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    • Hi there Manager for our soccer sixes team moved overseas mid season and we struggled for numbers so we told the ref about 5 weeks prior to seasons end that we would see out these games then be done and he told us he’d ’pass the message on to the relevant people’. Heard nothing, then 3 days prior to the new season beginning we were given our fixture for that weekend. Told the guy over text we had pulled out and the ref should’ve passed a message on but we were told sufficient notice wasn’t given and it needed to be in writing. I argued it’s not our fault the ref didn’t do as he said but we were countered by the T&Cs.    now being chased for what was £608 kindly reduced to £476 to pay off remainder of the season. Been sent a letter in the post from their accountancy team and told needs to be paid by Friday.   seen a lot of the other threads saying we can literally just ignore everything but im concerned about debt collections and credit score being harmed. Can anyone confirm if this all works/what we should do?   thanks
    • Hi,   I have given an official police witness statement for the prosecution in an upcoming criminal court case, and I am very anxious about what might happen.  Specifically regarding being cross-examined.  My statement is very short, and only a couple of paragraphs long, regarding a conversation I had with one of the victims.  I have tried to research online about what information about me the defence barrister might be able to find and use to discredit me.  I have by no means have a shady past but, I am concerned about what private information might be brought up, and as this is a case that will be in the national press as it is in the public interest.  The two preliminary hearings were reported in the papers.   I have tried to research  online what information the opposition can seek, but it is all very complicated.  I believe that they can legally access public records, but I'm not sure what information public records hold.  Can they access my medical records, educational history, HMRC, and Department for Work and Pensions? (I am a self employed sole trader).  I was arrested once, and this was unfortunately instigated by the victim in this case, so could well be of interest to them.  It resulted in no further action, however I have only discovered this week that that, in fact, this means I have a criminal record, and will be so until I am 100 (no chance)! This has really annoyed me to say the least, especially since I asked him afterwards why he rang the police and he said 'for a laugh'.  So I have started to look into applying for it to be deleted, but again, if anyone has any advice on this I would be appreciative. At the moment, my name isn't on the confirmed list to give evidence, but the detective I have been dealing with has said it is 'likely'. The names of the victims in this case will not be allowed to be reported, are witnesses fair game for the press? I really need no know how deep they can delve in to my life so I am prepared if my character gets assassinated in front of the nation. I really wish I'd never agreed to this.   Many thanks
    • A belated thanks dx. Yes I may take your advice regarding StepChange. I am finding that I am telling them (on behalf of my Son) the true balances outstanding? They never seem to check properly in which worries me. If I was to take on myself is there another way of dealing with various debts? I have already submitted other IRL complaints on his behalf. Today I have received a further response from Quidie T/A Fernovo confirming that they will waiver all interest paid.
    • Good evening  Case hearing this Friday 26/04. looking to have all my prep/papers ready.    just checking in to get update on my last post , ( the t&c’s attached). No name or address on them as per #49   thank you UCM  
    • Thanks a lot.  I did read every single post and though the process was fairly clear at a high level, I just wanted to be sure in the areas a posted. Call it first time nerves, going down this route.  Thanks again.
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Moneybarn have replied can anyone help??


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On looking at the statement of account it says they issued a default notice on the 15/05/13 could this be false and they are saying this to cover there backsides? I have prepared the SAR letter and will sign, scan and send to a friend, is it a £10 postal order that i need to include?

 

regards

 

JL

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yes do that

could he not copy n paste your sig from a doc with it on you could email him?

 

IF MB are aware of your new address

then you don't need to send anything else bar a BLANK Postal order

 

if they are NOT , you'll need to include your old address [do that anyway]

 

and a copy of say a CTAX bill proving where you now live.

 

its clutching at straws the DN is not complaint

but IMHO worth a try.

 

MB have screwed up before when getting Repo's done

 

esp on the DN & TN front.

 

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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15/5/14 you mean

 

cant be right!!

 

you say above the car was taken on 11th was it

 

they would have to have sent the complaint DN a MINIMUM of 16 days before they repo'd the car.

 

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 guys,

 

No they're stating on the statement of account that the default notice was served on the 15/05/13

and i believe this was cancelled as it shows payment made from my account after that date,

 

the most recent default notice after that is on the 14/10/13.

 

Mt statement of account is attached in one of my previous posts for your perusal.

 

I will email the SAR to my friend and get it sent off to them as soon as possible.

 

Regards

 

JL

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you can only have ONE DN unless you met the requirements within the 14days

 

so i'm trying to determine

 

IF they sent a DN BEFORE THEY took the CAR

 

what are the two dates 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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so 20/01/14 they took the car

after the second dn of oct 13

 

so no dice there then I don't think

 

sorry internet Is crap tonight.

 

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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Got the car via a third party?ag plus pre contract info may help.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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Hi all

 

Yes according to the dates they are saying that they sent a DN prior to the car being removed from my possession. I got the finance through a 3rd party company whom conducted all contact with moneybarn etc.

 

I will still send the SAR as you never know it may bring something up. However i have until friday to reply to them, what should i say??

 

regards

 

L

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Even though its a recent acc, I would send an unsigned cca request via your friend for now. Buy you time then post it up with pci when you return just in case

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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