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    • OK.  All of us here have made mistakes in legal dispute - the important thing is to learn from the mistakes and get it right the next time.  So for future reference - 1.  Not a good idea to ignore a Letter of Claim.  The PPCs are on the look out for people who don't reply, as they think there is a good chance that the person won't reply to the claim form either, gifting them an easy default win. 2.  Not a good idea to fail to send a CPR request.  As they usually don't reply this gives you a chance to wallop them in your WS for not producing the correct legal permissions. 3.  Not a good idea to play your cards so early in your defence.  They will know how you mean to defend and will prepare accordingly to rubbish your arguments. Anyway, spilt milk and all that ... So what arguments do you plan to put in your WS?  You can't say "a bloke told me I could park there" as your opponent will just ridicule you for believing a load of baloney and not bothering to read the car park signage. I see you have questioned their right to bring claims under their own name (defence point 1) which is a start - but unfortunately you can't show them up for refusing to show their contract with the landowner following a CPR request. Who is this mysterious owner of the car park then who gave the permission and can they be involved? Your arguments about POFA (4) will fail as you've outed yourself as being the driver in your defence (3). You question their signage (17, 20).  Good.  Have you got photos of the rubbish signage? I'm afraid you don't seem to have real defence arguments that will stand up in court. dx is right - let's see the original PCN and any correspondence with UKPC.  
    • Thank you HB, I’ll speak to them. 
    • You need to speak to the student welfare people. They aren't the people who decide if you stay or not, they should be there for students. HB
    • I’m worried that if uni will expel me after knowing the shoplifting thing. I feel shameful about what I’ve done and I was kind of out of mind when I need money to survive. I will never do this again. 
    • There won't be any more amendments but please do upload The final version because other people who need similar help might find some of the contents useful
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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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1st Credit & Lloyds debt


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Another letter today. Are you supposed to be psychic with these companies? They've sent out a letter with no heading and therefore the only way to check who it's from is by checking who has signed it. LCS solicitors. Not had one from them in a while :-) They are the 'in house lawyers' of 1st Crud I believe? Pretty obvious it's a standard computer generated letter with exactly the same payment info on the reverse. They are informing me that unless payment is made within 9 days they may initiate legal action. I'm bemused at the duration of 9 days, and I guess the key word here is may

 

Not had a pink letter in 18 months, wonder when they'll send one of those again.........

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They have to have colour coded letter heads

because the can't read.:madgrin:

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They have to have colour coded letter heads

because the can't read.:madgrin:

 

Lol! This one is on buff coloured paper. They claim they've been instructed by their 'client' which is strange as surely they are the client being the same company :roll:

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have you sent the prove it letter yet

 

I have not as yet. This is due to it becoming SB in Feb. I'm unsure what my position will be if I send the prove it letter and they do indeed 'prove it' ? Would I be better trying to play the long game for the next few months and let them play their hand?

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They do like to play games, one part time ''solicitor''

and a paralegal and they think they rule the legal world:madgrin:

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TBH if they have not done anything in the preceding 5+ years then they aren't likely to, it is all willy waving, sending them the prove it letter is not an admission you owe this by any means, you never know they may actually come back with a "we are closing our files" missive.

http://www.consumeractiongroup.co.uk/forum/content.php?428-General-debt-letter-if-you-know-nothing-of-the-debt

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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TBH if they have not done anything in the preceding 5+ years then they aren't likely to, it is all willy waving, sending them the prove it letter is not an admission you owe this by any means, you never know they may actually come back with a "we are closing our files" missive.

http://www.consumeractiongroup.co.uk/forum/content.php?428-General-debt-letter-if-you-know-nothing-of-the-debt

 

Thanks for the input :-)

 

To be honest I think you're right on the lack of action front. The debt advisor I spoke with felt the same. I think what has riled them is that my credit file now shows a couple of new accounts including a mobile phone contract. OK owing money, not paying it whilst having a mobile phone contract is not exactly going to win you medals in the moral stakes. However it's not like I've concealed property or massive savings. I live off a military pension and ill health benefits.

 

Let's assume I sent the 'prove it letter' and they did come back with some proof that they are entitled to pursue the debt. I suppose my next step would be a CCA request? Where does all this leave me with regards to the debt being SB? I suppose thinking logically if they had cast iron legal proof they'd have done a lot more, a lot sooner.

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Your correct, if they had cast iron proof they would have done more a lot sooner.

 

I'd be inclined to switch to 3A 4B (if you know what I mean)

 

Wait out he 9 days and see what comes next, see if you get another fancy coloured bit of A4 to paper your toilet with!

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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Your correct, if they had cast iron proof they would have done more a lot sooner.

 

I'd be inclined to switch to 3A 4B (if you know what I mean)

 

Wait out he 9 days and see what comes next, see if you get another fancy coloured bit of A4 to paper your toilet with!

 

Bit confused, could you explain please? :-)

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It's Army jargon for radio silence, no light, no generators.

 

Lol, ah I get you now.

 

I'm hearing more often than not that 1st Crud are one of the more persistent of companies. Is this because they generally take things further (court) and get results, or just their basic M.O?

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Well they will have to get their skates on if they do wish to pursue this!

Besides you will have more than enough time to put in a solid defence if they were ever going to go down that route. You just have to keep asking yourself why no-one else, least of all the original creditor went near a court years ago?

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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They have started to escalate to CC claims very late

in recent months in my experience.

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Well they will have to get their skates on if they do wish to pursue this!

Besides you will have more than enough time to put in a solid defence if they were ever going to go down that route. You just have to keep asking yourself why no-one else, least of all the original creditor went near a court years ago?

 

One explanation could be a letter I sent to each creditor written by my doctor stating that I had been forced to retire from military service early through ill-health and that it was unlikely I'd return to work in the forceable future. Both if which are true. There's another aspect to that letter, but I'd rather not post that up in public.

 

JUST THE SOUND OF THE WIND:painkiller::painkiller:

 

Lol, fueled by some 48hr rat packs :razz:

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They have started to escalate to CC claims very late

in recent months in my experience.

 

I guess one way to pursue this is to let them play their hand. If I do get threatened with real court action I could then send the 'prove it' letter, then CCA request I presume? This I suppose would buy me time to the SB date. I think worse case I'll have to pay them £1 a month.

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Too true the barstewards can't have what you

haven't got.

 

If it did go that far opt for the small claims mediation route

no CCJ is recorded, but your'e a long way off that.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Yes if the worst comes to the worst, all you will end up paying them is £1 a month, but I don't see it getting that far, not after all this time.

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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Thank you both :-) I'll keep the thread up to date with developments. I may also have another angle to tackle it from should it reach the legal stage. I'll PM whomever would be interested to advise on that though.

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  • 3 weeks later...

Well after receiving a few letters from 1st Crud including a '12 days until legal action' letter it's all gone quiet. Are they likely to be looking for a CCJ by default given I've not contacted them? I'm obviously holding out for the debt to become SB, but really don't want a CCJ...........

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They can't just get a judgement in

default, they have to issue a claim

and only if you ignore the papers

don't acknowledge service, or

don't enter a defence, or don't

attend a hearing then they can

apply for a judgement.

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

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Agreed, if they issue you with a summons or SD, then depending on how it was delivered to you will depend on what your next course of action should be, but don't worry about something that has not happened or is unlikely to, they are only psychological threat letters, they go on a cycle, increasing in threats before being flogged on to the next DCA where the process starts again.

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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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