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    • Yes, I understand that but I thought, given that's a strong point, they might decide to discontinue and it might not go any further. Not that I'm bothered about going to court, it's just that I don't get anything out of it if I do. I propose a new rule. If the defendant wins, the claimant should have to award the defendant the sum of costs they were seeking. Which in my case is £140 thank you very much. Then it would be worthwhile and they might think twice about pursuing through the courts, lol!    😃
    • The Tories election campaign is basically whatever the Daily Mail and Express write about as concerns of the 'British people'.  The latest speech by Sunak about sick note Britain is the latest. Perhaps there needs to be a discussion on the mental health crisis that is stopping a large number of people from working.  When people are having to wait for months for a Mental Health assessment and then a very long time for any therapy treatment, then that is not going to help. The problem with many politicians speeches is that they identify problems, but when it comes to solutions that are going to cost billions, plus take many years to put into place, they shy away from the practical actions that would be required. Instead they will come up with some slight tinkering actions at a cheaper cost, that won't make much difference.  There are probably  hundreds of thousands of disabled people who would like to work, but many employers won't offer them employment as they are not willing to make the reasonable adjustments to make it happen. If the Government pledged to support employers financially with the costs that would be incurred, then I am sure we would see many more disabled people in workplaces.
    • yeah the outstanding balance is correct as I was already in a payment plan with hmrc up till about a year ago when they suddenly stopped taking payments from my bank so me being naive I just left it assuming they would get back in contact to resume payments but instead I got this letter.. I am just glad it won’t show on my credit file as I have only just got it to excellent   
    • I've had a look on their site to see if there is a way to download photos, but haven't found anything. The best thing is to send them a SAR on Monday.  Invest in a 2nd class stamp and get a free Certificate of Posting from the post office. That way they will have to produce the original invoice, a windscreen ticket if it exists, photos, etc.  
    • So today I’ve recieved a letter from J&P after a long time this time with forms attached to respond back about how much I can repay etc and that if I do not respond within 30 days court proceedings will apply   I had wrote to NBD bank to inform them of my new address and to resolve this matter last month, but I haven’t had any confirmation or heard back from them. Should I write to them again?
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      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.  

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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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NCO Europe??


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Anyone heard of these? I knew my SAR to Cap one would ruffle some feathers (I'm convinced its them). The pestering calls have started (and firmly ignored)

Having just about been able to understand the 901 message- it led me here. It amused me to see this on there collections page - considering how evil there calls can be:

 

 

NCO Finance & Accounting Services (Europe)

First Party Collections

dot.gif

 

 

NCO provides a customized, customer service approach that delivers results.

 

 

 

Although companies understand the importance of contacting customers early in the delinquency cycle, some do not have the resources necessary to sustain consistent and cost-effective outbound telephone campaigns. NCO provides a customized, customer service approach to contact customers and remind them of their obligation to pay their account.

 

NCO typically makes reminder calls in the client's name to recently past due customers and courtesy collection calls to more seriously delinquent customers. NCO leaves a respectful message on answering machines/voice mails if telephone contact attempts are unsuccessful after the second day.

 

NCO's first party outbound calling campaigns have proven benefits including:

  • Calls deliver more than double the response of a written notice
  • Calls generate payments five to eight days faster than a written notice
  • Calls generate a higher percentage of payments than written notices
  • 70 to 85 percent of customers contacted pay or make arrangements
  • Reduce operating expenses

:mad: And my right to a family life?.:shock:

Good job I never pick up my phone unless I know who it is.

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Your account is in dispute therefore NCO cannot pursue you at this time. Advise them that section 13.6 of the Banking Code clearly states that you may only pass details of my debts to the credit reference agencies if the debts are not in dispute

Lloyds TSB - £972

S.A.R, prelim and LBA sent

Claim acknowledged

Defence received

AQ 20/06/06

***FULL SETTLEMENT RECEIVED 20/07/06***

 

Woolwich - £2288

S.A.R, prelim and LBA sent.

Offered half

Moneyclaim filed online 02/08/06

Judgement filed online 23/08/06

WARRANT FILED ONLINE 30/08/06

MONEY RECEIVED BY BALIFF 04/10/06

***FULL SETTLEMENT RECEIVED 09/10/06***

 

Smile - £175

Pelim 23/06/06

***FULL SETTLEMENT RECEIVED 07/07/06***

 

My Ex vs Woolwich - £715

S.A.R sent 30/08/06

Pelim 06/10/06

LBA 20/10/06

 

Advice & opinions provided are personal, and not endorsed by CAG or BAG, 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.

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