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    • Hi all, yes Im back again with another problem from my wayward son! Hes just got a CCJ claim form (Northampton). Claimant is Perch Capital LTD, and address for sending documents or payments is T M Legal Services.  Its an old loan that he cant remember when he had it and thinks it might be Lending Stream. Its possible it may be SB but not sure yet. What Im asking is in relation to the Particulars of Claim. It seems to me to be very vague, no dates of loan etc, in fact hardly any way of identifying anything. This is the exact wording -  "The claimant claims this amount in respect of an unpaid loan, regulated by The Consumer Credit Act 1974. The loan was funded by GAIN Credit LLC. The Defendant has failed to make payments in accordance with the terms of the credit agreement. The credit agreement was assigned to the Claimant, upon which a Notice of Assignment was sent to the Defendant. The Defendant has either failed to respond to the Claimant or has failed to make regular payments. The Claimant has issued a Letter of Claim, providing the Defendant with a further opportunity to arrange repayment of the outstanding balance to no avail"   And thats it. So can you tell me if this is enough information to put before a court? It seems very vague to me? I have 4 days left before I have to acknowledge on MCOL to get the 28 days extension.  CCA request will be posted to T M Legal in the morning (30th). Is there anything else I can do? Thanks all.    
    • Nope no new courts docs to new address. Last letter was the date of court case to old address.
    • what the claimant sends to where is not important. its the court that is and you have already had a court doc to your new address ?  
    • On another note. I emailed the claiment with my new address as moved since claim started. Also emailed the courts.   What happens if they post to my old address? And that i have proof of the email being sent and received.   I have access to old address and can easily check but they dont know that.
    • Thank you, this was sent to them via email and I got the following reply below 2 days later. Essentially same as their original response to my initial email, but worded slightly more carefully now i've threatened legal action.   I will continue to wait for the days to expire and get going on the money claim website in the interim.   In the meantime Packlink have now told me they have issued me a refund for postage and £25 compensation which I have rejected. I will take this as part payment for the claim. Hopefully this won't affect my claim if there are any discrepancies between the letter before claim and the final claim letter.   eBay have also now tried to take money from me (after saying they had already taken it) but i have blocked them from doing so from the bank.   ----   Hi  Thank you for getting in touch regarding the recent parcel delivery reference XXX   I am very sorry to hear that the contents of the parcel you sent did not arrive with your customer, and I can imagine how disappointing this was for both you and your recipient.    Unfortunately, Hermes can only explore the possibility of compensation with the party who contracted us with the safe delivery of your parcel, which in this case was Packlink. I advise you to escalate this claim with them directly, as the shipping label was purchased through them. You are within your legal right to take any action you think is required, however as previously advised we have not refused your right to claim but rather we have asked you to go through the service you booked your parcel through, as they will be able to assist you further regarding this.. I can completely understand your frustration and I sincerely apologise for the inconvenience this may be causing you. If you need anything in the future, please contact your Hermes Customer Service Team and we’ll be happy to help.   Kind regards, Hermes Customer Services
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Bview have taken my Tv after thretening me with the police


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Hey

 

I've had these BV turn up at my door 6 times in 3 days.

 

Missed three weeks payments as I didn't know the bank had cancelled the direct debit and I had no letters from them.

 

Told them countless amount of times I don't answer the door unless I know who it is.

 

I'm a single mum 2 kids under 5 so it's just something I've always done and especially like tonight when they turn up at 6pm

 

I text one of them and said I wouldn't be available until Tuesday as the kids are off school/nursery

and I'm not having strangers in the house when they are here and all he said was it needs to be sorted this week.

 

back to my question,

 

next time if/when they turn up unaccounced and I don't know who it is can I phone the police?

 

I get so paranoid but I don't live in the best area.

 

i didn't know it was them until they left and seen the card through the door.

 

i just seen someone at the door when i was peeking out the window

 

Also seems a tad excessive turning up 6 times in 3 days

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You don't have to accept any visits.

Start keeping a detailed log and try to record any conversations or calls.

