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    • it's a private school, i'm support staff...not a teacher. i don't know if that's a good or bad thing.  because it was the final step on their bradford chart my dept. manager wasn't in on the meeting.  if it was him, i'm sure i'd be fine, he's a good guy, a bit of a knob sometimes   but on the whole he's has an understanding of life.  but this was out of his hands, he didn't like the situation himself and i'm pretty sure if they talk to him that he would confirm all that i said about my work within the dept.  but i'm guessing from their point of view that the above doesn't mean much if i haven't managed to do my contractual hours 😕 so it is a possibility that they can dismiss me without a written warning? thanks for your replies    
    • Hi DX   I didnt write as nationwide record calls and also said its not neccessary as they blocked (supposedly) on the phone.   How do I now cancel cpa then? Do I still need to write to Nationwide? Or is it ok now that nationwide have confirmed the block for paypal and the block from visa team to refuse requests from paypal?
    • Hello   Just found this on paypal website (uttterly shocked):   Read your user agreement:   3. Funding Sources   3.1 Linking your Funding Source. You can link or unlink a debit card, a credit card, a pre-paid card (in certain cases), a bank account and/or PayPal Credit as a Funding Source for your Account. Please keep your Funding Source information current (i.e. credit card number and expiration date). If this information changes, we may update it at our sole discretion without any action on your part, according to information provided by your bank or card issuer and third parties (including but not limited to our financial services partners and the card networks). If you do not want us to update your Funding Source information, you may contact your bank or card issuer to request this or remove the Funding Source in your Account Profile. If we update your Funding Source information, we may retain any preference setting attached to it.
    • its a lacking on our part  and yours as you didn't WRITE. instructing not to honour ANY payments to PP but that's NW for you.   you need to cancel the CPA.   GENERAL NOTES ON CHARGEBACK & Continuous Payment Authority & BACS   .....  We have been telling people to put a letter into their bank instructing them  not to make any payments under any circumstances to these companies  . http://whatconsumer.co.uk/visa-debit-chargeback/- it works! usually this should be done using the number on your debit card  .  banks MUST follow written intructions from their customers ! . CANCELLING YOUR DEBIT CARD DOES NOT STOP CPA'S  .  This fsa guide has now been updated:  . http://www.fsa.gov.uk/static/pubs/consumer_info/know_your_rights_guide.pdf http://www.fca.org.uk/news/continuous-payment-authorities-your-right-to-cancel https://www.fca.org.uk/consumers/unauthorised-payments-account  .  Here's the text:  .  Cancelling a regular  card payment:  .  When you give your credit or debit card details to a company and authorise them to take regular payments from your account,   such as for a gym membership or magazine subscription,  it is known as a ‘recurring transaction’ or ‘continuous payment authority’.  . These are often confused with direct debits, but do not offer the same guarantee if the amount or date of the payment changes.  .  In most cases, regular payments can be cancelled by telling the company taking the payments.   .  However,   you have the right to cancel them directly with your bank or card issuer by telling it that you have stopped permission for the payments.   Your bank or card issuer must then stop them – it has no right to insist that you agree this first with the company taking the payments.  .  Be aware, though, that you will still be responsible for paying any money that you owe. and that CANCELLING YOUR CARD WILL NOT STOP THE CPA  .  ..  .  New june 2013  .  Regulator orders Banks and mutuals to review complaints about not cancelling recurring payments from November 2009.  .  Consumers who have set up a regular payment from their account will now be able to successfully cancel that arrangement   by contacting their card provider, the Financial Conduct Authority said.  .  The FCA has been examining how easy it is for customers to cancel Continuous Payment Authorities (CPAs)   due either to payday lendersicon or for other regular payments such as subscriptions or gymicon memberships.  .  CPAs, which are also commonly called recurring transactions or recurring payments,   are relatively easy to set up but can be hard to cancel, causing problems for consumers trying to manage their finances,the FCA said.  .  Now, following the FCA review of how the largest high street banks and mutuals process requests to cancel CPAs, they have agreed that they will ensure that when   a customer asks for a recurring payment to end, that will be sufficient to cancel the arrangement. They have also confirmed that should a payment go through by   mistake following cancellation by a customer the customer will be refunded immediately.  .  In addition to securing this commitment, the largest banks and mutuals have agreed to review every individual complaint they have received about the non-  cancellation of a CPA and to pay redress where payments have continued to be made despite the customer cancelling the arrangement. This applies to all complaints   since November 2009 when the Financial Services Authority, the FCA’s predecessor, began regulating banking conduct.  .  Clive Adamson, the FCA’s director of supervision, said: “It’s important that consumers are confident that banks are meeting their everyday banking needs. Today   customers can be confident that when they ask for a Continuous Payment Authority to be cancelled – it will be cancelled - and that it can be done easily.   . “We recognise that historically this is an area where some customers have struggled but the banks and mutuals have responded positively to our work on this issue.   From now on we expect them to be getting this right. In addition, they have committed to review past complaints.” .  .  Also mentioned your displeasure that as whomever took your money had obviously attempted this many times   probably activating your banks own anti fraud software - nobody had the decency to inform my you this was going on.? .  .In the FSA's own words:  .  ..  What should I do about a payment from my account that I didn’t authorise?  .  Your bank must refund an unauthorised transaction.   Money can only be taken from your account if you have authorised the transaction   or if your bank can prove you were at fault –  . see below.  Contact your bank immediately if you notice an unauthorised payment from your account. .  If you are sure you did not authorise the payment, you can claim a refund.  .  However, your bank does not have to refund you if you do not tell it about the payment until 13 months  or more after the date it left your account.  .  Your bank must refund an unauthorised transaction  .  ------------------  .  Your bank may only refuse a refund for an unauthorised transaction if:  .  ? it can prove you authorised the transaction  – though your bank cannot simply say that use of your password,   card and PIN proves you authorised a payment; or .  ? it can prove you are at fault because you acted fraudulently,   or because you deliberately,   or with gross negligence, failed to protect the details of your card, PIN or password in a way that allowed the transaction  .  -----------------------  .  How quickly must my bank refund me for an unauthorised transaction?  .  The bank must make the refund immediately unless it has evidence that one of the above reasons applies.   Your bank may ask you to answer some questions and fill out a form confirming what has happened,   but it cannot delay your refund while it waits for you to return the form.  If the bank has evidence that one of the above reasons for refusing a refund applies,   it may investigate before making a refund   but must look into it as quickly as possible.   If your bank rejects your claim for a refund it should explain why.  If the transaction was on a credit card, the refund may not happen immediately.   But the card issuer cannot charge interest or ask for repayment of the amount unless it can prove you are liable to pay    
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saintalan

