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    • Just as the title says, if ever there was a good reason to ditch Micro$oft and move to Linux then this is it :-   Giving Windows total recall is a privacy minefield • The Register WWW.THEREGISTER.COM It's only a preview, and maybe it should stay there ... forever Help is available, most modern PC's can run a version of Linux suitable for your needs and it is not difficult to use or learn. Ubuntu is popular, new version is very modern Garuda Linux is the one I use, based on Arch, rolling release, bang up to date. I have friends and acquaintances, old and young, PC Literate and not. Most people who try it never go back to Windows Hamster
    • I've had to hide two of your posts.  Anyone clicking on your links gets sent to external sites.  On top of that your real name is showing on one screenshot.  Fellow Site Team member dx100uk has already politely asked - Anyway, jk2054 wants to see the communication you got from your local court which will have told you about the hearing date of 17 June, and will have mentioned a deadline for filing your Witness Statement.
    • I believe it is helpful to seek guidance from a range of places and decide on the validity of the sources and frequency of responses which are most helpful. A single voice can be a dangerous thing. As, of course, can groupthink. Scott, it feels like £4k on a solicitor for a £1.5k bill is overkill. Were we back in time I'd suggest small claims court as your claim sounds like it may be straightforward? By all means add that phrase on. I also suggest you contact the court and go and sit in on a couple of similar cases to get a better understanding before you shell out.
    • a card should be 16 digits...urm... note your dates above please. do not miss them no matter what happens  ......................... pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’. Choose ‘Create sign in details’ to register for the first time. You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID. You should make a note of your memorable word, or password as these are not included in the email.  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .. get a CCA Request running to the claimant . https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/ .. Leave the £1 PO unsigned and uncrossed . get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant] ... https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . .use our other CPR letter if the claim is for an OD or Telecom Debt or Util debt]  https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ on BOTH type your name ONLY Do Not sign anything .do not ever use or give an email . you DO NOT await the return of ANY paperwork  you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count] ..............  
    • Which Court have you received the claim from ? Northamton, civil national business centre Name of the Claimant ? PRA Group Uk Portfolios ltd. How many defendant's  joint or self ? self Date of issue –  21 May 24 date of AOS - 07-06-2024 date for filing defence by - 21-06-2024 Particulars of Claim 1. The claimant claims the sum of £5600 for an outstanding debt owed. 2. On Mar 2000 the Defendant entered into an agreement with Barclays Bank Uk PLC for a credit card under reference ( 11 digit ref ). 3. on Mar 21 the defendant defaulted on the agreement  with an outstanding balance of £5600. 4. On Aug 21 the debt £5600 was assigned to PRA Group (UK) Limited, who itself assigned the debt to PRA Group UK Portfolios Ltd on Dec 23. 5. Notices of assignment were sent to the defendant in accordance with S136 Law of Property act 1925. 6. 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 £5600 What is the total value of the claim? £6100  Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No - just emails threatening action   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes   Did you inform the claimant of your change of address? no Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? credit card   When did you enter into the original agreement before or after April 2007 ? before - in 2000   Do you recall how you entered into the agreement...On line /In branch/By post ? I don't recall - I suspect post / online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? am awaiting access - but I suspect it is    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. assigned - debt purchaser has issued the claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Pretty certain - Yes   Did you receive a Default Notice from the original creditor? pretty certain - Yes   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? there's been gaps - they went very quiet  Why did you cease payments? Covid lockdowns  What was the date of your last payment? i thought it was 2020 - they say 2021 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
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      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.
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If a DCA posts up your personal details on the web to pressure you in to paying, I think it would be equitable to return the compliment.

 

In the meantime, they do not. You posting such details up on them without such a reason would be vindictive, immature and not get you anywhere with your problems.

 

Keep it in the private domain, but by all means use the public sources to get to the right people for complaints etc.

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Such as name, address, dob, FB profile all of which are freely available on the net?

 

I see no issue with that, as long as the information is freely available by searching (the correct areas) of the internet & that you provide a link.

 

You must make sure that the information is up to date.

 

You have also forgot to add in a StreetView piccy of their house/apartment :wink:

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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I see no issue with that, as long as the information is freely available by searching (the correct areas) of the internet & that you provide a link.

 

You must make sure that the information is up to date.

 

You have also forgot to add in a StreetView piccy of their house/apartment :wink:

Stigman

 

I think its only fair, that if they have free access to my details, then I should be able to access their details

If they write to me at my home address, it's only fair to let them know that I have theirs

Yes the info is all there, and from the 'correct sources' along with the option of contacting them by private email if I so wish

 

This is just a game, one that they have already lost ;)

 

Ermm, streetview !! Some people do live a grand lifestyle based on the misery of others ;)

 

Here's a handy link: itraceuk co uk

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I think its only fair, that if they have free access to my details, then I should be able to access their details

If they write to me at my home address, it's only fair to let them know that I have theirs

Yes the info is all there, and from the 'correct sources' along with the option of contacting them by private email if I so wish

 

This is just a game, one that they have already lost ;)

 

Ermm, streetview !! Some people do live a grand lifestyle based on the misery of others ;)

Here's a handy link: itraceuk co uk

 

Indeed, the tool works both ways, we can find them if they can find us.

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Directors/CEOs /COOs data is often posted on this forum, and used for addressing " formal complaints" much data is available on LinkedIn Premium.

 

 

Although it may be a problem placing a company directors personal details on the internet, home address etc.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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[quote=BRIGADIER2JCS;

Although it may be a problem placing a company directors personal details on the internet, home address etc.

 

Yes that is a bit of a grey area, but nothing stopping me from writing to them, or sending them a birthday/xmas card ;)

 

I play poker, and one of the key elements in that, is to know your opponents.

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Yes that is a bit of a grey area, but nothing stopping me from writing to them, or sending them a birthday/xmas card ;)

 

I play poker, and one of the key elements in that, is to know your opponents.

 

 

You may well be going down the road of vexatious actions /harassment should you send " business" post to a home address, the "director" is entitled to separate home life from work.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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You may well be going down the road of vexatious actions /harassment should you send " business" post to a home address, the "director" is entitled to separate home life from work.

*Business* being the key word here

 

Perhaps I should consider their phishing letter as as a form of harassment then?

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company directors are supposed to have their home addresses listed at Companies House so it is public information. needless to say, many dont do this and use an office address instead. This is unlawful but no-one has ever been rebuked for doing so.

So, can you post up the home address of a director of a company? Yes. Can you use the information to threaten or harass them? No.

I have in the past written to the home address of the boss of Ebay Uk to send legal documents to them rather than the letterbox registered addtress they have and ignore. You may do this but be careful of what you send that way. A cease and desist letter is OK but a general rant about their company might be enough to get their attention for the wrong reason. I'm sure you are a reasonable person and know the difference anyway so you have really already answered you own question.

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I think its only fair, that if they have free access to my details, then I should be able to access their details

 

 

They have free access to your data because you gave them permission to do so. If you look on any agreement it will say about passing details to a third party, DCA are one of those third parties.

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They have free access to your data because you gave them permission to do so. If you look on any agreement it will say about passing details to a third party, DCA are one of those third parties.

 

That would be a yes and a no. Details such as name, past address yes. But no as too my present address, this would've had to be gained by other means. IF there is a debt it would be well in excess of 8 years,

And we have moved twice since then (no not hiding, we sold our flat and brought our current home out in the sticks)

 

ericsbrother - I don't do rants, it's counter -productive, I do polite and legal, and sent to the correct address, never to a Virtual Office or a PO Box ;)

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