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    • Thanks Andy,  Just need guidance on which boxes (i.e am I disputing the debt, if so why) etc.  Also, do we still need to pay £1 for the copy of the CCA, or can I request it as part of sending in the reply form? Cheers
    • @HP Mum - you've been here a long time and you have certainly been here long enough to know that we regularly ask people to avoid posting solid blocks of text because it makes it very difficult for the site team to engage and also other people who might be interested in what you have to say or maybe even give advice themselves. It's especially difficult using small screens such as telephones and telephone screens are more and more commonly used nowadays. When solid blocks of text are posted by new people, we figure they don't know any better and so we go in and edit the block and introduce proper spacing and punctuation and asked them to avoid doing in future. However you are a seasoned Cagger Your solid block of text is very long and to add to the difficulty, you have used the smaller font. I'm going to remove your post and if you want to post again then please would you bear in mind the interests of the people who are reading and who want to help you. Thank you
    • USe ours not theirs. https://www.consumeractiongroup.co.uk/topic/406231-the-pre-action-protocol-for-debt-claims-is-made-by-the-master-of-the-rolls-as-head-of-civil-justice-1st-oct-2017/#comment-5145126   Andy
    • A little thinking out of the box here by Lowell....   (2B)The duty imposed on the creditor by subsection (1) may be discharged by another person acting on the creditor's behalf.] (3)Subsection (1) does not apply to— (a)an agreement under which no sum is, or will or may become, payable by the debtor, or (b)a request made less than one month after a previous request under that subsection relating to the same agreement was complied with.   So in layman's terms they say that they are not at liberty to comply with sec77 because the agreement has ended and that nothing is due from yourself. Happy days so no chance of this debt ever seeing the inside of a court room.   Andy
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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.

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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.


      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Lloyds Credit Card. 2 years since any correspondence from them....mis-managed by PayPlan

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Hi there,


I have a Lloyds TSB Credit Card debt. Until 3 months ago, they were happy to recieve payments via my DMP Payplan. Despite that, they havent actually written to me for 2 years. No sign of being passed to a DCA.


Now my PayPlan account is closed as I have decided to deal with all my creditors myself.


Not sure if I should just wait to hear from them or take some other course of action? The outstanding balance is confusing because of PayPlans shoddiness, and my over-reliance on them.


For example, I have another bank a/c debt with Lloyds. Payplan said the outstanding was £179. Since stopping with PayPlan, the debt has been passed to Wescot, who say the debt is £451. (This is on a separate thread).


So back to the Credit Card debt - I am unsure of the amount outstanding, and wouldnt CCA request them because - as far as I know - Lloyds themselves are still dealing with it.


Thanks again in advance

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wait to see who sends you a tree first

then CCA them




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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How about asking PayPlan for a full reconciliation of the amounts that you paid, the original account balances & amounts paid to each account?


If they can't provide that then maybe they should be paying you so that you can send SARs & CCA requests

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How about asking PayPlan for a full reconciliation of the amounts that you paid, the original account balances & amounts paid to each account?


If they can't provide that then maybe they should be paying you so that you can send SARs & CCA requests

Now there's a thought! The problem is that PAYPLAN don't know if any of the creditors they are paying actually freeze interest or not, so the balances they tell me are only approximations.

Actually PAYPLAN locked me out so I can't see any account history and so on.

Much better without them. Think it will take time now to repair the damage!

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