Jump to content


  • Tweets

  • Posts

    • Makers of insect-based animal feed hope to be able to compete with soybeans on price.View the full article
    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
    • well post it here as a text in a the msg reply half of it is blanked out. dx  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 1 reply
    • Hello,

      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.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
        • Like
      • 161 replies
    • 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.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      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
        • Like
  • Recommended Topics

Been paying DLC for 5yrs on old Abbey Card 'debt' - NO CCA!


salbee
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3483 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

The ''sale price'' of the debt is a confidential contract between the OC and the debt purchaser.

 

Yes you are dealing with DLC now.

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!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

  • Replies 208
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Hi, today my husband got a nasty letter from the woman at MDB threatening 'doorstep collectors'. I have received a separate intro letter from same co. Can we ask they deal with us as one rather than separately? Also I guess I can send the no business by telephone letter?

She has asked we call to discuss options. It has a menace to it!

 

There is an email address which I think I might use... Any tips with this new approach?

Thanks x

Link to post
Share on other sites

Hi, today my husband got a nasty letter from the woman at MDB threatening 'doorstep collectors'. I have received a separate intro letter from same co. Can we ask they deal with us as one rather than separately? Also I guess I can send the no business by telephone letter?

She has asked we call to discuss options. It has a menace to it!

 

There is an email address which I think I might use... Any tips with this new approach?

Thanks x

 

If you wish to communicate by email then would suggest you set up a hotmail address that can be discarded later.

 

If the letter is as threatening as you say, then get a copy of it off to the Office of Fair Trading.

 

It is your legal right to communicate in writing - even more so in view of the threats they have made . I am sure they will be aware that communicating threats over the internet and telephone system is a crime !!

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

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

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

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

Link to post
Share on other sites

I have already set up an email address for this very purpose. Should I make an offer of payment? I can't see any other way forward. They have provided what I asked for and I guess it is owed (despite the fact they must've bought the debt at a rock bottom price and I have paid it back twice over). I really am stuck now, I don't know what to say to these people....

Link to post
Share on other sites

WHY IMHO are you even CONSIDERING to communicate with them?

 

the debt has been clarified as SB'd

 

any low life DCA will now try their luck.

 

its called pass the lemon.

 

IGNORE!!

 

now your comms should be to DLC as post 171

 

WHERE IS THE MONEY I PAID YOU GONE!!

 

its NOT gone off the 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... 

Link to post
Share on other sites

If this debt is statute barred then as already advised, why are you continuing to communicate with them ? Send the SB letter. If they continue to pester you, then you should make a complaint to the OFT.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

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

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

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

Link to post
Share on other sites

Send the following letter to the Compliance Manager at DLC.

 

Ref: use theirs.

 

Sir,

 

I refer to the alleged debt for £ xxx.xx which you cliam is owed by me, please note I do not acknowledge any liability for the alleged debt and have concluded that the alleged debt is statute barred therfore I will not now or inthe future make any payment.

 

Should you wisg to dispute the status of the allgede debt you are reminded that the onus of proof that the debt is not statute barred lies entirely upon your company.

You will now cease to process all data relating to me and remove it from your record, you will inform of your compliance with these instructions within 7 days.

 

This is my final response.

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!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

I wasn't sure our debt qualifies as SB? Can I just clarify; is the debt SB because I haven't paid anything in the last 6 years to the OC? I ask because of course I have acknowledged the debt insofar as I have been paying the DCA.

 

Thanks for all your help as ever. x

Link to post
Share on other sites

No Payment or written acknowledgment in 6 clear years includes payments made to 3rd parties such as debt purhasers or debt collectors.

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!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

yes but, we have no proof the payments HAVE gone off the debt

as they certainly are not documented by the OC

[but poss wont as it sold]

 

its fallen off the CRA too so no help there.

 

just because a dca can get a copy of the CCA poss proving they own the debt

it doesn't really prove anything

 

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... 

Link to post
Share on other sites

I wasn't sure our debt qualifies as SB? Can I just clarify; is the debt SB because I haven't paid anything in the last 6 years to the OC? I ask because of course I have acknowledged the debt insofar as I have been paying the DCA.

 

Thanks for all your help as ever. x

 

If you have been making payments off the account in the past 6 years then it is not statute barred.

 

Has the debt been assigned/sold to the DCA to whom you are paying ? If not, then they will be forwarding the payments to the OC and these should show as reducing your balance. If you are not receiving statements at the very least every 3 months then you should demand them.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

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

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

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

Link to post
Share on other sites

Made a couple of enquires re payments made to DCA's acting as agents of the OC, for admin convenience these may be forwarded 3 monthly or 6 monthly to the OC to cut costs.

