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    • I've inserted their poc re:your.. 1 ..they did send 2 paploc's  3. neither the agreement nor default is mentioned in their 2.        
    • Hi Guys, i read a fair few threads and saw a lot of similar templates being used. i liked this one below and although i could elaborate on certain things (they ignored my CCA and sent 2 PAPs etc etc) , am i right in that at this stage keep it short? If thats the case i cant see what i need to add/change about this one   1)   the defendant entered into a consumer credit act 1974 regulated agreements vanquis under account reference xxxxxxx 2)   The defendant failed to maintain the required payment, arrears began to accrue 3)   The agreement was later assigned to the claimant on 29 September 2017 and notice given to the defendant 4)   Despite repeated requests for payment, the sum of 2247.91 remains due outstanding And the claimant claims a)The said sum of £2247.91 b)The interest pursuant to S 69 county courts act 1984 at the rate of 8% per annum from the date of issue, accruing at a daily rate of £xxxx, but limited to one year,  being £xxxx c)Costs   Defence:   The Defendant contends that the particulars of claim vague and are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.   1. The Claimant has not complied with paragraph 3 of the PAPDC ( Pre Action Protocol) Failed to serve a letter of claim pre claim pursuant to PAPDC changes of the 1st October 2017.It is respectfully requested that the court take this into consideration pursuant to 7.1 PAPDC.   2. The Claimant claims £2247.91 is owed under a regulated consumer credit account under reference xxxxxxx. I do not recall the precise details or agreement and have sought verification from the claimant and the claimants solicitor by way of a CPR 31.14 and section 78 request who are yet to fully comply.   3. Paragraph 2 is denied. I am unable to recall the precise details of the alleged agreement or any default notice served in breach of any defaulted payments. 4. Paragraph 3 is denied.The Defendant contends that no notice of assignment pursuant to s.136 of the Law of Property Act & s.82 A of the CCA1974 has ever been served by the Claimant as alleged or at all.   5. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of assignment/balance/breach requested by CPR 31. 14, therefore the Claimant is put to strict proof to:   (a) show how the Defendant has entered into an agreement; and (b) show and evidence any cause of action and service of a Default Notice or termination notice; and © show how the Defendant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim;   6. After receiving this claim I requested by way of a CPR 31.14 request and a section 78 request for copies of any documents referred to within the Claimants' particulars to establish what the claim is for. To date they have failed to comply to my CPR 31.14 request and also my section 78 request and remain in default with regards to this request.   7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.   8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974.   9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.  
    • i understand. Just be aware I am prepared to take some risks 😉
    • Thanks Tnook,   Bear with us while we discuss this behind the scenes - we want you to win just as much as you do but we want to find the right balance between maximising your claim without risking too much in court fees, and in possible court costs awarded to the defendant bank.
    • Tell your son and think on this. He can pay the £160  and have no further worries from them. If he read POFA  Scedule 4 he would find out that if he went to Court and lost which is unlikely on two counts at least [1] they don't do Court and 2] they know they would lose in Court] the most he would be liable to pay them is £100 or whatever the amount on the sign says. He is not liable for the admin charges as that only applies to the driver-perhaps.If he kept his nerve, he would find out that he does not owe them a penny and that applies to the driver as well. But we do need to see the signage at the entrance to the car park and around the car park as well as any T&Cs on the payment meter if there is one. He alone has to work out whether it is worth taking a few photographs to help avoid paying a single penny to these crooks as well as receiving letters threatening him with Court , bailiffs  etc trying to scare him into paying money he does not owe. They know they cannot take him to Court. They know he does not owe them a penny. But they are hoping he does not know so he pays them. If he does decide to pay, tell him to wait as eventually as a last throw of the dice they play Mister Nice Guy and offer a reduction. Great. Whatever he pays them it will be far more than he owes as their original PCN is worthless. Read other threads where our members have been ticketed for not having a permit. [We know so little about the situation that we do not know if he has a permit and forgot to display it. ]
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Hi

 

I have very recently received a phone call and follow up letter from a Debt Collection Agency

regarding an old bill that i know of with Vodafone.

 

I do not dispute the fact i owe Vodafone money

however i do believe the amount the DC Agency is suggesting is high.

 

I will be paying the money back when / if i can come to a reasonable agreement with them

but before that i would like some advise on obtaining information from them

telling me that the debt has been legally passed to them by Vodafone for collection

- i simply do not want to give my bank card details to someone who at present is unknown to me.

