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    • Thanks. In that case when it comes to preparing my court bundle I will remover the Bradbury v UPS case. And I agree, @occysrazor 's case is the strongest asset I have in defence. Hopefully the necessary literature will be available by the time of my court date.  
    • Some of this seems to hinge on him not being properly instructed by POL or their legal reps. He was said to be an independent expert but doesn't seem to have known that he should reveal all evidence he was aware of and not just the bits that suited Fujitsu/him. I know he asked for immunity from prosecution, is it still the case that Wyn Williams doesn't want to do this? The last I saw there was still a perjury ivestigation.
    • So I like a bit of fun with the horses and have a few profitable tipsters, when i make a profit i re-invest and try more, nice little way to work on the side. This site looked promising however after joining a Telegram group I was not at all happy with the service as it was completely dead.. a week went past... I thought it was brokedn (expecting 14 tips by now)... 2 weeks went passed.. a tip came in about something happening in a few weeks... the month was nearly up (£49 couldnt be recouped by these bets) I complained via email asking for a refund as it was not as advertised, website says 1-2 tips a day, i expected that.  There's no way i could recoup £49 a month on 1 or two tips.  I didnt get a reply. I tried again,  no reply. Ive then had to up the email wording to request Im now really not happy. I get a reply and it appears they agree a refund (this doesn't get processed) Fed up i send a notice before action letter. I then get various emails of a very unprofessional manner and one towards the end that sounds a bit like a threat. I would encourage others to be very cautious about this website and if that was a threat (I know where you live, i have your postcode)  It becomes a police matter.  Im sure, it is just a recording of my personal data so I cannot be allowed in the telegram group again. Either way, is there anything ive missed? Emails below in order.   On 22/05/2024 11:31,  wrote: Hi I havent had a response to my last two emails, and Im not getting what's displayed on the site (1-2 bets a day) Please can you process a refund as its not what I was expecting   Thanks   --------- From: info@premiumracingtips.com <info@premiumracingtips.com> Sent: 22 May 2024 12:17 To:  Subject: Re: REFUND   Hi X, Are you still in the private telegram group? Regards, Ash -- On 22/05/2024 12:21, I wrote: Hi Its all still logged in yes as per the day it was set up   thanks ---- From: info@premiumracingtips.com <info@premiumracingtips.com> Sent: 22 May 2024 12:25 To:  Subject: Re: REFUND   Hi X That is fine. When did you send the previous emails? This is Marc speaking here I run the service. So on the 1-2 bets per day, some days there are no selections because there is no value or information. It is impossible to make profit long term betting every single day. Did you get on Macduff 33/1 for the Derby? Regards, Marc ----- From: X Sent: 22 May 2024 12:41 To: info@premiumracingtips.com <info@premiumracingtips.com> Subject: Re: REFUND   Hi Marc, I sent a mail on the 16th initially then Monday this week to follow up.   Yes, Got a Derby tip through but nothing else in a week   Ive based this on needing £50 profit required to break even, so expecting 1-2 bets a day (sorry) , £2 average bet profit needed to make a small profit after the subscription fee, as a test then move up as confidence grows   I probably need a larger starting bank to benefit from this properly.   Thanks X ======================================== Then, no further correspondence received until almost a month later: ====================================== 17/06/2024 Good afternoon,   Further to my correspondence below I am notifying you of court proceedings.   If I do not receive a satisfactory response from you within 14 days of the date of this letter, I intend to issue proceedings against you in the county court without further notice. Court fees will be added to the final invoice adding £215 minimum to the refunded amount and this will affect your ability to get credit.   I refer you to the Practice Direction on pre-action conduct under the Civil Procedure Rules, and in particular to paragraph 13-16 which sets out the sanctions the court may impose if you fail to comply with the Practice Direction. I look forward to your acknowledgement. Yours faithfully, X   ============== NOW i get a response! =============   Tuesday 18th/06 Evening X Firstly, I know the law (family member is a QC) so this legal jargon does not work with me. Secondly, you were already processed a pro rata refund on the 5th of June 2024. Sometimes this does not appear on the bank statement. The bank can find this with the Acquirer Reference Numbers (ARN) - 88888888888888888 Once the bank have confirmed this I would personally like an apology for the time you have wasted and the serious accusation. Regards, Marc =================================================== I was going to drop it at this point, throw it in my spam folder as a mistake in my judgement, lessons learned to do due diligence on such a company next time, however this then got my back up when a pestering follow up arrived: ==================================================   From: info@premiumracingtips.com <info@premiumracingtips.com> Sent: 20 June 2024 18:35 To:X Subject: Re: Notice Before action - Court proceedings   Hi X Still waiting on a response and an apology? Regards, Marc --------------------------- On 21/06/2024 09:11, X wrote:  I dont think you read the email correctly, so I will presume you misunderstood.   