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    • Yeeeeees! Well done on your victory!  👏
    • Hearing held today in court. I attended in person and Evri had an advocate attend on their behalf to defend their position that my contract is with Packlink and not with them. I also provided a copy of Evri's terms and conditions which explains that a contract is entered into when a parcel is sent with Evri. The judge pointed this out to the Advocate and agreed there is a contract between me and Evri under the Ts and Cs. The judge explained that while Packlink are responsible for organising the delivery of the item, it is Evri who are responsible for handling the goods and delivering them, and therefor Evri has a responsibility to handle the goods with reasonable care and skill. So am pleased to say the judge found in my favour. Hearing lasted about 75mins. Evri has been ordered to make payment within 21 days. Also nice to meet @jk2054 in person.
    • Good morning,    I just wanted to update you on the situation.    I have visits piling up with my current employment and they need doing before I finish at the end of this month.  I am moving to Wiltshire in 3 weeks for a new job helping care homes with their Dementia patients. I tried to work it out and at a guess I will be doing about 20-25,000 miles a year. So need a vehicle that can cope with that mileage, my old car would have done it easy but 🤷‍♂️ I have taken out a loan and got a friend to find me a reliable car that can cope with the miles and hasn't been written off in the past.   I phoned Adrian flux to see if I could use the last months insurance on a new car I have bought, the girl I spoke to phoned Markerstudy and asked them but they said no, my new car doesn't have any modifications.    I had an email from someone who saw one of my appeals for information, they live near the site of the accident and know a nearby farmer who has a security camera at his entrance that catches the traffic and specifically registration plates as he has been robbed before. They said they would reach out for me and see if he still has the data. Unfortunately it wont catch the scene of the crash.   The Police phoned me and said they were closing the report I made, even if they found footage of the vehicle at the time I said the actual incident would be my word vs theirs.  My first response was I am sure google maps would show that they turned around at that location which would verify my version of events, but upon reflection I do understand, I have seen people doing make up with both hands while driving, eating from a bowl steering with their knees and veering all over the place. I am sure some of these people go off the road and claim that someone forced them off.    Markerstudy phoned me yesterday to say that my car is now at Copart, the £80 tank of Vpower diesel was emptied on entry to the site for safety reasons, which I get but it sucks.  It is awaiting being assessed and shouldn't be too long, which is a relief.  I am really glad things do not seem to be going the way of the other stories and they seem to moving quickly.   However I was informed that my car was a structural write off before I bought it - this destroyed me, I was almost sick.  and this is going to affect any offer of money - after hearing the first statement this didn't affect me.   They need to wait for the assessor to check it over but it is highly likely to be written off and the maximum they can offer is £2300.  I was desperate for a car as I was working for an agency at the time, no work no pay, and did not do a vehicle check because I didn't know about them.  The seller did not tell me that it had been structurally written off, he told me that it had the front wing damaged while parked and was repaired at an approved repairer.  Markerstudy records state that it was sold at auction, no record of repair at an approved repairer.  I bought it bank transfer with hand written receipt.    It gets worse.    It turns out my airbags should of gone off. For some reason they are not working. I think we can figure out why.  If I had hit that car head on and had no airbags.    Some good news.    I can arrange a time with Copart to go and take my stereo equipment and any personal items that are left in the car only. I cant live without music and need quality sound, my speakers and amps are Hertz and JLaudio, (no I am not a boy racer with booming subs, I am an audiophile on a budget) I was really worried I wouldn't get them back so this is a huge relief for me. It is stuff I have built up over years of saving and collecting. Everything to do with the vehicle and mods I have declared need to stay to be assessed.   The accident has gone as a fault on my record, I have to remove 2 years NCB which means I still have some to declare which is good.  So it appears at this point that it may be resolved quickly, not in the way I was hoping, but not as bad as I presumed it was going to be based upon that tow truck drivers attitude and behaviour and the horror stories I read.   I am not going to buy the car back and try to make money with all the parts on it, I don't have the time or energy.   I may need an xray on my back and neck.  The whole situation has left me feeling physically sick, drained and I need it done.   The lesson learnt from this  -  My conscience is 100% clear, my attitude to safety and strong sense of personal responsibility - A rated tyres even if on credit card, brake fluid flush every year, regular checks of pads and discs, bushes etc, made avoiding what I believed to be a certain broadside collision possible.   Get a dashcam (searching now for the best I can afford at the moment)  -  Research your insurance company before you buy  -  Pay for total car check before you go and see a car and take someone with you if you are not confident in your ability to assess a vehicle.      Thank you to everyone here who volunteers their time, energy and information, it is greatly appreciated.  You helped my sister with some advice a while ago but we weren't able to follow through, she is struggling with long term health conditions and I ended up in hospital for a while with myocarditis, when I got out and remembered it was too late.  I am going to make a donation now, it is not a lot, I wish I could give more, I will try to come back when things are on a more even keel.    Take care
