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    • Is this sufficiant for a letter of claim  ? Letter Of Claim       Reference: Techzone Mobile Phones Samsung A71 Mobile Phone £140 Purchase date 29. 5. 24     I the claimant purchased a 2nd hand Samsung A71 mobile from Techzone Mobile Phone unit 10 of the indoor market at the Potteries shopping centre. Initially the phone worked well until I used the camera and found debris in the camera lens spoiling pictures making it not fit for purpose. I contacted the seller who offered a replacement which I initially accepted but later rejected and wanted a refund in full which the seller refused saying they Do Not give refund is unlawful and goes against the Consumer rights act 2015. Therefore I intend to issue proceedings against you in a county court without further notice unless you reimburse me the above amount in Full within 7 days from the date of this Letter     ------------------------------------------    I think its best if i hand him the letter as posting it might not get through so can claim expenses traveling up there ?   or would it be best to just post and get 'Signed for'  ?   Should i also put in the letter of claim interest added or leave that till the Particulars letter ?
    • Ok thanks, I really need help with my mental health over this I’ve called 111 Hi sorry just one more thing can they contact my workplace?
    • Sorry to shatter your leftie dreams 🤣😂🤣😂     Donald Trump gets a SIX-POINT bump in approval after being found guilty on 34 counts according to snap Daily Mail poll: 'I think it was a waste of taxpayer money' WWW.DAILYMAIL.CO.UK Teflon Don rides again, according to an exclusive poll for DailyMail.com which found that the guilty verdict in Manhattan... James Johnson, who conducted the poll, said Trump might be waking up as convicted felon but he was winning over the voters who matter.   Our snap poll of a representative sample of likely voters shows that for most Americans the trial has not changed their deep-set views of Trump,' he said.  'But amongst those who are open to changing their mind, people feel more positive by a margin of 6 points. That is outside of the margin of the error of the poll and we are saying that is significant. 'It extends to Independent voters too. Look at the explanations and it is clear why: people feel it was a politically motivated trial and view Trump as a "fighter" against what they see as injustice.     
    • Which Court have you received the claim from ?  Civil National Business Centre Northampton NN1 2LH Name of the Claimant ?  PRA Group UK Portfolios LTD   How many defendant's  joint or self ?  Just my self Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to.    24th May 2024   ^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE ON THE CLAIMFORM IS ONE IN THE COUNT [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days in total   Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total)  if your defence filing date falls on a W/End, you must file by friday @4PM     Particulars of Claim   What is the claim for – the reason they have issued the claim?  The claimant claims the sum of £22,000 for an outstanding debt owed. On 30/1/18 the defendant entered into n agreement with Lloyds Bank Plc for a bank loan under the reference 10017#######. On 4/1/19 the defendant defaulted on the agreement with an outstanding balance of £22,000. On 30/11/22 the debt of £22,000 assigned to PRA Group (UK) Limited, who itself assigned the debt to PRA Group UK Portfolios Ltd on 30/12/23. Notices of assignment were sent to the defendant in accordance with S136 Law of property act 1925. The claimant has instructed PRA Group (UK) Limited to act on its behalf in the recovery of the outstanding debt and to pursue litigation on its behalf. AND the claimant claims 1. The sum of £22,000. What is the total value of the claim?  £23,500 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ?  Yes Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No Did you inform the claimant of your change of address?  No - N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account?  Bank loan When did you enter into the original agreement before or after April 2007 ?  No Do you recall how you entered into the agreement...On line /In branch/By post ?  I believe it was done online on their app Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ?  Yes Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim.  Debt was with halifax, whom passed the debt to PRA Group. Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes Did you receive a Default Notice from the original creditor?  I'm not completely sure at it was nearly 6 years ago, I have done a CCA request and they have sent a screenshot of their system showing it was sent. Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ?  Yes Why did you cease payments?  Couldn't afford to make payments. What was the date of your last payment?  August 2018 Was there a dispute with the original creditor that remains unresolved?  No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan?  No
    • It’s all with current lenders and no missed payment to date. so with any reduced payment to them it’s likely to be going to debt collectors at some stage. we jointly own a property together me and my partner 
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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How the Bailiff gets paid?


