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    • hi   Thank you for your reply.   nice link . thank you very much.   I know I will get my refund. it has been offered. I have been told I am right about the situation. It does seem like this is in debate but this was clarified a long time ago.   Do you think I would be wasting my time to try and stop it happening to others?   I just would not want this happing to anyone else.   Thank you again                
    • Just ask for the refund you appear to be entitled to.  They'll either pay it or they'll explain to you why they won't.  Forget everything else.   Or you could try here:  https://www.railforums.co.uk/forums/disputes-prosecutions.152/
    • you stated :   "I would expect revenue officers are quite aware of the time of day they are manning barriers. i'd also go as far as to say they don't bother to do this in off peak times... as there would be little point, no loss of revenue to protect".     They were there when I should have had an off peak option, they did not give it me!! I asked for the lower fare. they refused!! And threatened a fine!! ( i did not know the jargon , that is true)  but "lower fare option "  should be o.k for them to understand.   When I say, to the effect, that there was a lower fare option listed on your computer before I left the station  Please can I have that as this higher fare seems far too much. Is there another option?   No.   I had full fare or a hefty fine options only.   you stated:   "your intended return was off-peak, but you didn't tell them.."   I asked for the lower fare, they refused. repeatedly. They had the option to charge the low fare but absolutely refused and threaten a fine.   I do not have to know any jargon.  I just said it was too much and there was a lower option before i departed and  why can't I have that? They said no and that I had to pay the high fare.   Which is untrue. They should have said that was o.k and gave any restrictions on the ticket!   you stated "this thread is getting boring and repetitive. "   You could help me and the many others  who may read this) who would like advice and offer suggestions of things to ask or mention with the complaint.   What would you say? How can I stop this from happening to others?   I have been told I was right by the staff at the station. So I know I am in the right.   Please can you be a bit more friendly and helpful?  Come on, lets try and do some good here.   I was hoping people might suggest some ideas.   Perhaps we can move onto the questions I should ask or things I should state regards my complaint. with time running out?  If not for me,  for other travellers, who will be going through this same ordeal if we do not help them.   kind regards.          
    • yes because 1000's of people believe a DCA is a bailiff and they are not and that penalty charges are lawful, they are not, so blindly cough up...   worth a few letters / free emails to try it on pays for the staff drinks down the pub that night with free money.   dx  
    • they have already 'outsourced' it ..........to a dca [crs - well that's harlands anyway] watchout for Zinc next.. but don't look at the bottom of the letter as you'll see its the same address again...}   forget about it go enjoy your life.    
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volac123

cabot demanding i contact them ccj already obtained

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hi all,

 

I have a ccj with Cabot for over £7000 which I have been paying regularly for atleast the past 10yrs.

 

i have started receiving letters from them stating:-

"We need your attention - potential legal action",

"your credit file indicates that your situation may have changed",

 

The ccj relates to a loan from Bank of Scotland,

my situation has not changed,

my only income is carers allowance (all other benefits go direct to disabled wife).

 

i do have other debts and pay them off at the same rates per month £5 each,

at least one of these debts is held by cabot.

 

at the bottom of the letter there is a brief explanation of what legal action could mean but that refers to a ccj.

 

any thoughts on this would be gratefully recieved

 

sorry if this post is a bit rambling

 

volac123

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you need to tell us about all your debts

 

have you ever sent any of them that you pay a CCA request?

to question if they hold the relevant legal paperwork to even demand money from you?

 

as for the CCJ

blindly paying for 10yrs smacks of cash cowing?

how much have you been paying for 10yrs each month?

 

whatever the CCJ judgement said, that all you should be paying per month

they can willy wave all they want, but the judge set the payment

and they, a DCA, are NOT A BAILIFF and cant do anything to you legally.


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please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

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hi

the ccj has been paid at £5 per month for the entire time. the other debts are :-

 

Capital one - approximate debt £1600

vanquis - approximate debt £3300

J D Williams - approximate debt £300

debenhams - approximate debt £2000

 

all are paid at £5 a month

no i have not used cca's as i continued paying the agreed amount that i had arranged with original creditor when i received the "we have handed this account to our collection department letter".

 

feeling a little daft now :(

 

volac123

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do you know what was put in the judgement box of the CCJ?

is £5PCM what the judge ordered?

i'm a bit puzzled that cabot seem not to know about the CCJ?

they cant get two of them for the same date!!

were they the ones that took you to court?

 

 

so these debts are all now being paid to DCA's Now

if so CCA time to each DCA!


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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it was puzzling me too.

 

i cannot find the original documents, so have decided to take your advice and CCA all dca's.

 

my wife remembers me dealing with blair, oliver and scott for 2 of my debts the £7000 loan from bank of scotland and the £2000 debenhams debt.

 

so i think another trawl through the loft for paperwork is in order

 

 

volac123

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BOS are / were the inhouse DCA at bank of Scotland

 

 

id send a CCA on the CCJ one too

me thinks they have no idea it has a CCJ so don't tell 'em!!


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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