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    • did you submit your directions
    • They have defended the claim by saying that the job was of unsatisfactory standard and they had to call another carpenter to remedy. My husband has text messages about them losing the keys a second time and also an email. What do they hope to achieve??? Most importantly,  as far as I have seen online, now I need to wait for paperwork from the court, correct?
    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Hello - General enquiry


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Hello Everyone I am new to this forum so I thought I would say hello :D

 

I have just been hoping this would just go away but it hasnt. I am now getting quite frustrated because I dont know what to do.

 

I need advice concerning a company (Health First based in Southam, a chiropodist) they have charged me for services not received. They are charging me for missing an appointment even though i had canclled it due to my working being reduced to a 3 day week so I couldnt afford it. I was not aware that this could happen, at no time was I made aware by them that it could.

 

They kept on sending invoices to me adding administrave charges, they have now given my details to their debt collectors company called Feet First (Southam) Ltd who in turn have instructed a company called P&J Debt Collection Services based in Hemel Hempstead.

 

They are now threatening me with court action unless I pay the bill which has risen to £169.99

 

I feel that this is wrong I didnt receive any services from Health First and they tried to initally charge me £80.00 for the appointment then they have added on administrative charges rising to £120.00 before handing it on to their Debt Collection companies.

 

I am still on a 3 day week so cant afford to pay for things i have never had.

 

Please can someone help i am so worried and feel sick.

 

Regards

 

Tony

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dca's have no legal powers

ignore them

its just a phishing trip.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks for responding fast

 

So what your saying is even though i have received a letter requesting payment or they will advise clent to issue county court proceedings against me.

 

I should just ignore it?

 

I probably havent made myself clear as usual. I shall type word for word.

 

Letter from P&J Debt Collectors

 

Outstanding Balance of £169.99 Due to Feet First (Southam) Ltd

relating to services

 

We have been instructed by Feet First (Southam) Ltd to recover the above outstanding debt.

 

PLEASE NOTE: PAYMENT FOR THE FULL AMOUNT SHOULDBE MADE BY RETURN OR WE WILL ADVISE OUR CLIENT TO ISSUE COUNTY COURT PROCEEDINGS AGAINST YOU WITHOUT FURTHER NOTICE OR DELAY.

 

Then it goes to say An adverse court judgment could make it extremely ... etc etc.

 

If there is a valid reason for non payment of this account DO NOT IGNORE THIS LETTER. Disputes must be notified to me in writing supported by clear documentary evidence.

 

Yours sincerely

 

Tom Lynet

 

END OF LETTER

 

Sorry for being a complete pain.

 

Regards

 

Tony

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std phishing letter.

 

ignore it.

 

have browse around some threads here

 

you'll soon get the idea.

 

DCA's have NO LEGAL powers..

their letters are littered with the words:

 

if, could, might, maybe, .

 

it is designed to make you 'do something' which leads you to pay them.

 

there is no-way they will go anywhere near a court for £120!

 

also, DCA's have no authority to add ANYTHING to a debt either.

 

ignore.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 1 month later...

I dont think ignoring something like this is a good idea.

 

Some companies do advertise they will charge for broken appointments. This is to stop people "just not turning up".

 

If you gave sufficient notice of cancelling your appointment ie at least 24 hours. Then I can see no reason why a charge woud be made.

 

Were you advised at any time that a charge would be made for missed or broken appointments ?

 

If you werent then I dont think there is any way they could charge you.

 

Debt collection agencies are becoming very aggressive in their collection activities, so an initial letter stating the facts to see them off quickly is IMHO a good idea. Something along the lines of..

 

Dear Sir or Madam

 

Fact : Sufficient notice was given that the appointment was no longer required.

Fact: At no time was it ever explained that a cancellation charge would be appplied

Fact: At no time did I agree to this charge, if indeed one was ever mentioned.

 

Yours etc.

 

I would also be checking my credit reference files with the 3 main Agencies in order to establish that no record of a default with this company has been recorded, because this could affect your ability to obtain credit in the future.

 

I have moved this thread to the General Debt forums.

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well its now 6weeks since...

i wonder if the op has got anymore threat-o-grams.......

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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