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    • Hi Dx, I have only just started helping them yesterday, all the complete so far has been done by my son in law. I am just getting all the correspondence together and make a full list later
    • Hi Scourge of Ryanair,   Thanks for your support. As I said, the case is in limbo at the moment until court services get back to "normal".  I am happy enough with this.  I never really got a satisfactory reply back about the ESCP but because I can enforce any judgement in ROI I am happy to  continue with my current action.   I am all prepared for any hearing and feel I have a good case.  I am looking forward to completely sidestepping Ryanairs defence of bad weather etc. and focussing on their failure to provide the transport, as propmised, to the new departure airport.  I have many witness statements from fellow passengers and news reports to back this up and also Ryanairs own flight data showing only 10 passengers made the flight.
    • Latest letter attached, I take it that is not a formal letter before claim and should be ignored? eps-25-11-20.pdf
    • In terms of your letter of claim, you've asked us to remove some information – but you have put it up and it's not that critical it's simply bad practice and so we will be leaving in place. It's highly unlikely that the company will stumble across this thread – and anyway no great harm done – but there is no point in spelling out in a letter of claim every detail of the evidence you are going to be relying on if it goes to court. In terms of referring to mediation, it's not up to you. It's up to them. Once again you want to play your hand before it is necessary. Do not do it. Let them make the decisions. They probably will opt for mediation as part of the court process – and then you can simply accede to that. A letter of claim is not the time to start stating this kind of stuff. You come here for advice and I suggest that by and large you follow our advice. In terms of just keeping part of the contract – the frames – as long as you are sure that another supplier would be prepared to supply the glass which is absolutely appropriate for those frames. However, I should warn you that mixing your suppliers like this can eventually lead to problems because you are giving both parties a means by which they can pass the buck onto the other party. This really can get complicated – if the frames fail and the company with which you've already fallen out, then decides to get their own back and they say it is the glass supplier. The glass supplier may well turn round and say no it's the frame supplier – and you are left in the middle and you will have a difficult problem including maybe having to pay for an independent assessment to ascertain whether liability lies. In my view its most ill-advised. You have an opportunity here to predicate your rejection on the fact that you had a single contract and the glass and the frames are supplied as a job lot and the defective glass means that the entire contract is subject to rejection. However, it's up to you. Furthermore, if the frames fail within a particular time, apart from the problem of passing the buck to the glass suppliers, you may find that the frame suppliers are quite reluctant to do any further business with you because they will have long memories. If you really think that after this litigation the frame suppliers will be prepared to continue with you and to supply the glass that you need, then you need to be very certain. Of course they may be very pragmatic and business minded and mature about their dealings and be prepared to supply you with the glass you need with perfectly goodwill and professionalism. However, you shouldn't bank on it. All it needs is one individual within the organisation start feeling that the whole thing is some kind of personal rebuke against them are you are you are you are you you are a you are you you are you are you are a you you are a you.   Anyway, that's my two pennies worth. I think you should follow our advice in terms of legal process and the letter of claim. The rest of it is to how you deal with your windows is simply a bonus for you.
    • Perfect thanks for the reply and apologies for the marker Pen, I thought I had covered it off.    So to clarify, I just ignore this letter and no response is necessary?   
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Rossendales DCA chasing old legal aid 'debt' **WON!! revolked/cancelled**


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deal with legal aid directly

 

forget the rossers.

 

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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Thy also cant add on interest unless it states so in the original contract

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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I telephoned Legal Aid today to ensure any action was on hold whilst the matter resolved,

 

they have said that the figures are based upon the value and the mortgage remaining on the propery now rather than at the time of application.

 

Is anyone able to confirm that this is correct as I was under the impression it was from time of application.

 

LA have also said that payments/payment plans etc have to be made with Rossendales.

 

Rossendales charge a fee with each payment, which will add to the 'debt'

 

Will Rossendales expect an income and expenditure list

 

and for us to make an offer or do they set what we have to pay?

 

many thanks

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rubbish

 

tell them you want to pay direct

 

ask them to show you where it says a DCA can ADD anything to a 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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  • 3 weeks later...

