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    • I've not seen it personally but I think that's the letter Dad has had from Overdales. I'll see it tomorrow. It states balance: zero
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    • This is the full details, note they have made an error (1) in that paragraph 5 stated 14 days before hearing not 7. Surely a company of their size would proof read and shouldn't make basic errors like that 1) The Claimant respectfully applies for an extension of time to comply with paragraph 5 of the Order of Deputy District Judge XXX dated XX March 2024 i.e. the evidence upon which the parties intend to rely shall be filed and served not later than 7-days before the hearing. 2) The Claimant seeks a short extension of time allow them to further and properly investigate data provided to them by Royal Mail which is of importance to the proceedings and determination of the Claim. 3) The Claimant and Royal Mail have an information sharing agreement. Under the agreement, Royal Mail has provided data to the Claimant in respect of the matters forming the basis of these proceedings. The Claimant requires more time to consider this data and reconcile it against their own records. The Claimant may need to seek clarification and assurances from Royal Mail before they can be confident the data is correct and relevant to the proceedings i.e. available to be submitted as evidence. 4) The Claimant's witness is currently out of the office on annual leave and this was not relayed to DWF Law until after the event which has caused a further unfortunate delay. 5) The Court has directed parties to file and serve any evidence upon which they intend to rely not later than 14- days before the hearing i.e. by 4pm on 6 June 2024. Regrettably, the Claimant will have insufficient time to finalise their witness evidence and supporting exhibits as directed. We therefore respectfully apply to extend the time for filing/serving evidence so that the evidence upon which the parties intend to rely by filed and served not later than 7-days before the hearing i.e. by 4pm on 13 June 2024. 6) This application is a pre-emptive one for an extension of time made prior to the expiry of the deadline. In considering the application, the Court is required to exercise its broad case management powers and consider the overriding objective. 7) In circumstances where applications are made in time, the Court should be reticent to refuse reasonable applications for extensions of time which neither imperil hearing dates nor disrupt proceedings, pursuant to Hallam Estates v Baker [2014] EWCA Civ 661. 😎 It is respectfully submitted that the application is made pursuant to the provisions of CPR 3.1(2)(a) and in accordance with the overriding objective to ensure the parties are on an equal footing when presenting their cases to the Court. The requested extension of time does not put the hearing at risk and granting the Application will not be disruptive to the proceedings.   They have asked for extension Because 2) The Claimant requires additional time to consider and reconcile data received from Royal Mail which is relevant to these proceedings against their own data and records in order to submit detailed evidence in support of this Claim.
    • i was merely pointing out if the OP did put in an N244 it required a bundle. as for what they need to do now.... it might be an idea to post a link to your thread then the OP can read it and understand where your guidance is coming from and the ongoing process he will have to follow... dx
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Payplan dmp will end when I am about 200 years old


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Think the Truecall was about £80 but was a few years ago. When I see the number of calls it's ignored would pay double or more . We reported Cabot to TS for harassment 2 years ago. Even sent them a call log showing hundreds of calls from Cabot, who use a number of different auto dial numbers. Didn't make much difference, they kept calling.

 

When DCA's call , our Truecall's set to sound as if the phone is ringing at their side . But it doesn't at our end. You can also set it to give them a get lost message, if you prefer, but we didn't like to be rude.:lol:

 

Could have gone to OFCOM then small claims for harassment.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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I am sick and tired of these phone calls, the answering machine is now full. They have taken no notice of my letter, and nobody seems to listen. God help anyone who is out of work.

LilythePink

If you liked what I said, and if it helped in any way, please tip my scales..... thank you:)

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Some of the letters on this forum - although good - are way too long IMO. All you need to do is to write a letter (and send it recorded) and categorically state that they no longer have permission to telephone you, and that should they continue to do so you'll report them to the Financial Omubdsman Service and Trading Standards. Request a copy of their formal complaints procedure. Now that you've sent the letter it's vital that you make a note of the date/times of the calls. If they really persist we might look at applying for a court order.

 

There's a good general fact sheet covering harassment here:

 

http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=03_harassment

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Very nice bit of office equipment.......

 

Appreciate it sounds a lot, and I couldn't really afford it either at the time .But if you've several DCA's calling your number every day, and some like Cabot who are still calling after 5 years then the peace of mind is worth it. If you divide the cost over 5 years its about £15 per year. In the past 3 days according to my call log Cabot have called 6 times, Moorcroft x1 and Link x2. And going by past 5 years experience Cabot will do much the same next week, and the week after.

 

Cabot once sent me a letter saying we've stopped calling you in response to your letter of complaint. However if you don't fill in and return the enclosed income and expenditure form with a repayment offer within 7 days , then we will resume our telephone collection procedure . Which to me is the same as them admitting they use their autodiallers as a form of harassment.

