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    • wont go near it with a barge pole as its ex gov't debt.  
    • Thanks, I've had my fill of this lot. What makes me so mad is that I had to take out student loan to get any DHSS help. And then when I tried to help myself and family they presented obstacles. Might be worth passing story to RIP off Britain?
    • there is NO exposure if you simple remove your name address/ref numbers etc from docs, over 10'000 pdf uploads are here. which then harvests IP addresses off of the people that then do so..which is why we do not allow hosting sites. read our rules and upload carefully thats exactly why we say capture as JPG, redact, then convert/merge to one mass PDF. then online sites to achieve that we list do not leave watermarks.  every once in a while we have a user like you that thinks they know better...we've been doing it since 2006 with not one security issue. thank you.
    • was at the time you ticked it  but now they've still not complied . if you read up, here , you'll see thats what everyone does,  
    • no they never allow the age related get out, erudio are masters at faking supposed 'arrears' fees which were levied before said date and thus null its write off. 1000's of threads here on them!! scammers untied that lot. i can almost guarantee they'll state it's not SB'd too re above, but just ignore them once sent. dx    
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse 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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barclaycard debt sold to Lowell - chasing BC debt


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Hamptons are 2 desks down from Lowells, Red separate them, I've had them all then surprisingly after Hamptons Lowlife write back with a 50% off offer

I know my rights Mr DCA I'm with the CAG......hello hello where you gone Mr DCA8)

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damn ignorant of them, I am awaiting a few offers from CABOT as they bought a 1992 lemon from YB,,,, requested in August for CCA they admit they can't find it but are still looking. I have told them to look long and hard as I know I did not sign one it appeared on me doorstep one day with a £500 credit limit... they even sent me a £1.00 cheque back as they said it was applied to my account and wait for it, they are still awaiting YB to retrieve from archives hmmmmmmm now it started off at £1,940.00 and in four months has risen to £2,030 good little number for them... ha ha ha even had the letter saying they can't enforce but they can still collect hmmmm work that one out. You can ask away don't care about my credit record have lived without credit four three years and guess what, NO PROBLEMO.... SO PLEASE OFFER ME A FULL AND FINAL,,, MY STARTING POINT..£20.00

[sIGPIC][/sIGPIC]Happyhippy1959

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Tell you'll pay the 2.5% if they will clear all records and files and

not sell tjhe 97..5 % balance!!!!!!!!!!!!!!!!!!!!

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

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  • 3 months later...

Had his letter today from Debt Managers LTD:

 

Account due to: Lowell- barclaycard

 

Your failure to make an offer of repayment has resulted in your account being passed to this department do assessment, after which court action may be recommended. As an alternative to us recommending legal action you may pay sing the attached giro or you can phone and pay by debit or credit card. Blah blah

These clowns have been sending me letters for months trying to get money off me. All have web used as bog roll! Another scare tactic?

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Emailed them this but there not playing :(

 

Thank you for your recent ifs and maybes letters. The contents have been noted, reportered to the relevant authorities and then recycled as bog paper.

 

I will not be paying you a penny nor will I reply or call you. You will not take me to court. You are fully aware this alleged debt is unenforcable. Unfortunately for you I work in a solicitors :D

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  • 2 weeks later...

Latest letter, not heard of this lot before.

 

We are advised by debt managers ltd that your account is being assessed and they may recommend the above creditor to consider initiating legal proceedings to recover the outstanding balance.

 

If court action is taken and a county court judgment is successfully obtained, any associated solicitors fees and costs incurred would be added to your balance. In addition your credit file would be updated to reflect details of any judgment obtained and this may seriously affect your credit rating.

 

Pay now erc etc etc

 

No further intimation (shouldn't that be intimidation?) will be sent to you from russel aitken in this respect and this letter should receive your immediate attention. If court action is not taken and you fail to respond to debt managers ltd, your file may be passed to debt managers ltds investigation bureau or doorstep agents.

 

???

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Oh and I think they have already been coming round. Everyone who knows me knows I do nOt open my door I less I get a txt or call. I've had someone knocking once 3 times in one day 7am, 1pm and 11pm. Ive a feeling it's lowlife.

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Oh and I think they have already been coming round. Everyone who knows me knows I do nOt open my door I less I get a txt or call. I've had someone knocking once 3 times in one day 7am, 1pm and 11pm. Ive a feeling it's lowlife.

 

I doubt it. Most of the debt companies doorsteppers are self employed and they would not bother to come around 3 times in one day. They would leave a card, if you have a letterbox.

 

I suspect it is someone seeing if you want to change energy supplier or double glazing. They tend to work in an area all day for one day only and try to see every householder. Having said that 7am is a bit early for these. It could be a process server trying to deliver a statutory demand. If this is the case, they will try again and if no joy, post it to you.

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I doubt it. Most of the debt companies doorsteppers are self employed and they would not bother to come around 3 times in one day. They would leave a card, if you have a letterbox.

 

I suspect it is someone seeing if you want to change energy supplier or double glazing. They tend to work in an area all day for one day only and try to see every householder. Having said that 7am is a bit early for these. It could be a process server trying to deliver a statutory demand. If this is the case, they will try again and if no joy, post it to you.

 

I've not had anyone turn up for a few weeks. No cards left no letters etc apart from the threatograms!!

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U can tell its just huff and puff when they start the sentence with IF. DCA's reminds me the the 3 little pigs story but us in CAG are in the house made of bricks. So they can huff and puff all day long we know the law

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U can tell its just huff and puff when they start the sentence with IF. DCA's reminds me the the 3 little pigs story but us in CAG are in the house made of bricks. So they can huff and puff all day long we know the law

 

I'm going to sar them anyway!!

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  • 2 weeks later...

Thankyou for your recent request under section 7 of the data protection act.

 

We would like to clarify that the data you will be provided will only relate to the original account purchase details and the subsequent I formation held by our company from our dealings with you.

 

The subject access request will not include information held on the account by the original creditor prior to the sale of the account . For that you will need to make a deprecate request to the original creditor with a 10 fee.

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Who did you send the SAR to, if it was a DCA not the original creditor

what they have said is correct, and is what you must do.

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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