 

Is there a sample letter that i should be sending to request certain documentation before making a payment?

 

I read somewhere that i am allowed to ask for this sort of information

but is there any specific legislation i should call upon in the letter?

 

Any help would be appreciated.

 

Thanks

 

Shane

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Hi shane,

 

How old is the debt? When did you make the last payment?


Welcome to Consumer Action Group

 

'Challenges are what makes life interesting; overcoming them is what makes life meaningful.'

Joshua J. Marine

 

1) CLAIM BACK ALL PENALTY CHARGES CLICK HERE

2) CLAIM BACK ALL MIS-SOLD PPI CLICK HERE

3) COMPOUNDED CONTRACTUAL INTEREST CLICK HERE

4) REQUEST CCA FROM CREDITOR CLICK HERE

5) OFT- UNENFORCEABLE AGREEMENTS CLICK HERE

6) CAREY V HSBC (2009) CLICK HERE

7) DON'T BE BULLIED BY CREDITORS / DCA's CLICK HERE

8) IN DEBT DON'T PANIC CLICK HERE

9) FULL AND FINAL SETTLEMENT CLICK HERE

10) SALE OF GOODS ACT-EDUCATE YOUR RETAILER CLICK HERE

11) DISTANCE SELLING-EDUCATE YOR RETAILERCLICK HERE

12) SOGA SUMMARY CLICK HERE

13) WHICH? TEMPLATES [/url]CLICK HERE

14) DOES YOU BANK TREAT YOU FAIRLY BCOBSCLICK HERE

15) EVERYTHING HOUSING CLICK HERE

16) UTILITY BACKBILLING CLICK HERE

17) OFGEM - COMPLAINTSCLICK HERE

18) OFCOM - COMPLAINTS CLICK HERE

DON'T GIVE UP, THIS SITE WILL PROVIDE YOU WITH GUIDANCE AND EMPOWERMENT

 

Don't forget to donate to this site

 

Please let us know how your problem has been resolved, it could help fellow Caggers

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Should the poster have Vodaphone in the title so that Lee can get on board?

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Hi

 

The debt is less than a year old - i believe i made the last payment approximately 9/10 months ago.

 

Thanks

 

Shane

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Hi Shane,

 

Did you admit to the debt in the phone call?


Welcome to Consumer Action Group

 

'Challenges are what makes life interesting; overcoming them is what makes life meaningful.'

Joshua J. Marine

 

1) CLAIM BACK ALL PENALTY CHARGES CLICK HERE

2) CLAIM BACK ALL MIS-SOLD PPI CLICK HERE

3) COMPOUNDED CONTRACTUAL INTEREST CLICK HERE

4) REQUEST CCA FROM CREDITOR CLICK HERE

5) OFT- UNENFORCEABLE AGREEMENTS CLICK HERE

6) CAREY V HSBC (2009) CLICK HERE

7) DON'T BE BULLIED BY CREDITORS / DCA's CLICK HERE

8) IN DEBT DON'T PANIC CLICK HERE

9) FULL AND FINAL SETTLEMENT CLICK HERE

10) SALE OF GOODS ACT-EDUCATE YOUR RETAILER CLICK HERE

11) DISTANCE SELLING-EDUCATE YOR RETAILERCLICK HERE

12) SOGA SUMMARY CLICK HERE

13) WHICH? TEMPLATES [/url]CLICK HERE

14) DOES YOU BANK TREAT YOU FAIRLY BCOBSCLICK HERE

15) EVERYTHING HOUSING CLICK HERE

16) UTILITY BACKBILLING CLICK HERE

17) OFGEM - COMPLAINTSCLICK HERE

18) OFCOM - COMPLAINTS CLICK HERE

DON'T GIVE UP, THIS SITE WILL PROVIDE YOU WITH GUIDANCE AND EMPOWERMENT

 

Don't forget to donate to this site

 

Please let us know how your problem has been resolved, it could help fellow Caggers

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Hi Rebel

 

I had no reason not to deny the debt however i did state to the gentleman on the phone i disputed the amount.

 

He said we have posted a letter proving they have been assigned the debt by Vodafone however having received this letter today it's not really proof...its just a sentence stating they have been instructed by Vodafone to collect.

 

Thanks

 

Shane

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and i can send you the same letter and ask you to pay me.