The only thing Im sorry about is using your service.    To recap:   You didn't respond to emails, of which I had to send multiple to get an ounce of attention You did not confirm any refund or ask to agree on pro-rata reduced refund You do not send out 1-2 tips a day as per your website (trade description act breach) And you seem to forget who is the customer here, you have been dismissive and non responsive and now asking for an apology??   My 14 day notice still stands, I am currently not satisfied with the response and a full refund is still outstanding.   This can be processed easily and without further waste of time. Please process this or send on your final response on this matter (letter of deadlock) so next steps can be taken.     ------------------------------------------------- Sun 23/06/2024 21:18 High importance You replied on Mon 24/06/2024 09:06 Evening X Thanks for another email. Payment has been refunded Acquirer Reference Number (ARN) 8888888888888888888 (altered for security) I am sending this again as you did not acknowledge you have received the refund. This was processed on the 5th of June 2024. Sometimes I have bad actors that join my service and try and defraud my business with similar tactics to what you are attempting. It's pretty embarrassing that you are attempting to defraud a business after you have already been refunded. Tells me a lot about your character. I advise you use this link - https://www.gamstop.co.uk/ Also, for future reference this is your postcode - xxx xxY ???  (altered for security) Regards, Ash -------------------------------------------- My final mail: --------------------------------   I do not agree with any of your statements, in order for fraud to occur something must be untrue. You have other unhappy customers, that's interesting to know.   I acknowledge a partial refund has been received for  £24.99  - so  £25 is still outstanding.  I do not agree to a pro rata refund for something I haven't received.   Thanks for the link, but it doesn't apply to me (unless that was an insult, if so, you're 'business' condones insults to customers?)     Thank you for acknowledging you also have my personal data on file. Under GDPR, I do not consent to you storing any of my personal data and this now must be deleted as well as anywhere it may have been shared.   Thank you  
    • He will be grilled thoroughly, however those above him as culpable.
    • Here is the start of the revised letter to IPC.  do not worry about repercussions from CPM they should have enough problems without  picking on you as well. particularly as they know the case against you is lost.   IPC  Waterside House, Macclesfield SK10 9NR Dear IPC, I am writing to complain about a serious breach of the Protection of Freedoms Act 2012 by UKPCM. I feel that as it is more a breach of the Act rather than not just  complying with your Code of Practice which is why I am bypassing your operator. Should you decide to insist that I first complain to your operator, I will instead pass over my complaint to the ICO and the DVLA . My story starts with being issued a  PCN on 8/3/24 which was sent by post on 13/3/24  [deemed delivered 15/3/24] which I did not receive and had to send an sar after receiving the Reminder on 16th April 2024. Despite being not the only motorist who has not received A Notice to keeper from CPM. that is not the reason for my complaint. The reason is that when I received the NTK as a result of the sar I noticed that it stated I had 28 days to pay their demand starting from the day after  the NTK was given.  As the NTK was deemed delivered on the 15th March 2024, the earliest the Reminder could have  been sent was the 13th April 2024 which was a Saturday. Yet not only was the Reminder sent a day early before the 28 day period had elapsed their Reminder averred that the 28 day period had elapsed. This is a serious breach of the Protection of Freedoms Act Schedule 4 S4 [4] 4)The right under this paragraph may only be exercised after the end of the period of 28 days beginning with the day on which the notice to keeper is given. It is also a breach of your own Code of Practice and calls into question their ability to obtain keeper details from the DVLA. I believe it is a breach of my GDPR . I assume that my CPM Reminder is not the only one that has breached the Act so as you will have to contact CPM and presumably the ICO and the DVLA  I will not be expecting a reply from you for 10 days. However I do hope that you can expedite the matter to avoid me complaining to the ICO and the DVLA.                                        Yours Sincerely  
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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.
      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.

