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    • Is the letter headed Letter of Claim/before Claim or similar? If not, it sounds like more of the threatogram chain. If you're not sure, post up an anonymised copy of the letter and we'll check. HB
    • So guess what, we have received a final demand letter for £100. It states if payment is not made by 11/06 they will have no option but to forward the case to their litigation dept with a view to commence County Court Proceedings. So just wondering if anyone has any advice. Do we ignore this? or do we need to take action? Thanks 
    • hi dx, thanks for helping just re-reading everything this morning and I must have missed this one from uncle in his thread "What you should not do, is not contact the Banks and simply default on payments. "  are you in disagreement with this based on your last sentence?
    • Thanks for the reply and clarification, that might just explain why in my case contact has pretty much ceased. Though with such companies it doesn't mean they won't ever threaten to return to court as a tool to force one's hand if they feel they are not self informed on their chances etc.  But concerning how last year they tried to use the CCJ to get a charging order and the court granted an intirum order on our mortgage using the CCJ that would have been a good 2-3 months beyond the 6 years, should the court not have checked the age of the CCJ in the first case or would they always grant an interim order simply off the back of a CCJ being produced without even checking the age of it?.  Had I not defended that action at the time they may well have got a default using a CCJ older than 6 years which could be a concern going forwards. At the time when I contacted the court to question the paperwork for a final order application the clerk suggested people don't get informed when companies apply for interim charging orders, they are automatic if a claimant has a CCJ and people only get contacted once a date for a final order application goes through. kind of begs the question if such companies can continue a seemingly backdoor method to attempt default action if un-defended if the initial application doesn't need to check the age of a CCJ?.
    • Hello!  Wondering if someone can help with this.  I suspect not but worth a go.  I appreciate the "contract is with the seller" line, which is what Evri has fed me but wanted to see if someone with experience in these things could suggest anything else I could do here.  I appreciate there are many topics about lost parcels - My parcels weren't lost, until the driver walked up to my door with them and then decided to make them lost/stolen... I'll summarise what has happened.  Wednesday of last week - Evri delivery driver stole / walked off with 3 of my parcels.  -  Arrived outside my properly, took photos (3 separate photos as its 3 separate deliveries) of the tops of the parcels (pointlessly zoomed in on just the labels, couldn't see anything else, other than a small piece of the pavement and a little weed, which doubly confirms it was outside my door as I can see the same plant), marked the order as delivered and walked off with them.  He's marked on the Evri GPS marked that he was outside.   -  3 different deliveries, from the same company (same boxes etc.), but 3 separate tracking numbers. -  Went through the Evri bot which opened a case on each tracking number.  I then phoned them and left a voicemail explaining what had happened. -  24 hours later had a canned response asking me if the packages had turned up and to check around etc..  I responded explaining again what happened and that they've definitely been taken. -  4 days later,  this morning, I get a response telling me to ask the merchant to refund me. I've responded to this message with a long email, repeating what I said, that I believe the driver has stolen these packages and that he took those suspicious top down shots of the packages, marked them as delivered without ringing or knocking etc.  I've said that I expect them to investigate further, but I gather they won't. In my several messages to them initially and later, I told them I don't care about a refund and wanted the parcels.  They contain some sentimental stuff, nothing of high monetary value, hence me going to this trouble.  I only paid £25 for the contents. I did contact the merchant when this first happened and they asked me to wait a few days.  They ended up refunding me despite me asking them not to and that I wanted them to escalate it with Evri because this appears to be a case of theft.  They didn't seem bothered - Refunded me and told me to go back to Evri and escalate it with them? So - Is there any way to compel Evri to conduct a proper investigation with this driver?  Search for my parcels? I have quite a lot of deliveries handled by Evri (not out of choice) - They used to have a fantastic chap and I rarely had any issues.  He has been replaced by a new guy and I believe the route is handled by this same guy who I believe has taken my packages.  Naturally, I fear this is going to happen again in the future if no investigation occurs. Appreciate any assistance - Thanks for reading. Al.  
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Hoist/? Claimform 2008 abbey credit card 'debt'


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don't waste your time

we've all see the threat-o-grams before

 

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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you are right

 

you have probably seen them all before,

 

just waiting for the next one to arrive.

