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    • best to be sure it is a N279. not that they pull any underhand stunts of course   but we have seen it. your bal is now £0 but we'll still attend court as you'll probably not as we've said we've closed the account and we'll get a judgement by default. dx  
    • Sorry, last bit They had ticked that they wanted the application dealt with without a hearing, so is there any relevance that a date and time to attend said hearing has been sent out ?
    • I've not seen it personally but I think that's the letter Dad has had from Overdales. I'll see it tomorrow. It states balance: zero
    • Agreed as you clearly have little faith in your star runners, mind you - I have less - conditional on the welcher clause I defined being part, and that we are talking about the three defined candidates: Tice Farage and Anderson - not anyone anywhere as reform might (outside chance) get someone decent to run somewhere. If any of the three dont run - they count as a loss.   welcher clause. "If either of us loses and doesn't pay - we agree the site admin will change the welchers avatar permanently to a cows ass - specific cows ass avatar chosen by the winner - with veto by site on any too offensive - requiring another to be chosen  (or of course, DP likely allows you can delete your account and all your worthless posts to cheapskate chicken out and we'll just laugh) "
    • This is the full details, note they have made an error (1) in that paragraph 5 stated 14 days before hearing not 7. Surely a company of their size would proof read and shouldn't make basic errors like that 1) The Claimant respectfully applies for an extension of time to comply with paragraph 5 of the Order of Deputy District Judge XXX dated XX March 2024 i.e. the evidence upon which the parties intend to rely shall be filed and served not later than 7-days before the hearing. 2) The Claimant seeks a short extension of time allow them to further and properly investigate data provided to them by Royal Mail which is of importance to the proceedings and determination of the Claim. 3) The Claimant and Royal Mail have an information sharing agreement. Under the agreement, Royal Mail has provided data to the Claimant in respect of the matters forming the basis of these proceedings. The Claimant requires more time to consider this data and reconcile it against their own records. The Claimant may need to seek clarification and assurances from Royal Mail before they can be confident the data is correct and relevant to the proceedings i.e. available to be submitted as evidence. 4) The Claimant's witness is currently out of the office on annual leave and this was not relayed to DWF Law until after the event which has caused a further unfortunate delay. 5) The Court has directed parties to file and serve any evidence upon which they intend to rely not later than 14- days before the hearing i.e. by 4pm on 6 June 2024. Regrettably, the Claimant will have insufficient time to finalise their witness evidence and supporting exhibits as directed. We therefore respectfully apply to extend the time for filing/serving evidence so that the evidence upon which the parties intend to rely by filed and served not later than 7-days before the hearing i.e. by 4pm on 13 June 2024. 6) This application is a pre-emptive one for an extension of time made prior to the expiry of the deadline. In considering the application, the Court is required to exercise its broad case management powers and consider the overriding objective. 7) In circumstances where applications are made in time, the Court should be reticent to refuse reasonable applications for extensions of time which neither imperil hearing dates nor disrupt proceedings, pursuant to Hallam Estates v Baker [2014] EWCA Civ 661. 😎 It is respectfully submitted that the application is made pursuant to the provisions of CPR 3.1(2)(a) and in accordance with the overriding objective to ensure the parties are on an equal footing when presenting their cases to the Court. The requested extension of time does not put the hearing at risk and granting the Application will not be disruptive to the proceedings.   They have asked for extension Because 2) The Claimant requires additional time to consider and reconcile data received from Royal Mail which is relevant to these proceedings against their own data and records in order to submit detailed evidence in support of this Claim.
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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.

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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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

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

plus ofcourse there is not CCA on mobile debt

hence they ignored you.

 

 

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

  • 11 months later...

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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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

  • 1 year later...

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

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

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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three threads merged for history

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 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.

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

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?

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

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?

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

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

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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