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    • The gaming giant is offloading the Venetian in a $6.25bn deal to invest in Singapore and Macao. View the full article
    • ok best shot..   you need to reply to that letter of claim.   for debt covered by the consumer credit act:   send a cca request along with the completed form:   NOTE ONLY USE THE ATTACHED FORM below DO NOT USE THE FORM SUPPLIED BY THE DCA IN THEIR PAP LETTER!! DO NOT USE OR GIVE THEM YOUR EMAIL/PHONE NUMBER. USE ROYAL MAIL 1st class - get free proof of posting from any PO counter   box D tick   I dispute this debt because ..i refer you to our previous communications and my previous respond to your previous Letter of Claim. i am over 50yrs and have deferred as required to meet the age write off.    box I tick   I also require you to supply the following..   All signed agreements Copies All my deferment sent to either yourselves, the SLC or the SAAS to date. Copies of all communications bothways in whatever format to/from Erudio, Capquest, yourselves and Me A copy of the any Default Notices A copy of the Notice of Assignment A complete set of statements detailing exactly how the sum you allege is owed has accrued detailing: All Transactions. Any additional charges, be them by the original creditor or you xxxx the debt purchaser or any predecessor DCA. Details of all contractual interest added by whom and on what date. List of ALL Payments made toward the Agreement   no need to do the financial statement etc anything else or send anything else bar the above do NOT give them your phone nor email PRINT your name never sign the form   staple the £1  PO to the CCA request and send it to the debt purchaser return the completed PAP form below to the solicitors that sent it to you attain free proof of posting for BOTH at any PO counter 1st class mail will do. recorded is a waste of money   reply form PAP.pdf
    • There's more support for many in the Budget, but for some it still falls short. View the full article
    • no you are kidding me...   they can't be that thick surely... could be game over if they've faked it.   can you attach it to a private msg to me please.  
    • The original pdf did bring up txt boxes where my details were, it wasn't as if it was a photocopied document with my details embedded and I do find it awfully convenient it appeared the very next day after the case meeting.   The address was the same as it should have been, but ive only recently moved, this case was already in motion during my move.   Can I then just argue the authenticity of the CCA  at the next meeting? Explain that when put into a editor my personal details and only them pop up as carefully placed text boxes whereas the rest of the form looks photocopied??
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

PPS PCN - Great Weatern Hotel Swindon - ticket incorrectly displayed


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Does the letter include a pack to fill in with employment and income details etc, as per a Letter of Claim?  could you post it up as pdf just to be sure with all personal details etc redacted.

We could do with some help from you.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Hi,

 

Please see attachd

I've only included the actual relevant content of the letter.

 

Nothing in the letter regarding any employment or letter of claim details,

just the letter attached and one from PPS stating that my account has been forwarded to BW Legal. 

 

CR

PPS & BW Legal Letter.pdf

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They have used the lazy way fo sending a LBA, basically following the rules for 2 years ago rather then the current ones. tyhey have done this because it saves them a few pence in processing costs.

 

I woud respond to this as though they had done their job properly and complain about it as part fo your submissions to court if it gets that far rather than argue the toss now.

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stop using google

research on CAG using our custom google search which comes up as a box below after hitting the top squares logo .

 

until/unless you get a titled..letter of claim.. from BW yes you are safe to scan/ignore

 

as for the additional unicorn food tax, get reading here as above.

 

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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Hey guys,

 

Some further correspondence from BW Legal attached. 

It's worth noting I never received a letter from POPLA or PPS regarding the appeal result as the correspondence from BW suggests. The first correspondence I received regarding the matter post POPLA appeal was the letter received a couple of weeks (attached earlier in this thread).

I assume I can just sit on this as technically, nothing has changed?

Thanks,
CR

BW Legal 2.pdf

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the letter is nowt to fuss over but do contact POPLA and ask them why they didnt send you a letter about your appeal and if they say they did you want a copy of it plus a copy of the operators evidence bundle as you have not seen this either. If they say no then you remind them of your rights under the DPA/GDPR

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  • 1 month later...

Hi CAG,
 

So two updates for you:

1. I have today received a Letter of Claim from BW Legal on behalf of PPS with the relevant information along with a questionnaire & an income expenditure form.

2. POPLA failed to reply to my e-mail requesting information thus I have heard nothing from them and received none of the information regarding the case.

I assume I just go about filling in the questionnaire on the LBC stating I owe no debt and return it?

 

CR

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you've been here since 2015 on this 

why are you not bothering to research what you need to do?

 

no you do not use the form..

 

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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I thought I had previously reviewed a thread talking about the requirement to reply with the questionnaire, hence asking for clarification - obviously I'm incorrect. Better to ask and get it wrong than go ahead and make a mistake though right? 

I'll post up a copy with the personal information redacted for review shortly.

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The EB snotty letter speaks more of that you know they  have no leg to stand on, using "their" form merely encourages them to carry on hoping you will fold and cough up  if they send a Claimform

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

 

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Filling in and sending their questionnaire is NOT a good idea, EB's style letter is way to go.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

 

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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just type in BW Letter of claim 

in our custom goggle search box that comes up after hitting our top squares logo

 

plenty of example of the snotty/insulting reply to send

 

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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  • 4 weeks later...

Hi CAG,

 

I sent the insulting letter as suggested. I received a quality reply from BW that I just wanted to update you all with for a giggle.
 

The letter contained the normal rhetoric and nonsense case law, but the real giggle came in the form of the "evidential" imagery they attached to the letter.

They attached pictures of a car that has nothing to do with me and was dated 2 years after my PCN was issued. I've followed it up with a snotty letter and I'll update you when I receive a reply.

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shame you shouldn't of alerted them.

could have been a very useful weapon in court.

 

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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If you haven't sent the letter, best to keep the info. to yourself and then demolish them in court if it gets that far.

 

I notice that, even though the LBA was your final, last, ultimate chance to pay before they took you to court ... they still haven't taken you to court and are still sending silly letters.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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Yes sit on that and make the point in your defence that the evidence they relied on in their LBA concerned another vehicle  and possiby mutter about incompetent lawyers breaching the GDPR so PPS know that they have been treated shoddily by the peopel who they ahve paid to pursue this.

wont win you prizes but the judge will have their hackles up for another example of  this firm's poor work. they are well known and occasionaly commented upon in court

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