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    • I'm just trying to be practical Do A Deal.   Mediate - they will give you few option and maybe nothing - but get rid of the default - off your record not just settled or satisfied.   Whatever you agree to make sure you stick to it or they might be back. Once it's over it will be behind you.    
    • Hi guys,    I got a straight lettr from Debt Recovery plus, and no other notice. the car is leased and I beleive it went to the lease company first. below is the details    For PCN's received through the post [ANPR camera capture]   please answer the following questions.   1 Date of the infringement    26/06/2019   2 Date on the NTK [this must have been received within 14 days from the 'offence' date]   Not sure, as the lease company recieved this. I only recieved a leeter from our registered address on the 11.09.2019 requsting £160, and than further letter on the 20.09.2019 with a notice to court   3 Date received   Not sure, as the lease company recieved this   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?]   Not sure, as the lease company recieved this   5 Is there any photographic evidence of the event?   Not sure, as the lease company recieved this   6 Have you appealed? [Y/N?] post up your appeal] Have you had a response? [Y/N?] post it up   No, I have called them to ask for the original notice, and they said they will email this, but this has not happened. this was on the 20th September at 13.49   7 Who is the parking company?   APNR Parking Services Ltd   8. Where exactly [carpark name and town]   Prioiry Walk Service Yard, Queen Street, Colchester CO1 2PL   For either option, does it say which appeals body they operate under.   Does not state this    I fear that I cannot appeal because of the delay from getting it from the lease company, etc.    any help here would be greatly appreacitted   thanks   Irfan Khan     WORKFORCE - 11.9.2019.pdf WESL - 20.9.2019.pdf
    • Neither does your posts as we have already seen .. in posts 7 and 8           and still none.  
    • Hello,   i have recently missed a DD payment to X4L and have incurred a charge from harlands of £25, which i emailed in response to advising not  to take the payment on the next DD date due as advised in the letter received.   i confirmed over the telephone this was the appropriate action to take.   fast forward a week or so later and i get another letter advising another £25 has been added to the account despite my request.   i have absolutely no issue with payment of the first charge as this is my own fault etc. however i feel like the second occasions is ridiculous as i received no correspondence to advise it would still be taken...   Is this entirely my fault or am i within my rights to not make payment of the second charge?   i have looked through many forums and each case seemed to be ever so slightly different and wanted to ask the question?   thanks!!   
    • I don't know if this will be of any use for you but I have very  recently had a small claims against Lowell for the removal of my default from my credit report. Forget Principles! Right or wrong. Due or not due. Pay it and move on. Get out of there asap. Feel sick - I did and do. Get it settled or satisfied. (Settled paid in full. Satisfied part paid Do a deal and get it in writing.  Unless you have £1,000+ to lose or feel lucky? Remember it's the lottery in reverse and you have just won the..... Lowell fish in a barrel award.  Lies, dam lies and statistics. Then there are the mobile phone companies and Lowell.  £320 (12m -  £25pm/£6pw/ couple of pints a week?) v ? You need a solicitor or barrister? Costs if you lose plus theirs? Plus six years of misery - do not go there. In reality to do it properly you need to put £3,000+ in a bank and write it off if you lose. Appeal? Advice - look at the downside. As the Judge said why not just pay it - because I don't owe it is surprisingly not the right answer. Remember it is a lottery and work out the odds.   My case: Lost.It was quite apparent the judge had little time, knowledge of the Data Protection Act, no knowledge of the Law of Property Act 1925 ( labelled as 'archaic' and then 'technical'  and no conception of how Credit reference Agencies work. They had a barrister who he 'conferred' with and a witness statement from the Lowell Barrister. Whatever they said was llke the word of god.  Whatever I said was taken the opposite way. The judge claimed to have never sent anything by recorded delivery and the barrister..oh i agree! LPA s196 (3) includes a postman delivering by hand and S196 (4) recorded delivery is therefore only optional! If only I  had a few million spare.
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ngj78

Egg Loan - Solicitors letter valid?

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Hello all,

 

I fell behind on my egg loan some months ago. It went to default and then to two debt collection agencies (or perhaps one but with different names!).

 

I've not received a couple of letters, allegedly from a solicitors. Question one is if I should take this seriously? http://i557.photobucket.com/albums/ss15/njohns78/EggloanSolicitorsLetter0002.jpg

 

I have received documentation from egg but have just been poor scanning/uploading and checking. The loan would be from about 2008.

