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    • It is already trespass, nothing further needed to make out trespass. Not sure where ‘interference with goods’ helps you / how you’d bring a claim for that that stops them parking there.
    • Thanks Dx,    For some further information, the holiday was booked as a package holiday for 2. One of the 2 had to be changed, and changing costs £700 for a new flight as "tickets had been issued and they cant do a name change". I cant quite figure out how compensation works for things when it comes to package holidays.    From what I can tell  - The plane was due to land in Turks and Caicos to drop off passengers, something happened during descent, resulting in technical fault.  - The rest of the original flight from Turks & Caicos -> Montego Bay was cancelled  - A New flight was put on today, which was then delayed by 1.5hrs aswell  - Hotel was provided for the night after much hassle.  - 1.5 days, 2 evenings of holiday lost  If I understand correctly, since the original flight (LHR -> Turks -> Montego Bay) was cancelled, they are both entitled to a refund on that full flight? I can't quite work out if they are only entitled to a refund for the equivalent of Turks -> Montego Bay, or for the full LHR->Turks->Montego Bay, since it was issued as one ticket/all Virgin, and they should have arrived yesterday..?)  I can't work out how to get the cost of that compensation, or whether its a set figure, and how the loss of days of holiday is factored in   I am aware:  If you received less than 14 days’ notice of the cancellation, you are generally due compensation, awarded in pounds or euros depending on where your flight was due to depart from, according to the following scale: £220 / €250 for all flights of 1,500km or less (e.g. Glasgow to Amsterdam); £350 / €400 for all flights between 1,500km and 3,500km (e.g. East Midlands to Marrakech); £520 / €600 for all other flights (e.g. London to New York). Compensation will be reduced by 50% if the arrival time of the replacement flight doesn’t exceed the arrival time of the original flight by: two hours for flights of 1,500km or less; three hours for flights between 1,500km and 3,500km; four hours for all other flights. So I "think" its £520pp for the flight part as compensation (7500km)... but some sites say its a full refund for the flight... is it both?  Thanks,  Ryan  
    • Our business was only transacted digitally as I was not in England at that time.  
    • Funny. But not sure I should ! Wondering if I could place pots and plants - which a) would look nice and b) would it then be trespass and interference of goods?
    • probably this buy out everyone goes on about. well just make sure they do properly sanitise your credit file. dx  
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An untimely conundrum


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Hi there. I'll keep the story short:-

 

Back in 2003 I'd had some very bad dealings with Barclays Bank, i'd gone overdrawn and they were pushing very high bank charges and making things worse and worse.

 

Eventually my Mother helped me to payback a lot of the debt however there was about £100 pounds that never got paid and at the time i let it hang thinking of all the charges they'd made against me.

 

I moved on and they never chased me up... till recently.

 

I now find I am being billed by a debt recovery service (Global Debt Recovery LTD) for the ridiculous amount of nearly £1500.00!

 

I have not as yet replied to these letters but they seem to be pushing hard though they have not as yet sent a notice for court procedure. But have said they will procede further if payment is not forthcoming.

 

Admittedly I should not have left a £100 debt go on for so long but now I am worried sick as to what I should do about this.

 

It dates back so far that I have heard somewhere that their claim on the monies may not be valid anyway.

 

Could someone please advise me on this and as to what I should do.

I would be very grateful for any help regarding this, thank you.

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you prob owe nowt

DCA's have no legal powers anyhow!!

 

 

check your CRA file

 

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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Hi

 

If you haven't made a payment on the account or acknowledged it in writing for a clear period of 6 years (5 in Scotland) then it is Statutory Barred.

 

ims

 

Thank you. Yes this is what I had heard too.

 

Though I'm not sure as to how to put this across to them.

 

Should I let them proceed to take me to court? Or just ignore them completely?

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you prob owe nowt

DCA's have no legal powers anyhow!!

 

check your CRA file

 

dx

 

Not sure what a CRA is.

 

By them having no legal powers does this mean I won't have any problems with bailiffs? (this is a real worry to me)

And do they (the bank) have to push it to court before any bailiffs can get involved?

 

Thank you for responding so quickly.

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Thank you both so much for your advice Dx and ims.

