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    • Hi there. Unfortunately not. Apparently the incident was supposed to have happened on 4th Feb 2021 at 6 something in the morning. I was probably asleep at that time. Card transactions are on the statement on the 4th Feb but are from 3rd of Feb when the transactions took place. Nothing on the 4th of Feb. Although I had another car hire during that time so it would be absurd to even claim that anyone would rent multiple cars concurrently for months at a time. On top of that, whilst going through my statements, there was no payment to these guys so there is no way they'd rent a car to someone without paying a deposit or the rental fee. It's nonsense.       Hi there pal. Will check to see if they have a website now. Not sure but worried that if they'd go to the lengths of lying to the police they'd try to forge hire agreements with myself based on an old on. What they won't be able to do is provide any evidence that they took any deposit or payment from me for that vehicle or any vehicle for that matter in the time leading up to the incident. I will see about sending the SAR to them.   For the Claim form, I didn't know how to turn it into a pdf using my phone so I've taken photos of it and removed my identifying information.                 Total costs for the Claim are 10110 including 410 for Court Fees, so not sure if it's really considered as 10k or not With regards to time, I will start a list now on notes. Thanks.   I have attached the document they sent me regarding the other driver. I have removed some of his identifying info as well as he may be just another victim of these guys. The document isn't signed by anyone.   Basically when the police letter came I phone the son who's number I had multiple times and he told me it's ok, don't worry, he will sort it etc. Eventually he stopped answering my calls, so I sent him so many texts telling him to answer etc. Eventually he answered I yelled at him for using my details like that then told him I'd report him to the police if he didn't fix this. He said there must have been a mistake and that he knows someone else was hiring the vehicle. He then sent me a message on my phone with the details of the person who he claims was driving but does not put anything else in writing regarding this. I then use this to submit the information to the police regarding the incident.   I don't know what the police are doing about this. I attached the document they sent me regarding the driver (albeit it is something with no signiture that they could have put together themselves) as well as another attachment with a hand written letter explaining the fraud I believe they are committing on me as I did not rent that car from them. Might have to just go to a local police station and file an official report on these guys and their bogus response to the police fingering me out and using that to send me a Claim form. How can they do this if I did not go into their office since my last rental from the more than 6 months ago, I didn't sign any hire agreement (unless they forged one, which I wouldn't put past them), I didn't pay them a deposit or rental fee? There is no reasonable explanation how they can claim they gave a car to someone with none of the above. It's absurd.   thanks for the responses everyone.  
    • That's whet the yhellow card is for, they need anything that "Might" be linked to vaccine reporting in.
    • Many thanks @dx100uk I'll head over to the site and keep you posted. 
    • yes dx  the same one and 14 years on still paying    UB... thks have filled in online sar request to halifax  what happens if the halifax can not produce evidence of every payment made over the last 20 years off the original balance    i still have the original typed breakdown of the charges and amount house was sold for etc and the original balance  sent by the halifax 20 odd years ago
    • Yes send an SAR to Halifax.   If you have been making payments, Halifax should have full records available.   Halifax have been known to stop collection activity, if there is any doubt about the outstanding amount or if people stop paying after a number of years of making payments.  Payments made towards a shortfall debt are almost seen as a bonus, as they would not have expected payment to be received in many cases.
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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.
       
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Hi Everyone

 

I have not been on here for a long time as thought all my worries were over after selling our home of 17 years due to Acenden and another well known mortgage vulture.

 

Anyway we have been renting for the last 5 years and have received a letter from a debt collector for an old debt from 2007. They are threatening a statutory demand then bankruptcy if we don't pay in the next 7 days.

 

I am aware that all debt collectors are bully boys and have dealt with alot of them over the past. I presume this debt as it is over 6 years old cant be chased??

 

Bankruptcy is not an option as rented property is difficult to find as it is. We by the way received next to nothing once the sale of our house went through 5 years ago and live month to month as my Husband is self employed.

 

Any help would be gratefully received

 

Thanks again in advance

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Hi there

 

Unsecured debt is 6 years

 

Mortgage related is 12 years.

 

It nay help other users to upload a copy of the letter with all personal info and barcodes removed.

 

We need to know about the debt

 

Who owned it orignally

Who owns it now

How much

what type of debt

When was it taken out.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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Thanks for your response. Dont want to upload letter through fear of them being on here!

