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    • So @theoldrouge where was farage during the D-day honors/remembrance ? He was quick to trash Sunak - but at least sunak showed his face heh?   Sunak perhaps needs to slip some dosh to led by donkeys to fund some banners in Clacton heh? Suggestions: D-day - Sunak maybe ran, but Farage never even showed Farage I'm the only one who can change my mind - dont you plebs think you can Clacton, who wants to spend time in Clacton? 48/52 is unfinished business - ooops eerrrr no it is  ...  err well unless is what I lose by Reject me 1 times shame on you, Reject me 7 times shame on me    
    • Yep let us have a good laugh eh from today’s Telegraph 🤣😂🤣 the rest must try harder    Farage won Friday’s election debate, a poll finds Nigel Farage won Friday night’s seven-way BBC election debate, according to a poll.  A snap poll of 1,031 voters by More in Common found most thought Mr Farage won the debate, followed by Angela Rayner. Mr Farage received 25 per cent of the vote while Ms Rayner received 19 per cent. The Green Party’s Carla Denyer was the third most popular with 11 per cent, Stephen Flynn for SNP received 10 per cent and Penny Mordaunt, the leader of the House of Commons, took 7 per cent of the vote. Daisy Cooper, the deputy leader of the Liberal Democrats and Plaid Cymru’s Rhun ap Iorwerth took 5 per cent and 2  per cent respectively. The debate saw Britain’s main seven political parties clash ahead of the general election on July 4.  Mr Farage, who returned to frontline politics for Reform this week and is standing as an MP in Clacton, challenged his political rivals on immigration and net zero policies.
    • Hi CAG Team, I'm seeking your skills and help for a NtK my partner received through the post earlier this week. To give a little backstory, my partner and I, along with our young children (4 and 7), decided to go on a camping holiday about 3 hours away from us. We took a car each because we didn't have enough room in one car. We arrived at the services at very similar times as we followed each other the whole way. So, two cars. My partner has received this NtK, but I haven't. This NtK dropped through the front door on Wednesday, June 5, 2024.  We both parked in the Burger King car park, not in BP; we got out, all went for a toilet break, got some food from the BP garage and returned to our cars to eat.  After eating, we took the kids to the toilet again before leaving to complete our journey. I didn't notice any parking restriction signs and can't get back to the location due to how far away it is. I noticed another person had an issue here and reported it to you, and they managed to get the charge dropped. See below. To me, it looks like they have cameras at the complex's entrance and exit. I'm not sure if they own the land/car park by Burger King, I'm not sure if this is a legal contract or not.  I find that 30 mins limit at a Services that serves hot food to be ridiculous and unfair, especially as we had kids to feed and water.  And the fact that I didn't receive the same NtK despite us driving in and out together is just crazy. This is the location - I also uploaded a map image. Google Maps MAPS.APP.GOO.GL ★★★☆☆ · Restaurant 1 Date of the infringement 24th May 2024 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 29th May 2024 3 Date received 5th June 2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] N 5 Is there any photographic evidence of the event? Y - Only entering and exiting the complex/land. 6 Have you appealed? [Y/N?] post up your appeal] N 7 Who is the parking company? MET 8. Where exactly [carpark name and town] BP Blue Boys, Tonbridge TN12 7HE For either option, does it say which appeals body they operate under. POPLA I hope you can help me out with some guidance on how to proceed with this. Let me know if you need anything else. Thank you, Passerby0233 2024-06-08 13_17_52-Burger King - Google Maps — Mozilla Firefox.pdf NtK_29-05-2024.compressed.pdf
    • Which Court have you received the claim from ? Civil National Business Centre (Northampton) Name of the Claimant ? PRA Group (UK) Limited How many defendant's  joint or self ? Self Date of issue – 23/5/24 AOS - Tues, 11/6/24 (19 days)  Defence - Thurs, 25/6/24 (33 days) Particulars of Claim 1. The Claimant claims the sum of £7926 for an outstanding debt owed. 2. On 20/4/18 the Defendant entered into an agreement with Lloyds Bank for a Credit Card under reference [16 numbers]. 3. On 10/5/22 the Defendant defaulted on the agreement with an outstanding balance of £7296. 4. On 28/11/23 the debt of £7296 was assigned to PRA Group (UK) Limited, who itself assigned the debt to PRA Group UK Portfolios Ltd on 30/12/23. Notices of assignment were sent to the Defendant in accordance with S136 Law of Property Act 1925. The Claimant has instructed PRA Group (UK) to act on its behalf and the CLAIMANT CLAIMS 1. The sum of £7925 What is the total value of the claim? £8481 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes Did you inform the claimant of your change of address? I believe I sent a letter by registered mail of a change in address to abroad in 2021. Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit card When did you enter into the original agreement before or after April 2007 ? After Do you recall how you entered into the agreement...On line /In branch/By post ? Online Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? Not personally - probably sent to my parents Did you receive a Default Notice from the original creditor? Not personally - probably sent to my parents Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Not personally - probably sent to my parents Why did you cease payments? Unable to afford, living abroad What was the date of your last payment? Unsure (probably 2021) Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No ................... I have read through a number of similar threads, one thing i'm not sure how to proceed about is that I live abroad in the middle east and have done for several years. The claim letter was sent to my parents address and I really don't want them to be harassed about this. I am sure I sent the original creditor a registered letter with my change of address but can't find this currently. I am not in a position to pay this, and tend to come back to the UK to see family at most once a year (less since Covid),  not particular bothered about my financial score...more concerned about harassment of my parents. I have not registered on the gov gateway or anything like that.  Details below (as best as i can), and thank you for taking the time to look into it. Also redacted claim form attached: Claim form 23-5-24.pdf
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Vanquis Bank CCA request


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Hi all, I'm new here so please bear with me if I post something wrong. Fabulous site by the way!!

