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    • I had Friday 29th in my mind so that I would get it  and not miss the Monday deadline. Is that the best course of action? Any thoughts from the forum on my plan of 'prove I'm the driver' idea? Is this silly or worth doing? 
    • Indeed. I was just thinking 'Here we go again'. NHS trusts are saying they have problems and want to move to Plan B, Indie Sage scientists are saying things need to change. But HMG isn't listening and says everything's fine.    Meanwhile Chris Whitty has at least stressed the importance of masks, ventilation and so on. 
    • I have heartbreaking news my brother has died 😪 I am well and truly heartbroken😪 I am finding this difficult to write but i need to write this for my brother, There has been a catalogue of fatal errors by this gp practice and even by the hospital before/after the sleeping pills that should never have been prescribed.   background prior to the sleeping pill wrongly prescribed   Diagnaosed with vascular dementia 2019   May 2020   Weight loss reported NO dysphagia (Without any investigation GP writes NO dysphagia (swallowing difficulties which can lead to aspiration pneimonia, weight loss) Prescribed ensure   Jun 2020   weight/diet/nutritional assessment tasked DN team     Referral out    Community Referral for Elderly Care   june 2020 In view of suspected covid infection best to defer weight check/assessment There was no suspected covid infection, how gp got this? nobody called the gp and it was uk lockdown   Jul 2020 Eating & Drinking Complaint brother eating less and losing weight   Jul 2020 Dry cough over night. white phlegm noted Diagnosis: Viral upper respiratory tract infection     Jul 2020    57 Kg weight told Gp over the phone   24 Aug 2020  1 week poor appetite & drowsiness- keeps falling asleep Decrease in appetite   25 Aug 2020 Reported to GP 6 months of steady weight loss: 14kg (June weight 66, now 50kg) NO dysphagia (how without investigating further) If GP had investigated further it would shown my brother had swallowing difficulties which was causing the weigt loss and chest infections.   Feb 2021 Presenting complaint (XaIm8) - chesty cough phlem Diagnosis: Respiratory tract infection     Mar 2021  Presenting complaint (XaIm8) - not eating or sleeping Poor appetite (lost 1 stone since then) and poor sleep   April 2021 Serious reaaction to sleeping pills - causing 2 litres of uring retention indwelling catheter as posted in this thread and problems   18 Jun 2021 chest infection   30 Jun 2021  Chest Ingection Diagnossi should finish antibiotics and plenty fluids   7Jul 2021 Complaint - struggling to swallow large capsules Weight loss/not eating drinking properly Requested liquid version or smaller size capsules   9 July complaint - Please see yesterday's entry by and task sent to , sister saying pt hasn't taken Prostate medication for 4/7, urine rention building up, sistrer concerned requesting alternative medication, small tablet form if not available in liquid, sister says it is urgent for today. Re: patient unable to swallow due to size (approx 24.2mm x 7.7mm SmPC)   10 Jul 2021    Presenting complaint  - Please see 09.07.21 entry, patient still struggling to swallow tablet, urine retention building   July 2021 Nose dripping week, swallowing mucous For the last week cough with green sputum Note previous course of antibioitcs in june for chest infection longstanding swallowing problems - BUT NOT INVESTIGATED!!!!   1 Aug 2021 Feels has chest infection. cough 2 weeks- productive green phelgm Diagnosis: Chest infection - unspecified bronchitis   10 Aug 2021   blocked sinuses/runny nose despite 2 x recent antibiotics,just finished amoxicillin +probable viral infection no further antibiotics indicated observe for now   12 Aug 2021 Presenting complaint struggling with breathing sister concerned wanting Gp to review HOME visit tomorrow   13 August Brother taken to hospital diagnosed with exacerbation of copd steroid tablets, antibiotic tablets, antibiotics into vein in arm struggled to take bloods on 3rd attempt, left with bruised vein chest xray shows pneumonia sent home 7 days meds letter for Gp requests follow up chest xray in 6 weeks (NEVER DONE)   18 August 16 Aug 2021   Presenting complaint - discuss ambulance report thinks needs home visit everyday adv sister is reassuring he did not need nebuliser *brother was put on nebuliser in hospital in august, gp is wrong) A/E attendance likely all related to current LRTI     22 August 2021 Presenting complaint (XaIm8) Home visit Pnemonia. Chest still doesnt sound clear. 