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    • please complete this: and post up the defence you filed too    not sure where you got that from... is this the same issue? Logging on to MCOL - is the site down? - Financial Legal Issues - Consumer Action Group  
    • thanks for bothering to update us after all the free help.... dx  
    • Hi all,  I really need to start my own thread on this Claim with Overdales/Lowell for a Cap One debt. but have already got to this stage .. My initial question for the moment - until replies come in - is that I figure my main stance is that a purchased debt cannot be claimed, debts can only be claimed by the original issuer of the debt .. but mediation is about coming to an agreement. would I be acting in bad faith if I enter into mediation yet not seeking to come to a financial agreement? Also, I need to reject the scheduled time slot and ask for another as I'm not going to be free during those hours. The wording of the email gives the impression that I am given this one slot and if I reject it, then I am rejecting mediation - there is no mention of rescheduling, only of freeing up the slot for others .. although, I would have thought it would say so, if there were no possibility to reschedule.. Can I ask for another date without issue? I am happy to post up my defence and start a proper thread? I had a lot on at the time and had to do things right away due to the time limits, so didn't feel I had time to come here and go back and forth for info, put my defence together from reading through relevant threads, late at night. CCA request appears to have been fulfilled (I'm still to check the accuracy of the documents). The other thing, asking solicitors about the particulars of the claim, hasn't .. although I forgot to ask for proof of postage and didn't send recorded post either (whereas the CCA I did), so not sure if I can pursue that easily ..?  
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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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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




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



Woolwich - £2288

S.A.R, prelim and LBA sent.

Offered half

Moneyclaim filed online 02/08/06

Judgement filed online 23/08/06





Smile - £175

Pelim 23/06/06



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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