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Difficult to know where to start really. Noting wrong with having a god work ethic or wanting to provide for you family that is a given, not sure what it has to do with your choice of profession, unless you are saying that it was the only option open to you ?

 

Do you seek to justify it by saying it was ?

 

Then you say it is a noble profession , so why do you seek to justify it.

 

Bailiffs companies are not about collecting debts to assist debtors, this is something that you would have us believe, but it is not the case, the bailiff industry, is just that it is a business, it is about the creation of revenue form the collection of debts.

"

I do not slander anyone, I say the industry is morally bankrupt, in that it relies on others misfortune in order to make money, bailiffs do not "help people", never happens.

 

Other points, "all villains go to jail" really ?

 

"Giving someone gun and it does not make them a murdered", bit vague, and not sure of the contest, but I would say that it is difficult to shoot someone with out one.

 

As for being constructive , I think I am, the constructive thing to do would be to scrap the whole industry and start addressing the idea of why people find they are getting into debt in the first place.

 

I'd say there's plenty of people owning guns who don't kill people.

And stop people from owning them because of the minority using them to murder, is wrong or at least arguable . I used this as a most extreme example.

 

Villains found to be guilty by law go to jail "yes"

 

You make some very definitive and exacting remarks which are not uncommon but false.

To say bailiffs don't help?? Really

They maybe havnt you!! That's very surprising

 

Again... Boring

Not looking to justify my role.open your eyes!

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I'd say there's plenty of people owning guns who don't kill people.

And stop people from owning them because of the minority using them to murder, is wrong or at least arguable . I used this as a most extreme example.

 

Villains found to be guilty by law go to jail "yes"

 

You make some very definitive and exacting remarks which are not uncommon but false.

To say bailiffs don't help?? Really

They maybe havnt you!! That's very surprising

 

Again... Boring

Not looking to justify my role.open your eyes!

 

Do you seriously only read other people's posts to give yourself the facility of reading your own posts back to yourself????

 

Read the full article. All posts.

All my posts, all others and then read yours back!!!

 

Some of what you write is really helpful and interesting.

And helps me have different perspective.

But a lot of it is really lame

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Ah!! that better, now you are showing your true colour's and have made it very clear your resolution to the problem is simply .... ' the debtor gets it, lets turn up the heat lads'

There is another forum close by that also deals with bailiffs, pop over and seek their help I am sure they will be able to advise, they can supply you with the legislation that will allow you to sue for your rights, for a modest fee you can even get their templates and they can take instruction to draft all your documents. You will get all the advice you need over there which you won't get here and even I will get a mention so we will all be winners won't we.

 

Earlier today their was indeed a post on the above suggested forum that would appear to show a willingness to 'fund' the setting up of the union you would like to see in place. I understand the author sees it to be a possible 'commercial' enterprise. I no longer see the post but then again that is nothing unusual to the site in question as they do have history to disappearing posts, however it opens the door for you to make contact and discuss the possibility with the site 'management'...good luck.

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Oh and I do not hate bailiffs, I do not hate anyone.

 

You reckon??

Some of your terminology suggests different.

 

You may see yourself as a fair person with open views.

However how you project yourself within some of your literature, doesn't represent that at all.

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Earlier today their was indeed a post on the above suggested forum that would appear to show a willingness to 'fund' the setting up of the union you would like to see in place. I understand the author sees it to be a possible 'commercial' enterprise. I no longer see the post but then again that is nothing unusual to the site in question as they do have history to disappearing posts, however it opens the door for you to make contact and discuss the possibility with the site 'management'...good luck.

 

Thank you. That sounds really really good

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You reckon??

