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    • Yes, you should have applied for an immediate strike out as soon as the deadline expired. Without the agreement, they are stuffed Forget Barclaycard, Asset link is now the creditor, and it is down to them to provide the agreement.  That needs to go into the witness statement. They have not provided the agreement contrary to directions of the court and request the court strike out the claim as to the original court directions.
    • I did not receive a notice via post but in my claim status it shows my claim was transferred to a court I requested in my DQ, as it is closer to me.    Defense I filed:  1.       The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2.       The defendant paid the lead tenant a fixed sum monthly bill without fail for the extent of the rental period of the accommodation their contract was associated with who was responsible to make payments to the claimant, ending in June 2023. 3.       After moving out, a month later, the claimant wrote to state that an outstanding sum existed. Further stating, as one of the 10 tenants at the time, I now owed them the full sum instead of my 1/10 proportion of said debt, as 10 students were at the dwelling. They also intimated that they were legally allowed to charge me the full sum if the other renters were not to pay their share under some equal and joint severity rule. 4.       Despite sending numerous requests prior to the court claim being raised for copies of said bills for said utilities covered by the agreement, the claimant failed to send any clear bills. This included a CPR 31.14 on xx/xx/xxxx sent via post. 5.       The defendants stress that they acted in good faith to settle the outstanding balance, as evidenced by the confirmation received from the claimant.  Any subsequent demands for additional payments are unwarranted and contradict the claimant's previous acknowledgment of settlement. 6.       Pursuant to OFGEM code of back billing rules the alleged charges relate to charges which have not been billed correctly by Co-operative Energy and are therefore prevented from charging. With the court’s permission the Claimant is put to strict proof to: - a) show and disclose how the Defendant has entered into an agreement. b) show and disclose how the Claimant has reached the amount claimed. c) show how the Claimant has the legal right, either under statute or equity to issue a claim. 7.As per Civil Procedure Rule 16.5 (4) it is expected that the Claimant prove the allegation                  that the money is owed. 8.It is therefore denied that the defendant is indebted to the claimant as alleged or at all.
    • Paint is a free programme on any Windows PC. But don't worry, the choice here is not either perfection or nothing. As you say, use your scanner, save the file ... and then use the "choose files" option when you post to CAG to add the file. We can do all the redacting and converting to the correct file type at this end.  The important thing is just to get the info to us. Why not do an experiment this afternoon and see if the above works?  
    • I see they're trying to round up asylum seekers and lock them up for about three months so they can be put on planes to Rwanda. I'm a bit surprised that this is legal.  
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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Halifax card and 1st credit


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which you should be well vested in spotting having been here so long now

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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Did make me wonder why they sent that nonsense?

 

Keep rattling their cage and they're gonna bite.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Yes I realise that now Bazooka but I kept getting discount offers, some old statement printouts (not originals), copies of terms and conditions with my address typed in, then various County Court threats.

 

I only responded in writing to remind them that they had previously failed to provide a copy of a signed credit agreement and to stop harassing me.

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well don't!!

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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  • 1 month later...

Just an up-date on my situation.

 

I did not respond further to last correspondence from 1st Credit.

 

I have today now received a further letter threatening internal legal department proceedings if I do not respond within 10 days to discuss a repayment plan.

 

Is this just their usual practice and I just ignore it?

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scan up to pdf

read upload

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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Thanks dx please see attached.

 

Previously sent copies of old statements and prescribed terms.

 

No signed CCA agreement.

 

Would they be witholding the agreement do you think?

 

Further to my previous post, I have up-loaded previous correspondence received from 1st Credit.

 

I am a bit confused regarding the comments iro submission of a signed CCA agreement.

 

My original request was in 2015 and never provided and I stopped making payments.

 

Thanks for looking and any comments appreciated.

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ignore the pointless twaddle

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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Thanks dx so just bin it then?

 

NO!!! NEVER ever bin anything, you ALWAYS keep their tripe and file it away for future reference, and to support any counter arguments.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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well scan and bin or give it to hampster

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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  • 2 weeks later...

so you might get a new PAP letter then...

https://www.consumeractiongroup.co.uk/forum/showthread.php?481827-The-Pre-Action-Protocol-for-Debt-Claims-is-made-by-the-Master-of-the-Rolls-as-Head-of-Civil-Justice.-1st-Oct-2017

 

when you get 5 mins

can you scan up the FULL CCA return again please its not here anymore

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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Hi dx,

There is no Full signed CCA.

All they have sent is a reconstructed credit agreement and term details with my address added but no agreement number or signature.

Please see attached page 2 of letter dated 16th October, 2017 (page 1 on post # 23).

Do I again request a signed copy of agreement?

Are 1st Credit correct in saying that they have no need to provide an executed copy?

First pages of copies of agreements sent, one for each of my addresses attached.

Any help would be appreciated.

Thanks

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bogroll

there should be pages of T&C's

see other Halifax card threads

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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Thanks again dx.

 

Please see attached full copies of agreement details sent by 1st Credit, one for original address when opened (APR 28.70%) and one for my current address (APR19.90%).

 

And as my earlier posts they also sent a statement of account and some computer generated statements from 2006, in which are showing agreement number from 1990's when opened as changed thereafter.

 

Any further comments would again be appreciated.

 

Thanks for your time and any further comments.

img20171204_20524685.pdf

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for a 1991 card takeout utter.....

 

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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Share on other sites

  • 1 year later...

Just before christmas this issue raised it's ugly head again but this time a letter from Intrum advising that no contact has been made to set-up repayment plan.

 

Still never received a copy of the original signed agreement and T & C's.

 

They then went on to say that it was now being passed to Resolvecall.

 

Just ignored it / filed away.

 

Then received another letter this time from Resolvecall, asking to contact them.

 

Again Ignored and filed.

 

Then another letter received from Resolvecall advising that they are acting as a re-connection company and someone will be visiting property within 7 days.

 

Well yesterday I got home from work and there was a first time Resolvecall visit card through our letterbox.

 

Do I just ignore again?

Do I request another CCA?

Do I send them a letter regarding failure to provide details etc?

 

Any advice would be appreciated thanks.

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if you meet him again

tell him to leave your property and do not return.

else you'll ring police 101

powerless dca.

 

ignore

do not enter into any dialogue

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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