    • It seems the solicitor has got your case listed for this “appeal” but not for the Stat Dec(SD). You need to ensure you can perform your SD on the day. If you are able to make your SD in court, the situation you are in now is more straightforward than if you made your SD via a solicitor. You have been convicted of two offences (and two were dropped) via proceedings of which you were not aware. The way to remedy that is to perform an SD. No appeal is necessary (nor is it available via the magistrates’ court). If you are able to make your SD this is how I see it panning out: You will make your SD to the court. The court must allow you to make it as it will have been made within 21 days of you discovering your convictions. You will then be asked to enter pleas to the four charges again. At this point you should plead not guilty to all four but make the court aware that you will plead guilty to the speeding charges on the condition that the FtP charges are dropped. The prosecutor will be asked whether or not this is agreed. In my opinion the overwhelming likelihood is that it will be. If it is you will be sentenced for the two speeding offences under the normal guidelines. In the unlikely event it is not accepted,  the speeding charges will be withdrawn (they have no evidence you were driving). You have no viable defence to the FtP charges and so should plead guilty. This will mean 12 points and a “totting up” ban (as you have already suffered). You can present an “Exceptional Hardship” argument to try to avoid this (explained below).   Because of this, I don’t see any need to make an argument to ask to have any ban suspended (pending an appeal to the Crown Court) unless and until you are banned again. The only reason I can think the solicitor suggested this is to secure a (Magistrates')  court date. I was surprised when you said you had an appointment so quickly; a date for an SD usually takes longer than that. However, if you can use it to your advantage, all well and good. I can’t comment on the argument that the two speeding offences were committed “on the same occasion” as I don’t have the details. That phrase is not defined anywhere and is a matter for the court to decide. It’s an interesting thought (and only that) that such an argument could equally be made for the two FtP offences. If the requests for driver’s details arrived at your old address at the same time, with the same deadline for reply, it could be argued that you failed to respond to hem both “on the same occasion” (i.e when the 28 days to respond expired) and so should only receive penalty points for one. Hopefully you won’t need to go there. I think you have information about avoiding a “totting up” ban. But here’s the magistrates’ latest guidance on "Exceptional Hardship" (EH) which they refer to: When considering whether there are grounds to reduce or avoid a totting up disqualification the court should have regard to the following: It is for the offender to prove to the civil standard of proof that such grounds exist. Other than very exceptionally, this will require evidence from the offender, and where such evidence is given, it must be sworn. Where it is asserted that hardship would be caused, the court must be satisfied that it is not merely inconvenience, or hardship, but exceptional hardship for which the court must have evidence; Almost every disqualification entails hardship for the person disqualified and their immediate family. This is part of the deterrent objective of the provisions combined with the preventative effect of the order not to drive. If a motorist continues to offend after becoming aware of the risk to their licence of further penalty points, the court can take this circumstance into account. Courts should be cautious before accepting assertions of exceptional hardship without evidence that alternatives (including alternative means of transport) for avoiding exceptional hardship are not viable; Loss of employment will be an inevitable consequence of a driving ban for many people. Evidence that loss of employment would follow from disqualification is not in itself sufficient to demonstrate exceptional hardship; whether or not it does will depend on the circumstances of the offender and the consequences of that loss of employment on the offender and/or others. I must say, I still do not understand what the solicitor means by “As a safeguard we have lodged the appeal and applied to suspend your ban pending appeal due to the time limit for being able to automatically appeal without getting leave of the Judge.” When they speak of “leave of the judge” I assume they mean they have lodged an appeal with the Crown Court. I don’t know what for or why they would do this. It seems to follow on from their explanation of the “totting up” ban. If so, I’m surprised that the Crown Court has accepted an appeal against something that has not yet happened. But as I said, i is no clear to me. Only you can decide whether to employ your solicitor to represent you in court. If it was me I would not because there is nothing he can say that you cannot say yourself. However, I am fairly knowledgeable of the process and confident I can deal with it. That said, I do have a feeling that the solicitor is somewhat “over egging the pudding” by introducing such things as appeals to the Crown Court which, in all honesty, you can deal with if they are required. I can only say that the process you will attempt to employ is by no means unusual and all court users will be familiar with it. I can also say that I have only ever heard of one instance where it was refused. In summary, it is my view that it is very unlikely that your offer to do the deal will be refused. If it is accepted, you may be able to persuade he court that the two speeding offences occurred "on the same occasion" and so should only receive one lot of points. Let me know the details (timings, places, etc) and I'll give you my opinion. Just in case your offer is refused, you should have your EH argument ready. Whether it's worth paying what will amount to many hundreds of pounds to pay someone to see this through is your call.  Let me know if I can help further.    
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Citi financial to Idem - CCA Reply. Is this legit and enforeceable