I havent had a reply to the letter I sent to Legal aid so telephoned them today.

 

The .gov site states that the capital contribution order is based upon the time of application.

(it also says the order will be made within 6 months of the case ending, it was 38 months after conculsion when I got the letter)

 

I telephoned Legal Aid this morning and quoted the relevant section to them,

they have said 'regulations state they can assess at any time'

They have also said that they have no facilities to take payments and we have to pay Rossendales direct.

 

If we can eventually come to an agreement with what I apparently 'owe'

I would have to make monthly payments and I would want to pay them

and not have to pay the additional charges added by Rossendales for paying by debit card monthly.

 

Would anyone be able to help with how to word a letter to state that I would offer a monthly payment of £x

and that I dont want to pay Rossendales or the addditional charges they add.

Will I have to send Rossendales an income/expenditure form.

 

many thanks

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I have received a letter today from Leagl Aid, confirming that they can assess the value of the property whenever they want.

Thy acknowledged that its been dlightky longer than the 6 months to send out the order following the case (38 months)

it seems like there is absolutely nothing I can do about them sitting and waiting till the house has increased in value/the mortgage has reduced.

 

Im reluctant to pay Rossendales but legal aid insist I cant pay them direct

 

 

-any advice on how to pay them, Rossendales charge a fee to pay monthly by card

 

Im going to struggle to pay this back so dont want to be paying additional fees.

 

many thanks for your help.

Edited by Dandilion112
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I think you need to ask them to point out to you, specifically, where in the regulations it states that they can assess whenever they want ?

 

I think it might be in your interest to seek the advice of a solicitor - quite a few of them will give you a reduced rate for the first hour, I think ? Citizen's Advice Bureau should be able to point you in the right direction.

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

 

Uploading documents to CAG ** Instructions **

 

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3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

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2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

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.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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You might be able to get free advice from the following.

 

http://www.lawcentres.org.uk/

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

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

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

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

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.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Many thanks for your help. They said 'regulation 34'! Unfortunately there isnt a law centre in my area that will help- the only one said they cant help as only deal with immigration and employment law.

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  • 2 weeks later...

I wrote to Legal Aid stating that whilst I did have equity in the property

I was unable to access a portion of it to pay in full.

 

I stated that I could offer a monthly payment but was unwilling to pay Rossendales a monthly admin fee.

 

LA have written back saying they are unable to discuss payment /payment plans

and we have to deal with and make offers to Rossendales.

 

Surely LA as 'owners' of the debt can say they accept the offer??

 

What should I do next??

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  • 2 weeks later...

Hi

 

After a few letters going back and forth between LA and myself

 

I asked for them to supply me with a copy of the legal aid application form they kept referring to.

 

LA stated Rossendales had it.

 

Rossendales stated the court had it,

 

crown court failed to respond to my requests for a copy.

 

No one seemed to be able to tell us the date we applied or any information contained within the form I signed.

 

Very long story short...

 

... I received a letter today to inform me that an error had been made

and the capital contribution order has been REVOKED!!!

 

Thank you for the helpful advice feel like a huge weight has been lifted.

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hey very well done

 

i'll mark the thread

 

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... 

 

 

Link to post
Share on other sites
Hi

 

After a few letters going back and forth between LA and myself

 

I asked for them to supply me with a copy of the legal aid application form they kept referring to.

 

LA stated Rossendales had it.

 

Rossendales stated the court had it,

 

crown court failed to respond to my requests for a copy.

 

No one seemed to be able to tell us the date we applied or any information contained within the form I signed.

 

Very long story short...

 

... I received a letter today to inform me that an error had been made

and the capital contribution order has been REVOKED!!!

 

Thank you for the helpful advice feel like a huge weight has been lifted.

 

Excellent news, did they say what the error was ?

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

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

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

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

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.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Share on other sites
:thumb:

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

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

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

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

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.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 3 years later...

Thread is 4yrs old

You won't get seen here

Please start a new thread

Of your own

 

Dx

Thread now closed to stop newbie bumping

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... 

 

 

Link to post
Share on other sites

Please note that this topic has not had any new posts for the last 1009 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

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