Jump to content


  • Tweets

  • Posts

    • Bookmakers use betting on political events to entice new customers, and say it is growing.View the full article
    • nope  and  neither dx
    • Ok Thank you DX will do just that . will keep you up dated.
    • dispute it with whichever cra provider is now showing it. simply state the a/c is from 2015 and was defaulted (date) and should not have re appeared. probably getting ready to sell it on. dx
    • Hi Caught Shoplifting at John Lewis - Retail loss Prevention/Other shoplifting allegations. - Consumer Action Group Thanks a lot for commenting this experience of yours. I do understand this might be something that you are not willing to talk about anymore but the same exact scenario happened with me today at John Lewis. They took my name/ address/ a picture of me holding a signed banned letter. the only questions I've got are... will I be contacted by the police will this be recorded as police caution or criminal record?  I would really really appreciate if you could let me know how it went.  I am so so so ashamed of myself and am really making changes in my life I feel like I've lost myself for a period of my life but anyways it would be really great to hear back. Thanks 
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 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 
        • Thanks
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 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

marlin/Reston claimform - dads lloyds credit card 'debt'


NGEddie
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2792 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

Hi chaps!

 

Hope all are well

 

So after the spate of day and night calls stopped back in July last year,

nothing for ages, and

 

now a letter from Cabot saying tried to contact and giving to solicitors, dated 12/2/16,

 

then letter dated 16/2/16 from Restons solicitors demanding full payment by 1/3/16..

 

.both letters arrived together 25/2/16..

 

.and have same return address on envelopes

 

Re-read thread and we sent CCA, waited two months,

sent no reply letter,

they claimed didn't receive CCA despite signing and would then act,

 

about three months later they send a bad copy with I believe no agreement as scanned up on page 6.

 

What do you think is next step please?

 

Cheers

 

 

E!

Link to post
Share on other sites

  • Replies 192
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Posted Images

I think not, no where does it states that phrase?

 

 

But things like, if you don't pay by xxx...we have instructions to issue a claim against you in the County Court

 

 

Going over the papers tonight, it was actually early June 2014 I did the CCA request, late August I sent the letter saying time is up and they missed their chance. They replied quickly saying, ok they are now going to send it, and was mid December 2014 they actually got round to it. So believe those times lines are way what it should have been? 30 days plus 2 or something after CCA request?

 

 

Seems a bit mad, or desperate to start chasing it now!

Link to post
Share on other sites

as post 122

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

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

Great, am doing now

 

 

Found the DN which I believe someone pointed out ages ago could be invalid? Maybe the time line or wording, underlining in last paragraph? If someone could glance over would be brilliant!

 

Sent 11/12/09 pay by 29/12/09 balance just under 4k arrears just under £200.00

 

 

 

Cheers

 

 

E!

Lloyds CC DN photo.jpg

Link to post
Share on other sites

don't worry about that kind of stuff yet [DN etc]

get the claim ack'd on mcol website

defend all

leave juris unticked.

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

Name of the Claimant ? Marlin

 

Date of issue – 10 March 2016

What is the claim for –

 

1.The claimant claims payment of the overdue balance due from the Defendant(s)

under a contract between the Defendant(s) and Lloyds Banking Group dated on or about November 2007

and assigned to the claimant on November 2013

 

Particulars a/c 123456

 

Date = 15/2/16

Item = Default balance - post Refrl Cr NIL

 

Total = about £2500

Value - about £2500

 

What is the value of the claim? About £2500

 

Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Credit Card

When did you enter into the original agreement before or after 2007?

Original card September 2000,

changed to Duo card December 2007 -

Has the claim been issued by the original creditor

or was the account assigned and it is the Debt purchaser Marlin

Were you aware the account had been assigned – did you receive a Notice of Assignment?

I don't believe so, cannot find one from Marlin and I said earlier in this thread at time didn't appear to be one. Just letter from Marlin saying account given to them by their collections department, unless they are linked to Lloyds?

 

Did you receive a Default Notice from the original creditor? Yes,

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ?

No, just statement of accounts and settlement offers randomly

 

Why did you cease payments? Forum advice as Marlin did not reply when I sent CCA. So I sent no reply letter, they replied claiming did not receive CCA request(have signed proof)then stated would act now, three and a half months later they sent agreements with pages missing, can re-post up if needed

What was the date of your last payment? July 2014

 

Was there a dispute with the original creditor that remains unresolved? No

Did you communicate any financial problems to the original creditor

and make any attempt to enter into a debt managementlink3.gif plan?

Yes, 2010 when Lloyds acknowledged financial hardship and agreed a set monthly amount with interest frozen

Link to post
Share on other sites

They mention default bal

So get that (default notice )and assignment via CPr 31:14

 

When did we last CCA?

 

Don't forget mcol

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

CPR to their solicitor? Sorry don't understand what you mean by get the default balance? I know it was just under 4k when served 2009 but payments were the made so about £2500 now which is amount on claim

 

CCA received December 2014, but requested it June 2014

 

Sure, only have phone tonight so ok to mcol tomorrow?

Link to post
Share on other sites

Read my last post now

CPR to sols

 

New CCA request to claimant

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

No and stop over thinking things calm down settle down don't do anything without checking with us

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

For what reason do you need those?

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

Ok, my bad, court = panic

 

Court name would just be the town, like London, Manchester etc...?

 

Case number is claim number on court paperwork?

 

Thanks!

 

Yes Eddie..list your Court Name and claim number.

 

Andy

  • Confused 1

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

The claim has yet to be transferred to your local county court so ideally it should be Northampton...but dont worry..they wont respond anyway

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

eddie. so it was a letter before claim!

yeah, not much point in an cpr 18 on that. lets see what they end up disclosing. :)

re dn, as you asked. a dn does have to be compliant. but, there is that issue where some J's will accept a mainly compliant one. but, if the time comes, can still put them to proof on it.

Link to post
Share on other sites

Really?! lol good to know!

 

 

Northampton is over an hour from me, so don't really get why it has that as a location!

 

 

So just sit and wait?

 

 

Thanks lads!

its just the bulk centre for now

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...