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    • Firstly, I would like to thank everyone for their help in this matter. Since my last post I have received a reply from Plymouth Council Insurance Team concerning my wife’s accident (please see enclosed letter and photo of the offending Badminton post) which they deny any responsibility for the said accident. I feel that the Council is in breach of their statutory duties under the following acts: The Leisure Centre was negligent in its duty of care and therefore, in breach of the statutory duty owed under section 2 of the Occupiers’ Liability Act 1957. Health and Safety at Work Act 1974 (the Act) to ensure, so far as is reasonably practicable, the health, safety and welfare at work of all their employees, and others who might be affected by its undertaking, e.g. members of the public visiting the Leisure Centre to use the facilities. The Management of Health and Safety at Work Regulations 1999 that requires employers to assess risks (including slip and trip risks) and, where necessary, take action to address them. The Provision and Use of Work Equipment Regulations (PUWER) require the risk to people’s health and safety from equipment that is used at a Leisure Centre be prevented or controlled. I would like some advice to see if my assumptions are correct and my approach to obtaining satisfactory outcome to this matter are accurate. Many thanks   PLM23000150 - Copy Correspondence.pdf post docx.docx
    • Talking to them does not reset the time limit, although they will probably tell you it does, they'd be lying. Dumbdales are the in-house sols for Lowlife, just the next desk along. If Lowlifes were corresponding with you at your current address then Dumbdales know your address. However, knowing that they are lower than a snake's belly, you would be well advised to send them a letter, informing them of your current address and nothing else. Get 'proof of posting' which is free from the PO counter, don't sign it, simply type your name. That way then they have absolutely no excuse for attempting a back door CCJ.   P.S. Best course of action, IGNORE them, until or unless you get a claim form......you won't.
    • A 'signed for' Letter of Claim has been sent today so they have 14 days from tomorrow... Lets wait and see what happens but i suspect judging by their attitude they wont reply 
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    • Hi All, So brief outline. I have Natwest CC debt £8k last payment i made was 7th November 2018 Not a penny since. So coming up to the 6 year mark. Can't remember when i took out the  credit card would be a few years before everythign hit the fan. Moved house 2020 - updated NatWest as I still have a current account with them. Then Lowells took over from Moorcroft and were writing to me at my current address. I did get a family member to speak to them 3 years ago regarding the debt explained although it may be in my name I didn't rack it up then went contact again. 29th may received an email from overdales saying they were now managing the debt. I have not had any letter yet which i thought is odd?  Couple of questions 1. Does my family member speaking to lowell restart statute barred clock? 2. Do you think overdales aren't writing to me because they will back door CCJ to old address even though Lowells have contacted me at current address never at previous? ( have no proof though stupidly binned all letters  ) Should I write to them and confirm my address just incase? Does this restart statute barred clock? 3. what do you think best course of action is?   Any help/advice is appreciated I am aware they may ramp up the process now due to 7th December being the 6 year mark.   Many Thanks in advance! The threads on here have been super helpful to read.  
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Advice on how to handle DCA with Settlement Offer


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thats the pre agreement bit

 

just mentions the previous loan

 

their figures dont match

tot payable £10,216.08

statement says £10,751.76

 

AND this life /asu figure dont add up to £1277.04

but £1343.97

 

i'll ask someone to pop in

 

def nothing else regarding an/the agreement?

 

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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ah thats better we now know £486 rolled over from the orig loan

and you got £1700 cash so to speak.

 

i'd take that pc loan agreement number and write back asking if they have any details that were not inc the sar...

 

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

 

I've had a look at this and have some observations.

 

You say that you had a PPI rebate of £1,804.27. In addition there was a credit to the account of £601.41 when the insurances were cancelled. This means that you had a total of £2,405.68 refunded for PPI.

 

Do you have a copy of the figures that would have been sent to you when this calculation was done?

 

Given that the insurances and interest per the original loan agreement were £2,164 and allowing for some statutory interest as well I think it may come out about right for a mis-selling claim.

 

You also say that you had a further amount called "Collection Charge Rebate" but I can't see what that relates to? have you got any written explanation of this?

 

As dx says, there are some charges on the account too which could possibly be reclaimed.

 

The problem is that this has all been ratified by a court so long ago I wonder if it is now too late to do anything about it.

 

As has been said, the CCJ will drop off your file in 2013 so it won't feature on there any more.

 

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Thanks for taking the time to look at this for me, I really appreciate the work DX, yourself and others have done.

 

"Do you have a copy of the figures that would have been sent to you when this calculation was done?" - I've checked and can't find any record of this and there is nothing i can see relating to it in the SAR

 

Can't remember anything about a Collection Charge rebate, I must have been mistaken about this.

 

I can fully understand if it's too late to pursue this any further, it would be good to get something back but these companies make it so difficult

- the main thing is that I would like to get a settlement from them as soon as possible and they won't correspond with me unless i give them a financial statement,

which I am not keen on doing as they might try and get more from me somehow.

 

I am hoping to get a settlement figure so that I can hopefully just pay them off, as paying £50 a month as the CCJ has enforced is going to take me years.

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i'd take that pc loan agreement number and write back asking if they have any details as that were not inc the SARlink3.gif...

 

if they can supply loan statements back to 2004

then they must have the PC loan details too.

 

ask for it specifically.

 

knowing that lot and the agreements

 

the PPI box was pre ticked

 

if we can prove that and the amount [we already have the settlement figure]

would be nice if we knew the total PC loan & your monthly payment?

 

we could recontruct the account and go for PPI

 

that would kill this debt now.

 

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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Share on other sites

i have merged all the docs so far

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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I've sent the request off to HFC today, hopefully will get something back soon, I'll let you know as soon as I hear something.

Thanks again for all your help, all I ever wanted was to get these people out of my life as it was a mistake getting involved with them in the first place.

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  • 2 weeks later...

Had the SAR request letter returned asking for another £10 and proof of ID again, even though i specifically stated that I have already paid £10 and provided ID for my initial SAR request.

Thought i better check in here first, do I have to pay £10 and provide ID again? I wouldn't have thought so seeing as though the original request was not fully carried out...

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agreed why should you

 

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 noticed on the letter, they say 'Details of any account which has been closed over 6 years may no longer be held on our systems'...

The account info i'm asking for is from 2004.

Should i still contact them for this?

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if the account was closed more than six years ago then they are correct, no data is kept for more than 6 years after closure.

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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IMHO i would escalate the 'missing data' [PC agreement] to the next level

 

HFC have just 'magically' found two early agreements in another thread

 

whereby they had said 3 times they didn't have 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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http://www.consumeractiongroup.co.uk/forum/showthread.php?337755-HFC-Account-Numbers&p=4074281#post4074281

 

i would write to restons and HFC wanting a copy of the 2004 agreement that they RELIED upon to get the CCJ.

 

don't give up

 

i would also make ref to this forum and if you like the above thread.

 

WHY cant they find it.

 

its a real shame you didn't nor were you advised, to do this when the thread started

 

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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Share on other sites

Thanks again dx, I will do this, out of sheer principle I won't give up as these people have caused me so much upset and stress over the years it would be satisfying to get back at them.

To be fair I was in the wrong to agree to a loan from them in the first place and do wish i had the support from this forum earlier

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