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    • As i don't have any mitigating circumstances other than trying to save pennies, will they fine me to the maximum? What is the maximum fine they will impose? I honestly don't know how many times i use it.  I will get a criminal record which means i can't find another job? Will they prosecute my partner?   
    • Yes. They won't inform your employer but you may need to. You need to check what it says iin your employment contract. I don't think it usually causes huge problems for most people. HB
    • Good afternoon. I've read a few threads briefly regarding a dmp with stepchange and was 95% complete with setting one up when I noticed the advice of letting things default instead and/or managing a dmp yourself. My current situation is the following £470 owed to Jacamo. Has not defaulted. Currently on a £10 payment plan with them for 12 months. Not sure what to do here £2700 owed to Vanquis - Credit Card. Has not defaulted and I have not missed payments. I am unemployed and even making a £200 payment from my benefit means £80 odd gets eaten thanks to interest. Guessing I let this default and then set up a payment plan after? £2500 owed to Lowell who bought from Very and passed on to Overdales after I ignored them. Last payment to Lowell was 30th November 2022. Plan here was to fight them in small claims court if it ever gets that far, assuming the worst. Any advice is very much appreciated, thank you.
    • will they inform my employer and sack me?  
    • Ok, so they will look back a max of 1 year's record and ask me to tick which ones were used by me?  
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Welcome Credit Agreement-Figures wrong-Enforceable?


Jonny_J
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did you send our conc sb letter before?

 

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 it wasn't DX, but I have just sent one that will be delivered to Robinson Way on Monday and it is 'signed for' so I can track it as well.

Worry tends to make the smallest thing throw the largest shadow - Swedish Proverb

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Then that's why you are being targeted

 

That letter should put them in their box now

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

Good news (I think). Although I sent the CONC 7 letter on Saturday (which was signed for by "Alexander" yesterday morning (Monday), I received a letter from Robinson Way yesterday saying:

 

"We acknowledge your recent communication and write to inform you that the account to which you're referring is now closed on our files."

 

However, it also says:

 

"We will pass any relevant documentation/information that you have sent on to our client to deal with accordingly.

For your future reference, our client can be contacted at the following address:

HFUKH1L (Ex Welcome Finance Limited)

Quays Reach

Carolina Way

Salford

M50 2ZY"

 

This makes me suspicious even though it is their own address. I am worried that they are going to try something else.

Worry tends to make the smallest thing throw the largest shadow - Swedish Proverb

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It means that they know theyre gonna have no luck because someone challenged them, so theyre passing it back to the owner. They only like dealing with debts where nobody challenges them as they know the debts are already on shaky ground.

 

Which is the parent company of robbers way.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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just relax and go enjoy christmas and the new year.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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who were robbers ways client HPH2?

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

  • 2 weeks later...

ah yes sorry in post 1 you say MKRR

well Hoist portfolio group bought up them years ago.

 

so should be the end of it all then SB'd.

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

  • 3 weeks later...

A quick update:

 

After sending the Conc 7 letter, which was signed for and received by Robinson Way, I have now received a letter from Hoist Finance saying:

 

We refer to your recent communication in which you made a complaint regarding the above account.

Please be advised that our investigations are still ongoing and we will be in a position to issue a response to you once our enquiries are complete, no more than four weeks time from now.

 

Should I be expecting them to try some sneaky trick or can I ignore this. I don't remember ever making a 'complaint' so I'm a little concerned about this.

Worry tends to make the smallest thing throw the largest shadow - Swedish Proverb

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Just the usual silly letter from them. Once its SB its SB, although knowing them theyll try and say you made a small payment around 5 years ago.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Thanks for the reply. I seem to remember that there was a requirement to have PPI on the load. Do you think its worth looking into?

Worry tends to make the smallest thing throw the largest shadow - Swedish Proverb

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Oh yes

Send welcome an sar

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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urm click sar??

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

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