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    • yep. they are all simply trading names of perch to try and scam people into thinking their debt is going up some kind to mystical legal chain...which is BS. all dca's pull these stunts and have done since the late 1970's
    • just type no need to hit quote. what you really need to do is forget about it now they have  just steer clear of THAT ONE STORE for a few months. other B&Q's are OK. even if you do go back in, they'll simple ask you to leave, then if you return again, could invoke trespass laws BUT WE HAVE NEVER SEEN IT HERE. as for getting out of your tree about police, prison, criminal record, arrested, knocks at doors, letter of claim....NONE OF THE CAN EVER HAPPEN. and has not on these joe public low level shoplifting incidence since 2012. you've already got a scary letter ratchetting on about some mystical FAKE civil restoration scheme .  you'll probably get a few more ...NOTHING THEY CAN EVER DO. bin shred burn give to your pet hamster any money people pay CRS/RLP/DEF etc regarding their letters goes straight into their pocket and off they go down the pub and LAUGH at people they mugged. the retailer never sees a penny.  i admire your action of send £5 to B&Q. its done now and its over with....move on with your live. dx
    • 4.  Under The Pre-Action Protocol 201?, a Debt Buyer must undertake all reasonable enquiries to ensure the correct address of a debtor, this can be as simple as a credit file search. The Claimant failed to carry out such basic checks. Subsequently all letters prior too and including ,The Pre action Protocol Letter of Claim dated 7 January 2020 and the claimform dated 14th February 2020 were all served to a previous address which I moved out of in 2018. 9.   The claimant failed to comply with the additional directions ordered by District Judge Davis on the 2nd February 2024 'The Claim shall be automatically struck out at 4pm on 3 April 2024 unless the Claimant delivers to the Court and to the Defendant the following documents.' None were received by the court nor the defendant by that date. re: 13 & 15...they dont need to produce the deed, thats a private b2b document only the judge can demand sight of. i would remove 13 totally as within their WS they have produced the Notice Of Assignment. and delete it from 15 a few ideas. dx  
    • Underp04 (I think it was him) put up the statement IDR used in court from some supposed expert mr edge. can you find it? It stated 10 years was the statute barred limit but also that the laws were very confusing. very much worth digging out!
    • You'll be fine don't worry.  
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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welcome finance


clarkkent
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hi can anyone help me as i am worried. i got a car on hp with welcome car finance in nov 2008. in sept or oct 2009 i stopped paying as i couldnt afford the 340 pound per month repayments and in nov 2009 i posted keys and log book in envelope through thier office door by hand. it took them 2 months to get car and someone did cum round to try to sort out a payment plan but as im out of work i saw no point in talking to them and my wife told them i didnt live there any more as these people dont live in the real world.they then hand delivered a letter to my mums because that was the only other address they had for me which i thought was out of order as this now worries my mum. then on the 5/5/10 i got a default notice letter dated 2/5/10 saying i had 14 days to clear my arrears or contact them for proposals for settlement or it may result in legal proceedings and they may apply through the courts for an attachment of earnings order to be made.i am unemployed so can they do this.plz help as i am really worried.

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Hi Clarkkent,

I think perhaps you should start by sending a letter requesting a copy of your

credit agreement to check its validity.You can also tell them that the debt is disputed and collection procedures should stop.Use the template letters on this site.Don't telephone them and insist that they do not make visits to any of the addresses they have for you deal by post only.

I had similar trouble with this lot a few years back and they rewrote my CCA with lower payments,when I was ill and could not pay a DCA was involved and I sent them the template letter, when CCA arrived It showed I had signed it they had not. Outcome in court the were told that no contract existed.

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Hello and Welcome, clarkkent.

 

I'll move this thread to the Welcome Finance Forum.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

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Hi Clarkkent,

I think perhaps you should start by sending a letter requesting a copy of your

credit agreement to check its validity.You can also tell them that the debt is disputed and collection procedures should stop.Use the template letters on this site.Don't telephone them and insist that they do not make visits to any of the addresses they have for you deal by post only.

I had similar trouble with this lot a few years back and they rewrote my CCA with lower payments,when I was ill and could not pay a DCA was involved and I sent them the template letter, when CCA arrived It showed I had signed it they had not. Outcome in court the were told that no contract existed.

 

I have also got my original agreement which i have signed but they have not. Mine was signed for in there office i have not had a problem so far with my car account but i am just wondering could they enfore my hp if they havent actually signed the agreement

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hi postggj i cant find my agreement i must have chucked wen i was cleasring stuff but i have default notice u can see. shall i post that on here. please give me a day or so as i havnt got scanner or printer.soz.

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