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    • Could you link us to BankFodder's post please? The judge's office means something different to me. HB
    • Hi LFI, With regard to the ANPR cameras in your post #65, while I was on the phone to the Planning Department, they did take a look at Google Streetview and went back to 2012 where they could see the ANPR cameras in place so therefore they would have deemed consent. I had previously read the T&C Planning Regulations and had read the section on deemed consent so I understood the point they made on the phone. It doesn't matter though, that doesn't harm my case any, and I shouldn't really mention this now, (this is what you reminded me of on another thread) but in the past I was a member of a scheme that gave me access to legal advice, I have spoken to a barrister previously through this scheme on another matter and I think I am still a member. I am going to check if I am still a member of the scheme, and if I am I will discuss my case with a barrister or solicitor, whichever the scheme deems appropriate. I will let you know the outcome. I am also going to take Bankfodders advice in the sticky and go to the local court and ask if I can sit in on a case in the Judges office.
    • deed?  you mean consent order you and her signed? concluding the case as long as you nor she break it's conditions signed upto? dx Yes sorry. they called it a deed at first in court.  Then Judge said she was happy to have it sealed as something else  exact names of orders in message above.     The disease was tested for when his cardiac testing was done immediately after purchase and part of the now sealed case.   However, results were disclosed incorrectly and I only found out  two days ago.   This disease did not form part of my knowledge during the case as I had been informed of a normal result that was not the case.   it is perfect clarity of a genetic disease where as the previous cardiac issue could be congenital until the pup is genetically tested. 
    • Hi, Halifax recently sold a credit card account of mine to Cabot. I am unemployed and have no assets and was thinking of making token £1 payments for 12-18 months in order to drag things out a bit and reduce the chance of Cabot being able to get the correct CCA documents from Halifax if I requested them in future. However, I saw on the pages on this forum about defending county court claims that one of the standard approaches when defending such claims is to say “I had an account with bank X, but I don’t remember the details and so don’t know if I owe this debt…”. If I made £1 payments to Cabot, would it prevent me from using such a defence in future? OC: Halifax DC: Cabot/Wescot Card account opened: 2016 Defaulted: 2023
    • Paperwork says sealed consent order and composite settlement agreement      YES  ADDISONS DISEASE 
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Do I have to give DCA my employers adress


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just pay them what you want to and tell them that's is what they are going to get even a £1. per month if you are strapped?

 

but give actual details on here who DCA for what? when taken out? amount alledged ?CCA1974 for what was it signed etc do not pay a DCA if there can be a dispute, without proper info the peeps cannot advise on your situation, some so called DCAs fleece people due to their lack of knowledge. they threaten all sorts but have no powers?

 

Personal information only a court can order details!

:mad2::-x:jaw::sad:
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I agree. Tell them you have worked out what you can afford. If you send in a budget form they will criticize what your spending and will next be asking for copies of bills and wage slips. They have no legal right to any of this information and providing employee details is a big no no.

 

In fact I wouldn't be paying them anything yet. Provide more details of the debt so you can receive more in depth advice from the good people on CAG.

 

What type of debt is this, when was it taken out, whose the creditor?

 

just pay them what you want to and tell them that's is what they are going to get even a £1. per month if you are strapped?

 

but give actual details on here who DCA for what? when taken out? amount alledged ?CCA1974 for what was it signed etc do not pay a DCA if there can be a dispute, without proper info the peeps cannot advise on your situation, some so called DCAs fleece people due to their lack of knowledge. they threaten all sorts but have no powers?

 

Personal information only a court can order details!

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It seems a bit daft to send the I&E form out after accepting the token payments.

 

No, you do not have to provide them with your employment details.

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Send the budget summary and offer of payment. leave it at that.

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

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whats the debt all about

 

 

have you sent these fleecers a CCA request?

 

 

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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DCA are not allowed to contact work if they do report them ... anyway as said best thing to do is just send them your I.E with relevant info but NO bank satements or the like ...IF THE DONT ACCEPT TRY A FREE DMP cOMPANY TO HELP YOU ...MEANWHILE SEND THEM WHAT YOU CAN AFFORD ...as said have you done the CCA1974 cos they wont like that if you do .

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If you gave them your employers information as contact info, then yes they can call. But they MUST stop as and when you tell them to stop. No if's, ands or buts from them.

 

My advice would be to send them a basic budget summary along with your offer of payment. That is providing of course that they have fulfilled a CCA request before. Even if they have done that, you should check the legitimacy of the debt, as well as reclaiming any penalty charges and insurances before you even consider paying them.

 

 

Also, to the OP, you still havent answered the questions posed in posts #2 and #6.

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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