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    • woe SLOWDOWN>   your defence is weeks away. (day 33) no there are no templates as each claim is unique. however, if you use our search top right. for say claimform card you'll see numerous versions people have adapted based upon our std holding/no paperwork defence , one of which, might well be suitable.   get CCA/CPR requests running monday and get AOS done now on mcol, you've already lost 10 of your 19days to do AOS   then get reading up as i detailed above the more you read here the stronger we become   dx      
    • Thanks   Is there any good templates that can be modified for the defence?
    • is this letter entitled letter of claim? and comes with a reply pack?   please scan up your original agreement to ONE multipage PDF read our upload guide carefully 
    • pop up on the MCOL website detailed on the claimform. [if mcol is not working return after the w/end or the next day if week time] .  register as an individual on the Gov't Gateway Site  note down your details inc the long gateway number given, you might need it later.  then log in to the MCOL Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform .  defend all  leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit MCOL. .. get a CCA Request running to the claimant https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/ .. Leave the £1 PO unsigned and uncrossed . get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant] ... .[use our other CPR letter if the claim is for an OD or Telecom Debt] . https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . on BOTH type your name ONLY Do Not sign anything . you DO NOT await the return of ANY paperwork  you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count] ..............  
    • The agreement started 11/02/2019  for 47 monthly hire payments   Threat-o-gram : We are instructed on behalf of Hyundai Capital UK Limited T/a Hyundai Finance Contract Hire.  This is inaccurate, as on my hire agreement it says - Owner Santander Consumer (UK) plc trading as Volvo Car Financial Services. Hyundai must be who this other persons agreement is with.   The only will is: Should you fail to make payment of the outstanding bablnce of £5,000, or alternatively provide realistic payment proposals within the next 30 days, we are instructed to issue County Court proceedings against you for the balance outstanding. Such proceedings will also include claim for costs.   Yes I still have my agreement. 
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Rossendales DCA Threat Letter on Legal aid 'debt'- SCOTLAND


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PDF please

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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https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/540740/criminal-legal-aid-manual.pdf

 

 

page 13 here makes interesting reading ..not.

 

 

its rather misleading that they don't clearly state

and neither do the rossers [ I wonder why!!]

that this is a debt collection agency

and NOT their bailiffs wing

 

 

powerless to do anything

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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https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/540740/criminal-legal-aid-manual.pdf

 

 

page 13 here makes interesting reading ..not.

 

 

its rather misleading that they don't clearly state

and neither do the rossers [ I wonder why!!]

that this is a debt collection agency

and NOT their bailiffs wing

 

 

powerless to do anything

 

Why do you want it in PDF?

 

So I just ignore then?

 

I thought as much but wondered why they suddenly wrote a letter after so many ignored phone calls over the last couple of years. If they do decide to take action through the Scottish sheriff court will I be informed beforehand?

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they cant

they are a DCA

only the OWNER of a debt can do court remember

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 months later...

I still get about 2-3 calls a week but my phone automatically rejects them and they leave a message on my voice mail which I just delete. I wonder if there is a human being calling me or an auto dialler?

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  • 2 months later...

I have lived in Scotland since 2008.

 

 

In 2013 I received legal aid for a court case in Manchester which I lost.

 

 

A few days after the case I received a threatening letter from Rossendales debt collectors based in England demanding payment of £500.

 

 

The threatening manner of the letter was unnecessary and I called them to ask who they were as I thought I would pay the legal aid agency.

 

 

Their attitude upset me so I took advice and during this I learned from this site that I shouldn't pay any money to Rossendales I should in fact ask the LA agency to take the debt back and pay them directly.

 

I contacted the LA but they refused to take the debt back.

At this juncture I should mention there was some confusion as the LA agency had cocked up with mistaken identities and sent me someone else's debt for 9K.

 

 

I was confused as Rossendales asked me for £500 while the LA agency asked me for 9K. It took quite a while to sort out as the LA agency I found out really are quite incompetent.

 

I received numerous calls a week from Rossendales.

When I answered there was no one on the other side of the line so I hung up.

This went on for a few weeks until I blocked them as they were calling me while I was at work and meetings.

 

 

To this day I still receive automated responses on my voicemail which I ignore.

 

I have no problem paying but I won't pay Rossendales and the LA agency won't take the debt back so I'm in a quandary.

 

I've been informed as it's a government debt it won't be time barred so this could go on forever or if they decide to take court action.

 

Recently I've been watching 'The Sheriffs are coming' on YouTube.

I know this is based in England and English law but it's made me wonder what action they could take up here.

I'd hate for them to take the Scottish equivalent of a high court writ and come knocking on my door unexpectedly and seize goods.

 

Is this possible in Scotland?

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I always understood the LA always placed it as a legal charge if you own your own property

We could do with some help from you.

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panicking about nothing again Argyll..

 

threads merged,

 

if you pay attention properly to the cases on ch.5.

you'll see they are all business debts

 

theres nowt anything any trumped up HCEO can do on a govt debt.

 

ignore

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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what acronyms

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
I always understood the LA always placed it as a legal charge if you own your own property

 

I don't understand what you mean. What are the implications?

 

A legal Charge /Restriction on your property to secure the debt.....the Land Registry?

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 The National Consumer Service

 

If you want advice on your Topic please PM me a link to your thread

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No they didn't do that. They tried with the 9K debt that wasn't mine but I disputed it. I never signed into that agreement.

 

I thought I would post on here to get someone's opinion from Scotland.

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yes I did think that after seeing you'd viewed it on youtude

 

 

DCBL are High Court Enforcement Officers

gov't don't use them..

they don't need too.

 

 

which is why its strange they haven't taken the option available to them

as andy points too if they were that confident they are correct in you owing this money.

 

 

as you've already done by cleverly questioning them

you've seen that they made a mistake before

whats to say this is not another one.....urm...

 

 

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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