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    • I've inserted their poc re:your.. 1 ..they did send 2 paploc's  3. neither the agreement nor default is mentioned in their 2.        
    • Hi Guys, i read a fair few threads and saw a lot of similar templates being used. i liked this one below and although i could elaborate on certain things (they ignored my CCA and sent 2 PAPs etc etc) , am i right in that at this stage keep it short? If thats the case i cant see what i need to add/change about this one   1)   the defendant entered into a consumer credit act 1974 regulated agreements vanquis under account reference xxxxxxx 2)   The defendant failed to maintain the required payment, arrears began to accrue 3)   The agreement was later assigned to the claimant on 29 September 2017 and notice given to the defendant 4)   Despite repeated requests for payment, the sum of 2247.91 remains due outstanding And the claimant claims a)The said sum of £2247.91 b)The interest pursuant to S 69 county courts act 1984 at the rate of 8% per annum from the date of issue, accruing at a daily rate of £xxxx, but limited to one year,  being £xxxx c)Costs   Defence:   The Defendant contends that the particulars of claim vague and are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.   1. The Claimant has not complied with paragraph 3 of the PAPDC ( Pre Action Protocol) Failed to serve a letter of claim pre claim pursuant to PAPDC changes of the 1st October 2017.It is respectfully requested that the court take this into consideration pursuant to 7.1 PAPDC.   2. The Claimant claims £2247.91 is owed under a regulated consumer credit account under reference xxxxxxx. I do not recall the precise details or agreement and have sought verification from the claimant and the claimants solicitor by way of a CPR 31.14 and section 78 request who are yet to fully comply.   3. Paragraph 2 is denied. I am unable to recall the precise details of the alleged agreement or any default notice served in breach of any defaulted payments. 4. Paragraph 3 is denied.The Defendant contends that no notice of assignment pursuant to s.136 of the Law of Property Act & s.82 A of the CCA1974 has ever been served by the Claimant as alleged or at all.   5. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of assignment/balance/breach requested by CPR 31. 14, therefore the Claimant is put to strict proof to:   (a) show how the Defendant has entered into an agreement; and (b) show and evidence any cause of action and service of a Default Notice or termination notice; and © show how the Defendant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim;   6. After receiving this claim I requested by way of a CPR 31.14 request and a section 78 request for copies of any documents referred to within the Claimants' particulars to establish what the claim is for. To date they have failed to comply to my CPR 31.14 request and also my section 78 request and remain in default with regards to this request.   7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.   8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974.   9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.  
    • i understand. Just be aware I am prepared to take some risks 😉
    • Thanks Tnook,   Bear with us while we discuss this behind the scenes - we want you to win just as much as you do but we want to find the right balance between maximising your claim without risking too much in court fees, and in possible court costs awarded to the defendant bank.
    • Tell your son and think on this. He can pay the £160  and have no further worries from them. If he read POFA  Scedule 4 he would find out that if he went to Court and lost which is unlikely on two counts at least [1] they don't do Court and 2] they know they would lose in Court] the most he would be liable to pay them is £100 or whatever the amount on the sign says. He is not liable for the admin charges as that only applies to the driver-perhaps.If he kept his nerve, he would find out that he does not owe them a penny and that applies to the driver as well. But we do need to see the signage at the entrance to the car park and around the car park as well as any T&Cs on the payment meter if there is one. He alone has to work out whether it is worth taking a few photographs to help avoid paying a single penny to these crooks as well as receiving letters threatening him with Court , bailiffs  etc trying to scare him into paying money he does not owe. They know they cannot take him to Court. They know he does not owe them a penny. But they are hoping he does not know so he pays them. If he does decide to pay, tell him to wait as eventually as a last throw of the dice they play Mister Nice Guy and offer a reduction. Great. Whatever he pays them it will be far more than he owes as their original PCN is worthless. Read other threads where our members have been ticketed for not having a permit. [We know so little about the situation that we do not know if he has a permit and forgot to display it. ]
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Mrs E Blackadder

Unknown address. Has anyone come across it?

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Hi,

 

Has anyone come across an address:

PO Box 108,

Wellington,

TA21 1BE

 

Can't seem to find any references to it anywhere.