 

By reading some of the other threads about CSL hubby is expecting a pink letter to drop anyday now,

 

as they have written given us the last chance.

 

Wil it ever end.

 

We have the task of going through the sar this weekend,

 

when it arrived it was terrible with NO notice of Default not to mention no letters of assignment,

 

so would have to presume that this account is still with santander and has not been sold on?

 

fdao

xx

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they don't HAVE to send any physical paper copy

all that has to be shown is that they was probably sent

i'e a log from an automated system

 

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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well that makes us feel just great,

 

this account had been passed from pillar to post and by what you are saying

Santander only have to show a log?

 

whats the point in sendig a SAR?

 

if they dont have to provide anything?

 

despite all the letters we have written?

 

may aswell just wait for the cout papers, begnning to feel hopeless.

Edited by Feelingdownandout
typo
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to be honest this has been going on since june last year and nowt has actually happened.

 

you have got to accept you are on a phishing list

 

its time to totally ignore everyone now

 

if they were going to court they'ed have done it by now.

 

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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Would this not be more appropriate in the DC forum DX considering theres not even litigation yet?

 

 

Andy

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yes

i think it came from another thread that was already in legal

 

moved to DCA general.

 

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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Have 1st Credit advised you that they are now the owner of the account ?

 

In 2009 1st Credit were censured by the OFT for pretty much what they are doing today lol. Apparently they were to report back to the OFT every 6 months .. in respect of those people they had threatened with Court action/bankruptcy and how many they had actually taken to court and got judgments against.

 

I havent read through your thread so can you please give us a summary of what has happened to date, please :).

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Hi CitB I

 

n summary acct was with Abbey (now santander),

was passed to 1st credit

then to connaught,

then to wescot,

 

not to mention Howard Cohen

 

now to CSL.

 

have sent CCA but was sent recon T&C's, sent prove it letter to Wescot

 

who put account on hold for a week then passed to someone else for chasing,

 

had sar back which was poor to day in the least,

 

now getting threatening letters from CSL which have us worried,

 

debt is for approx £1900,

 

CSL sent a part settlement offer offering £300 off if paid by todays date,

 

which of course we have to pay (not).

 

in a nutshell thats it. sad really arent we. :-(

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its approx £1980.00 and yes Ithink its been defaulted by abbey. no CCA as yet, just been avoiding it, and offered £50 per month and they refused unless he made a down payment of £400.00, 1st Credit then sent it to Connaught, which I have found out is the same company, and I have avoided them to be honest. The last letter was saying that they were preparing court papers, so god knows what comes next.

 

I see this thread first started in June 2010 and as dx has said.. although you have been threatened with court many times, this hasnt happened. It begs the question why. So I looked back over your thread and noticed you had made an offer of repayment and it was refused.

 

I guess if you want to, you could respond to whoever, advising that you had made an offer to repay £X amount which was refused.. Therefore if the company wishes to issue a claim then you will bring this to the attention of the court.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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well he has had the pink letter with a discounted offer on it,

 

saying pay by 20th Or else,

 

what we dont quite get is why the SAR was so bad,

 

but as DX said they dont have to send it as long as they can prove it was issued thats the bit that gets us down.

 

We are beginning to question if the best thing is to offer again a monthly sum and see where it goes?

 

who knows.

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FDAO

 

Your link from the other thread worked! I really don't know why you're still panicking - or were made more worried by Diddydicky's thread.

 

As everyone who has any sense has told you - RELAX! STOP WORRYING! THE DCA's can do NOTHING on their own. Pay NOTHING on this until you have a copy of an enforceable CCA - which is unlikely to happen now, otherwise it would have been sent.

 

Any "guest" DCA reading this will be DELIGHTED their efforts are having the desired effect on you. They are very good at psycholigal warfare - but hopeless at legal warfare. CSL are toothless and 1st crud have been given their final warning and could lose their licence.