 

I found the link to the noddle CRA. Seems. I have to sign up for it though to get the info i need.

 

If you could im me the SB letter link I would be grateful as I've not found that yet. Much appreciated.

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Thank you. Yes this is what I had heard too.

 

Though I'm not sure as to how to put this across to them.

 

Should I let them proceed to take me to court? Or just ignore them completely?

 

dca's rarely do that

dont foget they have no legal powers

 

they are NOT bailiffs and never will be

 

you or could be a dca tomorrow

 

they just sent threat-o-grams thats it!

 

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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Thank you both so much for your advice Dx and ims.

 

I found the link to the noddle CRA. Seems. I have to sign up for it though to get the info i need.

 

.

 

well yes else anyone could look at your info

 

if you have a card of anytype its instantaneous almost

 

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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Just a point about Noddle. I am a member and although they are the smallest of the CRAs, the information is laid out in an orderly way. Much easier to read than the others.

It doesn't matter if you are worried about signing up. If a DCA wanted to find you, they would have done so long before this bunch

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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I would just tell them the person they are looking for don't live there any more, stuff them ! Had to do that before for my husband as he had a £2000 debt chasing him from his ex wife's credit card, I told them they had the wrong address and to basically go away and they did ! Naughty I know but stuff them they can't do a lot.

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I would just tell them the person they are looking for don't live there any more, stuff them ! Had to do that before for my husband as he had a £2000 debt chasing him from his ex wife's credit card, I told them they had the wrong address and to basically go away and they did ! Naughty I know but stuff them they can't do a lot.

 

I think you got lucky there.

These people usually want to see proof in such instances. I know this because another dca was chasing a previous tenant at this address and it got nasty with bailiff notices and the like.

When telling them they no longer lived here they said they would need proof of that.

 

I think (though not entirely sure) that in such instances proof does not necessarily have to be given from a third party to verify such information involving someone else's case.

Anybody know anything about that?

Just curious, as it did put me on the spot at the time. (a little off topic but nevertheless interesting).

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Hope you get it sorted , don't worry okay.

 

Like the poster above said, after 6 years a debt is statue barred so legally they don't have a leg to stand on, DCA buy these debts from companies and they know they have 6 years to collect it or they lose money which is why they are trying to get money from you, I seriously wouldn't bother with it

 

I prob did get lucky lol but I have had issues with DCA in the past and they have NEVER took me to court or sent bailiffs, they rarely do. I set up payment plans with them at like £10 a month . They say all this in letters to frighten people and get them to pay up.

 

:D

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Type up a good letter informing then that you have seeked legal advice and that you have found that they legally have no right to harrass you for money for this debt as it is now statue barred and if you continue to receive these letters /calls then you will start legal action against them - that should do the trick :)

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Type up a good letter informing then that you have seeked legal advice and that you have found that they legally have no right to harrass you for money for this debt as it is now statue barred and if you continue to receive these letters /calls then you will start legal action against them - that should do the trick :)

 

Thanks for your help. Very much appreciated.

 

I'm still very reticent at getting involved at this stage though to be honest. Thinking maybe wait to see if it just dies down y'know.

 

If they take things too far and hassle me at home ie a visit then yes, the information given here is extremely helpful.

Thank you for putting my mind at ease.

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Just some additional info for peeps in similar circumstances:-

 

The letter I'd received had a place where to fill in 'Credit Card/Bank Details' and suggesting to fill in an amount that 'I would set myself to pay weekly/fortnightly'.

 

Given the advice on this thread this would seem to agree with what's been said and that they are just chancing there arm at trying to get payments made when they seemingly have no legal entitlement to the monies.

 

Hope this helps anyone in a similar situation.

Again many thanks to the members here for all the helpful advice.

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Just don't worry , there is nothing they can actually do, they don't have a leg to stand on and they are making a last ditch attempt to get some money from you l.Forget about if you can cause they are not worth worrying about at all. I hate DCA , they literally have no powers just big words, my nan got one one day because of BT passing it on to them, she was in a right state, crying etc because the letter threatened court action, it's all bull**** and I hate what they do, they are just like loan sharks. Take care x

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