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    • is the home in joint names but this is solely your debt? need far more history to be able to comment if it's paid off and was not just written of by one partly on their books and sold to anther, thus the cra file says £0. dx
    • So, Sunak has managed to get someone to 'volunteer to go to Rwanda hasn't he? .. for just £3000 payment to the person plus 5 years free board and lodging isnt it? - cost to UK taxpayer over £300M+ (300 million quid+) isnt it? - Bargain says Rwanda, especially with all the profit we made privately selling those luxury chalets Bravermann advertised for us   I wonder how many brits would jump at that offer? Thousands? Hundreds of thousands? Lets see, up to 5 years free board and lodging and £3k in my pocket .. I'd go - and like that person - just come back if/when I get bored. First job - off to Botswana for a week to see the elephants.   Of course the paid volunteers going to Botswana are meaningless - Rwanda have REPEATEDLY said they wont take any forcibly trafficked people in breach of international law eh? Have the poops actually got any civil servants to agree to go yet - probably end up as more massive payments to VIPal contractors to go and sit there doing nowt shortly eh?    
    • Hi Wondered if I could get a little advise please. I entered into a commercial lease (3 years) and within a few months I had to leave as the business I was trading with collapsed. I returned the keys to the landlord and explained the situation and no money, also likely to go on benefits but the landlord stuck to their guns. They have now instructed solicitors to send letter before action claiming just over £4000. The lease was mine and so the debt. I know this. I have emailed the solicitors twice to explain I am out of work and that with help from family I could offer a full and final settlement figure of £1500 or £10pw. This was countered by them with an offer to reduce the debt by £400, or pay off the amount over 12 months. I went back with an improved full and final offer of £2500 or £20pw. This has been rejected with the comment 'papers ready to go to court'. I have no hope of paying the £4000 and so it will have to go to court. Pity as I have no debts otherwise but not working is a killer. I wondered if they take me to court, could I ask for mediation? I also think that taking me to court will result in a pretty much nothing per week payment from my benefits. Are companies just pushing ahead with action even if a better offer is on the table? Thanks for your help.
    • Hi all, Many thanks for the advice! Unfortunately, the reply to the email was as expected…   Starbucks UK Customer Care <[email protected]> Hi xxxxxx, We are sorry to read you received a parking charge after using our Stansted Airport - A120 DT store. Unfortunately, the car park here is managed by MET parking. Both Starbucks and EuroGarages who own and operate this site are not able to help and have no authority to overturn any parking charges received. If you have followed the below terms then you would need to send all correspondence to [email protected], who will be able to assist you further. Several signs around the car park clarify the below terms and conditions: • Maximum stay 60 minutes, whilst the store is open. If the store is closed, pay to park applies. • The car park is for Starbucks customers only who make a purchase in our store, a charge will be issued if you left the site. • If you had made a purchase and required additional time, you must have inputted your registration number into the in store iPad which would have extended your stay up to 3 hours • To park in a disabled bay, you must have displayed a valid disabled badge. • If Starbucks was closed, you must have paid for parking as charges still apply, following signage located on site. • If you didn’t use the store, you must have paid for parking, following signage located on site Please ensure all further correspondence is directed to MET parking at the above email address, and accept our apologies that we cannot help you further on this matter.  Kind Regards,  Lora K  Customer Care Team Leader Starbucks Coffee Company, Building 4 Chiswick Park, London, W4 5YE
    • Thanks HB edited and re-uploaded. Thanks for the heads up 👍
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Lloyds overdraft passed on to Wescot


DDWales
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Yes in my limited experience More crap are useless. With advice from site one letter asking for CCA sent - could not supply it and so all I have had for the last 6 months or so are begging letter saying "Please pay, please".

 

As BB would probably say - wax crayons must have fallen down back of sofa cos now have Apex writing with what looks like another "please please" letter.. Sppose should write to em but as stated just another merry-go-round ride and I hate them.

 

Intend

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The only trouble with responding to their computer generated spam letters is that they will think you actually care and want to receive more deforestation, as they say, give a dog a bone and it will keep coming back, best left to ignoring them, especially this shower until they can actually produce anything remotely like a SD or summons, or if you want them to keep taking a bite of the bait drop them a line every 5 or 6 months, keep them amused for as long as possible, then send them to their bedroom without any tea.

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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  • 2 years later...

