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    • So @theoldrouge where was farage during the D-day honors/remembrance ? He was quick to trash Sunak - but at least sunak showed his face heh?   Sunak perhaps needs to slip some dosh to led by donkeys to fund some banners in Clacton heh? Suggestions: D-day - Sunak maybe ran, but Farage never even showed Farage I'm the only one who can change my mind - dont you plebs think you can Clacton, who wants to spend time in Clacton? 48/52 is unfinished business - ooops eerrrr no it is  ...  err well unless is what I lose by Reject me 1 times shame on you, Reject me 7 times shame on me   Hers how: A statesman - and not just in waiting
    • Yep let us have a good laugh eh from today’s Telegraph 🤣😂🤣 the rest must try harder    Farage won Friday’s election debate, a poll finds Nigel Farage won Friday night’s seven-way BBC election debate, according to a poll.  A snap poll of 1,031 voters by More in Common found most thought Mr Farage won the debate, followed by Angela Rayner. Mr Farage received 25 per cent of the vote while Ms Rayner received 19 per cent. The Green Party’s Carla Denyer was the third most popular with 11 per cent, Stephen Flynn for SNP received 10 per cent and Penny Mordaunt, the leader of the House of Commons, took 7 per cent of the vote. Daisy Cooper, the deputy leader of the Liberal Democrats and Plaid Cymru’s Rhun ap Iorwerth took 5 per cent and 2  per cent respectively. The debate saw Britain’s main seven political parties clash ahead of the general election on July 4.  Mr Farage, who returned to frontline politics for Reform this week and is standing as an MP in Clacton, challenged his political rivals on immigration and net zero policies.
    • Hi CAG Team, I'm seeking your skills and help for a NtK my partner received through the post earlier this week. To give a little backstory, my partner and I, along with our young children (4 and 7), decided to go on a camping holiday about 3 hours away from us. We took a car each because we didn't have enough room in one car. We arrived at the services at very similar times as we followed each other the whole way. So, two cars. My partner has received this NtK, but I haven't. This NtK dropped through the front door on Wednesday, June 5, 2024.  We both parked in the Burger King car park, not in BP; we got out, all went for a toilet break, got some food from the BP garage and returned to our cars to eat.  After eating, we took the kids to the toilet again before leaving to complete our journey. I didn't notice any parking restriction signs and can't get back to the location due to how far away it is. I noticed another person had an issue here and reported it to you, and they managed to get the charge dropped. See below. To me, it looks like they have cameras at the complex's entrance and exit. I'm not sure if they own the land/car park by Burger King, I'm not sure if this is a legal contract or not.  I find that 30 mins limit at a Services that serves hot food to be ridiculous and unfair, especially as we had kids to feed and water.  And the fact that I didn't receive the same NtK despite us driving in and out together is just crazy. This is the location - I also uploaded a map image. Google Maps MAPS.APP.GOO.GL ★★★☆☆ · Restaurant 1 Date of the infringement 24th May 2024 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 29th May 2024 3 Date received 5th June 2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] N 5 Is there any photographic evidence of the event? Y - Only entering and exiting the complex/land. 6 Have you appealed? [Y/N?] post up your appeal] N 7 Who is the parking company? MET 8. Where exactly [carpark name and town] BP Blue Boys, Tonbridge TN12 7HE For either option, does it say which appeals body they operate under. POPLA I hope you can help me out with some guidance on how to proceed with this. Let me know if you need anything else. Thank you, Passerby0233 2024-06-08 13_17_52-Burger King - Google Maps — Mozilla Firefox.pdf NtK_29-05-2024.compressed.pdf
    • Which Court have you received the claim from ? Civil National Business Centre (Northampton) Name of the Claimant ? PRA Group (UK) Limited How many defendant's  joint or self ? Self Date of issue – 23/5/24 AOS - Tues, 11/6/24 (19 days)  Defence - Thurs, 25/6/24 (33 days) Particulars of Claim 1. The Claimant claims the sum of £7926 for an outstanding debt owed. 2. On 20/4/18 the Defendant entered into an agreement with Lloyds Bank for a Credit Card under reference [16 numbers]. 3. On 10/5/22 the Defendant defaulted on the agreement with an outstanding balance of £7296. 4. On 28/11/23 the debt of £7296 was assigned to PRA Group (UK) Limited, who itself assigned the debt to PRA Group UK Portfolios Ltd on 30/12/23. Notices of assignment were sent to the Defendant in accordance with S136 Law of Property Act 1925. The Claimant has instructed PRA Group (UK) to act on its behalf and the CLAIMANT CLAIMS 1. The sum of £7925 What is the total value of the claim? £8481 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes Did you inform the claimant of your change of address? I believe I sent a letter by registered mail of a change in address to abroad in 2021. Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit card When did you enter into the original agreement before or after April 2007 ? After Do you recall how you entered into the agreement...On line /In branch/By post ? Online Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? Not personally - probably sent to my parents Did you receive a Default Notice from the original creditor? Not personally - probably sent to my parents Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Not personally - probably sent to my parents Why did you cease payments? Unable to afford, living abroad What was the date of your last payment? Unsure (probably 2021) Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No ................... I have read through a number of similar threads, one thing i'm not sure how to proceed about is that I live abroad in the middle east and have done for several years. The claim letter was sent to my parents address and I really don't want them to be harassed about this. I am sure I sent the original creditor a registered letter with my change of address but can't find this currently. I am not in a position to pay this, and tend to come back to the UK to see family at most once a year (less since Covid),  not particular bothered about my financial score...more concerned about harassment of my parents. I have not registered on the gov gateway or anything like that.  Details below (as best as i can), and thank you for taking the time to look into it. Also redacted claim form attached: Claim form 23-5-24.pdf
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HBOS card - CCA - NO Perscribed T&C's - now with lowlife.