Some of your terminology suggests different.

 

You may see yourself as a fair person with open views.

However how you project yourself within some of your literature, doesn't represent that at all.

 

I know :)

 

Look at some of my posts on here about bailiffs, I do not engage in Bailiff bashing as some do nor do I gratuitously criticize the industry, but since you are here and bring the subject up, I have to call a spade a spade so to speak. As I said one of my mos valued friends held quite a senior position in the bailiff industry.

 

My views are founded in observation of bailiff activity over the last 30 or so years and contact with many enforcement officers.

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Earlier today their was indeed a post on the above suggested forum that would appear to show a willingness to 'fund' the setting up of the union you would like to see in place. I understand the author sees it to be a possible 'commercial' enterprise. I no longer see the post but then again that is nothing unusual to the site in question as they do have history to disappearing posts, however it opens the door for you to make contact and discuss the possibility with the site 'management'...good luck.

 

 

You mean THAT site?

 

I am convinced that looking at the method of contracting, that IR35 might well apply to these bailiffs working for the mainstream companies

We could do with some help from you.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Hi TS

 

Just reading back though your posts, reading between the lines I think I could be forgiven for thinking that what is happening there is that you are bitching about the new regulations cutting down on your opportunity to inflate your fees( is this not just a little true), if so then this what they were designed for and I am gratified to see that they are working. :}

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Hi TS

 

Just reading back though your posts, reading between the lines I think I could be forgiven for thinking that what is happening there is that you are bitching about the new regulations cutting down on your opportunity to inflate your fees( is this not just a little true), if so then this what they were designed for and I am gratified to see that they are working. :}

 

That is the least of their worries if IR35 can be found to apply to their self employment, really meaning they should be employed.

 

There are similarities with contracts that have been found to be subject to IR35 in other industries where self employed do similar work to employed.

We could do with some help from you.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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If it's deemed by HMRC that IR35 applies, don't they also have to pay any back tax that they would've paid as an employee since the time they started to work there.

 

That could be quite a bill, which, if you can't pay, HMRC will send in the bailiffs.

 

 

 

I love irony :whoo:

Please note that my posts are my opinion only and should not be taken as any kind of legal advice.
In fact, they're probably just waffling and can be quite safely and completely ignored as you wish.

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Hi TS

 

Just reading back though your posts, reading between the lines I think I could be forgiven for thinking that what is happening there is that you are bitching about the new regulations cutting down on your opportunity to inflate your fees( is this not just a little true), if so then this what they were designed for and I am gratified to see that they are working. :}

 

The fees are higher!

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If it's deemed by HMRC that IR35 applies, don't they also have to pay any back tax that they would've paid as an employee since the time they started to work there.

 

That could be quite a bill, which, if you can't pay, HMRC will send in the bailiffs.

 

 

 

I love irony :whoo:

Not really as majority work as ltd companies and also work elsewhere and do other work types.

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The fees are higher!

 

The legitimate fees perhaps.

 

PS You really should cut out the abuse, you have been doing fine so far(for someone of your occupation) don't ruin it for yourself

Edited by citizenB
editing out abuse from quoted post

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Righto.. I have edited out the abuse from some posts. If any more is posted then the poster will be moderated.

 

DB, one of your posts was edited because you quoted an abusive post.

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I think villains go to jail.

I don't construe a guy working 15 hr days away from his home and his family as a villain.

I had no choice.

 

I think you will find that most villains work away form home for prolonged periods :lol:

 

You see....

I really struggle to appreciate and make alliance with your point of view. I appreciate it to be your own but still I struggle.

 

Never mind

 

I had debt. I had bailiffs attend my property and many of my friends too. But I've never expressed, nor my friends for that matter, a total lack of respect for bailiffs. You show a hatred for All bailiffs. Which like I've said" a struggle" to understand.

 

I thought you said earlier that you never had debts, I do hope the bailiffs "helped you"

 

I've never encountered such hatred while I've been doing the job either, thankfully.

