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    • you need to ring northants bulk and ask for a copy of the judgement and the claimform by email pdf. it is quite usual for them to not have a copy of the claimform. so you need to record the call and ask them to read out the particulars of claim and the address it was sent too.     old wives tales , if you have a debt owing that shows on your credit file or you know exists from say the last 7yrs you should NEVER move without WRITTING to the debt owner with your new address. never run from debt which falls within the above .     all mortgage style SLC loans that were not deferred with erudio following the gov't sale in 2013 and that did not have a court claim raised within 6yrs are SB'd.   drydens simply did this because they wrote to your old address, got no response, and knew they'd get a default roboclaim CCJ where no human checks anything.   shot yourself in the foot.      
    • yep.   if all these are still owned/with the original creditors and you are not paying any powerless DCA's  then little point in any CCA requests at this stage unless any (non OD A/C's) are say pre 2000 opening.   our pro rata letters are the way to go you'll find those in the debt collection section of our library.   get any income payments on going or otherwise moved into a parachute A/c.   it is most probable that whatever you do most A/c's will be defaulted once this is done if not already. bearing in mine your wish to re mortgage or move in a future, it is most probable that the quicker you do default , the earlier a DN will be registered thus the earlier these will not show following their 6th birthday. this might involve you thinking about stopping all payments now ensuring this does happen, then resuming payment under a pro rata scheme self administered , once this happens.   just be aware that no DMP providers will ever question enforceability, should that be relevant.     
    • LL would have Absolutely no chance of getting the smart meter changed back.....
    • slow down ...read what i'm asking , stating and trying to clarify.. it all might seem useless or totally irrelevant but it's important information moving forward with the whole situation and useful in the SPC claim moving forward     there was not 2 loans - the litigated OD is not a loan but it appears from your comment here..     sorry but then you did get scammed on many fronts... they allowed you to settle the loan exploiting your confusion over thinking it was the litigated account. they didn't tell you either and they would also have been aware of your statement filed response form:   The respondent had a junior account with the Bank of Scotland since a young age.  The Bank of Scotland offered the Respondent a loan of around £2500. This Respondent serviced the loan until losing her source of income and ran into some financial difficulty resulting in defaulting in servicing the loan.   they settled for a discounted sum... why? we usually find this is because they hold no enforceable paperwork at all. or was full of charges , charges could have been the discount or it could have been due to 'a business decision' ...   but sure as eggs is eggs there is no way 1st credit would not have raised a court claim for both the OD and the loan unless there was a very good reason. they didn't that smells...badly.   OD 's are notoriously difficult to litigate upon if defended properly...but with a loan in the same claim, with enforceable paperwork, they would have almost been guaranteed to win.   it's also a shame you didn't come where before you did anything but we are where we are.   now the above might seem harsh..even petty but our posts are not only for you and your issue they are also for future readers that find us via search engines or read like threads here alerting debtors to frequent pitfalls and innocent wet myself actions many do that all these dca's will and have exploited time and time again over the last +40yrs .   i'll try and get around to properly redacting all your pdf's tonight and get them back up. but before i finish and get on with the above........the status of the claim as it stands now.   From what i can gather the claim now hinges upon proving her ex at the time settled by a discounted payment to HBOS well before the sale to Intrum and the SPC Claim.   In all honestly and with regard to your comments in your previous posts upon his character, i seriously doubt this ever happened. the disclosures from Intrum contain all the OD statements , should that have happened, it would be detailed in those.   there is little point in the claimant hiding that info as they would be in far more legal trouble should they have doctored them than insuring a mere +£1k claim win. Even 1st credit wouldn't pull such stunts.   Sorry but there is little point in requesting HBOS to attend any future hearing, nor hoping the SAR shows anything different to the statements the claimant has disclosed . That will cost you more money , and more money in terms of the claimant attending another hearing.   there is one exploitation i see. that being the mention of a default notice. the claim states:  The respondent fell into arrears under the Finance Agreement. A Default Notice was Issued by the Original Creditor .   now default notices are not issued for OD A/C's (which ties in to the possible loan confusion and scam settlement i mentioned) . This tallies with a common mistake that many DCA's, including why i keep mentioning 1st credit, which is the previous name for Intrum, made on numerous claims and was one of the reasons for the name change. To Hide that They lost many Statutory Demand and court claims over the non existence of a DN or proof of it's issuance by the OC (a DCA can't issue a DN) .. No copy of a default notice is fatal to to successful  litigation.   even though in this OD case one was not ever needed. (Poor particulars of claim showing copy and paste, and never expecting a claim to be defended but responded to by a wet themselves response , which you did by settling a loan which you believed was the claimed debt when it never was)    other than that you indicate you made an OOC F&F offer in 09-20  have you advanced this option since ?   dx
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

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Sorry, why was the text in my previous post edited so as to include lots of line, whereas before it was in the paragraph form that I wanted it to be?

 

No idea at them moment. What I can say from my own experience, I find it very difficult to read a whole block of text and I do edit some posts to make it easier for me to read and to possibly help others to read it too. this is not a slur against you but to help the wider forum users.