1999 SLC SCOTTISH 1a small claims Decree, now rebadged by shoes/eruido - think i'm stuffed?

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wrote not write

 

looks good

 

hold until after you see what perth say.

 

ask then HOW you get the charge for payment atleast put on hold or cancelled or WHY until you have a chance to contact shoosmiths whom are erudios solicitors and explain your forth coming actions. don't commit to a recall etc but investigate it with them if they seem to be helping you.


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I just spoke to Perth Clerks

A couple of things came to light.

They did indicate they could be quite helpful and look into specifics for me regarding whether the original Warrant was wrong/invalid etc.

I would need to email them directly which i will certainly consider.

 

Fair play to them they did not think an actual recall of the decree would potentially actually do anything more than extend the whole can of worms.

Clearly that is not my real end game.

I was quite candid in that August 19th 2019 is the key date and beyond that I do not care.

 

They could not/or would not advise me on how to stop the charge for payment.

I could ask them this outright in any email ?

 

Should I in effect just email them close to a copy of my proposed letter to shoosmiths asking to comment ?

 

I really would just like to get a letter off to the vultures.

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seems like a good idea

and any evidence they might need?


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This is my proposed final draft to send to Shoosmiths.

I will send a copy of this with a cover email to the Perth Court.

 

You happy with the content ?

 

To Whom It May Concern

 

I am writing to you to request you place this account in serious dispute.

I must insist that you immediately withdraw demand for payment. I request that you confirm said action to myself, and pass on this information to your latest instructed agents Stirling Park Sheriff Officer & Debt Collection Services.

