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    • https://www.consumeractiongroup.co.uk/topic/408156-cabotnolans-spc-claim-old-next-cat-debtclaim-dismissed/page/4/#comments https://www.consumeractiongroup.co.uk/topic/404240-arrowshoos-spc-old-newday-aqua-credit-card-debt-claim-dismissed-no-dn/page/4/#comments default notice win  https://www.consumeractiongroup.co.uk/topic/407490-meiii-cabotnolans-spc-claim-old-yorkshire-bank-loan-2nd-claim-dismissed/  
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    • With regard to your question on post 207 if you bring in the points that I made on the validity of the contract they are supposed to have with Peel holdings then mention that there are already doubts about the validity of the contracts that are being used by the PPCs and the OPS is a classic example. Once you are on there you should then try and get your other point in after that.   if it is in connection with the extra charge of £60 remind the Judge that the charge has been defined by many Court across England that the charge is an abuse of process which was covered in PE v Beavis at point 198    " The charge has to be and is set at a level which enables managers to recover the costs of operating the scheme"  IE the £100 charge covers all their expenses so nothing should be added.   as their WS claims an extra £60 that could be judged as perjurious since it is an additional sum that should be known by VCS and the author of the WS as a double recovery. Especially as they have already lost in Court for the same reason.   Another cause to prove that they do not comply with their Code of Conduct. file:///C:/Users/User/Downloads/CamScanner%2008-05-2020%2016.34.59.pdf  Byelaws are statutory not arbitrary as their WS said on no .42 .   Best of Luck.   The above URL does not work but this one does http://forums.National Consumer Service.com/index.php?showtopic=133001    [20.1 is where  VCS  lost then 20.2 where they appealed and lost again . But read the whole thread as it may help you in other ways too.
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    • stop doing nolans job for them... there are numerous threads here in the same forum yours is in     no DN info to follow   dx    
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
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      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
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Telecoms debt (alleged) Why don't they have to provide CCA?


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I have disputed a debt, because I don't owe the money.

It's apparently a mobile bill.

I have another debt with this DCA which I am paying...slowly,

but I think they've messed up and assigned something else to my name.

 

This is the response I have gotten:

 

Alternatively, if you feel that you require further details for this debt we advise that a copy bill can be requested for this account from our client Lowell Group.

 

Unfortunately a consumer credit agreement is not available for this balance as it relates to a telecoms account and therefore it is not covered by the Consumer Credit Act.

 

Can anyone please tell me why they don't have to provide CCA? And what I should do next?

 

Thanks!

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as they say, mobile phones are not a credit card/loan.

 

i agree with you

 

i think they are trying it on.

 

esp as it seems to be they are chasing a debt owned by a dca!!

 

we all know what lowlife are like too.

 

could it not be to do with the debt you currently paying?

 

you HAVE CCA'd them?

 

if they've spoofed you into paying one debt, that p'haps might not need paying.

they are seeing if they can spoof you further?

 

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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Well they sent a letter with an amount on

- which was more than I owed,

 

I emailed them with proof that I was paying the debt I do have and with the correct amount.

 

They then replied saying it was a different debt owed to three.

 

So I replied to say that I had no knowledge of the debt and that I didn't believe it was mine.

 

That was the reply I got.

 

they told me to pay it or prove fraud. I hadn't mentioned fraud just simply that I did not owe the money.

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Then I would stop playing email tennis with them and send them a prove-it letter. This one from MSE for example:

 

http://www.consumeractiongroup.co.uk/forum/content.php?428-General-debt-letter-if-you-know-nothing-of-the-debt

 

So far, they seem to have weasled your requirement for proof in to a CCA request, which they know they are not obliged to respond to. The above letter should get you the required proof - or shut them up.

 

BTW - "letter" means printed paper and sent "signed for".

Edited by havinastella
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Which DCA is chasing on behalf of Lowell.#

 

Ok lets see if we can get this sorted.

Send the following letter to the DCA by recorded delivery addressed to the Compliance Manager.

 

Ref: as on their letter.

 

Dear Sir or Madam,

 

I refer to your letter dated xx xx xxxx in which you refer to a debt for £xxxx allegedly owed originally to 3 mobile, please note I am not now nor ever have been a customer of 3 mobile and I do not acknowledge any debt to your company or any company you may claim to represent.

 

Unless you can provide unequivical and irrefutable proof of my liability for the allged debt within 7 days I will consider the matter closed.

 

I would remind you of the OFT Guidance on Debt Collection 2003/2011 and the section regarding contacting individuals when it is unclear that they are the debtor.

 

OK?

  • Confused 1

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Nice one Brig. That is a proper prove-it letter...

 

Can't stand templates Bandit the DCAs have seen them all and know where the originate, extemp. letters work more effectively.

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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i'd question the debt you are paying too?

 

whats that all about?

 

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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Fair do's Brig, but most of us cannot write an effective extemporaneous letter. Personally, I can have a go where I understand the underlying rules, laws and obligations. And have done actually, after doing the research.

 

Joe Public has no chance of doing the research to reach the level of understanding required. Which is why your letters are so valuable.

 

And also why Joe Public needs template letters.

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i'd question the debt you are paying too?

 

whats that all about?

 

dx

 

 

It's an old catalogue debt, had been managing fine - but split up with ex and couldn't continue to pay. Ihave no problem paying what I owe, which they should know given I do pay for said catalogue debt.

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urm......

 

you do realise that cat debt are littered with unlawful £12 PENALTY fees

for everything from late payment fees to unanswered phonecalls?

 

who owns that debt?

 

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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