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    • Driver entered car park run by CEL Ltd .Tried to purchase lozenges  at Pharmacy , saw it was busy so left . Time there approximately 5 minutes . Left to go to pick up some goods  a couple of miles away . I have a copy of a collection of goods note with an approximate time on it  Stayed a while to chat with client On return journey stopped  to try again . Bought lozenges and left . There were no restrictions on returning  ANPR cameras registered first entry and last exit  Was sent photos showing vehicle with 2 blown up with the times on them   Company refuses to divulge landlord or show contract ....said it was data protection ! Photo of a sign blown up .....could be anywhere ! Been to site itself . No signs at entrance . When entering from main road nothing ! Where there is parking a few signs visible depending on parking space . Large sign on an external wall which can only be seen when walking out or entering from side road on the left . After a number of letters  I received demands from ZZPS ....a “debt collector “. They gave up on that ! This incident took pace in February . Now a Letter Before Court requesting details of my salary and how I intend to pay the debt  The length of stay is 40 minutes . Tiny car park !   Do know why there are even limits . Length of stay maybe 15 minutes in total . It is madness The pack of lozenges cost £185 ! Am 72 years old with multiple health problems ! Cannot let these cowboys win . Feel as though I am being intimidated . Very stressful ! Any  advice please ?I have drafted  together bits from all over the place ! Need it to stop ASAP !
    • Hi    This is my draft WS, please do let me know of nay changes or additions required, thanks.    IN THE County Court AT                                                                              CLAIM NO:      BETWEEN: CABOT FINANCIAL (UK) LIMITED   -and- (DEFENDANT)     ___________________________________________ WITNESS STATEMENT OF        INTRODUCTION    1. I, XXXX, the Defendant in this case, make this statement in support of my defence against the Claimant, Cabot Financial (UK) Limited.  The matters set out below are within my own knowledge, except where I indicate to the contrary.    THE DEFENDANT’S RESPONSE TO THE CLAIMANT’S WITNESS STATEMENT    2. The Claimant states in Paragraph 3, ‘….refer to various documents, true copiesof which are contained in the paginated bundle to this statement marked “JK”1’, but then states in para 4, ‘Acopy of the reconstituted agreementwith associated terms and conditions….pages 1-10’. There are 3 versions attached of the alleged Agreement and Terms & Conditions and according to para 4 they are not the original but ‘a reconstitutedversion’. They have attached 3 Agreements namely, ‘Original Agreement’, ‘Default Agreement’ and ‘Terms of your Capital One Credit Card Agreement’.  The Claimant has provided 3 sets of generic/reconstituted Agreement and Terms & conditions.     3. The Claimant in Para 4 also states ‘On or around 5thNovember 2012 the Defendant entered into a Credit Card Agreement,’ but Page 2 of JK1 has a date inserted 2/11/2012.  It has my name, address and a date inserted in the form but no mention of how the agreement was made, online, post or telephone, and furthermore not mentioned in the Claimant’s Witness Statement.     4. As a rule of thumb I always ensure that no 3rdparty is to contact me or to send me marketing information via telephone, post or electronically’, but Page 2 of JK1 has an unticked box, another indication that this is not an original agreement.    5. Page 5 of JK1 has too many typo mistakes in the heading as follows: TERMSOF YOUR CAPITALONE CREDITCARD AGREEMENT, furthermore there are no ‘full stop’ punctuations at the end of each sentence, this surely cannot be a document sent out by Capital One.     6. The Claimant states in Para 9 that my defence is a ‘templated defence’, requesting documents pursuant of CPR 31.14 and Section 78 of the Credit Card Act 1974, this is a defendant’s right for request of information but the Claimant has failed to provide the true original Credit Card Agreement and Terms & Conditions.   7. The Claimant states in Para 25 that, ‘the Claimant allowed the proceedings to be stayed in order to allow the parties to attempt settlement negotiations…..’ this is not correct as the Claim was stayed due to the Claimant not being able to provide the requested documents pursuant of my CPR 31.14 and Section 78 of the Credit Card Act 1974.   8. Para 30 and 31of the Witness Statement requests to restore the proceedings, to strike out the Defence, has requested for a Summary Judgement, together with costs to be assessed summarily by the court. I, the Defendant, strongly object to the Claimant’s Witness Statement requesting to lift the stay and enter Judgement. I believe therefore, that this should be denied and I respectfully ask for you to strike out the claim. My reasons for this have been outlined in points 1 to 7.    9. By the reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief and invite the Court to strike out the claim.   I believe that the facts stated in this Witness Statement are true.    Signed:  Dated:
    • District Judge has considered the statements of case and directions questionnaire filed and allocated the claim to the small claims track on 13th January 2020 for 1 hour.    Claimant has by 16th December 2019 pay the court trial fee or file a properly completed application, otherwise the claim will be struck out with effect from 16th December.    I have a few questions if possible to get an answer from anyone please.    The following directions apply to this claim: 1. It says that each party must deliver to the other party and to the court office copies of all documents on which that party intends to rely at the hearing no later than fourteen days before the hearing.  My understanding this will my witness statement, images of the parking area, out of time sent NTK documents. Is this correct? What else am I not thinking about?    2. I have to leave country for important work trip from 10th to 19th of January 2020. Is there anything I can do to postpone this case since its booked for 13th January?  Thanks!      
    • However having had a quick look at the consumer rights act, I see that it doesn't seem to apply if you have bought second-hand goods sold at a public auction and you had the opportunity of attending the same person – section 2 (5) Unless someone has some better ideas, I'm not sure what you can do.
    • I'm trying to understand your story because is not completely clear. You bought the car auction and you were aware at the time of the purchaser there was an ABS fault. Subsequently an ABS fault developed both this was a different fault and not of the type that have been flagged up at the auction. Is this correct? If you bought the car knowing that there was a particular ABS fault then I don't think you have any comeback. However if the fort which subsequently occurred is not the one which was flagged up at auction then you may be in a better position
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Harry2000