1 medication finished today 2 finishing tomorrow - steroids Home visit done by GP Chest clear, good AE B/L, no resp distress HS N, calves SNT, WWP, regular pulse Abdomen SNT Diagnosis: Chest infection NOS (XE0Xs)- resolved   24 Aug 2021  Home visit Chest clear, good AE b/l Diagnosis: Hay fever - unspecified allergen (X00l9)   I then made a private appoint with a respitatory consultant, he got access to the chest xray done in August 2021 and told me my brother had pneomnia in the right lung aspiration pneomonia caused by swallowing difficulties, food liquid going down wrong way into the lungs, causing infection leading to pneaomia. This consultant gave a report of findings, also askig GP to make referral to SALTS carry out swallow assessment. This referral was done far too late by the GP over 10 days delay and only after i kept on complaining why wasnt the SALTS team coming and my brother was down to 6stone in weight. I had to go private consultant for aspiration pneomonia  diagnosis on chest xrays done in August 2021 then give that report to GP to make a SALTS referral. The previous chest infections was aspiration pneomonia but GP clearly misdianosed inc on Home Visits after the August 2021 hospital attendance.   WEIGHT COMPLAINT!! 19 Sep 2021   Presenting complaint wanting to discuss weight loss Discussed - I will task DNs to carry out these reviews as too weak to come to surgery now. Also check weight/ BP I will refer to dietitian Diagnosis: Weight loss - AFTER 12 MONTHS and after lots of complaints GP DECIDES WEIGHT to 6STONE!! decided referral to diatcian after I tell GP!   22 Sep 2021    Recieved a letter from xyz clinic 2 days ago to ask GP doctor to arrange swallowing assessment about swallowing issues GP Diagnosis: Swallowing symptoms (XE0r7) - ONLY AFTER WE TELL HIM PRIVATE CONSULTANT FINDNGS. GP did not bother to investigate all the complains I made about swallowing difficultities. I went to private consultant to get dignosis on swallowing problems, despite makings lots of complaints to GP and being ignored. I was doing the Gp's job in getting the diagnosis for swallowing problems!!   24 Sep 2021 SALTS REFERRAL made  BY GP - ONLY AFTER I WENT TO PRIVATE CONSULTANT Please advise pt's daughter that the GP has messaged the secratary to refer the pt to SALTS referral     27 Sep 2021 Presenting complaint - Presenting complaint (XaIm8) Requesting powder sachets instead of premade shakes. Patient is struggling to swallow these as liquid is rather thick. Family have purchased a few sachets of powder and find these better for him. Also mentioned patient has lost around 1 stone in weight and are concern.   28 Sep 2021 Presenting complaint - Pt having swallowing issues and pt taking Movicol sachets but still constipated as struggling to swallow down properly. DN   GP DOES Hospital Referral for Feeding/ Swallowing AFTER COMPLAINT MADE   30 Sep 2021    Presenting complaint - Unable to swallow movicol properly therefore family request another enema. requests GP to assess first as has had 2 enemas fairly recently already. ongoing swallowing issues - sister says losing weight fast. Been referred to SALT & this has been marked as urgent now.   4 October 2021    Presenting complaint - Concerned about ongoing swallowing issues ?chest infection. says chockes whilst drinking ensures- SALT referral sent E&D less leading to weight loss -Dietician referral sent Patent airways Chest clear, good AE B/L MEDICAL NEGLIGENCE - SEE 5th October!! (This GP is on audio recording telling us the chest is clear)   5th October follow up appointment with private respitatory consultant Diagnosis pneomia due to aspiration (swallowing diffuclties/dementia) Prescribed 4 months of maintenance antibiotics Diagnosis pneomia when the GP the day before said everything was clear!!     