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    • going nowhere then. well if you've not been simply doing it to look the big cheese to your mates, you need to address why you are doing it. if its to impress your mates then simply stop being an idiot eh? , learn from it and go live your life . dx
    • Yes only with dwf. The first letter I received was explaining that I have not responded to the first letter they sent which I did not receive at all  then the second letter came, they said again saying we have not heard from you we are extending this another 14 days but at that point a couple of days before I called them on the phone saying I have received this and supposedly i owe money for stolen goods and that I need to see the breakdown which they then emailed to me dwf said this was what we were trying to send to you at first and I told them we have not received your first letter only one asking for demand of payment. On my second call to them I asked can you list the things that I have supposedly stole to which they replied “we normally have this on file but I can’t seem to find this on your file”   
    • oh well, at least your eign of terror is over now. so no contact directly since from/to sainsbury's. everything since has only been with DWF?
    • Replying to above  this was on the day that two store detectives approached me and my friend and took us into the back room and spoke to us when they explained they have been watching
    • as my learned friend above...and.. sadly because just like DCA's and initially yourself in this case, you believed they have some magical powers ...they DON'T. 85% of people blindly pay DCA's cause they know no better and think they are BAILIFFS. only the RETAILER can ever do court and none have done this on a silly member of joe public that did something stupid since the infamous 2012 Oxford case on retail loss. BAILIFFS can only ever be involved after you've been to court and lost a CCJ, fat chance re above... and anyway, no BAILIFF has any right of forced entry anyway on consumer debts even with a judgement so......... stop panicking and thinking everything that doesn't apply.. forget about them but p'haps a confidential GP visit might be a very good move... what slightly concerns me more here is:  who are 'them' that told you they'd reviewed a week of CCTV and come up with several shoplifting instances over that time amounting to the above? have you directly contacted or had contact from Sainsbury's? and know they HAVE done this? or is this DWF willy waving and they tricked you into  admitting several previous successful thefts... this is not the norm...  dx      
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Provident debt... agent dishonest?, can i take them to small claims court. ** SETTLED OUT OF COURT **


shooter67
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You can start your claim on line by using MCOL (Money Claim on Line) shooter.

 

Don't submit your claim just yet until I have had time to look and consider and propose a possible P.o.C.

 

Regards

 

Andy

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Thanks, i know this as i have replied to this letter ( please see my other attached files), but i do not know what action to take next, as the 14 days i gave in my letter before action ( attached file, pr5 ) has now ended, i have had no reply from Provident, only a letter from their collection agency requesting full payment within 14 days.

Please someone advise me as to which course of action to take next, thank you. Sorry, but unfortunately the files below have not uploaded in order, please view in order 1 to 5.

 

 

Hello shooter67

 

Downloaded your attachments here and reviewing/perusing the same, revert to you in due course thereon.

 

Kind regards

 

The Mould

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The letter dated (do not know date) from Provident demandingfull payment of outstanding payment is a clear and unequivocal termination ofthe extant agreement between you two parties to the same, this actuallyconstitutes repudiation thereof by provident which provides you (as the innocent party) with a remedy under Englishcontract law for their fundamental breach of contract, that remedy being anacceptance by you of their said repudiation of contract, thus, rendering thesame as abandoned, therefore, your obligations thereunder are discharged.

Put the above to provident and await their response to the same. It appears that their agent is dishonest,provident are, as a matter of law (English law, that is),legally responsiblefor all and any actions/decisions undertaken by their agents.

Kind regards

The Mould

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You can start your claim on line by using MCOL (Money Claim on Line) shooter.

 

Don't submit your claim just yet until I have had time to look and consider and propose a possible P.o.C.

 

Regards

 

Andy

 

ok will wait til you get back to me, thank you.

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You can start your claim on line by using MCOL (Money Claim on Line) shooter.

 

Don't submit your claim just yet until I have had time to look and consider and propose a possible P.o.C.

 

Regards

 

Andy

 

Godzilla andy:-)

 

Kind regards

 

The Mould

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Sorry to sound stupid, but could you please explain what this means, as i'm not too sure, & i dont want to make myself look stupid by sending something to them that i cant explain in court. Thanks.

The letter dated (do not know date) from Provident demandingfull payment of outstanding payment is a clear and unequivocal termination ofthe extant agreement between you two parties to the same, this actuallyconstitutes repudiation thereof by provident which provides you (as the innocent party) with a remedy under Englishcontract law for their fundamental breach of contract, that remedy being anacceptance by you of their said repudiation of contract, thus, rendering thesame as abandoned, therefore, your obligations thereunder are discharged.

Put the above to provident and await their response to the same. It appears that their agent is dishonest,provident are, as a matter of law (English law, that is),legally responsiblefor all and any actions/decisions undertaken by their agents.

Kind regards

The Mould

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It means, if the creditor has abandoned a contract that you are honouring under a live agreement with him, then you can also abandon your obligations under the same contract.

 

It would apprer that the agent in this matter is dishonest as to to the entries made by him in respect of the payments made by you, therefore, you have legal grounds (justification) to challenge his unlawful actions.

 

Kind regards

 

The Mould

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  • 4 months later...

This is very good news indeed. I have amended your thread title to show this has been resolved.

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Uploading documents to CAG ** Instructions **

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Dealing with Customer Service Departments? - read the CAG Guide first

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Well done shooter...delighted that this has been resolved.

 

Regards

 

Andy

We could do with some help from you.

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  • dx100uk changed the title to Provident debt... agent dishonest?, can i take them to small claims court. ** SETTLED OUT OF COURT **
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