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    • if the agreement was taken out jan 23, then she has not reached the 1/3rd mark so the car has not become protected goods under the consumer credit act.  this puts her in a very very vulnerable position regarding ever keeping the car....whereby once they have issued a default notice they can legally send a guy with a flatbed (though they are NOT BAILIFFS and have ZERO legal powers) to collect the car.  if the car is kept on the public highway then they can simply take it away and she will legally owe the whole stated amount on the agreement AND lose the car. if it's on private property i'e like a driveway, ok they shouldn't take it without her agreeing, but if they do, it's not really on but its better than a court case and an inevitable loss with the granting a return of goods order. are these 'health reasons' likely to resolve themselves in the very short term (like a couple of months?) and can she immediately begin working again ? i'e has she got a job or would have to find one?  answer the above and we'll try and help. but she looks to be between rock and a hard place . whatever happens she will still have to pay the loan off...car or no car....unless you can appeal to the finance company's better nature using health reasons to back off for xxx months.
    • no need to use it. it doubles the size of the thread and makes it very diff to find replies on small screens too. just like @username it - sends unnecessary alerts to people. everyone that's posted on your thread already inc you ...gets an automatic email alert when someone else posts.
    • Hello all,   I ordered a laptop online about 16 months ago. The laptop was faulty and I was supposed to send it back within guarantee but didn't for various reasons. I contacted the company a few months later and they said they will still fix it for me free of charge but I'd have to pay to send it to them and they will pay to send it back to me. The parcel arrived there fine. Company had fixed it and they sent it via dpd. I was working in the office so I asked my neighbours who would be in, as there's been a history of parcel thefts on our street. I had 2 neighbours who offered but when I went to update delivery instructions, their door number wasn't on the drop down despite sharing the same post code.  I then selected a neighbour who I thought would likely be in and also selected other in the safe place selection and put the number of the neighbour who I knew would definitely be in and they left my parcel outside and the parcel was stolen. DPD didn't want to deal with me and said I need to speak to the retailer. The retailer said DPD have special instructions from them not to leave a parcel outside unless specified by a customer. The retailer then said they could see my instructions said leave in a safe space but I have no porch. My front door just opens onto the road and the driver made no attempt to conceal it.  Anyway, I would like to know if I have rights here because the delivery wasn't for an item that I just bought. It was initially delivered but stopped working within the warranty period and they agreed to fix it for free.  Appreciate your help 🙏🏼   Thanks!
    • As the electric carmaker sees sales fall and cuts jobs, we take a closer look at its problems.View the full article
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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.

      Frankly I don't think that is any accident.

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lloyds claimform - old tsb debt - Lost Case - agreed variation order - but DCa's keep still chasing to up agreed payments


Dorabell
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Hi, Dora allow time for Bank Hollidays.

Post is very slow at the mo, My car insurance

certificate is due and the insurer stated that

Royl Mail has told the company that their franked

mail will now take 7-10 days to be delivered.

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Cag library non compliance I think.

Although a simple reminder stating

date sent and time elapsed is a s good

and send to the data controller recorded

delivery.

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

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  • 3 months later...

4 threads on the same debt merged for history

 

please keep to one thread per debt

 

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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  • 2 years later...

hi all

i need your advice on this again

i thought this had been finished with

im baffled just received in the post

here goes

dearxxxx

lloyds bank plc v yourself

claim number xxxx

judgement balance xx

We write to advise that gj cooper now acts on behalf of lloyds bank plc part of lloyds banking group in place of p simmons SMC solicitors

We enclose notice of change of solicitors for your reference 

The court has been notified of the change

We will contact you further with regard to the above mentioned court proceedings as appropriate

if you have any queries in relation to this claim please contact this office legal recoveries gl cooper

on the next letter

here goes

notice of change of legal representative

in the xxx court claim number xxx

name of defendant xxxx

note you should tix box a. b. c

they have tick box b, and c

....................

can they take me to court again for this claim im baffled

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I'm as baffled as you are Dora!!

I don't think we ever discovered if there was an earlier claim ?

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!

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dora hi

haven't read thru all thread. but, remind, there was a ccj, you've been paying it (and still are) as per an instalment order. they applied for a CO, that was refused?

since then, you now have had a notice of change of sol.

do you mean scm sols?

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yes they won the ccj still paying instalments order yes had a notice of change yes scm now gj cooper solicitors thanks for looking

ok

loyds scm sols went defunct awhile ago. (loyds got into a bit of trouble (as usual) for using scm template letters when scm as such didnt actually exist anymore). so, maybe it is just a formality re that.

otherwise, they may be looking to apply again for a co, or vary the inst. order? if so though, you wld get notice of any such application.

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hi

see post #522. prob just a formality then.

nothing for you to do.

(re my prior post, actually i dont think they wld be able to reapply for a CO on the same matter things being the same?)

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  • 1 year later...

hi all need a little bit of advice again on this above

received a letter supposed to be from lloyds bank saying they have passed this account on to Moorcroft

this was taken to court in sept 2009 which they won

i have been paying instalments ever since and asking for the full amount can they do this?

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nope ignore moorcrap totally

they don't own the debt

and are a powerless DCA.

 

 

lots of Lloyds customers in the same boat as you have had the same letter.

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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I did not think they could sell a court debt. Though rules may have changed that they an do. They should have been made aware of the court order so don't bother to do anything carry on playing who the courts have ordered you to and how much you have been ordered to. Unless you receive a court order that says to pay Moorcroft then don't.

If they start harassing you tell them in no uncertain terms they are to go away as the courts have ordered you pay Lloyds at XXX a month and you will continue to follow the courts orders. If you do tell them they will deny any knowledge of the court order as Lloyds did not tell them. I no this might smell like BS but they will try anything if even once.

On and to make you laugh the local Moorcroft agent came banging on my door for the dead ex resident and told me l would be arrested for obstructing him if l did not go get my dad. I laughed at him and treated him to a lesson in the law. I had been sending all letters back to the people who right to the ex resident

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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