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    • its not a letter from PRA  its a large brown windowed A4 envelope from northants bulk county court - a court claim pack. you DO NOT ignore  you DO NOT contact the fleecers or their dogs. his next time..never ignore a Letter of claim never run from debt never move without informing ALL your debt owners in writing   ... you are lucky this was not filed to an old address and 1st you'd know is bailiffs at your door   please complete this:      
    • Thanks for your reply. Should I email them stating that the penalty is unlawful?
    • Hello,   I'm brand new here and am hoping someone might be able to give me some advice. Sorry in advance that this is so bloody long!   Basically a couple of years ago Property Management Company Ltd sent Debt Agency 1 after us (both saying they acted 'on instruction of Leaseholder Ltd' - separate company) for late payment of our service fee on our flat (200 miles away, tenanted since purchase). We hadn't owned the house long and, in spite of us chatting to Property Management Company Ltd all the time various things to do with our tenants and them having multiple records of our real correspondence address, they sent the bill to our tenants, so we didn't realise we were late with it. We wrote to them and politely pointed out they had multiple records of our real postal address. They admitted it was their mistake, we paid, charge was removed, they said they would update records and email service charge in future, all fine.   Last week Leaseholder Ltd sent Debt Company 2 after me about 2 x unpaid ground rent plus collection fee, they had also been sending bills to the tenants address. I had received one bill from Leaseholder Ltd for GR since purchase, sent to correct address, but that was ages ago. I paid it straight away at the time, but I guess it never really crossed my mind how long it'd been since I'd received one.   Explained to Debt Company 2 that had received one bill ages ago, that suggests they did in fact have my address? They claim they didn't, and tenant or lettings agent must have opened letter and forwarded.   Also explained to Debt Company 2 about previous balls up with Property Management Company Ltd and Debt Agency 1, and explained both said they were acting on Leaseholder Ltd's behalf - so surely one of them told Leaseholder Ltd, once it was all resolved, that the issue had been down the the address mix up? No, says Debt Company 2, Leaseholder Ltd has never heard of your London address, nor did they instruct Debt Agency 1 to act on their behalf, and it's 'very illegal' that they claimed they were acting for them. So no idea what's going on there.   Basically Leaseholder Ltd say it's not their fault no one gave them the right address. I say it's not my fault that Debt Agency 1 and Property Management Company Ltd both gave strong (and apparently illegal) impression that they were speaking on Leaseholder Ltd's behalf - leading to my assuming there were across the details of the dispute and therefore were made aware of the cock-up/resolution.   I know I'm not totally blameless; I should have realised it was weird getting one bill and then none after but we get so many flipping bills I just pay them as they arrive and move on.   Am I wasting my time, would you all just pay it, charge and all? Seems really unfair given I was under impression I was talking to intermediaries when I wasn't.   Thank you in advance.
    • the charge is a unlawful penalty 
    • I am going to email him this evening, he has no idea what he is talking about so I am going to bullet point everything that has happened so far, and everything that has not happened. He seems to be taking the word of Barclays over me, and believing what they say, and what they are saying is wrong. They do not even know what they are talking about from what he has spoken about today.     That is what he said. He said, Barclays told him that even after resolving the debit amount of around £738, my account is still in areas and that's why they haven't made any refund, and possibly (I am unsure) why the Cifas was registered. As I said, there is 100% absolutely no arrears, other than the charge back amount, which they said they are responsible for. If they cleared the charge back amount, which they promised to do, the account would have been in credit by the £150 compensation they said they had paid into the account (They didn't do this, I did a SAR with the bank and have all of the bank statements here) and the money in the account that belonged to me which was between £40 - £70.   I can't even get my head around what he and they are saying, and I am usually on the ball, but I cannot understand what is going on at the minute.   The adjudicator advised against me asking an Ombudsman to look at it as he said the bank might now refuse to accept responsibility for the charge back mistake, even though they had already accepted it was their error. But, he said this and I'm not confident at all that he even knows whats going on.
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Birmo0803

OPOS CCA request not received 12+2+30+30 days - dispute letter

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Hi guys,

 

I've requested a copy of a CCA a while back (all recorded delivery).

