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    • When I go into MCOL the only document is the Defendant's Response from Sept 4th, there they state that they dispute the claim and then every space on the form states "see the email we send to the courts and N244 etc". (uploaded PDFs above).   So does the latest N244 and witness statement count as their defence? Feels like a complete abuse of process.
    • Thanks for replying DX.   Yes, It was over the 50% No, I didn't use your VT letter   The only thing I'm worried about, is the impact on my credit file, which until Link intervened was excellent.   What is the 'seby summary line'?  
    • Did you not receive a notice of sale before the auction, stating time and place of sale and your amount outstanding? Schedule 12 40(1)Before the sale, the enforcement agent must give notice of the date, time and place of the sale to the debtor and any co-owner. (2)Regulations must state— (a)the minimum period of notice; (b)the form of the notice; (c)what it must contain (besides the date, time and place of sale); (d)how it must be given.
    • Summary disposal /Judgment now without even submitting a defence....... they never intended submitting a defence with or without an agreed extension.   Evidence: applicants must identify the point of law or document to be relied on and state the grounds for making the application in accordance with CPR 24.2.   An application for summary judgment is usually only made once the defence or acknowledgement of service has been filed. Summary judgment applications are suitable in cases where the party making the application considers that the case is a clear cut matter of fact or law, in which oral evidence is not required. It is also used when the applicant considers that the other party has insufficient evidence to prove its case. There are considerable potential savings in terms of time and costs.   An application notice must be completed, then filed and served along with the supporting evidence - usually a witness statement together with copies of any supporting documents. The supporting evidence will set out the reasons why the applicant considers summary judgment to be appropriate.   The respondent also has an opportunity to rely on written evidence, which must be served in good time for the hearing.  
    • It goes on and on.   Did the bars staying open even hold water? This is in the article you linked to. My bolding. The regulations announced by Boris Johnson last Thursday state that “workplace canteens may remain open where there is no practical alternative for staff at that workplace to obtain food”.
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    • I’m in desperate need of help
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
      I’ve got copies of numerous messages sent to and from twitter messages as it’s the only way I can contact them
      I’ve also contacted their customer service too
      all I get is PayPal have cancelled refund because dispute is still open.
      I have proved that the dispute is closed
      I have got an email saying that if Evans sent the refund they would accept it
      but up until the date I got the email they have not once attempted a refund .
       I have sent them a letter before court email
      I have even offered to have the full refund as a gift card just to get this sorted !
      I’m literally at the end of my tether and don’t know where to turn next !
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .

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then back to post 2 again then.




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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RLP will not do ANYTHING. They havent done anything to anyone since 2012. Why? Because they CANT.

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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  • 4 weeks later...

I've read some of their other letters on other threads and they mention that they may 'advise the client to issue proceedings' if it not settled.



I'm really scared about receiving that letter.



If I write to them and inform them of my antidepressants will they remove the fine?


I have now received my third letter.


I have attached it to this reply.


Could you take a look at it and let me know if this is normal?


When will they stop writing to me?


How long will I keep receiving these letters?


I leave this flat in 2 weeks until middle of July

when I come back for uni graduation and then my tenancy ends forever and I move back home.


The letters won't reach me so if I do get a court summons I won't know. I'm scared.


The letter basically keeps asking for me to inform them of any circumstances which I would like to be taken in to account.


I think they are saying this cause I told the security guard about my antidepressants.


If I inform RLP about my medication and tell them I was stressed with uni exams and money problems will they drop the claim?

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there is not nor will there ever be any court claim


ignore 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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Billi you wont get taken to court by RLP, they are all hot air and p***, please calm down and enjoy the celebrations for ending your Uni time...you have worked hard and deserve some party time :)

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You have made it so far so not much further to go. I wouldn't do this but it is your choice on what to do.


A couple of others have obtained proof of their mental health issues and sent it to RLP where they have stopped the chasing. If you decided to follow this route, you would need to go to your GP and get written proof so that you can forward this on to RLP.


I am only mentioning this as it is right for you to have all the options available bearing in mind that RLP do not have to accept anything in mitigation and of course you would be admitting to the 'alleged' actions.


Personally, I would stick it out. Once the debt collection letters start, you are nearing the end. You have done well so far. You can do it. :-)

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Also they sent a FAQ sheet and it says their claim is NOT a speculative invoice


Please continue to ignore as advised, your nearly at the end of the letter chain now & your doing well.


If you have a spare 5 minutes, can you scan the FAQ sheet please.



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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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