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!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

right, I am a LONG term battler against DLC (please feel free to read my original threads for reassurance)

 

I am going to tell you straight from direct experience of these people

 

they are a DCA who haven't got a clue, in the early days I was scared silly of them then I came here, got some sterling advice, became empowered and now I find them to be highly amusing in the most condescending manner you can imagine

 

MCB ARE DLC just under a different name, have dealt with both.

 

if they havent sent you a valid CCA (they sent me an application form and then acknowledged it was an application form in their letters bless them) then dont pay them, after a while the letters die down to the "annual statement" then peter off totally, I dont even get an annual statement anymore and its SB this year anyway

 

ignore threats of doorstep collectors, they are glorified monkeys who turn up and pretend to be all serious, although I cant see them actually sending one, they never did to me (but that could have been due to my Landlady aka mother sending them a VERY nasty letter stating at no time were they to place a toe on her property without a court order, we are still waiting for the court order lol)

 

they are all wind and hot air and tbh if they have sent you a "discount" letter it 99% of the time means they havent got the correct paperwork to back it up in court, an example of just how on the ball they are, I went back to my maiden name 5 years ago, its fully traceable etc however they were still sending me letters in my old married name. GREAT BACKGROUND CHECKS THERE!

 

keep all letters in a file just in case and if they haven't sent you a valid CCA with all the legal requirements then just fire them one simple letter stating until such time they DO send you one, you will not be entering into any correspondence with them

 

now open a bottle of wine and enjoy your evening, ITS FRIDAY :D

Edited by ims21

claim v natwest WON!

 

all posts made by myself are without prejudice

Link to post
Share on other sites

just to clarify something here i'm sure our seasoned morteee accidently typed:

 

at no time were they to place a toe on her property without a court order, we are still waiting for the court order lol)

 

 

even WITH a court order, it gives no DCA the POWER to attend your premesis.

 

it would only EVER be a COURT BAILIFF , and that would be after they'd got a CCJ

after you had failed to pay it

and

after it had been BACK to court for permission.

 

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... 

Link to post
Share on other sites

right, I am a LONG term battler against DLC (please feel free to read my original threads for reassurance)

 

I am going to tell you straight from direct experience of these people

 

they are a DCA who haven't got a clue, in the early days I was scared silly of them then I came here, got some sterling advice, became empowered and now I find them to be highly amusing in the most condescending manner you can imagine

 

MCB ARE DLC just under a different name, have dealt with both.

 

if they havent sent you a valid CCA (they sent me an application form and then acknowledged it was an application form in their letters bless them) then dont pay them, after a while the letters die down to the "annual statement" then peter off totally, I dont even get an annual statement anymore and its SB this year anyway

 

ignore threats of doorstep collectors, they are glorified monkeys who turn up and pretend to be all serious, although I cant see them actually sending one, they never did to me (but that could have been due to my Landlady aka mother sending them a VERY nasty letter stating at no time were they to place a toe on her property without a court order, we are still waiting for the court order lol)

 

they are all wind and hot air and tbh if they have sent you a "discount" letter it 99% of the time means they havent got the correct paperwork to back it up in court, an example of just how on the ball they are, I went back to my maiden name 5 years ago, its fully traceable etc however they were still sending me letters in my old married name. GREAT BACKGROUND CHECKS THERE!

 

keep all letters in a file just in case and if they haven't sent you a valid CCA with all the legal requirements then just fire them one simple letter stating until such time they DO send you one, you will not be entering into any correspondence with them

 

now open a bottle of wine and enjoy your evening, ITS FRIDAY :D

 

I do have a copy of the CCA, it arrived very recently after months of waiting. OC has confirmed they sold the debt to the DCA in December 2006. I have SAR's from OC and now DCA. DCA has also just responded to my SAR with statements etc and almost immediately have passed the account to MDB.

 

We just want to get these people off our backs. They (appear to) have proved that they own the debt and have acknowledged all past payments we have made. It isn't SB because we have paid in faith every month. I feel I haven't a leg to stand on and must pay (unless you know otherwise)...

 

just wanted to add - we did get a discount letter in October 12. I had reduced the payments from £112 pcm to £1 and they offered a payment of £10 pcm or 50% of the balance for the debt to be written off...

 

thanks x

Edited by salbee
Link to post
Share on other sites

Sal can you post up a suitably redacted copy of the CCA you have received please and when was the last payment made to any party.