7 Oct 2021   Complaint - Why SALTS team not been for assessment, should be marked urgent brother weigh down to 5.5stone. Says spoke to SALT team last week - will be complaining as SALT referral recieved on 21/9. Apolagised for this but on system it was actually sent on 19/09/21 Diagnosis: Swallowing (Xa4M7) -> (ignored my complaints for over 2 years on swallowing problems, and put no dyspghia on my brothers record 2 years ago - when swallowing problems were going on even abck then.   10 Oct 2021   Spoke to sister who has spoke to SALT team on 02/10. Felt SALT nurse was rudee. Says nurse said appointment may take some time ?due to back log of patients in covid period GP then contacts SALTS team to try expedite appointment Diagnosis: Speech and language therapy     12 Oct 2021 Private swallowing assessment done by speech therapist because the GP and SALTS were going aound in circles and brother rapidly losing weight! Private assessment shows serious swallow problem, recommends SALTS team urgent see my brother   15 Oct 2021 Brother coughs up phelhm with blood 1 time in day, reported to GP and request home visit   16 Oct 2021 GP home visit, checks chest, says clear and nothing to worry about - on video GP says brother has blood clot in lungs, go AE and wait, tell GP brother too frail weak, weight 5stone, unable to wait in AE. Request GP make arrangement for xray, bloods, ecg at hospital so brother no need to wait in AE. GP says NO, you have to wait AE. GP will arrange ambulance to go to AE where you WILL HAVE TO WAIT even if it means waiting 6-7hours. Inform GP this is impossible. GP leaves. Calls back in 20mins says NO BEDS available, you just have to wait in AE if it means waiting 7 hours then just wait. Explain the difficulty dementia, too frail, high risk of catching bug and request GP arrange time for brother to go into hospital for bloods, xray, ecg etc, GP says no. Then turns the conversation around telling me 'so your refusing to take your brother to hpstal, if he dies its your fault, i will put that down on his records'. GP hangs the phone.   10 mins later brother collapses, ambulance called, oxygen given, stats up. Taken into hosital, where immedialtely the staff tell me your brother is emacitated dehyradted way too much, all skin and bones. Tell staff, swallow problems, weight loss, complaints to Gp, Gp not listening etc. Brother kept in overnight put onto IV fluids. Discharged the next day   few days later, brother health deteroriates, paramedics to the home, say its pneomonia, i tell them its aspiration pneonua, they agree, explain the swallow problems, weight loss. They say you need to complain to GP.   Oxygen provided, stats go up, paramedics leave 2hrs later stats drop ambulance called, oxygen given 1hhr stats go up, ambulance staff they cant leave oxygen again because 2nd time called to house. They call GP to house with injections inc morphone, which thankfully were never used. Brother passes way at home   My brother died weight was under 5stone, he was skeletone and bones, weight loss problems, swallowing problems complaints made over 2 years and nothing was done until the last couple of weeks only after I went to private consultant for diagnosis, who sent his report the ignorant gps, the same for the private speech therapist report to gp   Gp only refer to dietiacian when brother weight down under 6 stone!! In 2 years no demential assessment done, only done last 2 weeks of brothers life after I complained to GP   This is what I can remember, they will be things I have forgot to add. I am devastated.                                                                                
    • I see, thank you very much. Sorry for repeating the same questions myself! Im working on getting the quotes now
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Lowell Portfolio Ltd (Littlewoods)