 

Anyway down to business:

 

Back in February of this year I did a CCA request on Vanquis. They sent me back a letter containing a copy of some statements and what they said was "a copy of the executed agreement being the Vanquis terms and conditions" and also "a copy of the latest notice of variation relating to agreement". Basically a photocopy of their terms and conditions, but didn't even mention my name, address or have my signature on it.

(For information purposes I opened the account in January 2007 and I think it was over the internet)

Since doing the CCA on them, I also managed to reclaim about £300 worth of charges. Since then they've clobbered me for a load more charges and jacked up the interest rate to above 54%.

I've not made any payments into the account since February as they didn't reply to my letter about ratejacking.

I've also received three or four letters from Impact collections (Vanquis in house collection team) offering me over 50% off my balance if I repay in full before certain dates. All of which I ignored as they didn't reply to any of my letters requesting them to cease all charges and interest on the account and to set up a repayment plan with them!!

Then back in June LCS solicitors (I think they're in house solicitors) sent a letter requesting payment in 14 days on behalf of 1st Credit. I ignored this as well.

A couple of days ago I received a letter from Creditlink Account Recovery Solutions C.A.R.S. I've just CCA'd them and told them I don't acknowledge a debt to them.

What should I do now? Send another letter to Vanquis stateing they have not fulfilled a CCA request.

Any suggestions would be gratefully appreciated. I'm more than willing to fight them all the way!!!

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Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hi guys, I sent off the "in dispute" letter to C.A.R.S. on the 27th July. Just received a letter from them today saying they're going to send an agent round to the house "to establish a reason for non payment". Their letter is dated 28th July.

Is it worth sending them another letter or should I just ignore them. Would it be worth sending a copy of the trespass letter to them? Is it worth getting a video camera set up, just in case they do pop round. Any advice will be greatly received. I have no problem with calling the police round to remove them from my property.:D

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Send them this:

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/591-dca-home-visit-if-you-receive-or-are-threatened-with-a-doorstep-visit-

 

IF they turn up, which is doubtful, ask them to leave. If they don't then phone the police on 999

 

Plus what HS said - sorry HS, crossed posts :D

DCA's - they have the same power as an infinite number of untrained chimps working on a script for Hamlet, but the chimps would probably at least get it right :D

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  • 2 weeks later...

Just got a letter from C.A.R.S today saying they have received my correspondence, but unfortunatley it contained insufficient information for them to resolve the matter. It also adds that they have decided to suspend proceedings against me for 7 days so that they can collate further information and that they require me to cantact one of their recovery specialists on a nice highly pricey 0844 number.

Any suggestions on the next course of action? Do nothing? Report them to the information commisioner? Any suggestions greatly received!!

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Bloody plonkers....the letter you sent them was telling them the account was in dispute yes?

 

Well what other info do they need? Ignore them, irritating imbeciles, another outfit drawing wages under false pretemces.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 9 months later...

Well almost nine months have passed and i've had peace and quiet! Untill last Saturday morning when a notice of assignment dropped through the door. Apparently they've sold the debt to Arrow global, who in turn have got wescot working for them. Now call me stupid but if the account is in dispute surely it's illegal to sell it and pass on information to a third party. Anyway i fired off the old account in dispute letter to Wetclothes a couple of days ago telling them to return it to Vanquis. Is that all I need do, or should i go and report Vanquis to the OFT, Information commisioner etc etc?

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No No No! You MUST ALWAYS complain about DCA's to the OFT&TS, the FOS, BBC Watchdog your local MP and even the local press!

 

Any one you can think deserves to get the complaint also...

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Vanquis Wetcloths, they're all the same, miserable low life puerile tin pot outfits feeding off other peoples misery to live a deluded materialistic existence.....I'll check and see if I haven't got the Pope's address too!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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The Vatican,Vatican City, Rome, Italy.:madgrin::!:

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 3 weeks later...

Just to keep everyone updated, got a letter from Wetclothes the other day saying there client had sent them instructions to withdraw the account and that I would not be hearing from them again!

I think I might be up for a bit of peace and quiet at last.

Thanks everyone for your help in this matter:whoo:

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Great, but please don't be shocked or worried if this crops up again these

banks etc. will shut up for a while then sell the debt to some other lowlife further down the food chain.

If it shows up just qoute what you have been told by Wetcloths, no proof no pay.:madgrin:

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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