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      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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HSBC/DG CCJ/CO - old OD - cleared, now what?


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Hello,

 

firstly, I've messed up big time, though circumstances and ilness I'm in a predicament.

 

I had some bank charges from HSBC. About £2000. I didn't deal with it and it went to court and they got judement against me.

 

They then put a charge against my house and now I have had a letter from the court saying that unless I pay the now £3250 they will send the bailiffs. Which will add more to the debt.

 

I'm not in a position to pay the whole lot, but I can pay a few hundred, maybe more.

 

Please can someone suggest the route to take and help me write letters.

 

Thank you,

 

Desperate Sue

Brought to my knees by the banks, but up and standing again. Nearly.

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Anyone?

 

Will a simple letter to the court / dg solicitors stating I can't afford the full amount, but offering, say £50 per month be the way to go?

 

Thanks

Brought to my knees by the banks, but up and standing again. Nearly.

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Thanks, Nometer.

 

I've got one of those forms.

 

I have a couple of questions:

 

1) I have some considerable credit card debts, none of which I'm paying off as they have failed to produce a valid CCA. If one does turn up and I have to start paying, I guess I will have to apply for a change in payment.

 

2) I have some luxury expenditure - for example I send a daughter to a private school, she's approaching her GCSEs so it would be unfair to remove her, but how will the court view this?

 

3) I have recently changed job. I took a pay cut for a shorter commute. The thing is that I haven't had a proper pay day yet - the two I have had there has been no tax taken, so my current account looks quite healthy at the moment. I guess I just haev to explain that.

 

4) I owe ground rent and management fees of about 2k on a buy to let property that makes no money. How should I handle that?

 

I'm looking to pay about £50 per month. Is this likely to be acceptable to HSBC, or will they want more and use the CO to force the sale of the house.

 

Thank you so much for your help, all these issues just get on top of me sometimes.

 

Sue

Brought to my knees by the banks, but up and standing again. Nearly.

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The other thing is that I was not on the paperwork for the charging order - the papers only went to my other half. In fact this latest letter I have now has his name typed, then my name added in in scrawled hand-writing. And the date the payment must be made by is handwritten and illegible.

 

This can't be right, can it?

 

Thanks again,

 

Sue

Brought to my knees by the banks, but up and standing again. Nearly.

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Sue

 

When you say your name wasn't on the paperwork, so you mean on the original judgment & claim or just missed off the CO in error?

 

Doc

Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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I'm pretty sure that the CO should be removed if the Claimant wants to use bailiffslink3.gif/HCEO to recover the debt.

 

They can't have it both ways!

 

Unfortunately they can. Went to a case about 3 weeks ago and in the first instance the Judge said the same - that they couldn't have it both ways. The claimants solicitor came up with some case law which showed they could and the Judge had to allow it.

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  • 1 month later...

OK - I sent off an N245 with income and outgoings and an offer to pay £50 per month with a £50 cheque and the court fee.

 

I haven't heard back from the court and it is the next month - do I pay £50 to the court for this month even though I haven't heard?

 

Thanks,

 

Sue

Brought to my knees by the banks, but up and standing again. Nearly.

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  • 2 years later...

Hi,

 

I have a CCJ which was for overdraft fees with HSBC.

 

The amount was about £3000.

 

They won the case and a £50 per month payment was agreed with the court which I have been paying regularly.

The amount outstanding is now down to about £1500.

 

I recently had a letter from DG Solicitors saying that because I had kept upto date with repayments that they thought I could afford to pay more.

 

The letter also suggested that they may offer me a discounted full and final payment and I should call their office to discuss this.

 

My situation has changed and I can probably afford to pay more, but the £50 a month suits me at the moment.

 

I am interested in the full and final offer, but I can't see how I can approach DG solicitors about this without indicating to them that I could afford more than the £50 a month.

 

Is the F7F offer likely to be at a significant discount?

 

Is there a good way of approaching them about it?

 

 

Thanks,

 

Sue

Brought to my knees by the banks, but up and standing again. Nearly.

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they PCM was set by the judge

 

DG CANNOT change it.

and if they do, they are in contempt of the judges ruling.

 

so you are safe to write and offer a settlement.

 

i'd suggest starting off at £500.

 

when did they get this CCJ?

 

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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should be on your credit file

 

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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Follow dxs advice. They seem to think they are above the law.

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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you said a CCJ.

 

so they got a charging order too?

 

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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They did. CCJ and charging order.

What's most annoying is that the debt was entirely made up of bank charges.

(At least the debt before court and solicitors fees etc).

Thanks,

Brought to my knees by the banks, but up and standing again. Nearly.

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Did you ever use BCOBS or get the FOS involved?

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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I never used BCOBS, but I did start down the track of reclaiming bank charges - everyone was having a go back then - but I didn't follow through with it. I was over whelmed by other stuff going on in my life at the time.

I think I am more able to cope with things now, but doesn't the fact that HSBC/DG won in court mean that I have no recourse now?

Thanks,

Sue

Brought to my knees by the banks, but up and standing again. Nearly.

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a charging order does not actually 'have' to be paid

 

unless the judge orders it.

 

so did you attend court

on the CCJ

and the CO?

 

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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