Jump to content


  • Tweets

  • Posts

    • Thank you for your reply!   I’ve just had the following response from Disney. Not great at all.   Dear Fishy Thank you for your reply. We kindly confirm that Disneyland® Paris annual passes are usually non-refundable. However, due to the unprecedented situation with CoViD-19, the duration of your annual passes and their benefits have been extended by the number of days our Disney Parks were temporarily closed (123 days), starting from the original expiry date of your annual passes. As previously mentioned, we are unable to put an additional temporary halt on your annual passes; however, we would like to offer you an exceptional partial refund. If you wish to accept our offer, please provide us with a copy of the annual passes of your party as well as the filled in and signed refund form at your earliest convenience. Your annual passes will consequently be blocked. We hope that this information is helpful for you, and we look forward to hearing from you. Yours sincerely, Constantin Guest Communication
    • I have now written up the Claim and will post this, we have also been informed by the DJ they will counter-sue for the full amount if we take them to Court for the £500 we are at a loss? We we have also included interest from the date they refused the Money in May as we are having to borrow to fund the wedding in three weeks, its so disheartening as we also have to pay £415 to put the claim in when they could have just resolved this matter!   Are they not bothered about customers at all, they are prepared to keep money without providing any service at all   Its so shameful
    • I'm afraid lapse of time has got nothing to do with it in this case. At the very minimum, though there is is six years within which to recover a debt – and when the money is paid by way of a mistake, it is six years from the date that the mistake was discovered or could reasonably have been discovered. I understand that your vehicle was damaged in an accident and the repair bill was paid by the insurer. Somehow or other, you were also paid about £2000 ostensibly to pay the garage for the repairs. As the car was already repaired, you didn't pay the money over or query it – but you used the money. I'm afraid that if that is a correct summary of what has happened then I would say that you are obliged to repay the money. If my understanding is correct – then you had probably better contact the solicitors and start dealing with them because I'm sure that they will have no hesitation issuing a claim against you and you will then be liable for the money, plus interest at 8% – plus a measure of costs – if the judgement sum is not paid 30 days of the date of judgement.  
    • Here is the latest draft defence aligned to each item from the POC. I have incorporated PAP detail into Item 4 of the defence in italics. Do I add the detail of CCA into Defence Item 5? Your comments, advice and suggested amendments are welcome.   1. The Claimant ('C') claims the whole of the outstanding balance due and payable under an agreement referenced “ref number” and opened effective from 27/08/2016. The agreement is regulated by the Consumer Credit Act 1974, was signed by the Defendant ('D') and from which credit was extended to the Defendant.   Defence 1. The Defendant contends that the particulars of the claim are vague and 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.   2.  The Defendant failed to comply with a default notice served pursuant to s87, . CCA and by 05/08/2019  a default was recorded. Defence 2. Paragraph 1 is denied. I cannot recall any dealing with HSBC in the past, I cannot recall the specifics of the alleged agreement.   3.  As at 18/09/2019 the Defendant owed “Bank of SCOTLAND” the sum of 3897281. Defence 3. Paragraph 3 is denied. It is denied that any amounts are due under any agreement.   4. By an agreement in writing the benefit of the debt has been legally assigned to the Claimant effective 18/09/2019 and made regular upon the Claimant serving a Notice of Assignment the Defendant shortly thereafter. Defence 4. Paragraph 5 is denied and I am not aware of service of a Default Notice by the original creditor or Legal Assignment the claimant refers to within its particulars of claim. The Claimant has not complied with paragraph 3 of the PAPDC ( Pre Action Protocol) and 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.    5. And the Claimant claims: 1. 397281;  2. Interest pursuant to Section 69 County Court Act (1984) at a rate of 8 % per Annum from 18/09/2019 to 25/08/2020 of 26171 And thereafter at a daily rate of 82 to date of judgment or sooner payment. Date 28/08/2010 Defence 5. On receipt of this claim I requested information pertaining to this claim from Link Financial & Kearns Solicitors by way of a CPR 31:14 request sent via Royal Mail delivery on 28 August 2020. To date, neither Link Financial or Kearns Solicitors are yet to furnish me with the requested information.   7.Therefore the Claimant is put to strict proof to:- a) show and disclose how the Defendant has entered into an agreement; b) show and disclose how the Claimant has reached the amount claimed for; c) show and evidence the nature of breach and service of a Default Notice pursuant to Sec 87 (1) CCA1974. d) show how the Claimant has the legal right, either under statute or equity to issue a claim;   8. As per Civil Procedure Rule 16.5 (4) it is expected that the Claimant prove the allegation that the money is owed.   9. On the alternative, if 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.   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.
    • Hi   I am not really sure where to post this , hopefully it’s appropriate here    At the end of 2017 my partner was involved in a rtc when a car pulled round a bus and hit my car that my partner was driving.   on the advice of family I instructed a car accident management company to deal with the repairs/make necessary arrangements.  The car was fixed and the accident management company paid us a couple of thousand pounds to pay the garage .  The bill never came from the garage and we were told that it had been settled by the insurance company.    when I sold the car a few months ago I struggled to sell to the garage as it was registered by my insurance as a write off.  I was offered significantly less for it because of this.    today I received a letter from a solicitors instructed by my insurance company to recover the money they paid for the repairs back in 2017.    I guess logically/morally my car was fixed and the money from the accident company is extra- although the car was marked by my insurance  as written off yet fixed!   do I need to pay them the sum they are asking or due to the time elapsed etc do I not.  The letter has made me so worried as threats of court action /costs    Thank you 
  • Our picks

