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    • Include that in your witness statement along with that letter as an exhibit.
    • Yup, well so far they have lied to me about responding to a CCA,  are threatening me with a default notice that they don't have, produced a knocked up version of my NOA, sent me 29 pages of spew for an agreement. No wonder they pay 5 p in the pound for that crap.
    • Paragraph 2. I think there should be further down and also you should make the point that the payment to was made unilaterally and without the imposition of any conditions. Paragraph 3 – this is unnecessary because you are not claiming as an entitled third-party. This worries me because it makes me feel that you haven't fully read around because this is a paragraph which you would include where you were suing EVRi as a beneficial third party because you had actually made your contract with Packlink or some other broker. I think you need to revisit and do some more reading. I'm afraid I have a sense that you have simply copied this from somebody else's witness statement without understanding that it wasn't necessary. Please can you post the amended draft. Other than the suggestions above, it looks okay – but let's see it again for a further appraisal. In terms of the evidence, parties bundle, I think it might be an idea to start off with the correspondence with EVRi and then go onto the other evidence. You will have to amend the index page accordingly. You could shorten this bit. Take 19 is pretty well blank and you may as well miss it out also, there seems to be some repetition of emails and the email chain. I think will be worth going through and getting rid of duplicates if you can. 49 pages is a bit long and it would be a good idea to try and reduce the number. I have a feeling that 50 pages as the County Court limit anyway. The judge will be happier with you if the bundle is smaller. Maybe you could reduce the size of some of the images or messages et cetera. You have got several messages which straddle onto a second page so that things like sign off information and standard confidentiality information become orphans. A bit of manipulation and they could be joined to their parents I think. Page 31 as an example. So is page 19. You may only be up to shorten the whole thing by 56 pages – but I think it would be a good idea. 56 pages is, after all, 10%. If you can do more then so much the better
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      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.

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    • 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.
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      This is good ethical practice.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Link & old Joint GE Money Holiday Ownership loan


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Hi folks.

Just had a very confusing phone call from Link.

 

When I refused to answer any security questions,

saying that I didn't know if they were genuine

 

they said "O.K. we understand and we will write to you."

 

No messing about just a really nice conversation and an " enjoy the rest of your evening".

 

Are they trying to mess with my head? .

 

If so it doesn't matter due to my head already being messed up.

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they already know you are on to them and they don't want to risk

getting into further trouble.

 

did you et the statements from plink?

 

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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  • 6 months later...

Hi folks.

Just a quick update and need for some reassurance.

 

Still only paying £1 but

 

now Link state we have broken the agreement and want to know why,

plus usual demand for I & E forms to be submitted and a list of their options.

 

Despite sending a letter saying not to phone us they have done so several times.

 

I have refused to answer security questions and they say they have not received letters.

 

I am worried that their next stage might be attempted bankruptcy.

 

With our other debts plus a suspended eviction notice over our heads could this be a possibility?

 

Sorry if I am rambling but my head is spinning with all the "What ifs" on this.

 

I like reading the other threads to see all the help and advice which is out there and gladly given and which I have used.

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about time you got reclaiming.

 

there PPI & PENALTY charges to reclaim.

 

did you ever send PLINK an sar?

 

this debt smells

 

 

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 DX.

 

Left the O/H to sort out the PPI as they are first named on policy.

 

Have literally just been going through their paperwork and reading their website,

mainly, reference the interest that they refused to stop (plus GE before them).

 

I realised I haven't SARed them and have found an old postal order from when I was firing them out last year.

 

Don't know if I can still send it as it is dated Jan last year.

 

Will be sending the SAR within the next couple of days.

 

Hoping to head off the bad guys at the pass ahead.

 

Have read my credit report and the default date for this debt will soon be up.

 

Is that likely to stir them into action?

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PO only last 6mts

 

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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  • 4 weeks later...

Received the SAR info and had a quick look through it.

 

Don't understand some of it but a couple of interesting points are on it.

 

They have added a £10 admin charge, but, on the info supplied with the SAR is a note saying payment received!!!!!

 

There is also a note saying they received notification that all future communications to be done by post.

 

Guess what?

Whilst typing the letter about the admin charge They phoned.

 

I refused any alleged security questions and ended up in a verbal merry go round.

 

link: How do i know who I am talking too?

Me: You have been told "In writing only"

Link: OK thats no problem.