 

Apologies if you feel that was unwarranted.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Yes..we sometimes edit huge blocks of texts as 1) They are difficult to read and 2) It puts people off reading them and they are likely to skip it.

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I just reread it last night and didn't recognise it as something I just wrote, I thought someone had hacked into my account or there was an error or something as it was edited so much it looked liked poetry or song lyrics or something!

 

Maybe I could have paragraphed it a bit more, but the way it was restructured was waay over top. I'll be more careful to structure my posts better, but I'd rather people didn't edit them for me if it's all the same:-)

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Maybe I could have paragraphed it a bit more, but the way it was restructured was waay over top. I'll be more careful to structure my posts better, but I'd rather people didn't edit them for me if it's all the samesmile.gif

 

Your choice, but you will get more advice if you make your posts easier to read for the advisers.

 

HB

Illegitimi non carborundum

 

 

 

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  • 4 months later...

It's been pased down to a debt collector who just sent me a letter. (BPO)

 

They stated that 'the outstanding liability..... we understand is not disputed'.

 

Of course they understand wrong, and the probably know this. Do I have to print off another letter and send it? Or just ignore them?

 

I'm curently in favour of the latter.

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It's been pased down to a debt collector who just sent me a letter. (BPO)

 

They stated that 'the outstanding liability..... we understand is not disputed'.

 

Of course they understand wrong, and the probably know this. Do I have to print off another letter and send it? Or just ignore them?

 

I'm curently in favour of the latter.

 

 

No liability or debt is acknowledged to you or your clients

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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Ignore totally. Or send a simple letter. If they ignore the letter report them. If theg continue to contact you consider legal action.

 

Jackie only uses low end dcas who operate a no win no fee policy. Thats how desperate her company is.

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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No liability to anyone as no debt exists and has never had done

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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Can I say those exacts words to the two gorillas who turn up at my door and then shut the door in their faces?

 

I was just thinking about pretending I don't live here. They are still spelling my name wrong as well.

Edited by beerpunk
oops I said on not in, typo gives the sentence a whole new interp
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Nobody will turn up. If they do, simply tell them to sod off and walk away. You dont even have to answer the door. They have no rights at all. If they refuse to leave, call the local police.

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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RLP do exist. The DCA's they use exist as well, but they only deal in 100% unenforceable debts/invoices that NOBODY else would even go near.

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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  • 1 year later...

Thought this had gone away forever. Last letter I received was about a year ago?

 

Anyway just recieved a payment demand letter from Capital Resolve. Has anyone else had this?

 

I noticed a different security company is now operating in Tesco as well, can't remember what they are called though.

 

I did a search for Capital Resolve on here and I can see they are DCA who specialise in pay day loans and take on debts that they know pretty much they don't have a leg to stand on with so I'm guessing they're trying it on.

 

I shall ignore.

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Hi

It has been a while hasn't it. I would think RLP are going over some old cases and trying it on again by getting a pet debt collector to chase.

 

Ignore? Yes!

 

Can you post up a redacted copy of the letter. I would like to add it to my collection.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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I'll get that posted up soon.

 

 

The funny thing is I was in there the other day with a printer I just bought from PC World and it set the alarm off on the way out, I showed security the receipt and everything was fine. But then this?

 

 

Anyway, as you quite rightly state of the legalities... face, bovvered and that.

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  • 4 weeks later...

Sorry busy and that. Too much. I got a new printer scanner and I'm having difficulty getting it to scan. So here's a redacted photo version.

 

In between days they sent me another letter bargaining for half the original demand. I laughed and then went and made a cup of tea.

cap res letters.pdf

Edited by dx100uk
letters converted to pdf - dx
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When you scan it, can you please convert it to a pdf. This allows us to zoom in and see the letters better.

 

From what I have read in those letters, I come to the only conclusion I can and of course any comment by me is my own and not official advice :-D

 

Carry on ignoring. They can recommend any potential action they choose but cannot insist on it. This is a no win no fee type of letter so it is in their interest to get a reaction from you.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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RLP on behalf of..... NO, RLP on behalf of themselves

 

 

These latest missives carry even less weight than the usual RLP twaddle.

 

As for setting off alarms in PCWorld,

I bought some printer ink yesterday and the RFID chip in the ink cartridge packaging set off the alarm as I was leaving.

 

 

It set off another alarm in Sainsburys and a further one in DFS.

 

 

I think I will carry the piece of cardboard around with me to play a chaper version of that new Pokemon game as I wont need a smartphone to enjoy it.

 

 

Your visit to that store has nothing to do with the letters, just a coincidence

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letters done in above post - 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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Very amusing. So many ifs and maybes and possibilities it's farcical.

 

If it were me if phone them up just to wind them up. Utter fools but great entertainment.

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You notice how little menace there is in that letter. All polite, no nasty 'what will happen if you don't pay'. basically a foolish attempt to prize you from your cash.

 

I do like andydd's idea but no! This just encourages them however if you did ring them.. record their drivel. Ask them what they can actually do apart from sending the oh so nice letters and see what rubbish they come back with. :wink:

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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