    • @curryspcworld @TeamKnowhowUK - Samsung 75 8K TV - completely broken by Currys. https://www.consumeractiongroup.co.uk/topic/426151-samsung-75-8k-tv-completely-broken-by-currys/&do=findComment&comment=5069075
      • 4 replies
    • @skinnyfoodco Skinny Foods. https://www.consumeractiongroup.co.uk/topic/426130-skinny-foods/&do=findComment&comment=5068996
      • 8 replies
    • I’m in desperate need of help
       
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
       
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
       
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
       
      I’ve got copies of numerous messages sent to and from twitter messages as it’s the only way I can contact them
      I’ve also contacted their customer service too
      all I get is PayPal have cancelled refund because dispute is still open.
       
      I have proved that the dispute is closed
      I have got an email saying that if Evans sent the refund they would accept it
      but up until the date I got the email they have not once attempted a refund .
       
       I have sent them a letter before court email
      I have even offered to have the full refund as a gift card just to get this sorted !
       
      I’m literally at the end of my tether and don’t know where to turn next !
       
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .
    • In desperate need of help. https://www.consumeractiongroup.co.uk/topic/425244-in-desperate-need-of-help/&do=findComment&comment=5067040
      • 29 replies

Which is the most stupid DCA - and why?


Please note that this topic has not had any new posts for the last 3829 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Allied International Credit.

 

This week they finally sent me a letter I requested in February.

 

But it had no stamp. Cost me £1.30 to receive it.

 

Phoned up, and when I got over the shock of getting through to an actual person, she told me they could not knock it off the debt, or reimburse me the money. :-x

 

I know it's only £1.30, but it still annoys me - anyone think it's worth pursuing, even for comedy value?

 

AIC generally have elbow/posterior recognition problems.

Link to post
Share on other sites

so every time you write to them you know what to do, send it post free, post free to you that is:D

PGH7447

 

 

Getting There Slowly

---------

 

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

Link to post
Share on other sites
Allied International Credit.

 

This week they finally sent me a letter I requested in February.

 

But it had no stamp. Cost me £1.30 to receive it.

 

Phoned up, and when I got over the shock of getting through to an actual person, she told me they could not knock it off the debt, or reimburse me the money. :-x

 

I know it's only £1.30, but it still annoys me - anyone think it's worth pursuing, even for comedy value?

 

AIC generally have elbow/posterior recognition problems.

 

 

I would send them 6 or 7 letters with no stamp on & blank pieces of paper inside them, that should even up the score.

Link to post
Share on other sites

Cabot for dreaming up the stupidist lies I have ever heard. Their forgeries are a wonder to behold. Also for sending out endless letters and going to court with not a single scrap of paper on unenforceable debts then bailing out at the last minute, thus throwing their money down the drain. Idiots.

 

Moorcroft for sending out letters from their pre-litigation department, the lav in the basement, and their printed pre-paid books you never agreed to, losing lots of money,then when you say "Boo!" to them they drop everything :eek: and disappear into the nearest rat hole.

 

DLC for just being prize pillocks all round.

Link to post
Share on other sites

I have to agree with you when you mention DLC (Hillesdens)

 

Total bunch of muppets they are.

 

They paid real money for an Argos card account with no CCA whatsoever. :p

 

I send them a CCA request.

 

They send me an offer of an 80% discount if I clear the account within 7 days.

 

I send them a "30 days and still no CCA so the account is in dispute" letter.

 

They send me a "we are obtaining documents from Argos, we will send them as soon as they are received, we will update you in 28 days." Letter.

 

I send them a copy of the letter Argos sent me 3 years ago admitting there was no CCA for the account. Also mentioned that I would be charging them £12 a time for any letters demanding money from me, until they supply a true copy of the CCA for the account. (every letter has my fake signature on it.

 

Are they stupid enough to add it to a blank CCA from Argos and then try and pass it off as the real deal? Seems like it, as they have gone back to Argos for the paperwork since offering the 80% discount.

