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    • Millions of bicycles were sold this year, with fears there won't be enough for the festive period. View the full article
    • Thanks DX, I'm happy that there are no valid reasons for them not to send us documents via royal mail - they were after all perfectly capable of sending these two letters.   The 12+2 days end on 7 December so I will ensure the DD's are cancelled for these and the Hoist one that is also being paid monthly on that very date. 
    • Sorry to hear the news Dave.   As for sums on top of the £100, maybe the judge ruled against the £60 Unicorn Food Tax but allowed £25 claimform fee + £25 legal costs.  Just a guess.
    • Hi guys!   Update:   Been forwarding all the text messages to 7726   These were the text messages:   28 October: We have been instructed to proceed formally on this claim in 7 days in respect of the balance due to Photo Studio Group unless discharged or an arrangement made. This will result in a formal Letter Before Claim and Court Proceedings.   29 October: It's not too late to stop legal action. Settle the £1182.89 due to Photo Studio Group.    30 October: The £1182.89 due to Photo Studio Group is overdue we are now instructed to proceed with a formal Letter Before Claim.   We are now considering whether to issue Court proceedings to recover £1182.89 owed to Photo Studio Group.    2 November: We are now preparing to send a Letter Before Claim. Call 01422746202 to resolve this matter.    6 November: We have now have issued a Letter Before Claim which you should receive in the next few days. Pay the balance due to Photo Studio Group now.  It's not too late to stop legal action. Settle the £1182.89 due to Photo Studio Group online now.    8 November: Click the link to address the £1182.89 due to Photo Studio Group to avoid legal action 12 November: A County Court Claim will impact your ability to obtain credit for up to 6 years. Pay online to stop action.  13 November: We are concerned you have not responded to the Letter Before Claim regarding the balance due to Photo Studio Group?   15 November:  Call AJJB Law regarding the letter you have received from us in order to stop Court Action on 01422746202.    21 November: IMMEDIATE ACTION REQUIRED. Pay £1182.89 due to Photo Studio Group online to stop Court action.  23 November:  We haven't received a response to the Letter Before Claim issued by us. It's imperative you act now to avoid Court Proceedings.  We will be conducting a Pre Court Action Review this week. Pay £1182.89 online today or set up a plan to stop.    26 November: IMMEDIATE ACTION REQUIRED. Pay the balance of £1182.89 online today to prevent further legal action.  29 November: We will be conducting a Pre Court Action Review this week. Contact us today on 01422746202.  2 December: You haven't replied to the Letter Before Claim from us. Costs and fees will be added if we issue a County Court Claim.    Emails:   10 Nov:   Dear -----, LETTER BEFORE CLAIM AJJB Reference: .... Our Client: Photo Studio Group Balance: £1182.89 You will now have received a Letter Before Claim issued by us regarding the balance due to our client. It is important that you do not ignore this letter and read the contents carefully. If you have a query relating to your balance then please contact us to discuss urgently. If you wish to make payment to settle the balance you can do so through our website www.payajjb.co.uk or by calling us on 01422746202. Alternatively an income and expenditure statement is enclosed in the letter, if you are unable to repay the balance in full, payment arrangements will be considered based on your circumstances. Payment arrangements can also be submitted via our website. Please respond urgently to avoid Court action. Yours Sincerely, AJJB Law   19 Nov: Dear ----, RESPONSE REQUIRED AJJB Reference: ..... Our Client: Photo Studio Group Balance: £1182.89 Our records show that you have not responded to the Letter Before Claim issued by us, or our previous attempts to contact you. We hope to resolve this matter without the need to issue a County Court Claim but we only have a limited time to do this. In order to come to a suitable way forward to address the balance please contact us today using one of the following methods: - Email - reply to this message - Online using our secure customer portal - www.payajjb.co.uk - Telephone - 01422746202 Hopefully we can agree a way forward without the need for further action. Yours Sincerely, AJJB Law   27 Nov:   IMPLICATIONS OF A COUNTY COURT JUDGMENT (CCJ) AJJB Reference: ..... Our Client: Photo Studio Group Balance: £1182.89 We are now in a position to issue a County Court Claim to recover the balance due to Photo Studio Group as we have not received a satisfactory response to the Letter Before Claim. This could result in a CCJ being registered against you As previously mentioned, we wish to resolve this matter without the need for legal action, however, we are unable to do so if you do not address the balance due. A CCJ will have an adverse impact on your credit file and will be registered for 6 years. It will affect any future lending decisions including applications for loans, mortgages, tenancy agreements and the purchase of goods on credit (for example a mobile phone contract). You can stop further action now by contacting us to discuss your circumstances or by making payment: - Email - reply to this message - Online using our secure customer portal - www.payajjb.co.uk - Telephone - 01422746202 Please do not ignore this email. Yours Sincerely, AJJB Law I also received two letters to the address I currently live in:   1.  A letter before claim    2. Implications of a county court judgment   Please let me know if I should proceed in any way.   Thank you all for your time!        
    • for whatever reason they fail the 12+2 working day time limit you may cease payments.   as for their stupid excuse to gander email details you do NOT.   they know full well there are ZERO Gov't guidelines regarding mail , .
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Debt Managers LTD and Arrow- Shop Direct (Carval)


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Any help with my situation is greatly appreciated.