 

I sent the £1 postal order, and waited the 12+2 working days for a reply.

 

I never received a reply (after it was tracked - delivered), so I then sent the reminder - 30 days to respond (recorded).

 

That was also ignored and I had no reply, so then I sent the 'Account in Dispute - Section 10 Notice' letter, which ended

 

"I reserve the right to report your actions to any such regulatory authorities as I see fit. You have 30 days from receiving this letter to contact me with your intentions to resolve this matter which is now a formal complaint."

 

I have also not received a reply from this (all letter have been recorded delivered).

 

I'm not sure as to the next steps to proceed? Has anyone been in this situation before?

 

Thanks

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should have simply left it after the 12+2 working day failure

 

 

there are no chase up letters needed.

all that went out the windows years ago

 

 

tell us the story

whats the debt all about.


..

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Yep, once the clowns are out of time, then it is a definite IGNORE, keep rattling their cage then they're going to magic up a CCA.

 

Forget them, and tell us who it was and what the alleged debt is for.


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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Thanks for the reply guys,

 

It was with Opos DCA - from what I recall was an over due balance with a phone contract around 5-6 years ago, maybe longer. I had an on-going complaint with the provider (Three) - who admitted the phone was faulty - to which I said I wouldn't pay until it's resolved.

 

Me not knowing much back then, I let it all escalate with over-due balances, which ended up affecting my credit file. I've not heard a peep from them or anyone in literal years, until I started receiving letters again.

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Matters not, it's a poxy mobile phone debt, that is pretty much going nowhere.

 

This isn't a priority, and never will be, 3 are notorious for their sterling customer service!

 

When ''EXACTLY'' did you last pay anything OR acknowledge 'in writing' that you owed this?

 

Check your credit file, Noddle is free, and see what, if anything, is on there regarding this.

 

How much is the amount they're begging off you?


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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opos don't usually do anything other that old mini credit PDL debts

 

 

dx


..

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plus ofcourse there is not CCA on mobile debt

hence they ignored you.

 

 

dx


..

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Hi guys!

Been a while since I've posted on here.

Thanks to all the help I got on here,

I managed to dig myself out of a rather dark hole and I am (or as I thought) debt-free, ha!

 

Long story short,

I got into debt (few grand),

set up a payment plan with all creditors and paid it off (young, silly and naive),

 

 

seems I missed one off the list, D'oh (Minicredit or Microcredit)

- Who I now find out have been shut down by the FCA?

 

I actually only noticed last month (been researching quite a bit)

 

I've never heard of 'Kapama', nor do I recall any literature from them in writing or even by email.

 

 

After research, it does seem to indicate (as above) Minicredit or Microcredit (can't remember the name it was so long ago.

 

Attached is a snip of said default, from 2013.

I'm not sure the initial loan,

I guess £122 was the full repayment,

but it shows a balance of £842! - Criminal.

 

After research, I have found a document from the FCA regarding https://www.fca.org.uk/publication/requirement-notices/microcredit-vreq.pdf

but, I honestly can't make heads or tails of it.

Do I fit in this category?

 

I honestly don't mind paying off what I owe (but genuine funds) not an extortionate amount.

 

 

Does anyone know the best way forward or the best way for me to start with this?

 

 

I was thinking starting with a CCA request, to see what that comes up with

- But as I say, I've only just found out about 'Kapama' - 'rolls eyes'.

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Afternoon, all (just).

 

To cut a long story short; found myself in debt a few years back (PayDay loans), set up a payment plan with all debts but missed one. Email in 2017 from Kapama stating a debt purchased (84 - I guess it was MicroCredit/Opos) £800+ (£445 'attempt charges'), original loan amount was £100. I was actually defaulted (according to my credit history on 21 June 2013) - that's how long ago it was.

 

So, I started to chase this up a while back, went on holiday, forgot all about it :roll: until a few days ago, I logged onto my old email to find lovely email amongst a lot of spam (as it's my old email address) - we all have them, right?

 

Part of the email reads;

It should be noted that this debt was purchased in December 2014 by Kapama Limited (FCA Registration Number 672065) and as a result is now being managed by Opos Limited (FCA Registration Number 693817). For your convenience, I have also attached a copy of your Consumer Credit Agreement that was issued at the time the line of credit was agreed.