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on fuether reading it says "alternatively instead of aplying for a CCJ we could (if your accounts meets certain critera) serve a statutory demand upon you and where you do not then repay petition for your bankruptcy"

 

Now, I know I haven't panicked much ovre the last few letters but am now thinking that they are thinking they actually can make this stick and do one of the above, surely if they knew what they have sent me wasnt enough to prove a true CCA, woouldn't they now back down a bit, I know most of them are idiots but if as you say, BB, I should report them, they will know they can be reported for this so are pretty sure they have a case, does this make any sense? or am I not understanding it properly?

 

Sorry for all the question, dont feel very well in my head at the mo, just trying to get things straight in my head

 

BB, you're the best, thanks very much

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The letters you receive, are designed to intimidate and exploit the debtors lack of knowledge, they are also printed by a computer, they have no human input whatsoever except the postie pushing it through your door.

 

They want you to think that they can do what they threaten as this often results in the alleged debtor being terrified enough to contact the DCA and either get abused over the phone and then forced into paying much more than they can comfortably afford to do so, or pay for a debt they are not liable for.

 

If this is from Red AKA Lowells, then there is nothing to worry about, the worst that can happen is they actually pull their finger out, spend some money and issue you with a court summons which can easily be defended.

 

Relax, enjoy the weekend, don't allow these pathetic fools ruin it.

 

Have you access to a scanner? If so, scan their puerile missive, delete ALL of your ID, bar codes ref numbers etc, and people will be able to highlight everything that is wrong with their tame empty threats.

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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Their greed and stupidity know no bounds. They are just trying to scare you into paying, and it looks like they are starting to have some effect. Trouble is they ignore the rules because they think they can get away with it. If enough people report them, the bodies that are supposed to keep them in check will eventually have to do what they get large amounts of public money to do, that is look after the consumer and stop pandering to these purveyors of misery.

 

As BB says do not worry, just report them.

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Hey Lamb,

 

I have a similar experience with a Halifax Credit Card which went through the merry-go-round of debt collectors.

 

I had the same type of agreement as you only it was a one page document with no prescribed terms and conditions whatsoever

Every time I wrote to Halifax or the relevant DCA, they just kept replying that as far as they wee concerned they had fulfilled their obligation and the debt was enforceable.

 

Considering I was at one point receiving monthly letters from a different DCA, all has been quiet now since October last year.

 

I know that this means nothing and that it could all start up again at any time however with help and support from the people on here, it will make a real difference to your case.

 

My thread is here, as it is similar to your situation and with the same company, I think you will find it of interest.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?187181-Halifax-Final-Decision-letter-received-please-Help

 

 

Best of luck mate and try not to let them get you down.

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Thanks for posting on my thread Sam, have read throgh yours and it makes interesting reading. I will keep an eye out for more updates.

Good luck mate. Don't know if it makes any difference but mine was orginally just through BOS not HBOS as it is now but I too had the letters from Blair Oliver Scott. I'm going to put together a letter of complaint, useing some of the things on your thread to see if that will keep them at bay. I havent slept all night and as a bloke, really shouldn't be saying this, but have shed tears. Its consuming me and I dont see a way out. I know the advice is right and I should remain strong and not panic but itss too hard. I am actually petriefied of attending court so am hoping it can be sorted before then

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Listen please, relax, court is the very last place these imbeciles want to go, they know full well that taking this to court will result in them being told by the Judge that they can only receive X amount per month, and in most cases it will be the token payment of £1 a month.

 

BOS is the Bank Of Scotland, so what you are receiving are letters from Halifax's computer, they have had NO human input apart from the postie pushing it through you letterbox.

 

Court is NOTHING to be scared of, it WILL be you who wins, IF it ever gets as far as court, and I guarantee 9 times out of 10, it Never does, because THEY are more afraid of court than you are.

