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    • Is this sufficiant for a letter of claim  ? Letter Of Claim       Reference: Techzone Mobile Phones Samsung A71 Mobile Phone £140 Purchase date 29. 5. 24     I the claimant purchased a 2nd hand Samsung A71 mobile from Techzone Mobile Phone unit 10 of the indoor market at the Potteries shopping centre. Initially the phone worked well until I used the camera and found debris in the camera lens spoiling pictures making it not fit for purpose. I contacted the seller who offered a replacement which I initially accepted but later rejected and wanted a refund in full which the seller refused saying they Do Not give refund is unlawful and goes against the Consumer rights act 2015. Therefore I intend to issue proceedings against you in a county court without further notice unless you reimburse me the above amount in Full within 7 days from the date of this Letter     ------------------------------------------    I think its best if i hand him the letter as posting it might not get through so can claim expenses traveling up there ?   or would it be best to just post and get 'Signed for'  ?   Should i also put in the letter of claim interest added or leave that till the Particulars letter ?
    • Ok thanks, I really need help with my mental health over this I’ve called 111 Hi sorry just one more thing can they contact my workplace?
    • Sorry to shatter your leftie dreams 🤣😂🤣😂     Donald Trump gets a SIX-POINT bump in approval after being found guilty on 34 counts according to snap Daily Mail poll: 'I think it was a waste of taxpayer money' WWW.DAILYMAIL.CO.UK Teflon Don rides again, according to an exclusive poll for DailyMail.com which found that the guilty verdict in Manhattan... James Johnson, who conducted the poll, said Trump might be waking up as convicted felon but he was winning over the voters who matter.   Our snap poll of a representative sample of likely voters shows that for most Americans the trial has not changed their deep-set views of Trump,' he said.  'But amongst those who are open to changing their mind, people feel more positive by a margin of 6 points. That is outside of the margin of the error of the poll and we are saying that is significant. 'It extends to Independent voters too. Look at the explanations and it is clear why: people feel it was a politically motivated trial and view Trump as a "fighter" against what they see as injustice.     
    • Which Court have you received the claim from ?  Civil National Business Centre Northampton NN1 2LH Name of the Claimant ?  PRA Group UK Portfolios LTD   How many defendant's  joint or self ?  Just my self Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to.    24th May 2024   ^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE ON THE CLAIMFORM IS ONE IN THE COUNT [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days in total   Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total)  if your defence filing date falls on a W/End, you must file by friday @4PM     Particulars of Claim   What is the claim for – the reason they have issued the claim?  The claimant claims the sum of £22,000 for an outstanding debt owed. On 30/1/18 the defendant entered into n agreement with Lloyds Bank Plc for a bank loan under the reference 10017#######. On 4/1/19 the defendant defaulted on the agreement with an outstanding balance of £22,000. On 30/11/22 the debt of £22,000 assigned to PRA Group (UK) Limited, who itself assigned the debt to PRA Group UK Portfolios Ltd on 30/12/23. Notices of assignment were sent to the defendant in accordance with S136 Law of property act 1925. 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 £22,000. What is the total value of the claim?  £23,500 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ?  Yes Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No Did you inform the claimant of your change of address?  No - N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account?  Bank loan When did you enter into the original agreement before or after April 2007 ?  No Do you recall how you entered into the agreement...On line /In branch/By post ?  I believe it was done online on their app Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ?  Yes 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.  Debt was with halifax, whom passed the debt to PRA Group. Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes Did you receive a Default Notice from the original creditor?  I'm not completely sure at it was nearly 6 years ago, I have done a CCA request and they have sent a screenshot of their system showing it was sent. Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ?  Yes Why did you cease payments?  Couldn't afford to make payments. What was the date of your last payment?  August 2018 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
    • It’s all with current lenders and no missed payment to date. so with any reduced payment to them it’s likely to be going to debt collectors at some stage. we jointly own a property together me and my partner 
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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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NPOWER - Complain, OFGEN or other route


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Stalling, most probably. But there is a clause in the Data Protection Act 1998 which allows a data controller to request more infromation to satisfy them as to the identity of the person requesting the information:

 

3) Where a data controller—

 

(a) reasonably requires further information in order to satisfy himself as to the identity of the person making a request under this section and to locate the information which that person seeks, and

 

(b) has informed him of that requirement,

 

the data controller is not obliged to comply with the request unless he is supplied with that further information.

 

If you've not moved address, the account is soley in your name and you were able to quote your account number in your SAR to them - it probably would be a little unreasonable to request two forms of ID. They didn't ask for any ID in our situation. The form wasn't necessary either.

 

Ignore the listing of the dates and times. You are entitled to everything they have regarding you and your account. Perhaps best to supply them with copies of ID so they don't have an excuse not to comply with the SAR.

 

Wouldn't bother with the form but would make clear you want all the information they have about you. Think the only reason they use those forms is to get people to "agree" that Npower only needs to provide the bare minimum, as per this in bold:

 

8) Provisions supplementary to section 7.

 

(2)The obligation imposed by section 7(1)©(i) must be complied with by supplying the data subject with a copy of the information in permanent form unless—

 

(a)the supply of such a copy is not possible or would involve disproportionate effort, or

 

(b)the data subject agrees otherwise;

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Yes, I agree completely. This is stalling.