 

you need a letter from vodafone stating which company will be collecting on there behalf


PHOTOBUCKET TUTORIAL IS NOW DONE HERE IT IS

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Hi Shane

 

Send a letter to Vodafone, send it recorded keep a copy, ask them to send you a receipt. You want any Penalty Charges you've paid taken off the amount they are asking. In the letter tell them how much your willing to pay and why you are disputing the total amount. Tell them you will only deal with them.

 

Just for the record I wasn't asking you 'deny' the debt, but I wanted them to provide the correct documentation.

 

So your saying to them, give me a bit more then the 'one sentance'.


Welcome to Consumer Action Group

 

'Challenges are what makes life interesting; overcoming them is what makes life meaningful.'

Joshua J. Marine

 

1) CLAIM BACK ALL PENALTY CHARGES CLICK HERE

2) CLAIM BACK ALL MIS-SOLD PPI CLICK HERE

3) COMPOUNDED CONTRACTUAL INTEREST CLICK HERE

4) REQUEST CCA FROM CREDITOR CLICK HERE

5) OFT- UNENFORCEABLE AGREEMENTS CLICK HERE

6) CAREY V HSBC (2009) CLICK HERE

7) DON'T BE BULLIED BY CREDITORS / DCA's CLICK HERE

8) IN DEBT DON'T PANIC CLICK HERE

9) FULL AND FINAL SETTLEMENT CLICK HERE

10) SALE OF GOODS ACT-EDUCATE YOUR RETAILER CLICK HERE

11) DISTANCE SELLING-EDUCATE YOR RETAILERCLICK HERE

12) SOGA SUMMARY CLICK HERE

13) WHICH? TEMPLATES [/url]CLICK HERE

14) DOES YOU BANK TREAT YOU FAIRLY BCOBSCLICK HERE

15) EVERYTHING HOUSING CLICK HERE

16) UTILITY BACKBILLING CLICK HERE

17) OFGEM - COMPLAINTSCLICK HERE

18) OFCOM - COMPLAINTS CLICK HERE

DON'T GIVE UP, THIS SITE WILL PROVIDE YOU WITH GUIDANCE AND EMPOWERMENT

 

Don't forget to donate to this site

 

Please let us know how your problem has been resolved, it could help fellow Caggers

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Hi

 

Thanks for the information. I will send a letter to Vodafone asking if i can deal with them. I do wish i just cancelled the mobile contract when i stopped using it...o well thinking like that now is my fault!

 

i hope i can deal with vodafone direct as DC Agencies are so shady!

 

Thanks

 

Shane

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Let us know how you get on.


Welcome to Consumer Action Group

 

'Challenges are what makes life interesting; overcoming them is what makes life meaningful.'

Joshua J. Marine

 

1) CLAIM BACK ALL PENALTY CHARGES CLICK HERE

2) CLAIM BACK ALL MIS-SOLD PPI CLICK HERE

3) COMPOUNDED CONTRACTUAL INTEREST CLICK HERE

4) REQUEST CCA FROM CREDITOR CLICK HERE

5) OFT- UNENFORCEABLE AGREEMENTS CLICK HERE

6) CAREY V HSBC (2009) CLICK HERE

7) DON'T BE BULLIED BY CREDITORS / DCA's CLICK HERE

8) IN DEBT DON'T PANIC CLICK HERE

9) FULL AND FINAL SETTLEMENT CLICK HERE

10) SALE OF GOODS ACT-EDUCATE YOUR RETAILER CLICK HERE

11) DISTANCE SELLING-EDUCATE YOR RETAILERCLICK HERE

12) SOGA SUMMARY CLICK HERE

13) WHICH? TEMPLATES [/url]CLICK HERE

14) DOES YOU BANK TREAT YOU FAIRLY BCOBSCLICK HERE

15) EVERYTHING HOUSING CLICK HERE

16) UTILITY BACKBILLING CLICK HERE

17) OFGEM - COMPLAINTSCLICK HERE

18) OFCOM - COMPLAINTS CLICK HERE

DON'T GIVE UP, THIS SITE WILL PROVIDE YOU WITH GUIDANCE AND EMPOWERMENT

 

Don't forget to donate to this site

 

Please let us know how your problem has been resolved, it could help fellow Caggers

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Hi

 

Following on from the help given earlier..

.i have received another call from the Debt Collecting Agency and my god what a conversation.

 

He was clearly an arrogant person on the end of the line

and went into a line of we want a payment now over the phone

so we can set up an agreeable monthly re-payment.

 

I interrupted at this point and said i am not willing to make any payment to you

until i am satisfied that you have been legally assigned to collect the payments on behalf of Vodafone.

