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    • Sorry not great with forum technology,  it says accepted file types jpg ongoing etc which I believe the file type was png or at least that's the details showing up on my phone, I'm even less good with conversion of the aforementioned so, I think we'll just leave that one then.   Also I think you mean because he supplied no cancellation information prior to the contract that automatically negates me having to pay / or be charged from the balance of the car any costs associated with the return, he also has to refund me the cost of delivery, however I am actually willing (maybe) to let that one go apon receipt of a refund.    This situation has already been the source of great stress
    • Don't just sign or agree to anything.   You need to be careful and not sign anything until you fully read a new TA making sure they're not  a "break clause" in it.   "A break clause is a term in the tenancy agreement that gives the landlord and/or tenant the right to end a fixed term tenancy before the expiry of the fixed term period"    
    • Is there a reason they took so long to send the PCN? The car was on hire or a change of address perhaps. As they have not claimed to be using POFA it is important that you do not reveal the identity of the driver. No POFA means they cannot pursue the keeper so just ignore everything from them and their unregulated debt collectors and ignorant second rate solicitors. [Sorry that was a slur on second rate solicitors].  Just ignore them all. To go to Court they need the name and address of the driver so if you ignore them there is no chance they will find out. While that does mean that you are not liable to pay them a penny they won't look at it like that and pretend that you do owe them-probably escalating the bill every time they write. This works in your favour as the most that they can ask is the amount on their signage but they always seem to want to overcharge which gets them a slap.  All you have to do is let us know if they stupidly decide to send you a Letter of Claim [it's probably more greed than stupidity but they do both of them so well it is hard to know which one it is.]. If you do get an LBC come back to us so we will give them a snotty reply which may be enough to see them off. In the meantime go on with your life safe in the knowledge that you owe them nothing and there is nothing they can do to change that.
    • I must confess to not even thinking about telling them, especially since I haven't heard anything from them for years, they weren't on my to contact list.   I always come here for advice before I reply and I am certainly not paying anyone unless I have too ( 1 ccj is being paid at £1 a month)    Since getting my head out of the sand I have been very careful on keeping all letters and taking advice before I respond and keeping copies of all correspondence.        
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    • I’m in desperate need of help
       
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
       
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
       
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
       
      I’ve got copies of numerous messages sent to and from twitter messages as it’s the only way I can contact them
      I’ve also contacted their customer service too
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      I have proved that the dispute is closed
      I have got an email saying that if Evans sent the refund they would accept it
      but up until the date I got the email they have not once attempted a refund .
       
       I have sent them a letter before court email
      I have even offered to have the full refund as a gift card just to get this sorted !
       
      I’m literally at the end of my tether and don’t know where to turn next !
       
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .

Ready to Claim - a couple of questions


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I've gone through all our statements of which we have 90% and have calculated how much I can claim both at the interest rate charged by the cards and at the statutory 8%. But I've just got a couple of questions.

 

a) Some of the debts on the cards are now with Debt Collection Agencies - do I claim off the agency or the original card provider. On some there are Notice of Assignment on others I think the DCA are managing it for the card issuer. One was a Goldfish card which is now with a DCA when I tried to SAR Goldfish I got a letter from BC saying that they could not find any record of my account, I do have a Notice of Assignment for this one. So do I just claim this off the DCA

 

b) Do I tell them how much I'm claiming in total or do I let them work it out ? If I add the interest they charged me on the card the amount is scary !

 

c) The Mrs had a Next Directory account - has anyone had any success with reclaiming PPI.

 

Thanks

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ideally you should not claim the 8% stat on CC a/c's until/if you file court papers

however no harm in trying!

 

you claims all go to the OC.

 

as for the one from BC, if they have no record of your A/C then stop paying te DCA! they can do nowt without a valid CCA....have you cca'ed them?

 

yes include your spread sheets, shows you know what you ar talking about.

 

next as with all catalogue co's will claim they are not responsible for it, but they are!!

 

go get 'em!!

 

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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In all cases its the OC who remains responsible-even after an account is assigned.

As Dx says,section 69 interest is best left until later,however no harm in indicating that you will be looking to ask for it should it go to Court.

In most settlements without the need for Court action,its usual for the 8% to be given anyway.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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always the oc

 

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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