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    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • 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    
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cabot chasing old Barclaycard debt


dizzyblonde1966
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Hi,

Just wondering if someone could help me please,

I have an account that will become stat barred in about 10 months time,

 

Its for a Barclaycard from about 2005

 

In 2008 I cca"d Barclaycard and they couldn't find the agreement, so I put the account into dispute,

 

a few months later they sold the account to one of the big debt collection agencies,

 

The debt collection company then sent me a pay up letter etc etc, I explained account was in dispute as no cca,

 

Not heard anything for a few years, and then

 

last week out of blue the debt collection company sent me a reconstituted agreement,

no signature ,no prescribed terms, no nothing just waffle and copy statements,

I don't even think its a true copy as the penalty fees are for £12,

 

Im prepared to fight them if its a winnable cause,

but was just wondering,

 

if the actual stat barred limit came into force while it was still in the court system,

does that in itself make the alledged debt unenforceable due to becoming stat barred,

or would it be classed as a claim was made prior to the time limit and therefore continue to an end in court,

 

DB x

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Have you tried to dispute the excessive charges on the account with Barclaycard to see if you can obtain a refund. Might be worth doing, as an ongoing dispute with the original creditor might come in handy if they were silly enough to go for bankruptcy with only a recon CCA.

We could do with some help from you.

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so when was YOUR last financial transaction on the card in or out

 

that will be your date

 

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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Hi Dizzy,

 

Do you have all the a/c statements to see what penalty charges were added.

 

:-)

We could do with some help from you

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Hi,

Thanks for all the replies

I will try and answer all in one post,

 

I will have to go through the statements to see if any excessive charges, there was no ppi on it, I know that for sure,

What the dca has done though is after assignment they have on a separate piece of paper added interest each month, + £12 late fee + £12 missed payment fee, is this allowed?

 

The DCA is Cabot,

My last financial transaction on the card was in June 2008, the last payment was also June 2008

 

DB x

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so june 2014 will be the SB date.

 

crapbot can add what they like

 

those charges are unlawful anyhow

 

poss phone BC and ask then when your last payment was?

 

how much is this debt?

 

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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Share on other sites

so june 2014 will be the SB date.

 

crapbot can add what they like

 

those charges are unlawful anyhow

 

poss phone BC and ask then when your last payment was?

 

how much is this debt?

 

dx

 

The debt is for just over £9000

 

The last payment was definitely in june 2008, I also have the sar which confirms this.

 

Is a reconstituted copy with no personal details or signature worth fighting on its own,?

 

DB x

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hat does your CRa file say about this debt?

who listed as the owner and what is the defaulted date?

 

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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Share on other sites

  • 2 weeks later...

Sorry for delay in replying

 

I havnt got access to my credit file at moment,

but the account was defaulted and terminated and in 2009

,(I have the default notice, and its not given enough time to remedy, only 13 days after service )

 

The account was sold to cabots in 2010,

 

I told cabots in 2010 it was in dispute,

its took them until now to produce a reconstituted agreement,

 

ive just had a re look through what they have sent and they have sent a reconstituted copy from 2003 when the account was opened,

and a reconstituted copy from 2008,(don't know why they have sent 2)

but neither of the reconstituted copies have any of my details on, no name , address or signature etc ,

just photocopies of the terms and conditions etc

 

Any advice on where to go from here, is it a fightable/winable case if they issue court proceedings?

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Hi DB,

 

Can you post up a copy of the Recon Agree't. See the guide at post #122 here and post as a PDF - http://www.consumeractiongroup.co.uk/forum/showthread.php?214191-HSBC-solicitors-northampton-claim-help-pls&p=3808613&viewfull=1#post3808613

 

We can advise better when we see what you've been sent. Arguments about non-compliant DN are not considered to be as strong now as they were in the past.

 

:-)

We could do with some help from you

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Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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Sorry for delay in replying

 

I havnt got access to my credit file at moment,

but the account was defaulted and terminated and in 2009

,(I have the default notice, and its not given enough time to remedy, only 13 days after service )

 

The account was sold to cabots in 2010,

 

I told cabots in 2010 it was in dispute,

its took them until now to produce a reconstituted agreement,

 

ive just had a re look through what they have sent and they have sent a reconstituted copy from 2003 when the account was opened,

and a reconstituted copy from 2008,(don't know why they have sent 2)

but neither of the reconstituted copies have any of my details on, no name , address or signature etc ,

just photocopies of the terms and conditions etc

 

Any advice on where to go from here, is it a fightable/winable case if they issue court proceedings?

 

Sorry I don't have access to a working scanner at moment,

But there are 13 pages , its all just terms and conditions, there is no copy of an application form or anything like that, just pages upon pages of written terms and conditions, including the interest rates etc

DB x

Edited by slick132
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can you not use a camera?

 

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all monetary figures and dates.

*********************************************************

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

try www.pdfescape.com TO BLANK STUFF,

*************************************************************

or

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

 

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice dd-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

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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Hi Dizzy,

 

If all they have sent is generic paperwork with no personal credit agreement or even an application form, that is not a good basis on which to make a court claim and you have every right to defend.

 

As ever, the success of your defence will depend on how well you prepare but, if it goes to a court hearing, it's also down to the judge on the day.

 

:-)

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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Hi Dizzy,

 

I'm just reading through a very long Cabot thread. I haven't finished yet, but one of the comments is that they tend not to go for people who keep playing letter tennis with them.

 

I'll finish it tomorrow, but you can certainly start by telling them that they must provide a copy of your agreement. I'll come back to you on that tomorrow.

 

DD

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set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all monetary figures and dates.

*********************************************************

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

try www.pdfescape.com TO BLANK STUFF,

*************************************************************

or

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

 

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice dd-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

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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Share on other sites

Hi DB,

 

Further to my comments above, if they have sent nothing that is personal to you or signed by you, we really don't need to see it.

 

Practice scanning and posting documents if you want but I doubt we need to see what they have sent you so far.

 

We may need to see other doc'ts if they take further action.

 

:-)

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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Hi DB,

 

Further to my comments above, if they have sent nothing that is personal to you or signed by you, we really don't need to see it.

 

Practice scanning and posting documents if you want but I doubt we need to see what they have sent you so far.

 

We may need to see other doc'ts if they take further action.

 

:-)

 

Ok thanks,

 

On the covering letter they sent with the reconstituted terms and conditions, they claim they have now satisfied my cca request and its now enforceable,

 

Should I just ignore them, or should I respond back telling them they havnt yet sent me a signed copy of any cca/agreement .or anything bearing my signature to produce in court if they issue proceedings,

Is there anything I need to be doing at this stage, just so there is a paper trail if it does go to court?

 

Thanks

DB x

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I'd write to them saying that, until they supply a copy of the credit agreement signed by you, you are unable to make payments.

 

Have you managed to work out exactly how much has been added to the a/c in penalty charges, either by BC or subsequently by the DCA.

 

These can be reclaimed in full to reduce the balance.

 

:-)

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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I think your letter should refer to the Waksman judgment in Carey v HSBC, paragraph 234 (4) which states that where an agreement has been varied a copy of the original agreement must be supplied.

 

Also tell them that under the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR 2008) they have an obligation to advise you if they hold the original signed credit agreement and they are equally obliged to tell you if they hold no such agreement.

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