 

Now, I don't recall receiving any such letters about a sale of a debt, I don't even recall being chased for it - As mentioned, I started to pay (what I thought was all) debts. They have also stated that they have attached a copy of my CCA - Whereas, in fact, they have only attached a 'Statement of Account' (attached).

 

I am now debt free, stably on my feet (big smiles) - or so I thought. What would you think the first and best steps to take are? All in writing of course.

- Request a copy of the sale of debt they 'allegedly sent'?

- CCA request?

 

100% don't mind paying the loan, interest or even default charges. But, I think they're trying something :???:

SoA.jpg

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when was you last payment?

 

had to hide your upload ref no showing

 

dx


..

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100% don't mind paying the loan, interest or even default charges. But, I think they're trying something

 

Why would you even consider paying them anything? Go read the history of minicredit/opus/kapama. They are/were ran by the same people in an effort to hide their tracks from the regulators after being heavily restricted by them.


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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when was you last payment?

 

had to hide your upload ref no showing

 

dx

 

Thanks - re-added removing REF. (The OPOS (linked to this is was a mobile contract - all cleared up now).

 

My heads been all over the shop with this one - just lose track of where you've been or what I've done.

 

I think, possibly, this one totally run away from me. I recall making payments to all other creditors and clearing the debts bar this (as I say, forgot it existed until the email) - So if there was a payment, it would have been near to the time the credit was taken, so we're looking at around 5 years :-o

SoA.jpg

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no opos was not a mobile debt it was this one.

they don't do phone accounts just PDL's

 

is this debt on your credit file?

 

you should block and bounce ALL emails

if they want you they should write to you.

 

looking at your overall situation then

have you not ever considered irresponsible lending claims against every PDL company you used?

you could get moneyback here.


..

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Ah, you see - I've been out of debt now for quite a while, I can't even remember which is which :smile:

 

It is on my credit profile, yes. Showing as Kapama Limited (2013). I've not thought about irresponsible lending claims, I'll have a look into that now, thanks!

 

I'll also have a look at setting up a block/bounce, as I don't think just an email is right or proper.

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Have you had anything via post? If not, then just ignore them. They have to send various things by post to comply with regulation. They have no idea if that email is even in use anymore.


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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are they aware of your correct and current address if you've moved since taking it out?


..

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Ah, I was thinking it had to be by post in all fairness.

 

I actually moved address around 15 May, 2016. The email was dated 30/05/17 and it had my old address attached too.

 

The default will be coming off in July 2019. As I've bee debt-free now for many years, I was looking at treating myself to a new car. Which would more than likely be a long-term loan, probably with my Current Account (which I can now afford comfortably and say with a smile) - This is obviously going to impede the application.

 

Would the balance of £842 remain on my credit profile after the removal of the default as that still may impact my application (sounds silly looking to get a loan after hardship from previous loans, I know).

 

Just has a read of StepChange, Irresponsible lending - making a complaint. However, the lender is no longer in business :lol:

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use ours

https://www.consumeractiongroup.co.uk/forum/showthread.php?472423-CAG-PDL-Reclaim-Guide-Indepth-Step-By-Step(3-Viewing)-nbsp

 

 

there is also a list of PDL lenders and who owns the debts now in our stickies of this forum.

 

the whole account vanishes when the default reaches its 6th birthday

doesn't mean its not owed mind.

 

when was your CCA request - 2016?


..

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Thanks, I'll take a look.

 

I guess so, yes, 2016. However, re-reading the thread, I do recall sending a Credit agreement request to Opos as I did receive something relating to Three (I'm 95% sure it was Opos who purchased the Three debt (it may have been purchased from another provider - however, that's all very much in the past and long history now :D ).

 

For this MicroCredit, I don't recall ever sending a CCA. Baring in mind, I still haven't received anything in relation to my requests in 2016 (but my profile is clear of that now).

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send Kapama a CCA request by royal mail

that will kill 2 birds

and give them your correct address too

prevent s backdoor CCJ's


..

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