 

On review of the information provided within the SAR from the SLC, I have found serious issues with the Decree granted on the 20th of August 1999, that could make said document invalid. As this is the sole basis of your action to collect the balance, then again I must insist that you withdraw your demand.

 

As you will further note much of this relates to the use of incorrect address information in critical correspondence.

 

Following a conversation to the Sheriff Clerks office in Perth regarding a number of points, they have requested I write to them so they may investigate my concerns.

It is entirely possible this may result in a request to recall the decree. The following condition allows this to happen.

Act of Sederunt (Simple Procedure) 2016 SSI 2016/200

Schedule 1 Part 13 The Decision

Sub Section 13.5 (1) (e)

 

You may wish to investigate yourselves some of my concerns ?

The following communications were within the SAR pack.

You will be aware that the SLC Legal department wrote to me on the 27th October 1998 at the completely wrong address of 49 Fictional Avenue Perth, warning that court proceedings will be instituted without further notice.

 

The next correspondence I have within the SAR pack from the SLC Legal on the 1st October 1999 is again writing to a wrong address. Strangely this time a different one of 48 Fictional Avenue Perth, where they advise me an Extract Decree has been granted. There is no copy of said decree in the SAR. Neither is there any mention in the letter of the date the decree is granted.

 

The decree was granted I have subsequently established on the 20th August 1999 *In absence.

 

I verified this from the copy decree Shoosmiths supplied, and it further confirms it is for the wrong address.

 

I can confirm from further documents in the SAR that the SLC update my address to the correct address on the 10th May 2000. Clearly this change is a number of months after legal proceedings.

 

I have other questions that need to be addressed with regards to the legality of the serving, or lack of serving of the summons at the time.

I also have a potential issue with regards to the time before the communication of the actual Decree in absence was communicated to the aforementioned wrong address. A time of 41 days I believe.

 

I await your response to my concerns with the potential legality issue with your charge for payment.

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Hi DX

Letter to Shoos sent recorded 1st on 10th Dec and signed for 11th Dec.

No response as yet.

Will keep you posted.

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ok well done sorry I didn't return..


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Hi DX

Update.

I have just received a letter a few days ago from Shoosmiths.

 

It is almost like they have simply ignored my letter (Post 48)

 

However it is back to the slightly "softer" approach which at least suggests they have read it.

 

They are back to asking me directly (without local sheriff officers) to come to an agreement to pay, that they can offer to their client Erudio.

Back again to enclosing a income/expenditure form.(I have never returned one)

For me this is undoubtedly a slight climb down from the recent aggressive behaviour.

 

Further to this apparently for the 1st time ever they have traced my mobile phone number as they just called me.

I did not confirm or deny who I was after they identified themselves, but hung up and have blocked the number.

 

A text has since arrived presumably from another number asking for me to get in touch re recent correspondence.

 

my thoughts are to reply again referring to my previous letter, asking why I have not had a "proper" reply.

 

I certainly do not want to make any sort of offer again while I am hoping to kill the process till the 20 year anniversary of the decree.

 

What do you think ?

Edited by dx100uk
spacing

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yea doing good.

keep it up.


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Hi DX this is what I have written today. Hope you approve. xxxxd out a few details.

 

Your Ref: xxxxxxxxxxxxxxxxxxxxxx

 

Without prejudice

Account Number: 6xxxxxxxxx Balance £3xx9.19 and then Supposedly up to £3xx0.60 and now supposedly down to £3xx0.35

 

To Whom It May Concern

 

I note you have ignored my letter of 10th December 2018 which I have enclosed once again.

I have proof of signature that you did receive said letter.

You or your client Erudio Student Loans Limited need to take this letter seriously.

 

Your latest communication dated 8th January which I have referenced above includes a copy not as detailed of the original decree from 1999, but a partial copy of a second extract decree from 2014. My previous letter details the problems with both of these documents.

 

 

Once again I await your response to my concerns with the potential legality issue with your clients charge for payment.

 

I also note your various changes in apparent balance. Perhaps you could document this fully in an itemized statement ?

