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    • Hi all   Firstly, thanks for all the helpful threads on here. Whilst there's a lot to read and get through, it's both helpful and reassuring to see so much great advice and support to others in similar situations.   I've received a letter and a Claim Form from Moriarty for an ADCB CC debt. I'm presently in a DMP for existing UK debts and (probably like many others) I truly don't know the best way forward, as time is clearly of the essence - but I don't feel I've 'up to speed' yet on all the other threads, advice, lingo etc. to respond accordingly.   I'm looking at drafting the PAP and getting it of tomorrow, but just want to get into the other threads to see if it's the right thing (and get more info on similar cases).   Please feel free to comment with any advice - all gratefully received of course. Thanks again for anyone that's posted in other threads and great to see so many kind and generous respondents helping others.
    • nothing you can do can product against the very rare judge lottery syndrome.
    • not sure why you added the blue line I've highlighted? that's no in the we gave you.   as for your question... PRAC's roboclaim computer knows when the account was taken out, after all it raised the claim and checked everything carefully first before issuing the request via northants bulk courts equally inept roboclaim computer... 
    • I've been researching in preparation of compiling my particularised defence/WS.    I'm none too happy that some judges still seem to be siding with DCAs and seemingly brushing aside anything that we have assumed to be "necessary" for DCAs to have a winning case.    Reading a recent "summary" from another poster (another thread with case similar to mine - very old, illegible application form, no default notice, reliance on their own software to prove it was ever sent) and the judgment made in favour of the DCA and even suggesting that there was no "agreement with the DCA, they simply owned the debt, not the agreement"  Makes me very nervous.    Especially if cases like this will be judged on "probability" - the probability that if I signed the original application form, then I must have taken out the credit card and racked up the alleged debt as shown in statements enclosed in their WS (and dated some ten years later).   Is it ok to post some "evidence" I've found from elsewhere?    This is in line with my fears that regardless of how hard one tries to rebut the "lack of evidence" produced by DCAs for chasing these very old "alleged" debts, it does appear to come down to the luck of what judge you get on the day and how much they can be swayed by the DCA solicitor.    A quick Google search produced the following - from one case - this related to a credit agreement - which resulted in someone being made bankrupt - that person appealed the bankruptcy order on the grounds of defective credit agreement and default notice and this was the appeal judge's decision:   The necessary formalities for the entry into the regulated consumer credit agreement (which related to the debt in issue) were not complied with; The default notice served in respect of that credit agreement was defective.   The First Ground The Appellant argued that she did not receive the terms and conditions when she entered into the credit agreement and, accordingly, section 61 of the Consumer Credit Act 1974 (“CCA”) had not been complied with and the agreement could not be enforced. The agreement had been entered in 1995 and, whilst it had provided a microfiche copy of the front page of the application, the Respondent had been unable to provide a copy of the terms.   Despite the terms not being produced, the District Judge had found that, in the circumstances, it was very likely that such terms existed and would have been provided to the Appellant when she entered into the Agreement. Mr Justice Mann held that this was a finding that the District Judge was entitled to make.   Further, Mr Justice Mann found that it was implicit from the District Judge’s findings that she considered that the terms and conditions not only existed but had been subscribed to by the Appellant’s signature and, consequently, the requirements of section 61 CCA were fulfilled. Mr Justice Mann held that this was also a justifiable finding which should not be interfered with on appeal.   The Second Ground The Appellant also argued that the default notice upon which the Respondent relied did not comply with the Consumer Credit (Enforcement, Default and Termination Notice) Regulations 1989 because it stated the full balance of the account rather than the total of the missed payments. The Respondent argued that, as a result of the missed payments, it was contractually entitled to the entire balance subject to the service of the appropriate notice, a requirement which was fulfilled by the default notice itself and, consequently, the sum required to remedy the breach was the entire amount.   Mr Justice Mann agreed with the Respondent and the District Judge, holding that: “If by the time the default notice is served circumstances have arisen which entitle the lender to recover not merely sums which might be regarded as arrears, by which I assume is meant accumulated minimum payments, but also the whole of the sum, then they are entitled to claim that sum, and the sum to require to remedy the breach for non-payment of that sum is the payment of the whole sum due. The bank is not confined, at that stage, to claiming merely the amount of arrears if it has an accrued contractual right to have the whole of the sum.”   Do judgments like these not mean that a lot of what you guys do on here (and for which I and many others are VERY grateful) somewhat redundant. What is happening to judges just accepting "well, the terms must have been there if you signed it" -    Feeling quite nervous now.
    • we know it wasn't done to avoid enforcement we understand completely. but that doesn't take from away the fact that it happened   you can't appeal the pcn's on the basis that 'it was not his vehicle to levy upon'. the law clearly states otherwise.          
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ODC

DLC go undercover

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It would appear that DLC have now taken on a new role as secret agents.

