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    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
    • In anticipation of lodging my court claim next Weds 1 May (14 days after advising P2G that was my deadline for them to settle my claim) I have completed my first draft POC as below: Claim Claim number: xxxxx Reference: P2G MAY 2024   Claimant xxxxx   Defendant Parcel2Go 1A Parklands Lostock Bolton BL6 4SD  Particulars of Claim The defendant has failed to arrange for the safe delivery of the claimant's parcel containing a 8 secondhand golf clubs (valued at £265) that was sent to a UK address using their delivery service (P2G Reference xxxxx). The defendant contracted Evri to deliver the parcel (Evri Reference xxxxx) and refuses to reimburse the claimant on the grounds that the claimant did not purchase their secondary insurance contract. The defendant seeks to exclude their liability in breach of section 57 Consumer Rights Act. The secondary insurance contract is in breach of section 72. The claimant seeks reimbursement of £265, plus P2G fees of £9.10, plus postage costs for two first class letters to P2G of £2.70, plus court fees, plus interest. The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from xxxxx to xxxxxx on £276.80 and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of £xxxx   Details of claim Amount claimed £276.80 I look forward to your thoughts and comments guys! As ever, many thanks - G59    
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capquest/HL threat-o-gram of CO on old Cap1 debt


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I have received a letter from a solicitor with regard to a debt of £932 that I owe to a credit card company.

 

The letter states that the client has completed a pre-litigation process including Land Registry checks which name me as the owner/occupier of the property. The letter goes on to mention the possibility of applying for a Charging Order to be placed on the property etc.

 

I am a private tenant in a rented house :!: so this information must surely be inaccurate - as far as i am aware tenants are not listed at the Land Registry and obviously i am not the owner of this property.

 

Should I contact the solicitors or seek legal advice elsewhere?

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Sounds like a load of guff if he reckons this.

 

I would probably be inclined to do a land reg search yourself to ensure they are talking rubbish.

 

Other than that, ignore.

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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Standard Capquest letter. I have one myself claiming I'm a home owner. I wrote back and said feel free, I don't care.

 

Funny, but I never heard from them again regarding that alledged debt. :rolleyes:

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Same with me C1 told me i own this house when its owned by council.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Make sure you report them to the OFT, they could be committing an offence as per the Consumer Protection from Unfair Trading Regulations 2008.

 

It is an offence under the above to mislead a consumer.

 

I have seen collection action stop and debts being written off when the regulator gets invovled. You may think it is a waste of time and they don't do anything but it sure is worth the price of a stamp!

 

Misleading actions

 

5.—(1) A commercial practice is a misleading action if it satisfies the conditions in either paragraph (2) or paragraph (3).

(2) A commercial practice satisfies the conditions of this paragraph—

(a) if it contains false information and is therefore untruthful in relation to any of the matters in paragraph (4) or if it or its overall presentation in any way deceives or is likely to deceive the average consumer in relation to any of the matters in that paragraph, even if the information is factually correct; and

(b) it causes or is likely to cause the average consumer to take a transactional decision he would not have taken otherwise.

(4) The matters referred to in paragraph (2)(a) are—(j) the nature, attributes and rights of the trader (as defined in paragraph 6);

(k) the consumer’s rights or the risks he may face.

Edited by Ruprecht
cosmetic
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A Land Regstry search costs £4. I doubt very much they spent any money on this other than the envelope, paper and stamp on the letter you received. Ask them to prove their claims and ask for their complaints procedure then start complaining.

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Thanks for all your comments and advice, I will definitely be sending a letter to the OFT.

 

In a funny way I am actually glad I received the letter as it led me to this forum which has opened my eyes to dealing with debt. I was getting so stressed out and paniced but now realise I am far from powerless and will take back control of the situation.

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Guest Cartaphilus

It's good you feel more relaxed about this situation. Though, in all likelihood it's another case of the DCA/creditor issuing these things - purely to scare you, this is their most common psychological default switch - like confetti.

 

For starters, they'd have to explain to a court (doubtful if it got that far but say it did hypothetically) and a judge why they are trying to make a charging order against a third party owner eg your landlord but also I would not imagine the landlord would be less than pleased if they tried to. In other words, I doubt the fact these outfits issue these letters (threats) in this way indicates they more than likely don't even know what it is they are saying in the letters and thinking they can or even consider they'd get away with it legally anyway. And the landlords name would be on the deeds to that property anyway. Now, how would whomever has issued this letter get around explainaing that little one?

The letter states that the client has completed a pre-litigation process including Land Registry checks which name me as the owner/occupier of the property. The letter goes on to mention the possibility of applying for a Charging Order to be placed on the property etc.

 

Oh, dear. I couldn't see them getting away with that at all. Standard threat letter.

 

The thing to remember here is they want you to think you are powerless in these situations and that you can do nothing. You can, as you have seen through this forum. It's what they don't want you to know for example. ;)

 

Glad you feel more relaxed now.

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