You are certainly entitled to call the police - but I'm afraid that you shouldn't expect too much help from that quarter - but worth trying anyway.

You should write to them and tell them that you revoke any permission to come on to your property and that if they do so again that you will call the police and also complain to trading standards.

 

I wouldn't text them or do anything other than write formal letters. Get photos whenever possible but be careful of provoking them

 

If it continues then come back here.

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thanks BF

 

i suppose if i just called 101 and said there are 2 random men at my door and the aren't leaving surely they have to come out. they must have stood at the door earlier for about 15 minutes. hard to tell a 5 and 3 year old to be quiet lol

 

i don't mind them coming,its the fact they just turn up whenever they feel like it but when i had a problem with the meter (which is attached to a tv i own) and couldn't get that switched on i sat in for 3 days and they never showed their face.

 

wish i had never bothered with them.

 

as soon as ive paid everything off its good riddence

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Hi.

 

Have they ever sent you a 'default notice' in the post?

How long have you had the agreement? How much have your paid? Do you still need the TV?

The reason I ask is that there may be an option of handing back the TV and ending the contract striaght away.

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and what about the stupid insurance you are paying too

 

you can get all that back

 

it is NOT compulsory.

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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no default notices just them turning up,i got one tv in june last year and one about 3/4 months ago which is another kettle of fish. i signed up to pay for a new tv and found out about 8 weeks later they've gave me a refurbished one.

 

no insurances dx,i lurk about here so told them to get that taken off.

 

just got a text off the guy saying if i can't afford 50quid this week to hand back the tellys until i can....away you go.

 

ive not refused to pay,i just can't in one go just now,but can in 2/3 weeks but not good enough apparently .

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Hope you got that in writing :)

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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She phoned,I was half asleep and never thought to ask her to put the outcome of the call in an email.

 

I made it clear though if anyone turned up at my doorstep again I wouldn't be hesitating in calling the police for two big men hanging about my door.

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Nope,just an 'I've spoken to them and the visits will cease'

 

WOW! So easy for you to stop your visits!

I should have contacted the same person you contacted.

.. Instead, I dealt with the CEO (Graham Clarke) who refused to confirm to me that the visits would stop,

- despite the fact that I had a serious complaint of harassment and intimidation.

 

All I can suggest for yourself is that if BAYV reps turn up again,

then you immediately phone the police as well as recording the visits on a camera phone.

Do not let them into your home under any circumstance and try to deal with them only in writing.

 

If they (BAYV) call at your home again,

then in my opinion they would be trespassing.

 

The only possible defences BAYV would have in this case are:

consent, judicial warrant, to action a right (such as right of way) or as an emergency.

 

Since BAYV have correctly stated that no further visits would take place,

then there is no need for you to obtain an injunction against them.

 

However, should BAYV call at your home again, you could think about starting legal action against them (injunction and possibly trespass).

 

In other words and from my own experience, BAYV need to be informed quite clearly of the law.

Even when informed of the law they still decide to ignore it. (examples of this can be seen in my thread

where they firstly failed to confirm that no further visits would take place despite my clear requests,

 

- secondly, they failed to abide by the Data Protection Act (on 2 occasions)

despite the fact that I had previously warned them than should they update the thread they would be in breach of this.

 

I am pleased that you have sorted this problem out quite quickly and without the need of court action.

 

From what I remember of my own experience, it was only by the skin of their teeth

that they avoided the need for me to obtain an injunction against them.

 

If you have further problems from this company, then please post back here.

If I've given you advice, then it is just my thoughts / opinions - doesn't mean I am right!

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  • 1 month later...

i'll start with how we even got to this.

 

i missed a payment on the 11th, because the bank had cancelled my DD and i had no idea,

it was set back up for the next friday and all is well or so i thought.

 

called on monday (last week) to change my bank details as the account i was using was closed.

couldn't change them and they were 'blocked' from doing that

and she said a manager could fix it and call me back.

no one ever called so i assume it was sorted.

 

yesterday the guy turns up asking for payment and

after looking on his wee computer thing he sees that there is a note on my acc not to contact me (?!)

so he said i'll go away and sort it and come back with the area manager.

all good i thought.