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Some of the letters on this forum - although good - are way too long IMO. All you need to do is to write a letter (and send it recorded) and categorically state that they no longer have permission to telephone you, and that should they continue to do so you'll report them to the Financial Omubdsman Service and Trading Standards. Request a copy of their formal complaints procedure. Now that you've sent the letter it's vital that you make a note of the date/times of the calls. If they really persist we might look at applying for a court order.

 

There's a good general fact sheet covering harassment here:

 

http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=03_harassment

 

Was interested in reading this link, but when I tried, it came up with a blank page? .

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Two recorded letters to Santander, and Nationwide, and still the phone is ringing..

 

.. so I was getting really annoyed yesterday morning..

 

I had reported the number on several websites, including one called nuisance calls.

 

They rang me, and they were able to search my telephone records, and said that they were coming from Asia, a lot of UK firms do this.

 

So I signed up with them, and they are genuine company, as I have looked into them.

 

Not so frightened of the phone calls now, and they have a list of nuisance callers, which they stop and one of them is Cabot....

 

Hopefully they will stop now, as it takes a few days to get them stopped.

 

Hope I have done the right thing, and I also reported them to the FCA.

LilythePink

If you liked what I said, and if it helped in any way, please tip my scales..... thank you:)

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was it free?

 

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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No it wasn't, but I was really stressed out. £42 a year, but I don't think I will need it next year. My sister and I are splitting the cost. Looking forward to peace and quiet.

LilythePink

If you liked what I said, and if it helped in any way, please tip my scales..... thank you:)

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Oh I see, how annoying!

 

Here's the Scottish verision - they are virtually the same:

 

http://www.nationaldebtline.co.uk/scotland/factsheet.php?page=10_harassment

 

Thanks. Imagine Cabot just calling twice a day won't count . Unless would calling nearly every day, for 5 years count as harassment? Suppose I should ahve psuhed it further with Trading STandards when they were caling 6 times a dya for weeks on end.

 

Lily hope this new service you've joined up to works out for you. Cabot use several numbers on their autodiallers, as I've had to block about 6 or 7 well used numbers. They must change them every few weeks if they're not getting anywhere.

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These harassment letters do not work with DCA, they are still phoning me, this morning at 10.00, but this nuisance call service, said that the calls will reduce and eventually end within 28 days.

Plus, I have been sending my letters recorded delivery, and the post office has just lost one of my letters, so Santander think I am ignoring them. Just going to post them 1st class, as it is all costing too much.

LilythePink

If you liked what I said, and if it helped in any way, please tip my scales..... thank you:)

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urm.. unless this 'firm' can redirect your phoneline [and they can't]

 

me thinks all they are relying upon is the TPS

 

and they certainly cannot stop DCA calls

 

the only thing that can is a truecall box

 

brought one 2yrs ago

never get dca calls, it just blocks them.

 

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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Please forgive the silly question but what exactly is it that the DCA say that they want when they ring ?

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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From my experience, they are just really nasty, telling how bad you are, and why did you take this out, whenever you are not going to pay it. They basically bully you, until you end up feeling totally worthless, and feel as if you are not worth anything to anyone.

LilythePink

If you liked what I said, and if it helped in any way, please tip my scales..... thank you:)

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From my experience, they are just really nasty, telling how bad you are, and why did you take this out, whenever you are not going to pay it. They basically bully you, until you end up feeling totally worthless, and feel as if you are not worth anything to anyone.

 

Yes i know , not the most pleasant of people to deal with, you say from your experience, do you know what it is that this caller wants on this occasion ?

 

Sometimes Creditors just need to be reminded that there is a plan in place before they take you number off the system.

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Yes I know what they want, an income/expenditure form, which they already have. When you answer the phone, it is a dead line, several times a day. The calls I have found out are coming from East Asia.

LilythePink

If you liked what I said, and if it helped in any way, please tip my scales..... thank you:)

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You MUST get a full complaint in to the OFT and OFCOM. Issue a full complaint to the DCA as well, so you can get the fos involved.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Yes I know what they want, an income/expenditure form, which they already have. When you answer the phone, it is a dead line, several times a day. The calls I have found out are coming from East Asia.

 

Which DCA is it that is instituting these calls ?

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Santander have mortgage with them, fell ill for a year last year, and kept them informed that we might fall behind. Already went to the FSA already just trying to trace the claim.

They are impossible to deal with, Santander I mean.

Even the Nationwide keeps trotting out that old excuse that the charges are fair, as by the court case in 2009.

LilythePink

If you liked what I said, and if it helped in any way, please tip my scales..... thank you:)

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So is it Santander who are making the calls ?

 

If it is a mortgage paplan wouldn't be involved, would they ?

 

Sorry for the questions but if complaint is to be made .......

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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the ruling was ONLY about bank charges

 

nothing else

 

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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