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    • I think it was from 18months ago.    You’ll probably think I’m fussing again but I’ve got a feeling they’ll take mine further due to the shear amount that is owed, I’ll be astounding if they don’t. 
    • as I said read the date of the thread many moons ago.   its not illegal either, debt is a civil matter not a criminal one.   dx  
    • Hi Andy   Thank you for the link, it was very helpful, appreciate it.    I was actually made to feel quite 'stupid' and felt as if i was wasting the forums time on this thread after DX's comments in post #38.      Please see attached the necessary documents, please do let me know if you require anything else, many thanks.   Files attached:  - Default Notice   - statement of Default Notice  - Reconstituted Agreement & T&Cs - 3 different sets   P.S - sorry about the quality of the T&Cs, the high quality files were too large and had to reduce them.   Thanks, Roland   Exhibit JK1.pdf
    • If it’s so easy to get shut of a PayPal negative balance how come everyone doesn’t do it as such? I guess it’s morally wrong but not illegal!?    I read a thread were a PayPal employee said “paypal WILL take you to court and WONT let it lie, they have a specialist team that chase negative accounts over a ceratain amount which I’ll defo meet that criteria 
    • date of claim 14th November (2019)   What is the claim for – the reason they have issued the claim?  1) The claim comprises the following agreement the defendant entered into: a. JD Williams & Co with reverence 1234567 and current balance of £559.77 The agreement was terminated as payments were not maintained and subsequently assigned to the claimant. And the claimant claims: a) The said sum of £559.77 b) Interest pursuant to # s69 County Courts Act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, but limited to one year, being £44.ui c) Costs   What is the total value of the claim? £735   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? Yes  Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No Did you inform the claimant of your change of address? Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Catalogue   When did you enter into the original agreement before or after April 2007 ? Before   Do you recall how you entered into the agreement...On line /In branch/By post ? I think by post   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? No   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser - Lowell   Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes   Did you receive a Default Notice from the original creditor? Yes   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Couldn’t afford the interest    What was the date of your last payment? Over two years ago to the DCA   Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes
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Thailand

Truecall really is a pain in the 'arris to the DCA's!

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I recently sent an email to Truecall asking when their all-in-one device would launch, as I know it will come one day - and I don't really need one right now, thus I can hold off for a while (I still want one now really!)

 

Their reply had a one-liner in it that made me grin from ear to ear. :D

 

Hello,

I am more than interested in purchasing a Truecall, but will be

holding back until an all-in-one is on the market. Could you give me

any indication as to how long I might be looking at?

Putting the debt collection industry out of its misery can't come

quick enough. Your product is genius, and all manor of companies that

rely on lies are to be whipped and filleted.

Regards

 

Thanks for your interest, and apologies for the delay in getting back to you.

 

I'm afraid that the 'all-in-one' unit is likely to take a year - we are provisionally planning a launch in 2011. We are currently in development, but we will need to run extensive trials before we launch it as a product into the market.

You are right that the debt collectors are extremely persistent, and that trueCall is really effective. One of our customers has used trueCall to stop over 1,000 debt collection calls in just a 3 month period!

 

Oooohhh, 4,000 a year EACH! What joy..... the DCA's have enough problems without having to worrying about losing their best business model - breaking laws of the land, OFT guidelines, immorality and unethical business practices.

 

Can't wait until the OFT etc have great swathes of recorded evidence.

 

Kudos to all of you that have posted up your videos and sound clips of the muppets - I love it. I've offered to help them with their trials! :D

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Well done!

 

I have a TrueCall unit. Quite useful in the right circumstances.

Unfortunately, being an honest soul (no, not a sole ...) I put on all my letters that calls will be recorded. Sadly no-one calls me anymore.


I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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Guest wino

Thailand why don't you volunteer to be part of their trials?:)

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I bet truecall will be the next thing debt collectors will moan about in the press. affter all they moaned about this site to the guardian.

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Thailand why don't you volunteer to be part of their trials?:)

 

I think you missed the last line of my post, wino. :)

 

I don't get harrasssed though, of the couple of DCA letters I get, none know my number..shame!

 

I want one to stop BT, Virgin and the likes to stop godamn fibbing in the future! It's not just DCA's etc, it's the lot of 'em who use the phone thinking they can just say anything to secure a sale and threaten. I've had 5 ISP's since entering the www - and they have all told porkies!

 

Recording is the next step in beating these cretins up with hard proof - they've all been extracting the urine for too long. :D

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Guest wino

oops sorry.

 

Memo to self - must read properly

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The current model is seperate to the phone, whereas the new one will be just a phone...just like answerphones used to be seperate.

 

Hi

 

Thanks for the offer - we've a lot of work to do before we get to the point where we are happy to do public trials, but I'll let you know when we are there.

 

Best regards

 

Steve

 

:D

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