 

turns up today, i was in the bath so couldn't answer the door so called them back and out he comes with some debt manager or something.

 

tell me he wants £20 there and then or he's taking one of my tvs.

told him i don't have £20 as my card was cancelled

and waiting for a new one but i can pay 8am thursday morning.

no not good enough, dont pay us today one of the tvs get taken.

 

i tell him i dont think so, ive offered the money, its in my account but i just can't get access to it, im asking you to wait less than 48 hours til i get my card.

no if you don't give us one of them i'll call the police.

 

im a single mother, kids didn't happen to be here when they first arrived but got home with my mother just after they came.

so im sitting there with a 5 yr old and a 3yr old being threatened with the police.

 

i say ok i can put the money into my mums account and use her card, they sit and watch me do that

and then say oh but the girl in the office needs to speak to her!

 

surely they could have said that before they sat and watched me put the only money i have into her account.

 

my mother is out at the minute and will be home in about 30mins, so i said if you take the tv you'll be back within the hour, not a problem he says.

 

so off i go to unplug one of them and the carry on starts again, oh we dont need that one has to be the other.

so i says well you said 'one' of your tvs you didn't specify and i am offering you one. nope not budging.

 

so off he is away with one of my tvs.

 

tell me he can't do this?

 

they literally sat there (There were 2 men) and threatened me with the police

when my 2 young kids were there if i didn't hand over my tv for an hour.

 

i am so annoyed right now

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they should NOT be threatening you with the police.

aas a lever to taking the TV

 

that is AGAINST THE LAW

 

and BV have said time and again here they would retrain those saying so.

 

THEY ARE NOT BAILIFFS AND HAVE NO SUCH LEGAL POWERS

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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That's absolutely disgusting of BAYV to have behaved, esp as a "so called" manager was involved!!

 

DX is totally correct they aren't Bailiffs & have no legal powers at all!!

 

How they can still behave in this manner & get away with it is beyond me!!

 

Make a formal complaint & detail exactly what has happened as you have done here & send it to BAYV Chief Executive.

 

Graham Clarke

 

Email; [email protected]

 

Tele; 01656 754500

 

Address; Kingsway Buildings,

Bridgend Industrial Estate,

Bridgend,

CF31 3RY

 

Be firm & insitent, do not let BAYV intimidate you anymore, they are cowardly bullies without any legal powers!!

I don't suffer from insanity, I enjoy every single minute of it!!

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i phoned to pay the £20 and now apparently after speaking to the area manager ive not to get the tv back unless i pay £109.

 

area manager spoke to elaine mockler who i dealt with before and shes told him i made an agreement to pay £50 as a one off payment and i didn't pay. i made no agreement so i don't know where she is getting that from.

 

i am just about to phone them and tell them i no longer want the tv.

 

my mum is with a local company and i can get a bigger tv with the same spec added on to her account for £3 pw,makes you realise how much these companies rip you off.

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just fired off an email to elaine,was more polite than i wanted to be but i can't wait to see what she has to say for herself.

 

there was no written nor verbal agreement for £50 between us.

 

ive got my spreadsheet filled out for the insurances should i wait til this is sorted out then hit them with it?

 

i am still so annoyed at them for this.

 

kids keep asking if the police man is coming to take me away and the younger one getting upset. great,cheers for that goons! grrr

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shame you didn't record or film the guys in your huse

 

next time

 

don't let them in/

 

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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you should of sent that reclaim off weeks ago

 

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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old and new threads merged

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 elaine has been stalking me online and copied a post i made here months ago to the email she sent me today.

 

denied lying of course,didn't expect any less.

 

hello if you are out there reading! :wave:

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What email did she send?

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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so elaine has been stalking me online and copied a post i made here months ago to the email she sent me today.

 

denied lying of course,didn't expect any less.

 

hello if you are out there reading! :wave:

 

Gawd blimey, this is an utterly ridiculous way for a Company & it's Employees to behave!!

 

I'm also interested in what this email says, if you care to share!

I don't suffer from insanity, I enjoy every single minute of it!!

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