 

If there is nothing changing your personal details and they have been sending bills previously exactly to that address then there is no reason for them to ask any further identification.

 

In terms of asking exactly what you want – exactly as you've been told above, you are entitled to all personal data.

 

In order to hurry it along, I suggest that you provided with some kind of ID like current energy bill. But after that, I suggest that you tell them that the clock is ticking. The 40 days has already started to run its course. That your details are exactly the same as when they had your account and they were mismanaging it and therefore you consider that they are just prevaricating.

 

Finally point out that your subject access request is asking for all personal data and that they are not entitled to ask that question.

 

Tell them if they do not satisfy your 40 day deadline then you will be making a complaint.

 

Get the letter off now.

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Cheers guys, I thought as much. I'm not near the PC until this afternoon but will type up a letter as suggested and copy some ID for the sake of not giving them any excuses (I'm at the same address, was the sole account holder and they continue to send bills erc here!).

 

Each passing day BF proves what you warned me at the start, it is clear only court action will move these people.

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Today's post brings yet more good tidings from our friends at npower - it seems I must act now to avoid court action. Seemingly this will bring with it all sorts of dire consequences. Then again it is only 'likely' that they will try to recover the balance via the courts, according to Mr Pickles. I also note the letter doesn't state letter before action - I thought surely it must if they actually plan to issue.

 

 

With a bit of luck they'll issue proceedings and save me the trouble and cost.

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Is there any hard evidence to show Mr Pickles is no longer with Npower?

 

His LinkedIn shows he is still working there, although it is entirely possible he has not updated it.

 

Edit:

 

As per batman1956's post below (thank you!):

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This is an extract from a thread on npowers' official Facebook page.....................npower Hi Carol, Gareth Pickles used to head up our Customer Services area but no longer works for npower. Myself and the team are here to help if you can send over your account details in a private message. Carmel

Dont let the parasite dca's prosper

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Well there or not his name is on the letter. I've emailed to add to my complaint but in reality I've emailed to add to the evidence I will be presenting as part of my case.

 

 

Now writing the letter about the SAR which I will post recorded delivery on Monday - I'll post it when finished for peoples opinion, corrections and suggestions to add impact

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Ok, so this is my suggested response to their SAR letter, thoughts and suggestions for improvement anybody?

 

 

FAO: SAR Team

3rd Floor Bowes

CIC Team

Npower

PO Box 188

Houghton Le Spring

DH4 9DB

Dear Ms Barton

Re: Your letter dated 23/04/2015 regarding account number

I was somewhat surprised to receive this follow up to my SAR request some 3 weeks after you received my request and payment of the statutory £10.00 fee.

As you will undoubtedly be aware from looking at my account, my details have not changed. The address is the same as the one the mismanaged account related to and you have been quite happy to send bills and reminders to me at this address without any identity verification. Your letter feels very much like little more than prevarication. Nonetheless I have included a copy of my driving licence and recent council tax bill as absolute proof of my identity to ensure the process is not unduly delayed.

As I am sure you are aware the legislation is quite clear, you have 40 days to comply from receipt of my valid SAR with payment. The clock started on those 40 days when you received my request. I will be reporting any failure to meet the 40 day deadline to the information commissioners office.

On a final note my request was clear, I require ALL personal data including, but not limited to, any recordings of calls, screen notes, account notes, bills and statements. You are not entitled to require me to specify which data I require.

I look forward to receiving the requested data by the deadline date. For the avoidance of doubt I calculate this date to be 11/05/2015.

Edited by L1882
remove account number - oops
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Did you pay by cheque? and has it been cashed? - when?

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Please can you check with the post office the date that the order was cashed.

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We need the encashment date because if they had any doubts then they should not have cashed them.

Please get the date

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Ok I'll try and get that - I will have to find the post office receipt for the PO's (wish I'd sent a cheque now, so much easier!) and then ask for the encashment date as I didn't record the numbers sent with each request - didn't even realise you could check when they had been cashed.

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I never understand why people send POs rather than cheques.

 

I also don't understand why people don't keep PO stubs when it is so obvious that if something goes wrong then they have no comeback without them

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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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That's good news. Let's find out the date it was cashed. It might help a lot

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In the end I see this as the long game anyway. The longer they mess about the more threatograms I get then the more weight they add to my case when it's brought for the enduring stress and worry they are causing me.

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So developments today. I received a call advising me my complaint was being looked at and I should hear back quickly - maybe today but certainly in next 2 weeks. Now received an email which basically saying that as a result of problems at their end the bill was late and qualifies for a write off but this needs authorising and will be confirmed.

 

IF they do refund do I still have good grounds for a case as a result of the distress and inconvenience caused - or would the courts likely view that in a dim light?

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I'd hang fire a bit and see what their SAR reveals. But from what you've said so far, they've badly mismanaged your account which is still a breach of contract.

 

Even if they do "write the bill off" - who's to say the bill was valid and accurate in the first place? Experience has shown they don't have a bloody clue at the best of times.

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