This is quite stressful as you can imagine.

I do not owe any money to anyone and my credit reference is clean as I just checked on noddle.

 

14 Dec 2012

I receive the following letter from Debt Managers LTD:

 

We are attempting to contact the above named person and our client's recent investigation have resulted in your details being obtained from a credit reference agency.

Your address has been provided by them due to a link with the data our client holds, as a possible new address for the person we are wishing to contact.

 

To verify that you are the person we are wishing to contact, or if you believe you are not the subject, please contact us urgently on 0843 216 8300 so that our records can be updated appropriately.

 

If we do not receive a response to this letter within 7 days, we will assume the link is correct and further communication will be made.

 

27 Dec 2012

I receive another letter from them titled 'Doorstep Agent Visit'. It said the Account is due to 'Arrow - Shop Direct (Carval).

 

We are collecting the above debt on behalf of Arrow.

We will instruct our doorstep agents to call at your address to discuss arrangements for the payment of the full amount owing.

You have a final opportunity to prevent this happening by simply calling us on 0843 216 8300 to set up an affordable payment arrangement.

Payment may be made by card securely online or by telephone on the number above.

You may even be entitled to a discount (without prejudice) for an immediate settlement.

Other payment options are available and can be discussed further.

If you are unsure of how you will settle this debt you must telephone one of our negotiator who will discuss the options available to repay this amount and the payment methods available.

 

 

 

Q. Should I send letter 1 or letter 2 for the next step?

Letter 2 was compiled from a template on another site.

 

Letter1

 

Dear Sir or Madam

 

Account No/Reference No: XXXXXXXX

 

You have contacted me regarding the account with the above reference number, which you claim is owed by myself. I have no knowledge of any such debt being owed to 'Arrow - Shop Direct (Carval)'

 

I am familiar with the CPUTR 2008 and the Office of Fair Trading's Guidance on debt collection, which states that it is unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

 

I would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable and in not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive and unfair methods. Furthermore ignoring and disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical & psychological harassment.

 

I would ask that no further contact be made concerning the above account unless you can provide evidence as to my liability for the debt in question and await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to Trading Standards and also inform the Office of Fair Trading of your actions.

 

Furthermore, should it be your intention to arrange a “doorstep visit”, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make such an appointment with you.

There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v Sheppard & Short Ltd [1959] 2 QB 384. per Lord Evershed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and, if you do so, you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance.

 

 

Letter2

'27th December 2012

 

This is NOT a complaint, a query, a request for a statement/agreement and is NOT to be treated as one. By doing so, you will agree to pay £5,000.00 in damages.

Do not refer to me as Mr/Mrs/Ms or any title, which is a legal fiction and is not me. By doing so, you will also agree to pay £5,000.00 in damages.

 

Re: Reference Number *********

 

Dear ******,

 

Thank you for your recent contact dated: 17th December 2012

 

I feel this matter is serious and wish to deal with it in writing. I do not give you permission to contact me by telephone. I will be logging the dates and times of your calls and messages and should they continue, I must warn you that they will now constitute ‘harassment' and I may take action under Section 1 of the Protection from Harassment Act 1997. I may also take further action under the Administration of Justice Act 1970 S.40, which makes it a Criminal Offence for a creditor or a creditor's agent to make demands (for money), which are aimed at causing 'alarm, distress or humiliation', because of their frequency or manner.

 

Please provide verification of your claim, including a lawful contract; a hand signed invoice in accordance with Bills of Exchange Act (1882) and proof of agency within ten (10) days from the above date so that I may settle any financial obligation I might lawfully owe. Your said failure to provide verification of your claim constitutes your agreement to the following terms: that you are a third party interloper; you have no legal standing; no first-hand knowledge of this matter; your claim is fraudulent; any damages I suffer you will be held culpable; you agree to pay all fee schedules; that any negative remarks made to a credit reference agency will be removed and that you will no longer pursue this matter any further.

 

Should you provide sufficient evidence that I owe your organisation or your client any outstanding amount and that you can provide proof that they have assigned you agency, I should be happy to pay any verified claim in full.

 

Furthermore, should it be your intention to arrange a “doorstep visit”, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make such an appointment with you.

There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v Sheppard & Short Ltd [1959] 2 QB 384. per Lord Evershed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and, if you do so, you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance.

 

Thank you

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moved to the cat forum

 

plenty of thread here to read.

 

IMHO

 

if nothing shows on your cra file

 

it is either not your debt [same name etc etc]]

 

or

 

its well statute barred

 

this is a phishing trip to catch a mug

that knows no dif than to cough up.

 

you found CAG.

 

ignore.

 

no DCA has any legal powers

 

they are not BAILIFFS.

 

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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You say this is a stressful situation. Only if you make it that way. Just learn that these morons operate on instilling fear and, unfortunately, you're letting them succeed.

Avoid the temptation to respond to their provocations. The more you stick your hand in the cage, the harder they'll bite. Save yourself the time, worry and effort.

