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    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
    • In anticipation of lodging my court claim next Weds 1 May (14 days after advising P2G that was my deadline for them to settle my claim) I have completed my first draft POC as below: Claim Claim number: xxxxx Reference: P2G MAY 2024   Claimant xxxxx   Defendant Parcel2Go 1A Parklands Lostock Bolton BL6 4SD  Particulars of Claim The defendant has failed to arrange for the safe delivery of the claimant's parcel containing a 8 secondhand golf clubs (valued at £265) that was sent to a UK address using their delivery service (P2G Reference xxxxx). The defendant contracted Evri to deliver the parcel (Evri Reference xxxxx) and refuses to reimburse the claimant on the grounds that the claimant did not purchase their secondary insurance contract. The defendant seeks to exclude their liability in breach of section 57 Consumer Rights Act. The secondary insurance contract is in breach of section 72. The claimant seeks reimbursement of £265, plus P2G fees of £9.10, plus postage costs for two first class letters to P2G of £2.70, plus court fees, plus interest. The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from xxxxx to xxxxxx on £276.80 and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of £xxxx   Details of claim Amount claimed £276.80 I look forward to your thoughts and comments guys! As ever, many thanks - G59    
    • Hmm, that's strange how they got my email then.  I assume the below is ok to send to DCBL, Nicky?  Hello, I am writing regarding our ongoing dispute and the upcoming court claim reference xxxxxxxx. To ensure fairness and transparency in our communications leading up to the court hearing, I request that you use postal mail exclusively for all further correspondence related to this claim. Please refrain from sending any communication or documents via email. Thank you for your understanding and cooperation. If you have any questions or need clarification, please feel free to contact me via postal mail at the address provided above. Yours sincerely, xxxx
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Help with Statute Barred Debt and Debt Collection Agencies


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Hi,

 

I am seeking some help and advice, i am new to the forum so apologise if i am posting in the wrong place.

 

I had a loan with Citifinanciial in which started 2/9/03, i defaulted on 30/06/07, i never heard anything since then from the company. In May 2012 i got a letter from Arrow Global say my loan had been assigned to them and all future payments should be made to Wescot Credit services, i ignored the letter as the debt was over 6 years old and i had not made a payment or had any correspondence from Citifinancial.

 

2 weeks ago i got a letter from Rockwell pursuing me on behalf of Citifinancial, i wrote to them saying i did not acknowledge the debt and that in any event it was Statute Barred. I then received a letter back saying that i had made a payment of 29.42 in March 2010 (not true) and asking me to fill in a statement about my finances within 30 days.

 

I have not replied as yet but checked my credit file and it shows that for the last 49-60 months account status is 8, the period between 61-72 months 8888444444. There is also a comment under Change To Payment Terms, date 05/12 monthly payment £200. I have had no correspondence from anybody agreeing to make payments of £200 or anything else. This is now effecting my credit rating and i do not know how to proceed. Is it legal to make that entry without me agreeing or having any correspondence from anybody. How can i get this debt removed. Please can somebody help me.

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I have it in front of me and all it has is the codes so for the last 60 months its showing 8 meaning zero payments made, then its says 61-72 months 888844444444 sorry not much help i guess but that is all there is on there.

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61-72 months is probably the numbers 4 that you are seeing and would make it out to be may of this year about the time it says that you made agreement to pay ? some thing not right i smell a DCA rat.

 

i would send the stat barred letter and see what they come back with. click the link below it's at the bottom of that page

 

http://www.consumeractiongroup.co.uk/forum/content.php?68-debt-collection-library&page=2

PHOTOBUCKET TUTORIAL IS NOW DONE HERE IT IS

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The OP has already sent a Statute Barred letter and had it disputed...

 

The entries on your credit file will drop off shortly after the the 6th anniversary of the default. Although they might be fictitious, I wouldn't spend any energy on that. You did default and you didn't pay. And it will drop off next year.

 

You need to write back to Rockwell disputing the account on the basis that you did not make a payment in March 2010. You should ask them for the details of the payment including:

Payment type (cheque, direct transfer, direct debit etc).

Payment identification.

Originating account.

 

This is quite probably a reversal of interest that happens when a creditor writes an account down in preparation for sending it to debt collection.

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Ok thanks for that, i had already written that letter but had not posted it as i wanted to get some advice before doing so, i was also going to ask them for the original agreement (copy) and proof that Citifinancial had asked them to pursue me for the money, unsure why they didn't do it ages ago?

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Oh just one more thing, is this debt Statute Barred or not?

You seem to have passed through a lot of advice on this thread without understanding it to post this question at this point.

 

If your last payment of offer to pay (in writing) was more than 6 years ago, then yes. It is statute barred.

 

They dispute this and claim you made a payment in March 2010.

 

You need to make them prove that this payment was made by you (it wasn't) to make it NOT statute barred. Just because they have a payment recorded doesn't mean it was made by you.

 

Send them a letter with a title ACCOUNT IN DISPUTE. Ask them for the info in post #12.

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You said in your post that you defaulted on 30/06/07!!!!!!!!!!!!!!!

 

You now state you have not made any contact in over 6 years. You have been asked 3 times when the last payment was made. I cannot offer any advice until you know when the last payment was made.

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According to the credit fiel thats the date the account went into default, as i have said i have no statements or any documentation showing when the last payment was made but i know i have had no contact or made a payment in the last 6 years to Citifinancial.

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