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    • The whole thing seems bizarre this person is holding this vehicle and that he has had it so long and that he is not giving you any information and you have no idea what is going on. The only way to force his hand is to issue proceedings. If he fails to respond to those then apply the judgement and then put their sheriffs in. I'm afraid I'm completely out of ideas otherwise – and you seem to be as well. Revealing his identity on this forum, it's another way of putting pressure on him because if he realised that he was being discussed on social media, this might influence him to take some action – even if it was only to rise up in fury. We might be able to do some additional research on him. There may be others who have been having difficulty with the same garage who would be interested to find somebody else in the same boat with the same trader. Even if they weren't on the form already, Google would pick up the references so that they would come up in Google searches. If other people had trouble with this person in the future then they would find your experience with this person very useful to their own predicament. You've offered let me have this information in confidence that I don't want to get involved in that kind of game. As I've said to you, there are no downsides to revealing his identity. There are any downsides to not revealing his identity – and at the very least, it may simply have a neutral effect. He said in an earlier post that you were frightened of him. I think that to be intimidated by somebody who is treating you so shabbily and so unjustly must be very unpleasant. I have a sense that you are holding back from sending this letter of claim and that means to me that you are still holding back from bringing a legal action. I'm not sure what else we can say now. I think we have discussed everything. I think you understand everything. I think you need to make a decision now as to whether you want to get your money, maybe have the satisfaction of dealing with this person properly – or whether you'd prefer simply to write the whole thing off.
    • then they need paying sadly   i will bet Lloyds have sold the debt now along with the CCJ/CO to a debt buyer so you'll need to find out who owns the debt now. odds on it will have been sold, my guess to the Cabot Group.   typically debt buyer might accept 70% to clear the registry.
    • Its not fatal to your defence but it does give them opportunity to come at you and provides ammunition to discredit your statement.   How should I respond to this if I'm asked?
    • Threads merged.   mortimer clarke are cabots solicitors and MEIII is a trading name of cabot. so Blackhorse sold the debt to the Cabot Group.   so cabot own the CCJ/CO now   it will need paying if what andyorch advised earlier still applies, which ofcourse it does.   now as for paying it and getting it removed, if they have offered 30% off that means there is more to be had i bet but you'd have to SAR blackhorse and hope they still have all the details 10yrs later. then get out a fined toothed comb and study the statements to see why cabot are offering the discount.   you'd also ideally need a copy of the particulars of claim from the original claimform now that might be a hard one as northants bulk court might not now hold them.   might be better to accept the offer when the sum is paid the charge should be automatically removed by the owner.    
    • Sadly I think you are right.  If she moved to another house in a virgin area they wouldn't make her pay up the rest of the contract just asked her to do another contract seems very unfair. 
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opos and a very urgent message


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just had a "very urgent" message from the opos office (sounded like the Home Office at first) urging me to call back URGENTLY.

Could this be regarding an old Minicredit loan which I recently disputed on Noddle.

Have I unwittingly sparked their interest

Needless to say I won`t be calling

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Quite right, never get involved on the phone with these people, if you are unsure what they are chasing ignore until they explain in full in writting.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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If it's Opos who have contacted you then It will be in reference to Minicredit, I have been going round and round in circles with them for several months. From experience Opos will not answer any emails or letters, however if you do send them a letter by recorded delivery they will reply....

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it was a voicemail from a glasgow number but giving a 0844 number to reply to. and hr sounded very official

 

Ha ha 'sounded official' nothing official about these clowns.

 

And don't get into the habit of corresponding with DCA's with recorded delivery, if they can get away with using snail mail 2nd class post, then so can you, just obtain proof of posting from the PO counter.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 2 weeks later...

Ignore the idiots... do not phone them and if they catch you out and you answer your phone to them do not answer their security questions and tell them that you will only deal with them in writing. Have you sent them a telephone harassment letter yet? http://www.consumerwiki.co.uk/index.php/Debt::_Letter_Templates

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As they have now called you twice you could complain to your local Trading Standards office calling into question their fitness to hold a Consumer Credit Licence.

 

The Office of Fair Trading lay down standards that they expect companies to comply with-the document can be found below-

 

http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/OFT664Rev.pdf

 

On page 11 the OFT lay out their definitions of what they consider to be unfair tactics in communication. What Opos are doing is almost exactly what the OFT say they should not be doing-

 

 

Communication

3.2 It is unfair to communicate with debtors, or their representatives, in whatever form, in an unclear, inaccurate or misleading manner.21

3.3 Examples of unfair or improper practices are as follows:

a. use of official looking documents intended to, or likely to, mislead debtors as to their status.

