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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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DG Solicitors


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Hi all,

 

I've received a letter today from DG solicitors who my fiance and I have a CCJ with. The letter requests that we complete an attached income questionnaire and return it within 7 days with a view to increasing our payments.

 

The CCJ was set for £10 each monthly and my fiance has just recently got a job after a long period of unemployment. We have prioritised our debts (sadly this is not the only one) and have decided to pay the ones with interest first as this would be the most cost-efficient way of paying them and would rather increase the payments to these debters instead of DG.

 

Obviously, there is no interest on our CCJ. This means that whilst we can pay more money to DG we would prefer not to just yet.

Am I right in thinking that DG Solicitors are unable to ask for a review without going through the courts?

 

What are our options? Can we just ignore this letter and continue paying our £20 a month (we have never missed a payment), or do we have to fill in this form. Where would we stand if they did go through the courts bearing in mind that most of our disposable income will be going towards other debts instead of this one?

 

Fzzz.

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Yes correct, they have to go to the courts to get a redetermination, they can't just request you pay them more...fools..

 

Besides, they are not legally entitled to this private and confidential information, only a Judge is, and as it appears they would like to act behind the courts back, sounds like they want to cream a little of the top to me (allegedly) It might be worth your while giving the court a ring who issued the CCJ and let them know of this.

 

It might also be worth, in fact it will be worth informing the SRA about this companies underhand tactics.

Solicitors Regulation Authority - For solicitors

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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I should probably clarify what I've written above as I've just realised I typed that I have a CCJ with DG Solicitors which isn't the case, they are acting on behalf of HSBC Ltd. Don't know if this will make any difference or not.

 

Bazooka, thanks for the advice. I was pretty sure that they couldn't do this but needed some clarification. This isn't the first letter they have sent but I ignored the first one as our circumstances haven't changed.

 

I am more concerned that now that our circumstances have changed for the better that they will insist upon legal action to change our payments. We will be increasing payments to other debters (as mentioned above) but these are not legally enforced debts so would this give HSBC any room to manoeuvre a better payment plan for themselves at the expense of these other companies if they did take us back to court?

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Yes understood.

 

Regardless of whether your circumstances have changed or not, you still do not have to provide DG with any such information, it has already been decided by a Judge in a court as to the amount you can afford to pay, and as long as you are paying it then thats that.

 

If your circumstances changed for the worse, then you would still have to go back to court to get a redetermination or a variation to fit your new circumstances, just because they are Sol's does not mean they can circumnavigate the legal system.

 

What other debts do you have, are these unsecured debts, credit cards, loans?

 

You can still ask to see proof that these others can legally collect money from you, it's a simple letter telling them to provide the agreement you initially took out for the credit.

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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DG are HSBC in-house solicitors.

 

As has been said, it's for a judge to decide and you would have the opportunity to explain why you don't want/can't pay more than has already been awarded.

 

Don't worry about things that haven't happened.;)

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Thanks for the advice Caro and Bazooka, you are both very helpful!

 

The debts we have that we pay interest on are a credit card with 27.9% interest. This is only for £600 so should be off within a month, and credit card with approx £4500 on and pay interest of 7.9%. This is currently being underpaid with an unwritten agreement from the credit card company (Lloyds TSB) for £10 a month. This is the one that we want to get rid of ASAP because obviously the agreement is not legally binding and they could revoke it at any time. Also the interest is a stinger.

 

The CCJ from HSBC is for £18,582.47 which is a huge sum for us and we are obviously paying a drop in the ocean towards it but we don't envision paying that amount forever and would like to increase it.

 

We also have another CCJ with Howard Cohen and Co the collecting solicitors which we currently pay £10 a month towards which is a debt of £3356. Again, the payments will increase on this as soon as we have paid the first two debts off.

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Guest HeftyHippo

The bank had a choice of having a discussion with you about how much you could/would pay them, or to let a judge decide how much you should pay.

 

They chose the latter. An advantage to them is that getting a CCJ means it can be backed up with sterner action. A disadvantage is that the court sets the amount, and only a court can revise, up or down, that amount. Another is that they can't charge interest

 

They made their bed, let them lie in it. Your other creditors chose the former route. An advantage to them is that they can charge interest, and that they can vary the amount. The disadvantage is that you could stop paying.

 

Ask/negotiate with the others for them to stop paying interest. One tactic recommended by some, if the interest is taking a big slice of your payment is to say that its a waste of time paying anything because of the interest, and you would be better off with a CCJ. Faced with that implied threat, many will reduce or stop interest. If you step up the payments though, they will see no reason to stop interest as you obviously can pay.

 

DG are probably looking at your credit report and can see how much you are paying others eg the accounts with interest and are jealous and want some of it. You cant blame them - you owe the most to them, they arent charging interest, but youre paying more to others. Tough. Thats the downside of having a judge decide how much a CCJ is worth.

 

DG are not entitled to know anything. Dont enter into correspondence, if they dont like it they can speak to the judge.

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How old is the Lloyds CC?

 

If you are confident you can clear the first debt of £600 easily enough, then I would do so, and you could possibly send Lloyds a CCA request, depending on the age of it, to check they have the correct documentation to be requesting payments.

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 Lloyds credit card debt is quite an old one. It's my fiances and I think he has had the card for about 3 years. The £600 has been paid off today and payment should be with the company in 5 days time.

 

I don't know very much about requesting a CCA, but as I understand it I'd be requesting they prove documentary evidence that my fiance signed and returned a credit agreement to them and that it is also signed by one of their officers. Am I right?

 

You mentioned that I could do this depending on the age of the agreement. What is the timeframe that we have available to contact them in this case?

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Good to hear one of them is all done and dusted.. well done.

 

A CCA request is to ask them to send you the original agreement, or a copy of, so that you are able to determine whether or not they have done what they are in the business of doing, and completed the agreement properly.

 

Normally it is advisable to do this if they start acting up and playing silly buggers, so if for instance you have asked them to stop the interest and they refuse to do so, then they should be sent the CCA request, or, if they have agreed to a regular payment of say £10 a week/month, then suddenly pass your account to a DCA without your knowledge, then again a CCA is recommended.

 

The CCJ debts are your priority so, so long as you continue to make good those payments no further action will be taken.

 

If Lloyds have been asked to stop interest, and have failed to do so, then a CCA request is the most logical route to go, they will have to provide you with the agreement within 12 working days of them receiving it, or the account can be placed in dispute and payments withheld until such time as they produce one, and an enforceable one at that.

 

As for the CCJ's, if you wish to increase the amounts to a level you can afford, it is strongly recommended to go back through the courts and do it officially.

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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