 

I received a letter from them telling me that I am now on their Debt Surveillance Program and that I am being monitored by their Debt Surveillance Department.:eek::cool:

 

WTF is this all about. Does MI5 know???8-)

 

Oh yes this is the company that last week was threatening CCJs and Baliffs and now this hush hush department are offering a 25% discount.

 

I thought DLC would have been too busy with their chicken department at this time of yearto start up a new secret surveillance unit:rolleyes:

 

For Faccenda re Facile


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That old chestnut :D I've been surveiled by DLC and have since taken to sleeping in a boat far out to sea so as to escape their clutches. When I am on shore I wear a lead hat, speak only to brown squirrel and NEVER EVER EVER EVER eat a Mcdonalds....my conspiracy theory is that DCA's control Mcdonalds...oooooh, spooky ...

 

Just ignore it, just another useless tactic designed to intimidate.

 

Say, you're not Brown Squirrel are you?


I reside in Dawlish Warren but am not a rabbit.

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Just ignore it, just another useless tactic designed to intimidate.

 

 

 

Well it failed miserably. I nearly peed myself laughing at it.


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8)

Say, you're not Brown Squirrel are you? forumbox_right_tile.gifforumbox_bottom_left.gifforumbox_bottom_tile.gifforumbox_bottom_right.gif

No, I am.

The dark glasses fool everyone...


PLEASE NOTE... I AM MOST SORRY BUT I HAVE VERY LIMITED AVAILABILITY AT THE MOMENT DUE TO EXTREME PRESSURE OF WORK - IF YOU REQUIRE URGENT HELP ON YOUR THREAD AND ARE GETTING NO RESPONSE PLEASE HIT THE TRIANGLE FOR SITE TEAM ASSISTANCE. ELSA XXX

 

Please check out my BLOG for the quick guide to debt threats - it has all the info & letter template links you need to get started on your journey of TAKING CONTROL. :roll:

 

All opinions are my own based on research. I am not legally qualified, if in doubt please consult a legal expert.

Hope this has helped or made you smile. Keep your chin up, you're among friends now! Elsa xxx

Please click the *star* of any CAG member who has helped you .

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You can't beat DCAs for comedy value.

 

Any dickers outside your house, ODC?

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Perhaps, they have employed:

Henny Penny;

Cocky Locky and;

Chicken Licken?

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Maybe they're chicken spies?

Seriously though, for anyone less savvy than Caggers that could cause real fear and unease.

Maybe you should write back saying as a member of the Debt Watchdog Ripoff Consumer Moneysaving Undercover Surveillance Team you will be pleased to meet them in the Bandstand in the park at 1 am where you will have a copy of all the real names of CAG members..for payment of £5B in used notes......


PLEASE NOTE... I AM MOST SORRY BUT I HAVE VERY LIMITED AVAILABILITY AT THE MOMENT DUE TO EXTREME PRESSURE OF WORK - IF YOU REQUIRE URGENT HELP ON YOUR THREAD AND ARE GETTING NO RESPONSE PLEASE HIT THE TRIANGLE FOR SITE TEAM ASSISTANCE. ELSA XXX

 

Please check out my BLOG for the quick guide to debt threats - it has all the info & letter template links you need to get started on your journey of TAKING CONTROL. :roll:

 

All opinions are my own based on research. I am not legally qualified, if in doubt please consult a legal expert.

Hope this has helped or made you smile. Keep your chin up, you're among friends now! Elsa xxx

Please click the *star* of any CAG member who has helped you .

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I think it must be special agent: Turkey Lurkey!

 

Anyway, they all know that, the sky is falling in...

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Maybe they're chicken spies?

Seriously though, for anyone less savvy than Caggers that could cause real fear and unease.

 

 

I'm sure you're right. Another DCA department that dosn't exist, like compliance and 'pre court' departments.

 

Still, I suspect that it's intended to mislead, and as such is probably against the OFT Guidance.

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I think some DCA has been watching to many James Bond films,

 

Cant wait for the threats, that are signed either by Auric Goldfinger or Ernst Stavro Blofeld.....:D

 

We may have been shaken, but we are not stirred.