jas1304
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Hi all.

 

I have had a copy of my credit agreement back for 1 of my Lowell accounts after a CCA request.

 

They say that "Unfortunately we are unable to locate a copy of an executed agreement, but for your information we enclose a copy of the current agreement which applied to this type of account. This version includes all contractual variations which have taken place."

 

This letter came directly from Shop Direct and not Lowell, I don't know if this means that Shop Direct still own the account or Lowell does as they claim.

 

Anyway, without a signed agreement what are my options? Will I still have to pay because I have made payments on this account in the past?

 

I look forward to your advice.

 

Regards

 

Jas

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Hi all.

 

I have had a copy of my credit agreement back for 1 of my Lowell accounts after a CCA request.

 

They say that "Unfortunately we are unable to locate a copy of an executed agreement, but for your information we enclose a copy of the current agreement which applied to this type of account. This version includes all contractual variations which have taken place."

 

This letter came directly from Shop Direct and not Lowell, I don't know if this means that Shop Direct still own the account or Lowell does as they claim.

 

Anyway, without a signed agreement what are my options? Will I still have to pay because I have made payments on this account in the past?

 

I look forward to your advice.

 

Regards

 

Jas

 

Unfortunately they are allowed to do what they have done, and from their wording are obviously accutely aware of the Carey case. The lack of signature could have been a problem, but as you've made payments you've effectively admitted to knowing that you did enter into an agreement with them.

 

It is worth you posting up what they sent you (removing personal details) in case we can see a different way forward, and as I always say I'm only human so may be wrong - for your sake I hope I am! See what a couple of others say, but posting up what they sent would be handy anyway.

 

Tingy

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Hi.

 

Unfortunately I have just found out than I am unable to post links because of my post count (Below 20).

 

I have scanned them to photobucket. Now I'm not sure how to show them here lol.

 

Regards

 

Jas

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scan the required letters/agreements/sheets

remove all pers info inc barcodes etc but leave all figures and dates.

goto one of the many free online pdf converter websites

convert the image to pdf format.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

the hit reply button

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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I've never used it, but I would imagine you:

 

Go into photobucket to the relevant page.

 

Go up to the web address, left click (it should turn blue)

 

Put the cursor in the blue bit, right click and click copy

 

Go back to your post on the CAG thread, right click and click paste

 

Hopefully the link to the page will then appear, but I've never used it so just guessing from what I know about computers.

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users below 20 posts cannot post links etc

 

but can do atts as in my last post

 

this is to stop spammers

 

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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Hi.

 

Unfortunately I have just found out than I am unable to post links because of my post count (Below 20).

 

I have scanned them to photobucket. Now I'm not sure how to show them here lol.

 

Regards

 

Jas

 

So you just reply to 8 posts (any) with just a note 'subbing' meaning subscribing to thread to bring your posts above the 20.

 

You then add a post to your thread with the url link to the photobucket page.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

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Firstly, hi ... Not quite sure why you have told them you have depression.

 

 

But you are quite correct, in that they can't ask you for this.

 

Your best bet here would be to request a copy of your credit agreement from them. Alternatively, you could make £1 token payments. I would say some DCAs like to scare people ...

 

Another alternative is to try and claim those back. The rest of your situation, I'll let the more experiened people here give suggestions. But what they have told you about getting letters from your GP is hogwash.

 

One other useful piece of information to get you started is to give a timeline on how long you've been dealing with the DCA, what year if you can remember the agreement is from. Lastly, don't speak, don't write to them until you get more advice from here.

 

No. Don't send them anything like that. They aren't entitled to it. They will kid you you have to.

 

So put them out of your mind, allow the more experienced ones here to help you, read their suggestions and have a read around the forum for some useful tips until someone better experienced can help. But the crux here, is no DCA has the legal right to medical history's or any letters they say you have to send them. I hope this clears that up for you.

 

Without a court order, they can't send bailifs to your home.

 

 

Why, if I may ask? There are other things, as I touched on briefly above, that can be done in your situation before any of that may become necessary.

 

BTW, Lowells can't add charges to your account the same way Littlewoods have as far as I know.

 

 

 

So, they've confirmed that in writing to you?

 

 

Hi there

The other charge of 12 GBP for a letter is [edit] unlawful [its is not illegal as its not criminal!]

Not allowed so any debt passed on must NOT include that charge.