Debt Manglers do not generally send agents out. I ignored the sort of letter from them that you've had and they simply returned it to their 'client'.

DO NOWT.

As for your 2nd template letter, gleaned from a stable of unstable thinkers, pls let us know if you hear of anyone who gets £5K per each letter sent, in which case I think I'll start sending it too. :)

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Too much in those lettere some unecessary others wrong.

Send the following to The DATA CONTROLLER at Debt Managers.

 

Re: as on their letters.

 

Dear sir,

 

I refer to your companys letters dated xx xx xxxx and xx xx xxxx in which you allege I owe a debt for £xxx .xx originally owed to xxxxxxxxxxxxx, please note I do not acknowldege any debt to Debt Manager s Ltd., or any company you may claim to represent.

 

I have no knowlege of any such debt and no knowledge of your client Arrow Global and therefore accept no liability for this allged debt,you should be aware of the OFT Guidance on Debt Collection 2002'2012 and the sections regarding pursuing an allged debtor when it is not clear that you have the right person, also you are reminded that the onus of proof that this debt is owed by me lies entirely with A|rrow Global and Debt Managers Ltd., and it is not dor me to prove I do not owe this.

 

Having checked my credit history and credit file records I have concluded that if any such allged debt ever existed it would now be statute barred and I would not make any payment or offer of payment now or in the future.

 

For clarification: I do not acknowledge any debt or liability to Arrow Global or Debt Managers Ltd., I have no knowledge of any Shop Direct Accoun or debt.

 

Any such allged debt would now be statute barred and I will not make any payment.

 

You will now close your file and return it to your client, cease to process all data relating to me and remove it from your records.

 

This is drafted from experience over the last 4-6 months of a portfolio of old Shop Direct accounts that are surfacing now, all those I have dealt with were either statute barred or the result of phishing exercises.

 

Send it recorded delivery.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Thank you for the replies. I will use this suggested template

 

Dear sir,

 

I refer to your companys letters dated xx xx xxxx and xx xx xxxx in which you allege I owe a debt for £xxx .xx originally owed to xxxxxxxxxxxxx, please note I do not acknowldege any debt to Debt Manager s Ltd., or any company you may claim to represent.

 

I have no knowlege of any such debt and no knowledge of your client Arrow Global and therefore accept no liability for this allged debt,you should be aware of the OFT Guidance on debt collection 2002'2012 and the sections regarding pursuing an allged debtor when it is not clear that you have the right person, also you are reminded that the onus of proof that this debt is owed by me lies entirely with A|rrow Global and Debt Managers Ltd., and it is not dor me to prove I do not owe this.

 

Having checked my credit history and credit file records I have concluded that if any such allged debt ever existed it would now be statute barred and I would not make any payment or offer of payment now or in the future.

 

For clarification: I do not acknowledge any debt or liability to Arrow Global or Debt Managers Ltd., I have no knowledge of any Shop Direct Accoun or debt.

 

Any such allged debt would now be statute barred and I will not make any payment.

 

You will now close your file and return it to your client, cease to process all data relating to me and remove it from your records.

 

 

1. Should I address the letter to the exact guy who signed their last letter or should I just leave it as 'Dear Sir' and to The DATA CONTROLLER?

 

2. Should I hand sign the letter and put my name or just type my name-last name without signing as suggested by most people?

Edited by z0nk
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1 the latter

 

2. no type

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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Yes to the Data Controller, and use any type of non decipherable signaturem just a squiggle will do, this is a data error/protection issue.

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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OK thanks I will edit and post it with my name typed as mentioned.

 

 

this is a phishing trip to catch a mug

that knows no dif than to cough up.

If it is phishing, does it mean what Debt Managers LTD is doing is illegal and they are just lying about a debt in order to get money from people gullible enough to pay?

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not illegal...unlawful.

 

well they've obv brought the debt on a phishing list

 

then phish for a mug that knows no better

 

lots of people sadly think a DCA is a bailiff!!! THEY ARE NOT!!

 

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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And deceptive, underhand and misleading also in breach of OFT Guidance 2003/2012.

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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Just another question, is it really necessary to even put my name at the end? How about if I just put 'Yours sincerely' and that's all?

To be honest just sign as you would normally, it is very very unlikely to be a problem, there are many tales of lifted signatures but in many years in dealing with debt problems I have never seen one.

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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  • 2 weeks later...

OK today I received a letter back from them. It says:

 

We are in receipt of your letter and note your comments. However, to enable us to investigate further and resolve this matter would you confirm if you are connected to or have lived at Manchester Road?

 

I have never lived at or have been connected to the road they claim.

 

How should I respond?

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BUGGER OFF YOU MUPPETS

 

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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Or to tranlate DXs excellent response.

 

Dear Curr,

 

No I have I do not have any connection with the address quoted , Now Bugger off.

 

Final Response.

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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Lol thank you.

 

Btw could I sue them for stress/harassment?

 

It's appalling how they operate and they shouldn't be allowed to get away with it.

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You could certainly seek redress for the stress and harassment by making a formal complaint and seek redress to satisfy the points of your complaint.

 

Cheaper and easier than litigation.

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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