 

I should be getting their reply any day now. ;)

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

Link to post
Share on other sites
I have to agree with you when you mention DLC (Hillesdens)

 

Total bunch of muppets they are.

 

They paid real money for an Argos card account with no CCA whatsoever. :p

 

I send them a CCA request.

 

They send me an offer of an 80% discount if I clear the account within 7 days.

 

I send them a "30 days and still no CCA so the account is in dispute" letter.

 

They send me a "we are obtaining documents from Argos, we will send them as soon as they are received, we will update you in 28 days." Letter.

 

I send them a copy of the letter Argos sent me 3 years ago admitting there was no CCA for the account. Also mentioned that I would be charging them £12 a time for any letters demanding money from me, until they supply a true copy of the CCA for the account. (every letter has my fake signature on it.

 

Are they stupid enough to add it to a blank CCA from Argos and then try and pass it off as the real deal? Seems like it, as they have gone back to Argos for the paperwork since offering the 80% discount.

 

I should be getting their reply any day now. ;)

 

Keep us posted on that one Fuzzy, should be interesting.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

Link to post
Share on other sites

I hate AIC. Instead of just jwdd sending them 6 or 7 letters with blank bits of paper in, why don't we all do it? In fact, taking this a bit further, maybe we should have a week when everyone on CAG sends 6 or 7 blank letters to every single DCA we've ever heard of. Doesn't have to be just the ones we are dealing with.

Link to post
Share on other sites
I hate AIC. Instead of just jwdd sending them 6 or 7 letters with blank bits of paper in, why don't we all do it? In fact, taking this a bit further, maybe we should have a week when everyone on CAG sends 6 or 7 blank letters to every single DCA we've ever heard of. Doesn't have to be just the ones we are dealing with.

 

I'm all for winding up DCAs, so count me in.

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

Link to post
Share on other sites

Incasso for me.

 

They took me to court to get a charging order. I let them give their opening spiel, then when it was my turn I told the judge that I lived in rented accomodation, and I'd already informed Incasso at least twice in writing, I produced the paperwork for the judge. The look he gave their rep was priceless.

Link to post
Share on other sites

for me it's either Wescot for purchasing a 'debt' from Sky Subscriptions Ltd some three months after I started legal action against Sky for taking this same money from a 3rd parties credit card without legal authority, so 1. The debt didn't even exist at time of sale and 2. Sky (and now Wescot) stand to lose on a very simple legal point (nemo dat quod non habet), and 3) Trading Standards and the OFT (and OFCOM) are all already involved as this has been reported as an unfair term in a consumer contract. (Sky have recently agreed to refund the monies taken but no sign as yet)

 

or Kens Cabot for telephoning Kent Trading Standards 312 times since last June via my telephone forwarding service and still being too thick to remove the number. Bet Kent TS are pretty cheesed off with the six second calls followed up by 40-50 second calls if they're answered?;-)

As of 03/03/12 please do not under any circumstances wait for my further input or guidance on any current thread or defence of a court claim I might have been involved in on or through Cag.

Jasper1965

Link to post
Share on other sites

Capquest............ but only cos the young lady (I make no apologies for using that terminology, she was the epitomy of politeness) apologised for ringing in error whilst in default of cca request and hung up :confused:

 

I wonder what some of their employees really think of their job :rolleyes:

Link to post
Share on other sites
Jasper, I love it.

 

Fred, I think I'll send a few next week.

 

Lol............ I always send at least one rec del envelope a month.......just amazes me how handy some of the letters I've 'written' to DCA's become a few months/years down the line :D

 

Whats good for the goose is def good for me too

Link to post
Share on other sites
The young lady at Capquest has probably left by now. Clearly she doesn't have the right attitude for the job. (Or maybe Capquest have got rid of her?)

 

Bugger........ and there was me being the tart that I am hoping she'd call back :p

 

Hiya DD, have to be honest it probably wasnt the job for her....... I know some of these poor sods are only working for the likes of capquest because its all there is. I always try my best not to be rude to them (really :rolleyes: ).

Link to post
Share on other sites
Incasso for me.

 

They took me to court to get a charging order. I let them give their opening spiel, then when it was my turn I told the judge that I lived in rented accomodation, and I'd already informed Incasso at least twice in writing, I produced the paperwork for the judge. The look he gave their rep was priceless.

 

 

I wonder what the reps response was.....

Link to post
Share on other sites

Robbers in the Way would be my nomination for getting their solicitors to threaten me with court action over a debt that is in dispute because they cannot provide me with any documentation. This gives me the perfect excuse to complain to just about everyone about them!

Link to post
Share on other sites

One of these days I am going to go through my files, gather together all the pre paid envelopes I've been provided with, seal them up empty and pop them into the nearest letter box.

 

My nomination would be any one daft enough to think they are going to prise a single penny from me without a court order.

Edited by zazen.warrior
Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...