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A check with the postcode shows it to be in the area of North Street/White Hart Lane, Wellington Somerset


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I've seen an address like that somewhere.

It's very similar to the open university address where they distribute

the returnable kit from.


Carpe Jugulum

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Thanks for your help everyone. Like the first one about it being in a field - as I suspect that it is something from a debt collectors then I would suggest that it is a good place for them :)

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Thanks for your help everyone. Like the first one about it being in a field -

 

That would be from one of their Licensed Field Collectors then:eek::D:lol:


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The furthest I got with this is that it is a new postcode (for the purposes of RM delivery) added since sept 2006 and that it is an industrial estate.

 

Hence why it's a field on google maps. No doubt a Bull field.

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That would be from one of their Licensed Field Collectors then:eek::D:lol:

 

 

Perhaps it is a field full of doorsteps...

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That would be from one of their Licensed Field Collectors then:eek::D:lol:

 

Groan:lol:


PGH7447

 

 

Getting There Slowly

---------

 

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

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perhaps its an underground site for the undercover surviellance debt teams, i have read about them on this site.................very strange;)

 

Tigs

who knows she cant spell lol

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Hi, only just found this forum, by googling this address. I recently received a letter with 'NHS Important Healthcare Information Enclosed' on the envelope and this PO Box as the return address. Unfortunately there was nothing in the envelope! I have emailed the NHS to see if they can shed any light on it but as yet have no reply.

 

would be interested if you have found out any more?:-)

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It's a similar address to this.

 

 

WELLINGTON & DISTRICT COTTAGE HOSPITAL

Bulford

WELLINGTON

TA21 8QQ


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

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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That would be from one of their Licensed Field Collectors then:eek::D:lol:

 

Yeh I've seen field collectors up and down my street, they drive carriages pulled by Unicorns.:cool:


We live in an unmoderated country why should the net be any different?

Bring back free speech we miss it!

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Hi,

 

Has anyone come across an address:

PO Box 108,

Wellington,

TA21 1BE

 

Can't seem to find any references to it anywhere.

 

REGAL CREDIT.

Consultants Ltd.

Debt Collection & Legal Services.

 

On the inside letter.

PO BOX 587 Bagshot. GU19 5YU

Tel: 0871 716 8003

Fax: 0871 716 8006

 

Hope this helps. :cool:

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Ah, a mystery solved!

 

Many thanks HelpifIcan.

 

I'm not surprised at this one, but if they really think they can trace my ex then good luck to them. They can sit outside my house forever if they think he is likely to appear here - they will have a very long wait. Also, with neighbours like mine, anyone spending any time observing my house will probably be reported to the police for loitering :D

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They can sit outside my house forever if they think he is likely to appear here - they will have a very long wait.

 

Don't say you've had a new patio built? :eek:


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

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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I just got a letter from that address, which interested me because I'm originally from Wellington. The contents were from NHS Hertfordshire (where I live now); and Dept of Health.

So perhaps it is a general mailing business!

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Local knowledge will help us. Several Wellington businesses have PO Box nos. The boxes will be at the sorting/delivery office, which is known locally to be at the back of the old Post Office. Customers will use the front entrance. The Royal Mail postcode finder for PO Box 108, Wellington, gives TA21 1BE - as ODC found - and the map shows this adddress to be at the old post office. Since Box 108 is a Return Address, it seems likely that organisations post their own mail with this on the back, and any returned envelopes are collected by some organization in Wellington to be dealt with however. Interesting.

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yup

 

REGAL CREDIT.

Consultants Ltd.

Debt Collection & Legal Services.

 

On the inside letter.

PO BOX 587 Bagshot. GU19 5YU

Tel: 0871 716 8003

Fax: 0871 716 8006

 

just got a letter

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Just had a letter with the return address on the back of the envelope and it's from Exeter City Council letting us know we're getting housing benefit.

 

I'll phone them up on Monday and ask them what's going on.

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We live in the N-East England and my husband got a letter with this address on the back for an appointment at our local NHS hospital, so we assumed it must be where they centralize appointments. Why they send it from over 200 miles away for a hospital that we could walk to. This is probably why it takes over a month for the appointments to come.

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