But it was a suppliers agreement for materials

£10,000

As above a suppliers agreement

Copy invoices say 2007

Think the original agreement may of been 2005, not sure as don't recall ever seeing one!

 

Hope this helps

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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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Ok Thank you - so I send the Statute barred letter then like now as letter came today and don't want to receive a statutory demand? God only knows how they knew where we lived as not on the electrol roll as not been there long enough and have moved like 3 times in 5 years and we don't have any credit

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A letter like

 

"I do not recognise any debt to you, your company or clients.

None withstanding the above, any alleged account owing from 2007 is Statute barred.

 

Any further attempts to misrepresent your legal position shall be reported to the FCA

 

Send recorded delivery, keep a copy of the letter, proof of postage and proof of delivery.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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And as you have it in writing from the very foolish and powerless DCA that they are using the empty threat of an SD as a debt collection tool, then fire of a formal complaint to the FCA as well, this wouldn't be lowlifes would it?

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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Sorry in what contexts does lowlifes mean? Also if I keep the letter short and sweet as advised would they know exactly what I was getting at - sorry just want to do the letter tonight as they have only given 7 days from date of letter 30.06.2015

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sorry what powers have they got to demand anytime limit?

 

 

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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Oh ok get you now - thanks again letter typed and ready for recorded delivery tomorrow. Also have my Husbands Dads funeral to finalise speeches etc tonight for service Friday - Happy Days!

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you don't have to send anything

pers I wouldn't

simply invites letter tennis.

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 don't really just want to do nothing as I thought I was over being scared of the postman. This is my husbands debt and he try's so hard. Been together 30 years and as said the last 5 years renting. He is working nights this week and I need to reassure him everything will be ok. They said if they don't receive payment in 7 days from date of letter they will send statutory demand and then bankruptcy

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its a phishing letter

theres nowt they can do its statute barred

 

 

I'd be saving that for if/when they ever issue a claimform.

 

 

don't forget

a DCA is NOT A BAILIFF

they have NO SUCH LEGAL POWERS.

 

 

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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So you are saying don't reply.

 

 

What worries me years ago we had some skinhead bloke turn up for a different thing

and asked for my husband as if he was a workmate then issued me with a bankruptcy letter.

 

 

I really don't want to do that again.

 

 

As it turned out the Company went under and I had managed to worm my way round things until then

- this time at the end of the day my husbands 55 and I am 48 I really cant stand the pressure

- had such a peaceful life after losing our home and god what a sacrifice that was

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some bloke,

you call the police - end of.

 

 

they have no powers they are not bailiffs

 

 

what is the debt

and who is the letter from

 

 

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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Sorry Lowlifes is the name for Lowell financial.

 

As DX say's, their time limits are arbitrary, they have absolutely no power to impose time limits on anyone, the fact that they have already overstepped the mark by threatening to issue you with a SD if you don't respond too them by a certain date, is against all of the debt collection guidleines, and should be reported.

 

This shows you just how unscrupulous these clowns are, they will say and threaten everything, in order to get you to contact them and make payments that you don't even owe!

 

This is SB, they can do NOTHING.

You could respond if you wish, BUT it simply marks you out as being the slightest bit worried by bullies.

 

Have you checked your credit file?

 

Are you 100% confident that the last payment was made in 2007?

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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The debt was for materials for a job my Husband was doing the invoices were dated 2007 and no payments were made and the dca is AR Legal Collections

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why did I guess it was AR legals.

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 I be feeling happier you said that or not?

 

 

I am still unsure whether to send this letter or not - can someone kick me up the bum to make a decision!

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they are a powerless lot of bullies.

 

 

I bet the letter does not say will anywhere.

 

 

just because someone might have found you on voters or credit file and sent you a scary letter

does mean the debt needs paying.

 

 

its statute barred

mr Rudolf will get hammered in court an he knows it.

 

 

if my spy is correct they often send out letters with threats on that they should not

on debts they know full well are not collectable.

 

 

can you scan the letter up

minus pers info

or email a scan to me and i'll do it?

 

 

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

IMHO, you should send the letter drafted earlier. It will put your mind at rest that you have dealt with it and puts them on notice that you are aware they are unable to make a claim via the courts.

 

If they do decide to send the Stat demand, then you would simply get it set aside. No hassle we can help you do this and it doesn't cost anything to set aside.

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Ok Thanks both of you I will scan it up when I get to work after lunch and take personal stuff off

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