 

Bailliff's --not that these are any good for enforcing relatively small amouts of debt anyway -- as I often point out second hand stuff these days is worth ZILCH --even large screen TV's don't fetch much at auction -- CANNOT in any case be used without a Court order which a DCA won't get anyway. Even if they DID turn up you don't have to let them in anyway.

 

Complain vigorously to OFT about unfair and intimidating tactics used by a Debt collection agency in pursuing its claim --there ARE guidlines to be followed by DCA's in collecting debts and Harrassment isn't one of them --although reading about the various practices used by DCA's you'd never know it.

 

Finally ONLY A COURT has the right to demand your income and expenditure --never EVER send these sorts of details to a Debt collection agency.

 

YOU decide how much if any to pay them NOT THE OTHER WAY AROUND. If they don't like it THEY can go to court and you will probably get a better deal such as a 1 GBP a month token payment.

 

Don't get scared of a Court. DCA's are no better than Play Ground Bully Scumbags --they soon fold once YOU challenge THEM.

 

Cheers

jimbo

Edited by jimbo45
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So you just reply to 8 posts (any) with just a note 'subbing' meaning subscribing to thread to bring your posts above the 20.

 

You then add a post to your thread with the url link to the photobucket page.

 

Ok!

 

Thanks very much, good idea btw :-)

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Ok, Hi all.

 

I think I have managed to scan the 3 pages I received back from Littlewoods, here they are:-

 

Page 1 - http://i1194.photobucket.com/albums/aa373/jas1304/Page1.jpg

 

Page 2 - http://i1194.photobucket.com/albums/aa373/jas1304/Page2.jpg

 

Page 3 - http://i1194.photobucket.com/albums/aa373/jas1304/Page3.jpg

 

Once again thanks for your help, I really do appreciate it.

 

Jas

Edited by jas1304
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I thought they were also required to send a statement of all payments to an account from inception to the current date, as well as a breakdown of any PPI payments, interest/late charges added to the account, defaults and related charges added, etc. when requested to do so in order to be fully compliant with a CCA request.

Please note, I am not professionally qualified in legal matters. Should you have any doubts, you should contact a legal expert.

However, I can and will help with matters regarding payroll as I am fully qualified.

 

If I've helped in any way, you're welcome to click on my "star" and thanks, but I gain the most satisfaction simply by helping/reassuring :O)

 

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no thats an sar

 

cca is agreement & current statement of a/c

 

 

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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Ah, right. Thanks DX :)

Please note, I am not professionally qualified in legal matters. Should you have any doubts, you should contact a legal expert.

However, I can and will help with matters regarding payroll as I am fully qualified.

 

If I've helped in any way, you're welcome to click on my "star" and thanks, but I gain the most satisfaction simply by helping/reassuring :O)

 

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they should not be adding any markers unless they own the debt

and you have recently failed to make any agreement with them.

 

no cca - no pay!!

 

fire off the failure to comply letter if they've taken more than 12+2working days since CCA

and stop payments to any debt without one.

 

dx

 

 

Unfortunately they are allowed to do what they have done, and from their wording are obviously accutely aware of the Carey case. The lack of signature could have been a problem, but as you've made payments you've effectively admitted to knowing that you did enter into an agreement with them.

 

It is worth you posting up what they sent you (removing personal details) in case we can see a different way forward, and as I always say I'm only human so may be wrong - for your sake I hope I am! See what a couple of others say, but posting up what they sent would be handy anyway.

 

Tingy

 

Hi thanks for your replies quoted here.

 

I need to try and get this clear for future reference.

 

So what's basically being said here is that if they do not provide a CCA, in any form whatsoever (eg, signed, unsigned) then I could have fired off a non-compliance letter? If indeed they do reply, which is what they have done in my case, then basically whether they have sent me an unsigned copy or signed copy the law is the same - Pay up.

 

So basically the only advantage of requesting a CCA is if they do not produce any agreement at all?