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Hi All,

 

I had started a CCA process with Idem servicing with the OL being Citi Financial. I took out the loan in 2007 and have had a minimum payment going out. All payments have been stopped whilst my CCA request is in process.

 

Idem promptly replied within the set time of 12+2 days with many copies of the signed contract with Citi financial, i just want to make sure that what they have sent is enforceable, if so should i resume my payments and send a F&F offer to them.

 

I have uploaded the documents that were sent to me.

Edited by citizenB
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it would be better if you popped all those into a word doc. [multipage]

then file

save as

.pdf

 

 

and attach that please

then we can zoom better

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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To me, it looks like they only have part of the application form. They also need original t and c's, any changes, and t and c's at termination

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Thank you renegadeimp, so do i send another letter back asking for their recent t&cs and also the original copy of the contract?

 

There isnt a termination because it got passed over to Idem, and the account is still open.

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it would be better if you popped all those into a word doc. [multipage]

then file

save as

.pdf

 

and attach that please

then we can zoom better

 

Hi DX100uk,

 

I have tried to do what you have asked, but unfortunately my computer doesn't save anything as a PDF doc, I will continue to try doing the multipage thing but so far it has not been working. Is there any other format I can provide for you all to see it?

 

I have tried to upload a multipage word doc but it is still saved as word.

attachment.pdf

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The full app form isnt there. Thats for sure. They have most of it though. Cant see the terms and conditions or a statement of account.

 

IMO its not complete or compliant, but others will tell you for sure.

  • Confused 1

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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could do with seeing the figures

theres no need to redact those things

 

I did convert it to PDF for you

and removed several more bits of pers info

 

 

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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could do with seeing the figures

theres no need to redact those things

 

I did convert it to PDF for you

and removed several more bits of pers info

 

 

dx

 

Thank you for your kind help converting it into a PDF and also removing several info bits that I had missed out! I can upload it again with the figures once again it won't be in a pdf format but I will leave the figures in tact.

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could do with seeing the figures

theres no need to redact those things

 

I did convert it to PDF for you

and removed several more bits of pers info

 

 

dx

 

Hi dx,

 

 

I have created a multipage word doc with all the same letters provided but all the figures have been left in place. I am unsure at this stage what these documents reflect, enforceable or unenforceable. Hopefully you can shed a bit more light, someone else here believes these docs are not sufficient just after another opinion.

 

I have deleted all the previous uploads to help save on confusion.

 

Thank you for your help.

docs1.pdf

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Well it looks to me as though they have printed out all your payments onto their own headed paper - not sure how that is relevant. There appears to be quite a few administration fees - what are they for ?

 

For a s78 request to be satisfied they need to send you..

 

Copy of or truthful reconstruction of the agreement.

Statement of account

Terms and conditions from inception and currently or at default stage.

 

Whilst they are non compliant with the request, they should not be able to obtain a Judgment against you should they issue a claim (if the account is pre 2007)

 

What is the purpose of your request ? Have they said they will issue a claim against you ?

  • Confused 1

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Well it looks to me as though they have printed out all your payments onto their own headed paper - not sure how that is relevant. There appears to be quite a few administration fees - what are they for ?

 

For a s78 request to be satisfied they need to send you..

 

Copy of or truthful reconstruction of the agreement.

Statement of account

Terms and conditions from inception and currently or at default stage.

 

Whilst they are non compliant with the request, they should not be able to obtain a Judgment against you should they issue a claim (if the account is pre 2007)

 

What is the purpose of your request ? Have they said they will issue a claim against you ?

 

Hi CitizenB,

 

Thank you for your insight,

 

Regarding the Admin fees, I believe they may have been for late payments or when they had to send a letter out to me , I can't really remember what they are for to be honest.

 

I thought the list of payment breakdown was a statement of the account, as I am unsure what else a statement of account would be?

 

THey haven't said they will claim against me i voluntarily sent a CCA request to see whether IDem have the right documents and agreements for me to be paying them after they took it over from Citi Financial. The ultimate goal was to find out if it is enforceable or not to negotiate a reduced settlement fee. Right now I have stopped payments.