 

You are playing right in to their grubby hands, believing what you are reading, they merely send out these puerile threat letters to intimidate, threaten and exploit your lack of knowledge in the hope that it will frighten you enough to pay money you either do not owe, or they have no right in collecting, and right now you are going to be one of their favourite customers!

 

There will be NO court, if there was any possibility of such a thing then it would have already happened, they would not have offered you the opportunity of defence.

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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Now I am guessing this letter from Red crossed in the post with my complaint but they have now decided to offer me a 30% reduction of the debt, meaning all I nned to pay is 70%. All well and good but I couldn't afford to pay the 30% discount never mind 70%.. But its got me to thinking, why are they offering me a reduction when they appear to think they have a case? Why not just go for the whole lot? Sounds a bit sneaky to me...........or will theu just say to the judge, "look we offered Mr Lamb a reduction but he wouldn;t even pay that". I think I know what I am thinking but will wait to see if others thhink the same before I make a fool of myself

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if anyone offers a discount that mean one of two things:

 

they have no enforceable paperwork

 

or

 

 

its all made of charges and/or PPI thaT can be reclaimed.

 

time to ignore them totally [or get reclaiming!]

 

they'll go nowhere near court ever!

 

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 going by my credit limit, (which I may have gone over) there must be approx £800-£1000 in charges approx. How can I claim charges when I dispute the debt? Sorry if I sound stupid.

 

I don't think they have a proper cca and such like, the document I've posted does not look like any ones I've seen on here whilst looking for one, its not got any T&C's etc at all

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Whatever you reclaim will go toward the outstanding balance, so if the charges and fees & interest cover the amount then the jobs a goodun!

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 charges won't cover the balance, no where near I'm sorry to say.

 

Re: the "CCA" they have sent me, I don't think it will stand in a court, does anybody feel the same, there are no T&C's etc and the "CCA" doesn't even look like one. Am I right in assuming *please God* that becuase they have offered me this discount, they know it will not stand up in court?

 

Should I reply to this offer?

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Without sight of the documents they sent you it would be very difficult to advise.

 

Have a read through this first http://www.consumeractiongroup.co.uk/forum/showthread.php?162851-Consumer-Credit-Agreements-a-guide-to-enforceability

 

And NO, I would'nt accept their offer!

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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When did you take this out? 5th Dec 2001??

 

Is that ALL they have sent you regarding this account?

 

Did you sign for that PPI also? If so reclaim ALL of that, along with the charges, IMO they have not got a leg to stand on, that falls way short of anything enforceable in court to prove you owe them anything.

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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Yes, thats it BB, hadn't thought about the PPI, will check about that.

It was taken out no later than 2003, I think 2002 but made reduced payments up until 2007 so not SB.

They also sent me statements, does this matter?

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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 weeks later...

another letter from Lowells

 

thank you for your recent communication, the details of which have been duly noted

 

please be advised that this matter has previously been reffered to the original creditor and you have been advised of their response

 

HBOs plc categorically state they have complied with your reqyest for a CA under the CC Act 1974

 

You are the registered account holder and you are liable for the outstanding balance in full. We are therefore entitled to pusue you for the monies owed

 

As owenership of the debt has now been passed to ourseleves we are not constrained by the T&C's of the account and have a greater degree of flexibility when seeking a resolution

 

in order to bring the matter to a close we would consider a proposal to settle at a lower figure based on a more affordable amount

 

we have placed your account on hold for 14 days to allow you to consider this and look forward to receiving your proposal in due course

 

Any thoughts?

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hehe

good they played their card then

what a load of BS

 

the 'we will offer a discount'

is the clinchers here.

 

and the stupid line

 

As owenership of the debt has now been passed to ourseleves we are not constrained by the T&C's of the account and have a greater degree of flexibility when seeking a resolution

 

time to ignore them 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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well not the fact that they are offering a 'discount'

 

its the reasons behind it..

 

usually three:

 

it's statute barred [ and they know it]

their are paperwork errors that render it un-en in court

the debt is mainly made of unlawful charges &/or PPI, so thus they wont got to court because of a risk of counter claim.

 

bang...ouch..

 

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 not the fact that they are offering a 'discount'

 

its the reasons behind it..

 

usually three:

 

it's statute barred [ and they know it]

their are paperwork errors that render it un-en in court

the debt is mainly made of unlawful charges &/or PPI, so thus they wont got to court because of a risk of counter claim.

 

bang...ouch..

 

dx

 

well, its not statue barred, not much charges/PPi so I'm guessing itss their paperwork? no T&C's etc?

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well, its not statue barred, not much charges/PPi so I'm guessing itss their paperwork? no T&C's etc?

 

Soory, just trying to sort it out in my head, thanks for replying. When I saw the "agreement", I must admit I thought this can't be right! It doesn't look like one I have EVER seen before

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