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!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Sal can you post up a suitably redacted copy of the CCA you have received please and when was the last payment made to any party.

 

Hi Brig, please see post #141 there is a copy on there (albeit a bad copy).

 

I have been paying £1 a month since October and made a payment on 1st Feb 13 to DLC.

 

thanks x

Link to post
Share on other sites

DLC ran away on an alleged £6,000+ debt to Lloyds TSB (I've NEVER borrowed the original amount anyway - and asked DLC for proof where the original amount was paid to - that made them give up).

 

The more you play complicated letter tennis with this lot the more they put the pressure on.

Link to post
Share on other sites

  • 2 weeks later...

Today I received a letter addressed solely to me from MDB stating they had no response to 1st letter (I emailed them)

which they find disappointing because they want to resolve this matter without involving a third party.

 

Extract: "Part of my account management process involves profiling accounts to pass to doorstep specialists, who may arrange to visit your home.

 

However, should my enquiries show that you are a home owner or employed/self employed,

a third party may be instructed immediately to begin further collection activity."

 

He then says to avoid this I should call him. We are not home owners but are employed.

 

At the same time my husband had a letter from DLC addressed solely to him stating that although they can't provide the original T&C's due to the age of the account.

They say that although they can't enforce the agreement the monies remain outstanding.

 

Thisis very confusing - they are saying it's not enforceable (to my husband) but to me via MDB that it is. Please help!!

Thanks as always X

Link to post
Share on other sites

ignore stop all payments.

 

 

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... 

Link to post
Share on other sites

What nonsense these idiots spout, yes unenforceable means that no court action is possible, but they can still press for payment this however should not obtrusive or harassing.

Send the following to both enclosing copies of each others letters.

 

Ref: use theirs

 

Dear xxxxxxxxxxxx

 

I am inreceipt of your letter regarding xxxxxxxxxxx in which you are intending to send a ''doorstep'' specialist to my home, please take careful note and such agent., representative or employee of MDB atempting to visit will be ''invited'' to leave my property, failure to comply WILL result in their removal.

 

I als enclose here with a letter sent to my husband from DLC which qiute clearly states that DLC CANNOT supply the relevant terms and conditions for this ''agreement'' therefore the debt is unenforceable in court.

 

I am fully aware that MDB/DLC can still ask for payment on the alleged debt, but as my husband and I do not acknowledge any such debt NO payment or offer of payment will be made unless and until UNEQUIVOCAL PROOF OF OUR LIABILTY IS PROVIDED.

 

I now suggest that MDB and DLC liase and close the file on this matter.

 

This is my final response.

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!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Today I received a letter addressed solely to me from MDB stating they had no response to 1st letter (I emailed them) which they find disappointing because they want to resolve this matter without involving a third party.

 

Extract: "Part of my account management process involves profiling accounts to pass to doorstep specialists, who may arrange to visit your home. However, should my enquiries show that you are a home owner or employed/self employed, a third party may be instructed immediately to begin further collection activity." He then says to avoid this I should call him. We are not home owners but are employed.

 

 

At the same time my husband had a letter from DLC addressed solely to him stating that although they can't provide the original T&C's due to the age of the account. They say that although they can't enforce the agreement the monies remain outstanding.

 

Thisis very confusing - they are saying it's not enforceable (to my husband) but to me via MDB that it is. Please help!!

Thanks as always X

 

MDB as a 3rd party collection agent will have been given your name, address and how much has to be collected. Nothing else.

 

TBH that statement makes him sound like an employee of the Kray Twins!

 

The OFT say that these people cannot visit you unless you make an appointment - you will I guess not be agreeing to an appointment. Sending someone round without an appointment and specifically after you have requested that they dont visit you, can only be construed as a hostile act. Designed to intimidate and harass. You do not even have to open the door to them - let alone speak to them. You certainly do not invite them into your home.

 

They tend to use inoffensive little old ladies and gents - so even if they try to get their foot in the door by asking for a glass of water, the use of the bathroom or the telephone.. you do not let them in.

 

If they are not an inoffensive little old lady or gent, then you should call the police - the non emergency number and advise that you are being intimidated and are fearful. I think the police have been involved in a few insidences where they have been arresting the bully boys from Loan shark companies !!

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

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

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

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

Link to post
Share on other sites

thanks all - I have typed the letter, scanned and copied the DLC letter and am just about to go to the postbox and hope and pray these eejits leave us alone!!

 

I couldn't do this without your help - thanks everyone yet again for your invaluable advice and support X

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...