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    • Daft question - but you filed the defence on-line on MCOL as dx indicated, right?
    • We looked up the e-mail address so communications would be in writing.  If you do stuff on the phone the other party can just deny the contents of the conversation.  They can't deny what's written in an e-mail. So time to sort Pete out.  Check the following for accuracy and change anything I've got wrong.  Then e-mail Pete this evening.  I was thinking of threatening the pub with legal action but let's initially be nice.   Dear Pete, Re: PCN no.XXXXX, claim form no.XXXXX on 23 July 2022 I was a customer at your pub and I attach proof of purchase. I was picking up my cousin Ms XXXXX and her family as she was working as a cook with you at the time.  I entered the pub through the back door, went to the bar, and ordered a drink and a meal.  At no point did any bar staff alert me that I needed to add my registration number or did I see any signs advising me to do so.  I then took a seat outside in a small seated area so I could chat to my cousin while waiting for her to finish work.  We were joined by the management of the pub and bar staff during my time waiting  I was shocked a few days later when I received a demand for £100 from Civil Enforcement Ltd.  i contacted the pub and was told "don't worry, it's not enforceable". Well, that information turned out to be nonsense because I have now received a county court claim form from CEL. I contacted the pub again on XXXXX and was extremely disappointed to be told "there's nothing we can do". Of course there is something you can do.  You are the organ grinder.  You called CEL in.  You can call your dogs off.  Your pub has absolutely superb reviews on Google Maps regarding the way in which you treat guests.  Do you really think customers should be dragged to court?  I'm sure you don't. I am therefore requesting that you intervene and instruct CEL to cease court action. Yours, XXXXX
    • Thank you - Defence has now been filed Doc_20240501_182920_Redacted.pdf
    • The US central bank has left interest rates unchanged again, noting a "lack of further progress" toward lowering inflation.View the full article
    • The US central bank has left interest rates unchanged again, noting a "lack of further progress" toward lowering inflation.View the full article
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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.
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CSA does not like us


stephen1976
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To be honest, I wouldn't expect anything else from them. As for the author being a Board Director for Compliance, there is so little compliance in this industry, it's a joke. Apparently banks and DCAs can ride roughshod over the law and intimidate the oridnary person, but the CSA don't like us to fight back.

 

Now that's what I call non-complaint and one sided!

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No mention of the financial institutions BREAKING THE LAW. .

 

CSA get your act together. . .

 

Nice find Stephen1976

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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No mention at all of giving information not publicly known to help people.No mention of anything illegal going off so whats with the vitriol?

They dont want Joe public knowing the law,we are not educated enough to understand the complexities,better leave it to them.

You have to ask why they are so against people using the law to their advantage,the banks do it every day.

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I'd have thought that Ms de Tute's time would be fully occupied with compliance, since (as the OFT has made clear to a number of their members), they aren't very good at it.

 

The CSA is an organisation that exists to benefit its members (and no-one else). One way it does this is to present an apparently respectable front, whilst its members get up to all manner of unsavoury practices. See also the Christian Brothers. No amount of pompous articles, in-house discussions or pretending to have some sort of authority will change that.

 

I note that Ms de Tute works for Westcot; I wonder if her t-shirt says 'bullsh1tter' across the front?

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CSA does not like the CAG forum at all this a quote taken from their statue barred Q&A

 

"Statute Barred Debt… To collect or not to collect, that is the question?!

Lets set aside the issue of the proposed reduction to the limitation period for a moment and give a little focus

on the actual collection of Statute Barred debt.

Thanks to my nemesis, the Consumer Action Group website, there is a lot of misinterpretation of statute

barred debt, what can and cant be done and the rights of the consumer and DCA.

And to make matters worse the Office of Fair Trading seem to have misinterpreted the law also…"

 

http://www.dbsg-uk.com/media/editor/file/Stat%20barred%20debt.pdf

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And to make matters worse the Office of Fair Trading seem to have misinterpreted the law also…"

 

'Anything' that doesn't suit them is a misinterpretation of some sort or another... If there was one law that suited them in one manner and also suited them in another manner, but the two manners were mutually exclusive, then they would be furiously banging away on their calculators to see in which manner the law made them the most profit. They would then declare with authority that it was 'right' and 'just' that the law be applied in that way... :lol::lol::lol:

What sort of world do you want your kids to grow up in?

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Shall I send her these lol

 

originaldefaultnotice1.jpg

 

MBNADEFAULTNOTICE.jpg

 

False representation No the financial industry does not do that lol

 

PF

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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I am SHOCKED!!

 

:eek:

 

 

You mean - all these years that I've known you, I've not realised that all this site does is (and I quote):

 

Encourage consumers to avoid paying debts

Celebrate victories against creditors

Set up tallies in how much has been refunded in bank charges

Provide standard template letters

Breeding grounds for misinformation - consumer detriment (this bit is grammatically incorrect BTW Ms Tute)

Insult creditors, debt purchasers and DCAs.

 

OMG - and what have they done?

 

Discussed Consumer Forums and CMCs with the OFT.

 

I'm flabberghasted.

 

I'm just beside myself with emotion.

 

What can I say to you all now that I'm made aware of all of this?

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

BRING IT ON, JOHN!!!!!

 

 

YEAAAHHHHHHHH!!!

 

 

:lol:

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Thanks to my nemesis, the Consumer Action Group website

 

Bad choice of noun, Ms Aynsley:

 

nem⋅e⋅sis

1.something that a person cannot conquer, achieve, etc.2.an opponent or rival whom a person cannot best or overcome.3.(initial capital letterthinsp.png) Classical Mythology. the goddess of divine retribution.4.an agent or act of retribution or punishment.

 

Els;)

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I have seen the drivel they put on regarding how a consumer can caonlaint if a DCA act not according their "benchmark code of conduit", ti will be laughable if they didnt ruin the life of some people

 

Their standards are consistently low and they strive hard to achieve them:rolleyes:

Edited by citizenB
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Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

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3: Feel Bullied by Creditors or Debt Collectors? Read Here

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5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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