 

Or is it now only enforceable in my case because I have made payments and no doubt in the past admitted to the debt?

 

As far as I can tell, in my case anyway, there would not be any point in sending any of my creditors a CCA request as providing they come up with their current Credit Agreement I would not have a leg to stand on?

 

Sorry if this sounds a little confusing, I'm confused lol, but please don't shout back lol - bear with me.

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It is very relevant to request your CCA, depending on the age of the agreement, and to ensure that they do indeed hold a copy of the original, the difficulty is that even without one, if they can prove to a Judge that there is a relationship between you and them, ie, regular payments in and out of said account or agreement, then the CCA argument is irrelavent, a CPR request might be more relevant when the creditor states that they do not have an original copy of the agreement, as they will need to provide evidence to the court of said relationship between both parties.

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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Ok.

 

Well thanks for all your help on here, I have certainly learned a fair bit from this thread and others alike.

 

I have decided on the balance of my situation to go along with my original post and not pay Lowell until a Court orders me to. This I am doing because, 1) - This will be taken to Court sooner rather than later, 2) - I have a fair bit of correspondence between myself and Littlewoods showing I did my best to deal with this debt, 3) - for my own sanity. In my case I do not believe I have any chance of getting this debt stopped in its tracks, i.e. documentary proof of a relationship between me and Littlewoods and Lowell, and this letter writing can get you down (in my case as I have now found out it's not going to make any difference to the outcome). 4) - I will apply for an Administration Order (after judgement), which if successful will hopefully lead to a Composition Order being made, which will effectively make all my debts go away in a relatively small length of time.

 

Once again I appreciate the time and effort everybody has given to help me and express my appreciation of this website. :clap2:

 

Regards

 

Jas

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Hi thanks for your replies quoted here.

 

I need to try and get this clear for future reference.

 

So what's basically being said here is that if they do not provide a CCA, in any form whatsoever (eg, signed, unsigned) then I could have fired off a non-compliance letter? If indeed they do reply, which is what they have done in my case, then basically whether they have sent me an unsigned copy or signed copy the law is the same - Pay up.

 

no not in the least - a reconstructed CCA is just that - recontructed, yypically, for them to go to court, they would NEED a signed one, if it doesn't [or never] existed, then they would have to rely on payments, now don't throw this baby out the pram either, - although you might have made payments, they could always be deemed as 'made under duress' - in other words - you knew no better than to cough up, but, if there is a previous history of a financial relationship between you and the OC, then i wouldn't even question the agreement. TBH: if you know you did have the money or goods - then sadly don't try it on!!!

 

 

 

So basically the only advantage of requesting a CCA is if they do not produce any agreement at all? as above

Or is it now only enforceable in my case because I have made payments and no doubt in the past admitted to the debt?

 

As far as I can tell, in my case anyway, there would not be any point in sending any of my creditors a CCA request as providing they come up with their current Credit Agreement I would not have a leg to stand on?

 

no as above.

 

Sorry if this sounds a little confusing, I'm confused lol, but please don't shout back lol - bear with me.

 

 

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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dx - any template letter for a CPR request. I've read about these being requested, but didn't know what they were until now. What does CPR stand for? Is there a time limit in which to respond? And is there, as already asked, a template letter?

 

Thanks,

 

Tingy

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sorry there are many cpr number i'm not up on which version you need to send

 

court is not my game

 

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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Share on other sites

To the OP: nip over to the legal issues forum and ask the question there :)

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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I think this is what you are looking for CPR31.16.....but read very carefully as this can be risky. Especially so where costs are concerned. I believe one cagger recently got disclosure but was forced to pay the other sides court appearance, (court judges can vary wildly !!) but there are some success stories...threads below (one of them is a huge thread too !!!)

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?173201

 

Cagger CPR31.16 stories here -

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?165349

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?166413

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?164356

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

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Here's another link which explains exactly what CPR request should be made in each situation:

http://www.justice.gov.uk/civil/procrules_fin/contents/parts/part31.htm

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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