A simple enough request i thought

- most people like to know who they are paying right??

 

he then went into a verbal assault accusing my of not being able to manage my finances

and having a bad credit rating etc etc which to be honest flung me back a bit

considering i had only asked him to provide me with copies of information

that led to them taking the account on from Vodafone.

..this is not an unreasonable request is it?

 

because i was taking so long to pay i was incurring their charges.

my account was £440 ish and it had increased to circa £500 due to the delays with repayments etc.

 

that if i did not make payment tonight they would instigate the next step of issuing court proceedings to recover the money.

 

At this point i cut him off and said i am not being unreasonable in my request for the information

but again he cut me off with accusations of poor credit management etc etc.

He closed by saying they would get court proceedings out to me ASAP.

 

Thats how the call ended and to be honest i am fuming.

I dont suppose its just me who has had this kind of call

but surely they cant do this especially when i am only requesting such detail.

 

Any advise on how i can address this situation further would be greatly appreciated.

 

Thanks

 

Shane

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tell them you are recording even if you are not and that you have the right as the bill payer they will soon put the phone down


PHOTOBUCKET TUTORIAL IS NOW DONE HERE IT IS

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Hi

 

Following on from my post last night I have now emailed The Financial Ombudsman to instigate a complaint against Fredrickson International.

 

Do you think I should in any case issue them on the the 'prove it' letters or is their verbal threat of court action just that...a threat with no substance?

 

Thanks

 

Shane

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Hi

 

Following on from my post last night I have now emailed The Financial Ombudsman to instigate a complaint against Fredrickson International.

 

Do you think I should in any case issue them on the the 'prove it' letters or is their verbal threat of court action just that...a threat with no substance?

 

Thanks

 

Shane

 

It may be a threat with no substance - and a prove it letter at least puts the ball in their court.

 

DO NOT deal with them on the phone - send them a harrasment letter also, and refuse to answer their security questions on the phone in the meantime - or even better just say in writing only and hang up.

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Hi Shane,

 

From the information you've posted here I'm sure I can be of assistance to you here.

 

To enable me to access your account so that I can take a closer look at things for you could you email me your details by following the steps in our pinned thread here http://www.consumeractiongroup.co.uk/forum/showthread.php?213340-Vodafone-Webteam-for-Customers-With-Problems?

 

Once you've sent it you'll receive an automated reply with a reference number. Could you update the thread with this so I can make sure it reaches us and I'll get back to you as soon as possible?

 

Kind regards,

 

Lee

 

Web Relations Team

 

Vodafone UK

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Lee

 

I have been given a reference number from Vodafone of 4390724 - hope this helps?

 

Thanks

 

Shane

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Hi Shane,

 

Thanks for coming back to me.

 

I can confirm that I've got your email and will be coming back to you as soon as I can to discuss this further.

 

Kind regards,

 

Lee

 

Web Relations Team

 

Vodafone UK

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Lee

 

Thanks for the call earlier today. I am glad we have managed to agree a repayment from me direct to Vodafone.

 

I am very pleased that i do not have to deal with that shoddy debt management company again.

 

Thanks

 

Shane

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Hi Shane,

 

Thanks again for your time on the phone yesterday.

 

I'm pleased that we were able to come to an acceptable arrangement here with you and thanks for updating the thread to confirm that this is now resolved.

 

Take care.

 

Lee

 

Web Relations Team

 

Vodafone UK

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Thread title updated


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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Hi all

 

I have a well documented issue with a high profile telecommunications provider and in a final attempt to resolve the issue i am contemplating issuing proceedings in the County Court.

 

I have drafted a letter before action (using this sites template) and i was wondering if anyone would volunteer to review it for me prior to me sending it?

 

Thanks

 

Shane

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You want to post it up Shane or prefer to PM it to me? ( if the case is sensitive)

 

 

Regards

Andy


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PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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Andy

 

I'd prefer to PM it to you. I'll do that now if you dont mind?

 

Thanks

 

Shane

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Ok Shane,

 

Firstly never pre warn the basis of your claim within a LBA. LBAs are for warning and intentions and seeking proporsition and summons are for pleadings.Im not sure if you are aware but we have a Rep on site here who may be able to defuse this for you before any action is required, Lee Vodafone Company Rep.I would PM him and get his attention and explain your problem and intentions firstly before any course of legal action.

 

Regards

 

Andy

 

Here is a link http://www.consumeractiongroup.co.uk/forum/member.php?260000-Lee-Vodafone-Company-Rep


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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