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    • So, Sunak has managed to get someone to 'volunteer to go to Rwanda hasn't he? .. for just £3000 payment to the person plus 5 years free board and lodging isnt it? - cost to UK taxpayer over £300M+ (300 million quid+) isnt it? - Bargain says Rwanda, especially with all the profit we made privately selling those luxury chalets Bravermann advertised for us   I wonder how many brits would jump at that offer? Thousands? Hundreds of thousands? Lets see, up to 5 years free board and lodging and £3k in my pocket .. I'd go - and like that person - just come back if/when I get bored. First job - off to Botswana for a week to see the elephants.   Of course the paid volunteers going to Botswana are meaningless - Rwanda have REPEATEDLY said they wont take any forcibly trafficked people in breach of international law eh? Have they actually got any civil servants to agree to go yet - probably end up as more massive payments to VIPal contractors to go and sit there doing nowt shortly eh?    
    • Hi Wondered if I could get a little advise please. I entered into a commercial lease (3 years) and within a few months I had to leave as the business I was trading with collapsed. I returned the keys to the landlord and explained the situation and no money, also likely to go on benefits but the landlord stuck to their guns. They have now instructed solicitors to send letter before action claiming just over £4000. The lease was mine and so the debt. I know this. I have emailed the solicitors twice to explain I am out of work and that with help from family I could offer a full and final settlement figure of £1500 or £10pw. This was countered by them with an offer to reduce the debt by £400, or pay off the amount over 12 months. I went back with an improved full and final offer of £2500 or £20pw. This has been rejected with the comment 'papers ready to go to court'. I have no hope of paying the £4000 and so it will have to go to court. Pity as I have no debts otherwise but not working is a killer. I wondered if they take me to court, could I ask for mediation? I also think that taking me to court will result in a pretty much nothing per week payment from my benefits. Are companies just pushing ahead with action even if a better offer is on the table? Thanks for your help.
    • Hi all, Many thanks for the advice! Unfortunately, the reply to the email was as expected…   Starbucks UK Customer Care <[email protected]> Hi xxxxxx, We are sorry to read you received a parking charge after using our Stansted Airport - A120 DT store. Unfortunately, the car park here is managed by MET parking. Both Starbucks and EuroGarages who own and operate this site are not able to help and have no authority to overturn any parking charges received. If you have followed the below terms then you would need to send all correspondence to [email protected], who will be able to assist you further. Several signs around the car park clarify the below terms and conditions: • Maximum stay 60 minutes, whilst the store is open. If the store is closed, pay to park applies. • The car park is for Starbucks customers only who make a purchase in our store, a charge will be issued if you left the site. • If you had made a purchase and required additional time, you must have inputted your registration number into the in store iPad which would have extended your stay up to 3 hours • To park in a disabled bay, you must have displayed a valid disabled badge. • If Starbucks was closed, you must have paid for parking as charges still apply, following signage located on site. • If you didn’t use the store, you must have paid for parking, following signage located on site Please ensure all further correspondence is directed to MET parking at the above email address, and accept our apologies that we cannot help you further on this matter.  Kind Regards,  Lora K  Customer Care Team Leader Starbucks Coffee Company, Building 4 Chiswick Park, London, W4 5YE
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Arrow/Restons claimform - old MBNA debt


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go see what mcol says.

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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It says the following:

 

A claim was issued against you on 20/04/2017

Your acknowledgment of service was submitted on 24/04/2017 at 09:18:29

Your acknowledgment of service was received on 24/04/2017 at 12:01:54

Your defence was submitted on 21/05/2017 at 17:13:05

Your defence was received on 22/05/2017 at 08:01:57

 

So the last entry is 'my defence was received'

 

Where does this leave me then?

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unnecessarily panicked...

 

you've not received an n180 re mediation either

we should have spotted that.

 

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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Yes forgive me ...no Notice of Allocation issued yet.....the claim is stayed ...they have applied to lift the stay and you are currently waiting to hear from the court if there will be a hearing or not.....

 

Did you upload their WS with their application and N244?

We could do with some help from you.

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Start drafting your WS in response to their WS and Application...there will be a hearing and the court will confirm when.

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 OTHER

 

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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you should get something from the court just now re their application saying app'n to lift, no hearing (re the app'n to lift), but if wish to object can do so within 7 days

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  • 2 weeks later...

I need some help with this -

I am really struggling with the WS for the trial.

 

I can't see anything from my research in my favour,

I mean there is a whole bunch of evidence including copy of default notice, copy of assignment, photocopy (bad quality) of the credit agreement etc.

 

Do I have an option here of negotiating with these nasty people and settling this without getting stuffed with a CCJ against my name?

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there is always that option. yes

 

you've not got even a date yet have you..?

 

why give in simply because you cant find a witness statement already here to guide you...

 

use the search CAG box of the top red toolbar

witness statement card

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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No date yet, but its imminent.

 

I absolutely have no problem with submitting a witness statement, but I just feel its extremely high risk vs not getting a CCJ against my name.

 

If I get a court date, is it still possible to settle this stuff outside of court?

 

A few of things I've identified,

 

can you tell me if any of these are worth including:

 

1. On the claim form, on the 'Statement of Truth' they havent crossed out the relevant parts in the truth statement, (I believe)(The applicant believes) and also (Applicant('s legal representative)('s litigation friend) - they were meant to cross these out

 

2. The copy of the CCA is blurry, and the attached terms of the CCA are completely different format (just like a word document)

 

3. They say I 'signed' the credit agreement but there is no signature on the CCA, just an IP address and tick box

 

4. The sign date on the CCA looks like 2006 not 2008,

 

5. There is no evidence of an Immediate Payment in Full Final Demand letter from MBNA

 

6. There is no evidence that Statutory Arrears notices were sent from MBNA

 

7. They note a second letter before action was sent on 31 March 2017 but this isnt included in the evidence

 

8. There is little evidence provided of mopnthly statements of account, expenditure, interest charges

 

9. The CPR request was not complied with until the documents were included in the witness statement (should they have sent them before?)

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2 and 3 as post 117...

the rest no

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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A DN is an intention to file a default not exactly when they will

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

I have no evidence that the notice was served to me on the date said, nor that I received the notice of assignment. Is it worth me arguing that neither were received?

 

Hi

I've literally scoured the evidence top to bottom. There is a lack of defence here, can you tell me if any of this will support:

 

1. they never reponded to my CPR 31/14 request and say this is now complied with within the witness statement

 

2. I never got a notificaion of the claim becoming stayed, it never showed as stayed on the MCOL website

 

3. The balance on the MBNA statement they sent in evidence is different to the amount that was owed when they were instructed

 

4. I never got a letter from the court saying they'd received my defence

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1 CPR is a request not mandatory to respond unlike a CCA

 

2. as already explain you don't

 

3. immaterial

 

4. doesn't matter

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

they did on mcol

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 think I have a leg to stand on here.

 

Can someone explain what my options are as far as settling this before court date?

 

I’m happy to ph these people a couple of grand if it gets them off my back and I don’t end up with a CCJ

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i'll trawl through later

still no court date I assume...

 

you are currently waiting to hear from the court if there will be a hearing or not.....

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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Here is the entire documents I received with personal details blacked out.

Your support and help is much appreciated with where to go next.

 

hidden this attachment as its not redacted properly

I will sort it

and a response soon.

shame it wasn't done properly in the first place

 

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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