 

If you really don't just want to have some peace and quiet and get on with the rest of your life and ignore them, then send a letter threatening to report them to OFT, FOS etc. It only takes a couple of minutes of your life to read every letter they send - but a lot longer if you reply and keep worrying - SO DON'T REPLY AND STOP WORRYING!

 

You will be left in NO DOUBT if/when (but when is NEVER) you get a SERIOUS "pay up or we'll sue you" warning. Only the OC can sue you unless they've sold the debt - again you'll be left in no doubt if it's sold - and the new owner will try for ages to avoid court action too.

 

I first got into real money trouble in 2003 - then took until 2007 to get any of them sorted out - lots of threats in the intervening time but NO COURT ACTION. I'm still in dispute with several OC's - but 7 years later - still no court action!

 

I don't think I've been lucky - just typical.

 

BD

Edited by Bigdebtor
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time to ignore everyone

 

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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  • 2 months later...

Don't let their tactics get to you. That's what they want!

 

I have been getting these sort of letters since before 2005 - and no one has yet issued court papers. All letters I have got only said we MAY take Court action - none have ever said we WILL.

 

Have you read up on PriortyOne's CPUTR 2008 thread? Some comforting reading (and good ammo) on there.

 

BD

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well another letter has arrived this morning

 

giving 10 days to pay the debt and stating that we must contact them within 7 days,

 

big red letters telling us not to ignore this letter in the same way as he have previous letters.

 

I knew it would start up again.

 

No I havent read that thread,

 

I will take a trip over to that thread at lunchtime and read in quiet, hopefully I will get some comfort.

 

fdao

 

xx

 

Have spent my lunch reading through some of the posts on P1's, and

 

on further reflection am beginning to feel down about this whole situation.

 

Just want it to be resolved and cant see myself finding £1800 out of nowhere,

 

Santander wont acknowledge us or any of the letters we have written,

 

the letters will continue,

 

perhaps we should just ring Wescot and tell them what we will pay and have done with it.

 

If we lose our home or if they petition for my hubby bankruptcy then so be it,

 

not sure what will happen after that,

 

suppose the Council will have to home us.

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FDAO

 

That's EXACTLY how they want you to feel!

 

You're a LONG way from any of that happening. read some other related threads and then see what other ammo you can use. CPUTR 2008 is VERY powerful.

 

Remember too it's NEVER too late to offer a 50% F&F - but it CAN be too early - like NOW is FAR TOO EARLY!

 

EVEN IF they took you to court - and you lost - any judge will give you time to pay at monthly rates you CAN afford. You will NOT lose your house on an unsecured debt as "small" as this one!

 

BD

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  • 3 years later...

Hi Everyone

 

Its been some time since I have posted. Life has most certainly moved on.

 

I do have a question today though, which has been prompted by a lovely letter from a debt collection agency (no surprise there).

 

I wondered if someone could explain to me what stature barred means and how it applies.

i.e. at which point does it apply.

 

 

Is it the last time i made a payment, or the last time the credit company contacted me?

 

I have never understood how it worked and what it meant, so any advice would be helpful.

 

Thank you FDAO

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tell us about the debt first please

 

 

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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It would be from the cause of action. This would normally be 1 month after your last payment.

 

If you have made no payment for 6 years (5 in Scotland) or Acknowledgement of the debt, it becomes Stat Barred. It does not matter if they contact you (except for a CCJ)

 

Stat barred means the debt is still live, but once you tell them to FO, they have to stop chasing. In Scotland the debt is dead.

 

Your last payment may well be different from the defaulted date, the default date could be 6months later than your last payment.

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It would be from the cause of action. This would normally be 1 month after your last payment.

 

If you have made no payment for 6 years (5 in Scotland) or Acknowledgement of the debt, it becomes Stat Barred. It does not matter if they contact you (except for a CCJ)

 

Stat barred means the debt is still live, but once you tell them to FO, they have to stop chasing. In Scotland the debt is dead.

 

Your last payment may well be different from the defaulted date, the default date could be 6months later than your last payment.

 

So what about correpondence that I have received? as in statements etc?

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