Me: How do you know that if you don't know who I am?

 

How do I now complain to the appropriate bodies, as I can't see any letters in the library?

 

Thanks in advance.

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Just been on my credit report and now can't find this account. It was the 6th anniversary of its default recently but wouldn't it still show? It was showing 2 months ago as defaulted.

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no!

 

All references to a defaulted debt must be removed from your credit files after 6 years

has passed from date of default, whether paid off or not.

.

the WHOLE ACCOUNT WILL VANISH, never to return.

.

however, this does not mean the debt itself is not still owed

consider a CCA request.

.

This is so that someone who continues paying something

- even after 6 years from default

- should not be at a disadvantage to someone who pays nothing after default

and ends up with a clean file after 6 years.

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 pointing out the issue of the vanishing from 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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Share on other sites

so you have an sar from link now too

 

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

Yes, very recently arrived.

 

With the latest phone call coming so soon after its arrival, and knowing the default would soon be up,

 

that was when I checked my credit report.

 

I thought it would just show payments received without a default.

 

Having read the CR more closely it does say that the account is taken off.

 

Will be taking a few days to try and make sense of the SAR info sent.

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ok scream if you need help

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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Have had a chance to read through the SAR pack but first who and how do I complain about still receiving phone calls when they have been told not to.

 

They even admit receiving the letter in the SAR bundle.

 

With all the info in the SAR is there a particular type of solicitor or advisor,

 

I should be looking to see, to fully understand what the info actually is?

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scan the plink sar up please.

 

the telephone harassment letter indicate whom to complain too.

 

I also wonder if the new FCA Conc rules will help here too.

 

have you stopped paying yet?

 

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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  • 5 months later...

Just a quick update as to were we are.

 

 

Wrote to link asking several questions including why were we still getting calls from them

5 months after writing to them and more importantly why no NOA enclosed.

 

Had a reply back from Link saying "Sorry" for the phone calls,

blaming them on our number not being removed.

 

 

Also stated that they could not provide a NOA as their system was updated a few years ago

and it was no longer on their system and we would have to get back in touch with original lender for the information.

 

 

According to the info on the SAR from the original lender they did not send one, just default and termination notices.

 

Still only paying £1 a month but no more phone calls or letters asking for I & E.

 

 

Should I be worried about Link trying anything?

 

 

Sorry for the ongoing saga but I don't want to be blindsided.

 

 

Thanks for all the help over "How long?"

P.S. The SAR runs to over 40 pages.

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why are you still paying link

 

 

in post 7 you were advised to cease payments

why are you still paying these fleecers?

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 dx.

Things are never as simple as that.

 

 

This is a joint debt and

 

 

both myself and the OH have other debts which lead to massive fear factors.

 

 

 

 

You could call it cowardice but without knowing what the DCA actually have,

 

 

and what that enables them to do,

 

 

it was simpler to pay something.

 

 

As you know debt causes a lot of tension on the home front

 

 

and we didn't want to go to Relate!!

 

 

We have stopped paying a couple of other DCA.s following advice from this site

 

 

 

 

so things are slowly getting sorted out.

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longer you pay

longer its around you neck regarding SB date.

 

if you are going to be scared of DCA's all your life

no wonder you have money issues

 

that's exactly what they want,

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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post up the contents of the sar, together with the cca reply

 

lets have everything in one place to have a look at

 

as far as I remember this ag was unen anyway

 

dx has given you the correct response above

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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Hi dx.

Just for the record I am not scared of DCAs after being on this site. In fact since being on it our payments to them have dropped from nearly £250 a month to less than £30. As I have said previously some of these debts are joint and the OH suffers bad panic attacks, some of which, are brought on when I try dealing with them. Also thanks to this site we were able to stop the house being repossessed, when the OH actually believed the advice given, the mortgage being in their name only. I am happy to deal with the DCAs but want to do it from a position of strength and not going in only half prepared. I understand that most, if not all, the people helping me on this site have been in my situation but I feel that saying "No wonder I have money issues" isn't helping to relieve the stress we going through.

Thanks everyone for your help. Goodbye.

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stand up to them.

 

 

all you are doing by continuing to pay a token sum

when they have no legal right to any money is prolonging the pain.

 

 

at some point you will have to do it

 

 

why wait?

 

 

the quicker you do so

the quicker it will be over

 

 

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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