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    • So I am now in receipt of a second Letter of Claim this time from DCBL although their letter head now says " DCBLegal"  😱 Now I'm guessing one response to a letter of claim is sufficient and I could ignore this but having been inspired by other snotty letters I wanted to have another bash at one. How does this sound? Dear Lackeys of Company with Unconscionable Morals, Thank you ever so much for gracing me with yet another Letter Before Claim on behalf of Excel Parking Services. How many of these delightful missives do you plan on sending before you muster the courage to follow through on your threats to take me to court? Just so we're clear, here is the response (in italics by that I mean the slanted text below) I previously sent to Excel’s Letter Before Claim, in case your attention to detail is as lacking as I suspect: I am currently 2-0 up in terms of Small Claims Court proceedings and I look forward to the opportunity to claim a hat trick, this case being more straightforward than my previous two. I will be asking the court for an unreasonable costs order under CPR 27.14(2)(g) due to your conduct over this absurd claim. Despite my best efforts, you continue to assert that I have breached your terms. However, I cannot breach terms that I was not present to accept. Have you even read my initial response? I suggest you review it thoroughly and save yourself some money. Additionally, please refer to section 13 of the IPC Code of Practice, 2023 edition. I eagerly await your deafening silence. Remarkably, I haven't heard a peep from Excel since my response; instead, they've passed the baton to you to perform this tiresome routine once more. Consider this my official notice that I am sending a cease and desist letter to Excel Parking Services. Their relentless hounding has crossed the line into clear harassment. Any further demands for payment from you, as Excel's lackeys, will be regarded as nothing more than shameless acts of intimidation and harassment. I now look forward to the deafening sound of your silence. Yours sincerely,
    • Personally I'd go to it and object for the sake of it. They have to attend anyway so I can't see you being liable for any costs or anything (if they try to ask for attendance costs, just say that firstly it is their application, secondly it is from their own making, thirdly that they would have to come anyway so you shouldn't need to bear their costs.   When you turn up you should object on the basis that the witness has been in office since the time of the order, and could have done their witnes statement in advance of their AL. Their poor planning is not your fault, 7 days is too rushed for you as a LIP and there is no good reason that a company can't organise itself to sort WX in time. Also they say finalise so they already have something, its not like thye have nothing. Their amendments cannot be so important if they are being added so late.   see what @AndyOrch says but that's my thoughts  
    • Yes, in the main your understanding of my case is right. Linked below to the post with the final WS sent to the court and to Evri.   
    • Hello, welcome to CAG. As you say, appealing this ticket doesn't help as these people hardly ever accept appeals. They don't care how difficult someone's life is, they just want the money. The forum guys should be along later with thoughts for you on how to deal with this. Best, HB
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Lowells a few months ago chasing a debt of £334.56 from Redcats Finance


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Home Shopping Direct companies have agreed reduced payments but are still charging interest.

 

Next has stopped interest and agreed reduced monthly payments.

 

Studio have agreed the £10 a month

 

Think when I start maternity leave I will write again enclosing an I&E stating I can only afford £10 a week per creditor

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I notice one of the Home Shopping Directs monthly payments is £42.00, of which £26.00 is the service charge, so only paying off £16.00 a month of the outstanding balance!! This could take forever! I presume the other Home Shopping Direct accounts are charging similar percentages!

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I have set up payment arrangements with my catalogue companies explaining that I will be going on maternity leave and won't be able to pay the full monthly payments due once my maternity leave starts. By the time maternity leave starts I would have been in these arrangements for 5/6 months.

 

Once I am on maternity leave I won't even be able to meet these reduced payments, so was going to write to the closer to the time with an I&E showing I can basically afford £5 / £10 a week per creditor. Is this the right way to go about this?

 

Just planing ahead, thought I would do the letters ready to post closer to the time.

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  • 1 month later...

I have set up payment arrangements with my catalogue companies explaining that I will be going on maternitylink3.gif leave and won't be able to pay the full monthly payments due once my maternity leave starts. By the time maternity leave starts I would have been in these arrangements for 5/6 months.

 

Once I am on maternity leave I won't even be able to meet these reduced payments, so was going to write to the closer to the time with an I&E showing I can basically afford £5 / £10 a month per creditor. Is this the right way to go about this?

 

At present only Studio & Next have stopped interest. JD Williams accounts have reduced payments but not stopped interest!

 

Just planning ahead, thought I would do the letters ready to post closer to the time.

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  • 4 weeks later...

Hi again

National Debtline do one

http://www.nationaldebtline.co.uk/england_wales/budget_sheet.php?country=england_wales

 

There are also a couple of budget planners HERE

 

Remember, You are after them to stop the interest and charges and to accept reduced payments for the time being. If they refuse to treat you fairly, you must complain.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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  • 4 weeks later...

Have agreed to Next payment for next three months.

 

The other creditors I e-mailed (JD Williams companies) with my I&E form, they never answered, chased up, they have e-mailed back today asking if I can call them where an account manager will try to help, they are unable to accept further e-mails regarding my account

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  • 2 weeks later...

can you give us more details? one point if I sent you a letter saying pay me £127.92 and pulled together some statements would you pay me??? if its no why would you pay them?

I know my rights Mr DCA I'm with the CAG......hello hello where you gone Mr DCA8)

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Hi, Ronnie.

 

Any charges you could re-claim ?

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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Can you remember when you laat made a payment or

acknowledged the account?

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

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So Lowell are getting out of their box for £112 + charges they must

be BL**DY desperate:madgrin:

 

Put them through every hoop of the prove it and CCA process.

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  • 2 weeks later...

Received a letter from Lowell basicaly saying that the balance realtes to an Empire Stores account opened on 8th April 2007.

 

Notice of assignment was sent in writing on 14th June 2010.

 

Statements were sent on 15th July 2011

 

They have requested copy of agreement from original creditor & they are still awaiting receipt of it

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  • 3 weeks later...

I have noticed from your postings history that you tend to set up a new thread each time you receive a batch of communications. If you want to find an old thread, if you click on your CAG user name, you will find all your previous posts. In your post history, you will find that you have previously mentioned this debt. Also in your separate Lowell/Three thread, you had mentioned the Three debt back in 2009 in a previous thread.

 

I don't know whether it helps others on this site, but I prefer to see the history of debt collection under one thread, so you see what has happened with a debt. If the information is spread out on many different threads, it can be a little confusing and can cause duplication or worse wrong advice being offered.

 

In regard to the query on this thread about the CCA not being signed, I am not sure this is a problem in terms of them taking you to court, given the date you took out the account. I think the changes to the Consumer Credit Act that came into force just before you took out the account, mean that they just need to evidence that the debt exists. BUT given the amount of the debt, perhaps this is not a priority to them, as even if they took it to court, it would probably not be economical for them to do so.

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Is the this a recon ie. T's & C's with no

boxes to fill or just a blank for post it up if you can,so people

can advise on the validity.

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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