For example, documents made to resemble court documents.

b. leaving out or presenting information in such a way that it creates, or has the potential to create, a false or misleading impression, or exploits a debtor's lack of knowledge

c. those contacting debtors not making clear who they are, who they work for, what their role is and the purpose of the contact

d. sending misleading communications or making misleading statements which may induce a debtor to make contact on the basis of a false or misleading premise

 

 

C and D are the two examples that Opos have breached.

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Ignore the silly children, and just complain, OFT&TS, also OFcom...then get on with your life.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Ha ha 'sounded official' nothing official about these clowns.

 

And don't get into the habit of corresponding with DCA's with recorded delivery, if they can get away with using snail mail 2nd class post, then so can you, just obtain proof of posting from the PO counter.

 

even better is to email, CC your own address and print out when you get the chance... Why pay 50p for a 2nd class stamp?

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I am frmly of the opinion that e-mail for speed BUT written confirmation by post is the security.

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:

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Emmm automated anything when it come to finacial matters is risky think on the banks IT melt downs!!!!

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:

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Emmm automated anything when it come to finacial matters is risky think on the banks IT melt downs!!!!

 

important letters then yeah send by recorded - but general DCA crap/letter tennis then there's no reason not to e-mail. automated response is as god as a signature evidencing receipt of a letter.

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  • 2 weeks later...

I have received your email , I am at a loss in what to say, you borrowed funds above and paid nothing back.

 

 

 

I have attached a letter we have sent to you today , I presume the client we represent want the matter heard at court due to your continued default, it’s also been with a previous debt collection agency who you were supposedly meant to make agreement/s to pay back the funds.

 

 

 

We have called you once at work but we certainly will not be calling again if you feel harassed.

 

 

 

I WOULD ALSO ASK YOU AT THIS POINT TO MAKE ANY COMPLAINT WITH OUR GOVERNING BODYS , I DONT THINK 1 PHONE CALL AND 3 LETTER SENT TO YOU WOULD STAND AS HARRASMENT IN ANY COURT.

 

 

 

My clients feel you have clearly took the funds without any intent to give back, we will be supplying the courts with the agreement you took and the statement of your account.

 

 

 

Think you would be best to get some form or representation for the hearing,.

 

 

 

Let us get the matter to your small claims court.

 

 

 

Regards

 

 

 

 

 

Download.html?IDMSG=15434&PJRANG=2&NAME=__PJ_FULL_NAME_ENCODED__&FOLDER=INBOX&STREAM_TYPE=IMAGE&EMBEDDED=true

This is the reply I had after requesting no urther contact by phone. As Victor Meldrew would say " I don"t believe it!"

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Is that via email or a letter they sent? Is that verbatim?

 

I would strongly urge you to forward that nice bit of evidence to the OFT&TS tomorrow.

 

Anyone talking to me in such a condescending manner will get short shrift and be in a world of hurt, unbelievable!!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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We have receivedno response to our previous requests for payment of£4,001.87 on the above mentioned account.

Wehave been asked to evaluate your file for transfer to a Doorstep CollectionAgent with the intention to visit youat your premises within 14 days in order to recover the above outstandingamount including costs and to assess you at your property.

Itis not too late to avoid this action and even at this stage we are prepared toassist you in resolving this matter. To do so please call now on 08443722459. You can also make immediate payment by creditor debit card via our automated payment line by calling 0844 557 8321.

THis is the attachment also sent with a duplicate of the first email

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Hah they seriously sent that? The OFt would definitley be interested in that little number.

 

Also have a look in the library for info on doorstep collectors. These idiots just drop themselves in it, deeper and deeper each and everytime.

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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Janis Dont be worried by these fools

 

First of all they wont take you to court, its simply there to scare you. You dont use representation in the small claims court, it wouldnt go to "your small claims court", but the local county court. Talking utter rubbish!

 

With regards to them saying they are going to get someone to come and asses you, what are they going to do?, take a medial , put you in a strait jacket?

 

Just to be on the safe side, email him a copy of the "No door step visitors letters". also advise that if anyone calls you will call the police to have them assessed for removal from your premises!

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