 

Finally my mobile phone number constitutes protected data under GDPR law. Perhaps you could kindly give me written details on how you legally came across said number and how you are legally using said number ?

 

 

Yours faithfully

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i'll pop in later busy day ahead


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scan up the letter from them to pdf read upload

this need careful chess moves

dx


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Hi Not quite sure why you think the latest letter is significant. However it is now scanned.

I do note the previous "hardball" was from edinburgh. This "stuff" is from payments at Northampton.

fromshoo0119.pdf

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Cause I wanted to see if it was an automatic sent template letter..and it is.

 

Pers I wouldn't reply


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Okay Thanks DX

I have replied as above but more as a reminder for them to address my issues.

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Just to keep the thread alive. With my letter now at 2 shoosmiths addresses.

First sent 10th December and then 25th January.

I have had no further communication from them so another  2 months passed.

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yep keep ignoring unless or until you get served anything by a sheriffs officer


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Thanks DX.

Presumably even the pondlife (Shoosmiths) should address my "points/complaints/concerns" before sending those dogs after me again ?

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there being a dispute is not a magic bullet

pers id just ignore them.

 


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Hi DX good news in a way. 2 months on and still not answers from them or any demands.

Just remind me as in my head my key date is 20th August 2019

That is the 20 year anniversary of the original decree granted at the Scottish sheriff Court.

When I was trying originally to avoid the debt by Status Barred rules I was reminded the Decree is subject to a 20 year prescriptive period.

 

If I get to the "magic" date is there a relevant link I can copy the text from that would confirm the debt is no longer enforcable ?

Something more substantial than this 1 line statement

https://www.scotlanddebt.co.uk/articles/personal-debt/time-limit-recovering-debt-can-written-off

 

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plenty of info on the inter web.

 

dx 


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Sorry not attempting to be lazy.  I keep finding simplistic statements but am unsure as to where I find the actual legislation.

 

Ie embedded somewhere in this beauty

 

http://www.parliament.scot/S5_Delegated_Powers/SB18-22.pdf

 

Or particularly section 7 of this.  

https://www.legislation.gov.uk/ukpga/1973/52

 

 

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not your problem

simply quote

Prescription and Limitation (Scotland) Act, 1973

but only id we say so.

let them work it out!!


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Posted (edited)

Hello DX100UK and all observers.

I am delighted to announce I have had no further communication from Shoosmiths

Todays date is 20th August 2019 

That is the 20 year anniversary of the original decree granted at the Scottish sheriff Court on 20th August 1999

The 20 year prescriptive period should kick into force.

Celebrate

 

Would any further letters now constitute harrassment ? 

or does the debt technically still stand but just not enforcable ?

They cant seek a new decree ?

 

 

Edited by saintalan

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Doubt you'll hear anything again


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Well Well Well.   

 

With regard to not hearing anything from Shoosmith, I today had an interesting suprise.

 

Clearly my letters (Mentioned post 91) in December & January were to in effect "turn the heat up" and stall them from trying to proceed any further before my magical 20th anniversary of 20th August which has now passed.

 

today I receive a large letter.   

Not a demand as you might expect. 

No finally someone has actually taken the trouble to investigate all of my complaints (Or stalling tactics). 

Its is a 4 pages long masterpiece.

 

I might scan it later if you are interested however here is the CONCLUSION.   

Not sure whether to laugh or laugh louder.  

 

"Whilst I am sorry that you have felt the need to raise these issues with ourselves, I am unable to uphold your complaint. I trust you understand my reasons for this.

 

However I am aware that there has been a delay in responding to your complaint and I apologise for this. Please therefore find attached a cheque in the sum of £50 in recognition of this delay."

 

So the delay to my complaint, which is exactly all I wanted has netted me £50 !!!!

 

Should I cash it.

 

PS

They have concluded that the Decree granted in August 1999 is valid and therefore will not be withdrawing demand for payment. 

Should I now counter with the 20 year prescriptive period or ignore ?

 

Are they now deemed to be harrasing me for an unenforcable debt ?

 

Maybe now the complaints department is working albeit slowly, that I should actually make a complaint that they deem the debt still enforceable.

 

Cheers

 

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