 

My thought is to put a holding letting into the solitictor saying that I'm investing the legality of the CCA and correspondence is being put together for egg?

 

That sound sensible? any other advice welcome.

 

Many thanks

 

NGJ

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this company is very aggressive in its speed which it goes to court, whatever you do (following the good advice you will get do it quickly) I have read on numerous forums that this company are particularly nasty and can be aggressive in their dealings.


I know my rights Mr DCA I'm with the CAG......hello hello where you gone Mr DCA8)

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tell us the history, all of it, and figures please

bryan carter are aggressive but can usually be batted off if done properly

 

have a look in the bryan carter forum

 

dx


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If your loan was taken out after 2007, then chances are it has all the I's dotted and the T's crossed.

 

Was there any PPI added, which could possibly have been mis sold ?


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Unfortunately no PPI :(

 

Struggling to find the paperwork so may have to CCA again. Would I do that to BC or Egg now?

 

Thanks for everyones responses.

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I should have said its for about £15,000. Not sure if the amount makes a difference on how hard they will chase?

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Sorry to repeat a recent question but want to respond quickly....

 

should I CCA egg or Bryan Carter now?

 

Thanks.

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what good will that do?

 

you need to tell us the history as advised above

 

before carter slaps court papers on you.

 

dx


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ok...... apologies in advance for being a bit sketchy, I'm away with work but need to respond to BC by the 26th, so feedback welcome on the little info I can provide.

 

I took out a loan for £15k in about 2002. I then subsequently topped this up 2-3 years later to £25k, consolidating all of my debts at the time. About a year ago I became unable to pay the monthly £400, my view at the time was better to pay 2-3 other debts than just one. Subsequently the account went into arrears and then into default. The debt was oringally passed to Frederickson's - who I didn't take sersiously.

 

I've not responded to BC at all yet. Given that I now only have a couple of days left to do so then want to say something, even if a delaying tactic.

 

My earnings are still very low. I certainly couldn't afford £400 a month, if I need to start making repayments - to stop a CCJ. I am also a company director so this really wouldn't help me!

 

Many thanks in advance for your helpful words.

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If of note I should have also added that I have two credit cards with egg - of £3.7k and £3.8k. Both services have been withdrawn but I am making the minimum monthly payment - not sure that is relevant with any response in trying to settle this.

 

Thanks again.

Edited by ngj78
typo

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ok

 

pers i'd pay SOMETHING even if its £1PCM

 

as would be the norm as these aRE NOT priority debts

 

have a read of seq's blog in my sig.

 

and you call the shots not them

 

take control its YOUR money.

 

dx


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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Thanks dx.

 

Is the intention of this to slow them down or that they have no choice to accept? (sorry if an obvious question!)

 

Is there anything I should/shouldn't say in a letter in response?

 

Thanks again.

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Bump. Sorry! If anyone can assist it would be appreciated. Just wanting to know what I should put in a letter?

 

Thanks

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have you read the blog i mentioned?

 

there is no need to send them anything if you wish you could

but you need to pay 'something'

£1PCM is fine.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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ok, letter received at the weekend from the lovely BC basically asking me to complete an 'official Financial Statement form', and they they "cannot consider my circumstances unless this properly completed form is returned to us within SEVEN days."

 

I have read previously that this is option but what is peoples advice as the best way to deal with this?

 

Thanks in advance.

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Hi there

 

Personally I would not send them a financial statement. Their "official Financial Statement form" is just a load of wally. So is their statement about considering your circumstances. Your circumstances are nothing to do with them.

 

As dx says, pay them something even if its only £1 PCM. They can't have what you aint got.

 

And read the blog he mentions too

 

ims


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1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

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You can design your own Financial Statement or even use the one below provided by Ellen of the site team. As long as you sign it then you do NOT have to complete theirs. Do not identify your other creditors by name.. just put something like "Personal Loan", Credit Card 1, 2....

 

You do NOT have to provide bank statements, utility bills, wage slips, benefit advice notes.. .

 

When signing the statement, make your signature slightly different to that normally used or sign over a grid of "xxxx"

 

[ATTACH]28175[/ATTACH]


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

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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