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    • https://www.bindmans.com/news/neale-v-dpp-the-right-to-silence-citizens-duties-and-coronavirus-regulations   Perhaps the OP should have said nothing - and risked arrest!   "Firstly, the case calls into question the logic behind aspects of the criminal justice response to the public health crisis created by the Coronavirus pandemic...   "Secondly, it is clear that some police officers have misunderstood and misstated their powers, and citizens’ obligations, under the Regulations and at common law...   "Thirdly, the case confirms reasonable excuses for being outside are not limited to those explicitly set out in the Regulations. Police officers considering whether there are reasonable grounds for believing that an offence has been committed under the Regulations so that an FPN may be issued, or the reasonable grounds for suspicion that are necessary for an arrest, should give proper consideration to any explanation given by members of the public (and what a court might think of them) rather than only recognising those exceptions explicitly listed in the Regulations and/or government guidance...   Fourthly, the case is an example of a failure of the CPS review into prosecutions brought under Coronavirus Regulations, which has found that alarming numbers of cases were wrongly charged..."   Above quotes from the Bindman's article, not the decision.  Case arose from the first lockdown and was in Wales.  Same now?  Also was about not being at home - not mask wearing.    
    • No the first LBA was delivered by royal mail, but I responded by email, sorry if I didn't make that clear.   I look at redacting the emails tomorrow, got to get some sleep now.   Thanks
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woolwich Credit card debt. Cabot type of debt disputed


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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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Sent a prove it letter to Cabot today Re their claim that my debt is a current account.

 

Have since found letter from the Woolwich dated March 2003 giving notice of assignment of the debt to Equifax ltd.

 

The description they use is ' Your Woolwich plc Personal Loan account'.

 

No mention of a current account.

 

Can this letter help or hinder my case?

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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
I don't know about equidebt they had a pdl of mine. Certainly not SB but they didn't get anything off me.

 

Same here. Had it only a couple of months after it defaulted, but was ignored and went away equally speedily!

Any advice given is done so on the assumption that recipients will also take professional advice where appropriate.

 

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  • 1 year later...

that's not a reason to restart blindly paying them.

 

just because a debt management co conned you into paying them thru their rip off plan.

 

 

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 it's taken them 15 months to reply.

Are they correct that you have been paying them?

 

If so, can I ask why if you believe it to be unenforceable

Any opinion I give is from personal experience .

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I was paying £1 monthly through my debt management company, when they ceased trading I stopped paying & sent Cabot a CAA request in Oct 2015. They returned my £1 stating that there is no need to provide a copy of the credit card agreement as it does not apply To a current account.

 

Have since found letter from the Woolwich dated March 2003 giving notice of assignment of the debt to Equifax ltd. The description they use is ' Your Woolwich plc 'Personal Loan account' No mention of a current account.

The debt was then sold on to Cabot at a later date & the description of the debt changed to 'Current account'.

 

I have never had a current account with the Woolwich. I did have a personal loan with the Woolwich though.

Are personal loans covered by the CAA & should I resubmit My request for a CAA to Cabot with a copy of the Woolwich letter of assignment to Equifax dated 2003 stating 'personal loan account'

 

Your advice would be much appreciated

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id stop comms they don't know what they are doing and will soon find out if they start a claim.

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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Yes personal loans are covered by the CCA1974...section 77.

 

Andy

We could do with some help from you.

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What are your thoughts on the best course of action Andy

 

I have not had chance to read your thread in its entirety Desktop....I will get back to you once I have had chance.

We could do with some help from you.

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Bottom line is you got conned by their mate that runs that DMP company that took money for fees too

 

Ignore then 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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Hi Desktop,

 

From what you've said, you sent a CCA request which is perfectly appropriate for a Loan Account, and the lender has failed to provide an appropriate response.

 

Therefore they're in breach of CCA 1974 and cannot make demands until they remedy that breach and supply the necessary documents.

We could do with some help from you

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Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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Thanks for that.

 

What I don't want is for Cabot to make a claim against me which could end up as a CCJ.

 

I think I might submit a new CCA request notifying them that they are in breach of CCA 1974 for failing in the first instance to supply necessary documents.

 

The account number they use is correct but their description of current account is incorrect as it was originally a loan account.

 

Do you think that I should enlighten them or keep Quiet?

 

Also is their anything else I should add to the request?

 

Thanks

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If you have already requested a copy of the agreement using section 77 and they are in default...do not send another...and its irrelevant what they wish to call the the debt and what type of debt....they do not know what they bought at discount hidden amongst 1000s of other defunct debts.

 

Andy

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

 

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Yes I did request a copy of the agreement in sept 2015.

 

they replied (see letter) also returning my cheque for £1.

 

I did send a prove it letter to which they responded with still under investigation letters x3.

The last letter saying I am liable for the account.

 

I would appreciate some help with the wording of the letter I intend to send them regarding their default situation

Scan0005.pdf

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no

you don't enter into pointless letter tennis

as you seem to have already

 

 

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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Thats fine .....leave at that ...if they ever wish to issue a court claim...they are in default...its not your problem they think its a current account when in facts its a personal loan..but they will know if you ever have to submit a defence...retain that letter safe for future reference.

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 The National Consumer Service

 

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

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Hi Desktop,

 

That's your best option for now ...............

 

:-)

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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  • 10 months later...

Hope everyone had a nice christmas,

 

Just before christmas I received the attached letter from Cabot. (Great timing)

 

As advised by forum members I have ignored all previous letters from them,

the latest one says that unless I contact them within 14 days they might pass my account on to an external debt collection company ?????.

 

Should I be worried about this or should I just ignore it.

 

Any advice appreciated

 

Many thanks

Desktop

Scan0007.pdf

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