Threat-O-Grams are just that... empty threats, and I've told them the company has no legal basis for claiming this money but they are going to pay because they stand to lose out on getting better mortgage deals in the future.

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