After total silence since October 2011, and no payments made!,

 

have had a lovely threatogram from 1st Credit.

 

2 letters the same day.

 

.the first being the standard 'phishing' 'are you such and such' and if not contact us etc...

 

and the other being that they have bought the debt from Lloyds

and that I am apparently the person they want including all personal details such as alledged money owed etc!

 

Bit naughty you think?

 

So what next?

 

No dealings with this lot before so what can I expect..

 

.the usual drivel?

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After total silence since October 2011, and no payments made!, have had a lovely threatogram from 1st Credit. 2 letters the same day..the first being the standard 'phishing' 'are you such and such' and if not contact us etc... and the other being that they have bought the debt from Lloyds and that I am apparently the person they want including all personal details such as alledged money owed etc! Bit naughty you think? So what next? No dealings with this lot before so what can I expect...the usual drivel?

 

Isn't that an amazing coincidence! I just had a letter from 1st Credit accompanied by an LoA from LTSB! I look forward to the phishing missive next...

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Isn't that an amazing coincidence! I just had a letter from 1st Credit accompanied by an LoA from LTSB! I look forward to the phishing missive next...

 

Tell me about it! The other Caggers have mentioned that it's probably to help stave off their recent fine!!!

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dd

seems another batch sold on by loyds, they did one a bit back to the likes of bowells/crapquest.

search 1st crud on cag, see what they're like

remind, are you on a payment arrangement with this?

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cheers, yours as well?

if creditor, after doing the dca rounds on behalf, doesn't take action themselves then is likely to be up for sale. seems usual back scratching, cred gets the write off and then sells it out, also on commission?, for a dca to try and get their slice!

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dd

some options, seeing as not currently paying?;

reduced (taking into account any charges etc) full and final offer, lump sum.

reduced final offer on instalments.

cca request, i know its an o/d but just to see what they come back with. take things then from there.

prove it type letter.

ignore for now.

what do you think?

Edited by Ford
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  • 4 weeks later...

Cheers all.

 

Just ignoring until something useful turns up.

 

I will then hit them with the various templates and see what happens.

 

Ive had about 3 discount letters since before Christmas which is always a sign of something being up.

 

I think they know they've got a lemon on thier hands

...Lloyds have probably written off against tax years ago.

 

The account was opened in 2000/01

 

so it would be interesting to see what docs would be available and if they would be up to scratch.

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is there anything that ever deemed as enforceable on an over draft

 

me thinks not.

 

its not covered by CCa anyhow.

 

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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dd

i meant an O/D 'cca' request.

 

whilst o/d's are usually exempt from the agreement requirements at that time,

they should say so on receipt of such a request,

but still should provide a statement of account,

as an o/d usually becomes 'running account credit' (as confirmed in the act itself)

and therefore becomes subject to the cc act (but limited). see part v, s74 of the act etc.

 

i think andyorch may have drafted one re O/d 's.

Edited by Ford
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Thanks both...just curious I guess due to how old the account is and how they havent really done anything except use their many pet DCA's. This was originally passed on to Westcot in Dec/Jan 2010/2011!! Have had the standard discount letters too which often signal that there is usually something up.

Edited by DDWales
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  • 5 weeks later...

An update!

 

First Cred have decided to ring me at work!! Naughty!

 

Just fired off 4 recorded delivery letters to their lovely Reigate office:

the prove it,

written correspondance only,

removal of telephone number/data(Section 10 Notice)

and no doorstep visits.

 

Have any other Caggers had 1st Cred phoning them at work?

 

This is a first for me and apparently it was from a Mr Brown (of course it was....lol!).

 

My understanding was that DCA's couldn't contact you in work?

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correct

 

complain to the ICO/OFT

 

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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No templates as such, just in your own words and maybe a reference to the OFT's own DCG, although they should know them, they wrote them!

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 ICO have their own complaint page on their website.

 

Andy

We could do with some help from you.

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Another threatogram of a discount and an intended doorstep visit! :whoo:This one is quite interesting too as it states that they are acting on behalf of Lloyds and not the owners. They just cant make their minds up! All template letters (prove it etc) that I sent last week have been recieved by them also..let's see what happens next...

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I think DCAs play a dangerous game - sometimes claiming ownership than at other times claiming to acy on behalf of the OC. Can't have it both ways.

 

My question - is this misrepresentation - and as such illegal?

 

what do other think and is this grounds for counter claims?

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