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    • Hi. Could you post up what they've sent please so we can see what the charge is? Cover up your name and address and their reference number. HB
    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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indebt00 - help with minicredit please


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Karlito

If you had read the post it refers to passing the matter

to solicitors to consider legal enforcement ie., issuing

a county court claim and it will indeed fall to solicitors

to enforce any judgment through the court system.!!

 

That isn't technically 'enforcement' though is it? It's making a claim. A claim which would fail.

 

The word 'Enforcement' has been deployed to create a false image.. i.e one of bailiffs etc, rather than undertaking a course of action that would be highly likely to fail.

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That isn't technically 'enforcement' though is it? It's making a claim. A claim which would fail.

 

The word 'Enforcement' has been deployed to create a false image.. i.e one of bailiffs etc, rather than undertaking a course of action that would be highly likely to fail.

The post you placed with reference to me being employed

by mini credit just shows how little you know of the real

world, that comment only appears in my inbox it seems

not on the open forum.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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nope it went out to everyone with alert emails

OTT IMHO, very uncalled for.

watching

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 is all this debt accumulated because the loan was not paid back on the first due date? I have just taken £150 with a repayment of £193.27 on nov 14th. Surely if i pay this back on that date no extra charges will apply?

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No, you owe the loan and the interest on the loan on the due date. No other fees should be added on.

 

This, I think, is where people don't realise the amount the interest actually racks up, it would be nice if it was pegged at say £25 per £100 seeing as it is a short term loan and not meant to be long term finance.

 

You will get nowhere trying to repay the £150 only and won't have any grounds should they take you to court.

 

Loan and interest for the period you borrowed applies.

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hiya just a update....as i said i sent a letter to fredrickson explaining that i already have made payment to minicredit etc and that i will not be paying anymore, also saying they can do what they like even take me to court!!!!

 

I recieved a reply from fredricksons which says ' please find account documents, provided by our client, as requested. We hope this clarifies matters and look forward to hearing from you with your proposals for the discharge of this account'....

 

I didnt ask for this informmation???? And also all they sent me was minicredit terms and conditions wit my address and email address and thats all. It does not state my account details, what ive paid, or what i originally borrowed???????

 

What do i do next, any advise much appriciated x

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ignore

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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  • 4 months later...

hiya a update on my account... i recieved a letter from fredricksons a couple of weeks account which said my account has been passed back to minicredit... and today i recieved a letter from OPOS, who are now asking me to pay up etc Anyone heard of them???? any iddeas on what to do next please.... thankyou

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same

 

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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Ignore them and report to the OFT/Trading Standards, Fredericksons pulled out of collecting debt for Payday loan companies due to the interest of the OFT/Trading Standards and other parties - so this lot have got hold of a lemon.

 

http://www.consumerdirect.gov.uk for the OFT, remind them that Freds had it previously and dropped it and that the OFT are investigating payday loans

http://www.tradingstandards.gov.uk for Trading Standards

 

Passing a debt between multiple collections people is against the OFT Guidelines on Debt Collecting.

 

You could also contact Walthamstow MP Stella Creasy who is active in the payday loan area... she has people waiting to name and shame these companies.

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  • 4 weeks later...

just a update!!! i have made many complaints about this company!!! but today i recieved a letter from DERS a final notice of intent!! also in the letter it mentions if i dont payup in 7 days they will seize my wages etc!!!

 

i dont understand why they dont get the message that im not paying anymore then i already have!!!! Anyone have any ideas please??? xx

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they can do nothing of the sort

 

read the letter properly

 

if,but,might,could, intend, etc etc

 

ignore them

 

and post that letter up please for ref:

 

scan the required letters/agreements/sheets

as a picture[jpg] file

remove all pers info inc barcodes etc using paint program

but leave all figures and dates.

 

goto one of the many free online pdf converter websites

it would be better to upload a multipage pdf

than many single ones

or if you have PDF as an installed printer drive use that

or use word and save as pdf

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.

then 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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just a update!!! i have made many complaints about this company!!! but today i recieved a letter from DERS a final notice of intent!! also in the letter it mentions if i dont payup in 7 days they will seize my wages etc!!!

 

i dont understand why they dont get the message that im not paying anymore then i already have!!!! Anyone have any ideas please??? xx

 

As dx said. They cant and wont do anything. They are simply scaring you into paying it back. As for DERS, they have NO legal rights to do ANYTHING in relation to your debt. Tell them to go "eff themselves".

Think about it. How would they take your wages? If they touched it without your permission, then they would have stolen it and would be under a heavy police and government investigation.

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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  • 4 weeks later...

Ignore it. Theyre the same company.. They will NEVER be able to justify an £80 loan escalating to almost £1000 in just 6 months.

 

Can you post 1 or 2 of their letters in a separate thread, minus any personal info? We can then advise you on what to do next, although your first step is to sent them a notice of dispute and get a complaint with the OFT. The dispute, basically holds the account in limbo, and they cant proceed with any collection attempts, adding on charges and interest etc. Coupled with the OFT complaint, the only people that can resolve the dispute is either the OFT, a judge, or them backing down and agreeing that you only pay the REAL amount you owe.

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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