 

Really ?

 

The bailiff industry has been a good industry for a lot of people. It's helped supply a lot of jobs for unskilled people.

 

Now we could be getting to the route of the problem, for unskillled Should we read thick

 

I'm passionate about the good work we do and the good people within the industry.

 

Interested what good work that would be

 

Giving someone a gun doesn't make them a murderer.

 

No it just gives them the facility to easily commit murder

 

You are or you are NOT.

 

You views are so misplaced and inaccurate I feel it's definitely my place to defend all that's good about this industry. While people like yourself harbour these views and opinions so wildly, against the full industry and it's personnel,

 

Oh go on then

the industry does never move forward.

Why would it?

Why try to change such powerful opinion.

 

Indeed

 

I've tried for 24hrs and look at how far I've gotten with yourself personally!

Be verbal, but try to be constructive. That's my plea.

Your input doesn't help but hinders and keeps the great divide between debtor and collector.

Which is exactly what I've been trying to breach.

 

Funny I thought you were just bitching about your pay

 

You may not like the idea and feel so strongly against the idea of bailiffs. That's fine, it's a free world and your opinion is just that.

 

So far so good

 

However please don't slander good, decent folk with words used like villains etc

That's not right.

That goes beyond a sensible opinion, given in a fair and sensible discussion.

 

Changed your mind about freedom of opinion here i see

 

Thought this post merited a more comprehensive reply :roll:

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BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Righto.. I have edited out the abuse from some posts. If any more is posted then the poster will be moderated.

 

DB, one of your posts was edited because you quoted an abusive post.

 

Not a problem, shame it was necessary really

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Thought this post merited a more comprehensive reply :roll:

 

This has suddenly turned into a hate campaign driven by yourself and your nasty unwanted and unwarranted comments.

 

Stick to the topic pls

 

Like I said there's nasty spitefulness in all "types" of people.

 

I thought this was a forum where discussion were had between adults and professionals.

 

On that note. I hastily leave you guys to it!

 

Thanks for all the terrific feedback it's been great. Very helpful and I hope I've helped some of in some of what's going on.

These forums are great for that.

However you will always get the odd person spoiling what has been a great topic for conversation.

 

I will finish with this.

 

If people want openness, freedom and a better understanding of a particular topic.

And guys are prepared to share that info always respect that individual.

Don't disrespect them through a personal preference or ones own opinion.

Hold your own, have an opinion but remain appreciated of other views.

 

Thanks again

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Typical. everyone is entitled to an opinion as long as it agrees with mine, you are probably in the right profession

 

Bye and take care

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DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

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Typical. everyone is entitled to an opinion as long as it agrees with mine, you are probably in the right profession

 

Bye and take care

 

It ain't my posts being doctored because of inappropriate behaviour.

 

Manners and respect cost nothing.

You learn that at a very early age being brought up on a council estate.

And I'm proud to say I've never forgotten that.

 

I thought the bailiff done the bullying.

 

Thanks and bye

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It wasn't hence the removal of it.

 

Sorry it was your posts which were moderated ?

 

Do you not remember using the abusive language ?

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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It ain't my posts being doctored because of inappropriate behaviour.

 

Manners and respect cost nothing.

You learn that at a very early age being brought up on a council estate.

And I'm proud to say I've never forgotten that.

 

I thought the bailiff done the bullying.

 

Thanks and bye

 

Obviously you did not learn very well

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

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Typical bailiff when things don't go your way you spit the dummy

It seams that if anyone does not agree with you ,you have a problem as you are always right

 

There are plenty of bailiffs that act out of line if you think it is all good guys out there you are wrong

 

All the threats they come out with all the lies relying on fear and intimidation

Now people know their rights and refuse entry to your type that is what it is making things harder for your type

Open your eyes

If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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Yes and to stupid to know that you just proved our point

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

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