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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
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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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      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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WESCOT DEBT COLLECTION - Urgent Help Please


bagultrait
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Hi

 

I recently contacted Wescot Collection agency asking them for proof of the debt that I owe. They replied asking for my Date of Birth and my previous address in order for them to get the information due to the Date Protection Act? Shouldn't they already have this information on their system? I feel like they should and don't want to pass on any information that will put them in a position of power. They have given me until the 2nd of March to provide the information.

 

I've had a look round the forums and can't find anything that states if I should or not. Any help would be much appreciated.

 

Heres a copy of the letter I sent them for further reference

 

Hope someone can help.

Thankyou

 

bagultrait

 

 

To Whom It May Concern:

 

I am sending this letter to you in response to a notice I received from you dated 07/02/2012. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.

 

This is NOT a request for “verification” or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following:

 

• What the money you say I owe is for;

• Explain and show me how you calculated what you say I owe;

• Provide me with copies of any papers that show I agreed to pay what you say I owe;

• Provide a verification or copy of any judgment if applicable;

• Identify the original creditor;

• Prove the Statute of Limitations has not expired on this account;

• Show me that you are licensed to collect in my state; and

• Provide me with your license numbers and Registered Agent.

 

If your offices have reported invalidated information to any of the three major Credit Bureau’s (Equifax, Experian or TransUnion), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following:

 

• Violation of the Fair Credit Reporting Act

• Violation of the Fair Debt Collection Practices Act

• Defamation of Character

 

If your offices are able to provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.

 

Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.

 

If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

 

I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter.

This is an attempt to correct your records, any information obtained shall be used for that purpose.

 

Best Regards,

 

Me

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The current phrasing is

 

I DO NOT ACKNOWLEDGE ANY ALLEGED DEBT TO YOUR COMPANY/CLIENTS/ASSOCIATES/AFILLIATES.

 

Can I ask why you are quoting an AMERICAN act which is not relevant to this country at all. I do hope you have NOT sent that missive, it is completely wrong.

 

A complaint to Trading Standards is in order as Westcot aren't supposed to ask for further information - it is for THEM to prove you own them, not YOU to prove you are not the person they are looking for.

 

Mistracing is rife in the DCA 'industry'. Westcot are known as Wetcloths on this form..

Edited by sillygirl1
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Rather than quoting US legislation, it would have been better to use the OFT Guidance to challenge them. In particular, you could have pointed out that pursuing someone when not certain that they are the debtor is an unfair practice; asking for your DOB and previous addresses indicates that they are not sure of your identity, so they shouldn't be demanding money.

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Thankyou. Massive mistake quoting an American act. I obviously referenced letters from an american debt collection help site.

 

To my next letter I shall add

 

I DO NOT ACKNOWLEDGE ANY ALLEGED DEBT TO YOUR COMPANY/CLIENTS/ASSOCIATES/AFILLIATES

 

So I should now send them a letter stating it is unfair practice to ask for my DOB and address within OFT Guidance. Are there any template letters relevant to this on the site?

 

Thanks again for the help

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Thankyou. Massive mistake quoting an American act. I obviously referenced letters from an american debt collection help site.

 

To my next letter I shall add

 

I DO NOT ACKNOWLEDGE ANY ALLEGED DEBT TO YOUR COMPANY/CLIENTS/ASSOCIATES/AFILLIATES

 

So I should now send them a letter stating it is unfair practice to ask for my DOB and address within OFT Guidance. Are there any template letters relevant to this on the site?

 

Thanks again for the help

 

if you've already sent the letter you may as well see what they come up with. ;)

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Hi again

 

Sorry, I don't think I've explained my story very well so I'll start again :)

 

I received a letter from Wescot stating they had been instructed by their client to collect a debt off me.

 

 

 

They wrote back to me asking for my date of birth and my previous address in order for them to not breach the Date Protection Act and continue with my enquiry. They state they require the information by March 2nd.

 

I am now wondering if I should reply giving them my DOB and previous address. It seems to be that they need this information to pin the debt on me, rather than aid with the enquiry into proving the debt is actually mine?

Should I now send them a letter stating it is unfair practice to ask for my DOB and address within OFT Guidance? and if so could someone point me in the direction of the relevant information/template letter that I will need to send

 

Thankyou again

Edited by Andyorch
Letter removed as not applicable to UK
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As has already been stated above they are fishing. According to OFT guidelines in order to pursue a debt they must be certain that the person they are chasing is in fact the debtor. It is not your responsibility to produce any information to prove that they have the right person.

 

Personally I would tell them in no uncertain terms to either put up or shut up & then make a complaint to trading standards of their breach of guidelines.

 

You can do it online through http://www.direct.gov.uk/en/Dl1/Directories/UsefulContactsByCategory/Governmentcitizensandrightscontacts/DG_195948

 

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

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  • 3 years later...
I'm in a similar situation. I will try the same letter

 

I suggest you look at the letters in the library before you use any draft from the public forums that are so old !

 

This thread is 3 years old and there have been a few changes to Debt Collection and the Consumer Credit Act in that time.

 

I also notice that some of the information contained in the drafts posted would only be valid in the USA ?

 

 

If your offices have reported invalidated information to any of the three major Credit Bureau’s (Equifax, Experian or TransUnion), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following:

 

• Violation of the Fair Credit Reporting Act

• Violation of the Fair Debt Collection Practices Act

 

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Uploading documents to CAG ** Instructions **

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Dealing with Customer Service Departments? - read the CAG Guide first

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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:lol:

 

God no don't send that letter....

 

Why not start a new thread

Of you own

 

And tell us all about the debt

 

Might be best to do nowt..rather than invite letter tennis

With a powerless dca

They are not baillifs

 

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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