"Always ask for a CCA, Simples".

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You can't beat DCAs for comedy value.

 

Any dickers outside your house, ODC?

 

 

I can think of 357 reasons why that might not be prudent.


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Yep, it's complete gibberish and intended to frighten you but I think you should call their bluff and take it seriously.

 

Unless they define what they mean by "debt survillance" then there is an implication that they may seek access to data that they are not entitled to see and intrude into your life in ways that might be in breach of the law.

 

If you're confident of your ground in respect of whatever debt they're chasing you for, I think you should write to them asking them to set out precisely what form this surveillance will take. When they fail to respond, make a complaint to the OFT and also to the Information Commissioner asking whether their actions are in accordance with the principles of data protection.

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I would report them to the OFT anyway - that is harrassing language and could terrify someone not in the know. Tony Locke is a sad case.

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8)

No, I am.

The dark glasses fool everyone...

 

HMM, Do you haf ze money?


I reside in Dawlish Warren but am not a rabbit.

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It's the crows you have to watch out for. They know things...:)


“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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Actually, maybe they have a print out of your alleged debt, and they have put it on the desk. And they are just watching it.


“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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Ash.

 

If you think I have helped you, please add to my reputation by clicking the star button to the left.

Thankyou.

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To stop them reading your mind or messing with your brain you should wear one of these top of the range hi-tech anti-surveillance devices ASAP.

 

 

tinfoil+hat.jpg


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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Ash.

 

If you think I have helped you, please add to my reputation by clicking the star button to the left.

Thankyou.

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I would really appreciate the opportunity to find a DCA Surveillance Operative hiding in my green bin, but only coz I am a member of the Counter DCA surveillance Dept........ also known as the "Grab 'em by the throat and shake them til they squeal department"

 

"Double Oh Spam", licenced to dance on your throat

 

Perhaps they only surveil the debts that they are unable to collect upon


Hope this helps

 

 

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Not licenced to canvas of trade premises!!!

 

Application / Licence Details

Licence Number:0100058Licence Status:Current

Current Applicant / Licensee:

Business Name Company Registration Number

Hillesden Securities Limited 1418063

 

Categories:

Consumer credit

Consumer hire

Credit brokerage

Debt administration

Debt collecting

 

Right To Canvass Off Trade Premises:No

Trading Name(s) (Current):

Direct Legal & Collections

DLC

Hillesden Finance

Hillesden Leasing

 

Trading Name(s) (Historic):

Maldon Leasing

Wayborn Leasing

Rayment Leasing

 

Issued Date: 17-Jun-1980 Expiry Date: 11-Oct-2010

Legal Formation:

Body Corporate (incorporated inside UK)

 

Current Individuals that run the organisation:

Name Position

Anthony Edward Locke OFFICER

Mr Robin Michael Faccenda OFFICER

Ms Susan Faccenda OFFICER

Stephen Orlando Grima OFFICER

 

Historic Individuals that run the organisation:

Name Position

Mr Alan Kenneth Mazdon OFFICER

Mr Richard Arthur Lambert OFFICER

 

Nature of Business:

Debt Adjusting

 

Current Address(es):

Address Type Address

Correspondence Direct Legal & Collections , Buckingham Road, Brackley, Northants, NN13 7DN

Principal Place Of Business Direct Legal & Collections, Buckingham Road, Brackley, Northants, NN13 7DN

Registered Office Direct Legal & Collections, Buckingham Road, BRACKLEY, Northamptonshire, NN13 7DN, United Kingdom

 

Historic Address(es):

Address Type Address

Correspondence ., Buckingham Road, Buckley, Northants, NN13 5DN

Principal Place Of Business Buckingham Road, Brackley, Northants, NN13 5EX

Principal Place Of Business Direct Legal & Collections, ., Buckingham Road, Brackley, Northants, NN13 7DN

Principal Place Of Business Willow Road, Brackley, Northants, NN13 5HB

Registered Office ., Willow Road, Brackley, Northants, NN13 7EX

Registered Office Willow Road, Brackley, Northants, NN13 5HB

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Write back and tell them your an actor, and that the going rate for watching you is £10 an hour so they can pay like everyone else.


Illegitimi non carborundum.

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Debt Surveillance Program and Debt Surveillance Department.

 

O please, we should start a book on the daftest sounding departments these idiots in DCA Land can think of


PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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