Jump to content


  • Tweets

  • Posts

    • Daft question - but you filed the defence on-line on MCOL as dx indicated, right?
    • We looked up the e-mail address so communications would be in writing.  If you do stuff on the phone the other party can just deny the contents of the conversation.  They can't deny what's written in an e-mail. So time to sort Pete out.  Check the following for accuracy and change anything I've got wrong.  Then e-mail Pete this evening.  I was thinking of threatening the pub with legal action but let's initially be nice.   Dear Pete, Re: PCN no.XXXXX, claim form no.XXXXX on 23 July 2022 I was a customer at your pub and I attach proof of purchase. I was picking up my cousin Ms XXXXX and her family as she was working as a cook with you at the time.  I entered the pub through the back door, went to the bar, and ordered a drink and a meal.  At no point did any bar staff alert me that I needed to add my registration number or did I see any signs advising me to do so.  I then took a seat outside in a small seated area so I could chat to my cousin while waiting for her to finish work.  We were joined by the management of the pub and bar staff during my time waiting  I was shocked a few days later when I received a demand for £100 from Civil Enforcement Ltd.  i contacted the pub and was told "don't worry, it's not enforceable". Well, that information turned out to be nonsense because I have now received a county court claim form from CEL. I contacted the pub again on XXXXX and was extremely disappointed to be told "there's nothing we can do". Of course there is something you can do.  You are the organ grinder.  You called CEL in.  You can call your dogs off.  Your pub has absolutely superb reviews on Google Maps regarding the way in which you treat guests.  Do you really think customers should be dragged to court?  I'm sure you don't. I am therefore requesting that you intervene and instruct CEL to cease court action. Yours, XXXXX
    • Thank you - Defence has now been filed Doc_20240501_182920_Redacted.pdf
    • The US central bank has left interest rates unchanged again, noting a "lack of further progress" toward lowering inflation.View the full article
    • Hurrah! We got there.  After asking four times about the defence you've answered. To win this you will have to be a hell of a lot more pro-active and get reading up.  The standard defence is on every single claim form thread here. So first task for the evening. Go to  https://www.consumeractiongroup.co.uk/topic/393251-received-a-court-claim-from-a-private-parking-speculative-invoice-how-to-deal-with-it-hereupdated-dec-2021/ Scroll down to  Q2) How should I defend? There is the standard defence. Change (6) into (7) and add a new (6). 6.  In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. Get if filed this evening.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
        • Like
      • 161 replies
    • 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.

      Frankly I don't think that is any accident.

      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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

1St Credit Limited and First Direct 'debt'


neil6534
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3008 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

checking my credit file on noddle and it shows a debt just over 1k the lender being 1st credit.

 

 

the account start date is 24/08/2009 but the account history only shows from may 2015 to Oct 2015 all of which are shown as defaults.

 

 

however the default date is shown as 28/03/2014, probably when 1st credit took over the debt.

 

i don't have any clue as to who the original lender was but suspect it was a payday loan

 

 

probably defaulted on it soon after it was taken out. the problem i have is if i did default soon after the loan was taken then it should rightly almost be statute barred.

 

 

if i contact them to find out more do i risk restarting everything again?

Link to post
Share on other sites

1st Credit Dont do PDL if i remember rightly. If they do then its a new one for me.

You could do a SAR request... While normally People are against it... It would give you more information on what they are collecting without acknowledging anything :)

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

Link to post
Share on other sites

I believe they are a debt collection agency who take on old debts

1st Credit Dont do PDL if i remember rightly. If they do then its a new one for me.

You could do a SAR request... While normally People are against it... It would give you more information on what they are collecting without acknowledging anything :)

Link to post
Share on other sites

Yes,... Now i have been told off for saying this but ill PM you...

They do take debts and are based in Reigate which is a stones throw away from where I work.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

Link to post
Share on other sites

checking my credit file on noddle and it shows a debt just over 1k the lender being 1st creditlink3.gif.

 

the account start date is 24/08/2009 but the account history only shows from may 2015 to Oct 2015 all of which are shown as defaults.

however the default date is shown as 28/03/2014, probably when 1st creditlink3.gif took over the debt.

 

i don't have any clue as to who the original lender was but suspect it was a payday loanlink3.gif so probably defaulted on it soon after it was taken out.

 

the problem i have is if i did default soon after the loan was taken then it should rightly almost be statute barredlink3.gif.

 

if i contact them to find out more do i risk restarting everything again?

Link to post
Share on other sites

Not if you don't admit the debt.

 

If your current address is showing on your record, they should be writing to you.

 

You could raise a dispute via the credit reference agency or perhap send a CCA request to st credit. If the start date was August 2009, it should be statute barred within months, if you did not make payments for this loan. Do you want to stir the hornets nest ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

the problem is that on noddle the 1st default date shown is 28/03/2014, even though the start date for the loan was back on 24/08/2009.....so if i go on the listed default date then i have a problem....if i raise a dispute with noddle re the default date i spose that couldnt hurt unless that could be seen as acknowledging the debt?

Link to post
Share on other sites

the problem is that on noddle the 1st default date shown is 28/03/2014, even though the start date for the loan was back on 24/08/2009.....so if i go on the listed default date then i have a problem....if i raise a dispute with noddle re the default date i spose that couldnt hurt unless that could be seen as acknowledging the debt?

 

Not acknowledging. But the problem you have is that once you bite, they correct the information, if it is not statute barred yet, they will hound you for payment.

 

I suspect that someone from the debt company has just added incomplete data. The original creditor never added their default and some rubbish info has ben added by this debt company.

 

You might want to leave complaining until you are sure it is statute barred.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

ah ha..

.think i know what its for,

an old bank account which i went overdrawn on,

so yes the start date was about 2009 .

...now makes sence

although the default date would still be incorrect,

 

 

should be at least 2-3 years in default.

 

 

..if thats the case i can either argue the default date and get them chasing me or leave it and wait for 6 years!!!

Link to post
Share on other sites

Thread moved to payday loans forum

 

 

Regards

 

SS

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.

Link to post
Share on other sites

Yes,... Now i have been told off for saying this but ill PM you...

They do take debts and are based in Reigate which is a stones throw away from where I work.

 

Please abide by the forum rules, especially:

 

3.5 A thread/post will be edited or deleted if it contains:

 

 

d) Offering to advise members or asking members for advice by PM

 

Otherwise, you are likely to attract moderation, which is likely to start with the removal of PM ability.

Link to post
Share on other sites

I would suspect first direct defaulted before sale

So anything after that date does not harm you

 

Prob find its mostly charges and penalties??

 

Get an sar off to the OC

 

And find out

 

For now I'd ignore the dca

Unless they issue a claim form

 

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... 

Link to post
Share on other sites

  • 3 months later...

now that I know this was for a first direct bank account I had, heres another part to the story

 

- the current balance is £1240 owing

- at the time i had a £1k overdraft facility

- i also had payday loans

 

- one of these PDLS

- Fancyapayday used a CPA to try an take £1300 out of my account in one day

- they only successfully got £750 which they have now been told by FOS to refund me

 

- they took £750 took me over my limit by £250

- surely the bank should have let this happen,

 

at the time i did try and stop the CPA

but the bank said they could do nothing

 

- with some of the refunds from my successes with fos

i want to clear this debt

 

am hoping to get it reduced a little

- what arguments could i use?

Link to post
Share on other sites

This is why people NEVER give a loan Company/DCA their card details. They can empty an account in moments.

 

If the bank failed to stop the payment on the first attempt then allowed a second or more then a complaint to the bank is also in order...

If I have been of any help, please click on my star and leave a note to let me know, thank you.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...