 

I am unsure whether to send out another letter stating that they have not complied and sent across the correct documentation or whether to offer a F&F settlement.

 

What would a Copy of or truthful reconstruction of the agreement be? the original agreement with all all the pages and not just a photo copy of the last signed page?

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correct

 

its current wisdom not to follow a failed CCA

simply invites letter tennis

 

let it run

see what they do next

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 you receive a Notice of Assignment from either the original creditor or Idem ?

 

I am always reluctant to advise people to simply stop payment although if you are experiencing financial hardship, then dropping it to £1.00 and asking for them to cease adding interest is a good move.

 

I wonder if others with more knowledge would say those admin payments are not acceptable ? Perhaps attempt to have them removed from the balance sheet ?

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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when was this sold to idem?

around april 2013?

 

 

certainly loads of fees there to reclaim at their int rate

it also says figure for refinancing..

so what debt was settled with this?

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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when was this sold to idem?

around april 2013?

 

 

certainly loads of fees there to reclaim at their int rate

it also says figure for refinancing..

so what debt was settled with this?

 

Hi dx,

 

I had taken an initial loan out with citi financial and then increased the amount I borrowed at a later date to pay off money I owed to family, and some credit cards. I believe you are correct it was sold to Idem in 2013.

 

If I was to try and reclaim back the admin fee charges how would this process work?

 

Did you receive a Notice of Assignment from either the original creditor or Idem ?

 

I am always reluctant to advise people to simply stop payment although if you are experiencing financial hardship, then dropping it to £1.00 and asking for them to cease adding interest is a good move.

 

I wonder if others with more knowledge would say those admin payments are not acceptable ? Perhaps attempt to have them removed from the balance sheet ?

 

My account went from Citi Financial to Ardent then to Idem. I don't believe I had any letters from Citi but I think I had a letter from Idem when they took on the account unfortunately in my recent move I lost a lot of the paper work.

 

If I was to try and reclaim the admin to be removed from the balance sheet how would I go about doing this?

 

In a different thread i was advised that I am being a willing cash cow and as a suggestion some said perhaps stop payments until things are clearer and sorted, I only stopped the payment once I received a reply from my CCA.

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I would suggest your reclaiming over ALL the accounts merged into this loan

will far outweigh this balance & put money to your pocket too!!

 

 

an sar to citi

p'haps the canadain house address is

in my humble opinion now a must.

 

 

i'll go against my usual advise and suggest p'haps sending Idem a letter

outlining that you are awaiting the return of an sar to citi

as this loan contains a considerable amount of unlawful penalty fees

and

that as it was a refinance of several other citi products

they also contain reclaimable PPI and charges that will almost defiantly wipe the balance out.

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 would suggest your reclaiming over ALL the accounts merged into this loan

will far outweigh this balance & put money to your pocket too!!

 

an sar to citi

p'haps the canadain house address is

in my humble opinion now a must.

 

i'll go against my usual advise and suggest p'haps sending Idem a letter

outlining that you are awaiting the return of an sar to citi

as this loan contains a considerable amount of unlawful penalty fees

and

that as it was a refinance of several other citi products

they also contain reclaimable PPI and charges that will almost defiantly wipe the balance out.

 

dx you truly are an amazing adviser!:-D

 

thank you for your time on this matter. I feel there is a clear pathway to take this down now. I will give this a go and of course come back to this thread with any update or outcome

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  • 1 month later...

Any advice is really appreciated!!

I am thinking of accepting their CCA and setting up a payment plans again and then offer a full and final settlement?

 

HI All,

 

A quick update and hopefully someone can shed some light on whether I have lost this case

and continue making payment or if i should take things forward to the FOC?

If so i have no clue what the next steps would be.

 

if you look at the posts before this,

i had sent a CCA Request and based on advice i sent another letter stating that the t&c sent

were not compliant and informed them that I am waiting on the original lender Citi financial to get back to about the charges,

 

 

they replied today with a final letter stating that I am wrong and they will not put the account on hold/dispute.

If i choose to I can complain to the FOS.

 

I have uploaded all the letters they have sent

please take a look and let me know what the next step should be.

Am quite lost now as to what to do.

 

transaction statement attached here

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put ALL those pictures into ONE WORD DOCUMENT

then file save as .pdf

 

 

and 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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Share on other sites

threads merged and tidied

please keep to ONE THREAD

per debt

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,

 

I have uploaded a word document but i cannot convert it to a PDF as my computer wont allow it, i hope this is ok.

 

The contract they have sent looks like the original one i had signed so I am kind of leaning to accepting that this one is legit?

return.pdf

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so the same docs as post 12...

did you do an sar to citi.

 

 

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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