Falcon Management Services Ltd - AVOID!!!

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Please don't fall into their trap like I and others have done.

 

We were approached by Falcon Management Services last year after a company went into liquidation owing us a substantial amount of money.

 

 

This company contacted us as they were aware we were on the creditors list (not sure where they get this info) and there seemed to be a light at the end of the tunnel that we may get our money back.

Of course they had inside information of fraudulent behaviour on the part of the director.

 

 

It all seemed plausible as we suspected him of wrong doing.

For a one off fee they guaranteed they would get our money back or the fee would be refunded.

That was the hook.

 

 

Be warned you will not get your money back and they will pursue you quite aggressively demanding more money from you and threats of various actions if you do not pay within the next few hours.

 

 

I like to think we are not gullible and knowledgeable enough not to be taken for a ride.

But they prey on you when you are when are dealing with the anger, upset and financial loss you have already suffered and entice you with false promises.

 

Article in the Express on Monday 10th of April about Falcon Management services Ltd in the Crusader section

 

http://www.express.co.uk/finance/crusader/790244/the-crusader-debt-collector-trader-falls-victim-get-back-money-owed

 

Hope this post saves someone else from being even further out of pocket and being harassed by them

Edited by dx100uk

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go report them to the FCA.


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they prey on the ignorant and as many people suddenly find themselves in new situations that grasp at any straw rather than doing their research.

 

Ultimately no DCA can guarantee to collect a debt,

even court action only gets you the right to a claim and the debtor can still avoid paying if they really want to.

 

Alternatively many debtors cant pay.

My brother, the famous Eric owns a distribution company that serves the motor trade.

 

He has had many of his customers go bust and has not chased a single on through the courts as it would be a serious waste of time and money.

 

He is fortunate that he doesn't have massive overheads or business debt so can ultimately carry on.

 

Knowing your business and the risks it carries is a must

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I realise that I'm unlikely to get my money back and cant believe I have been this gullible.

 

What they do is turn the tables and start hounding you,

threats of further actions and demands for further payment.

 

They have informed me they have passed my details onto a collection agent who will pay me a visit.

 

Any advice on how to respond would be welcome

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Ignore.

 

Any doorstepper is totally powerless

They are not and cannot ever be bailiffs

 

Tell them to leave your property or you'll call 101

 

But actually they never turn up

 

You are under no obligation to discuss debt at your door nor on the phone

Edited by Andyorch
edited

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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how to respond to a doorstepper?

Well, they are generally self-employed and were misled as to the sort of work and its financial returns

 

 

"the debt is disputed so please leave my property and do not return" is a polite and informative enough statement.

 

 

You dont have to justify yourself to a stranger so dont engage any further, just close the door.

 

 

They will be used to it

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Hi everyone,

 

I am the person mentioned in this article. I have also had a radio interview aired on BBC Radio 4.

 

 

Falcon has promised me my money back and asked me to send them an invoice, which I did on 8th May

 

 

. I was assured it would be paid on 14th May.

 

 

This was a Sunday so actually it turns out they meant 15th

 

 

then I was told paid meant processed which is different.

 

I have still not received payment obviously as they never intended to pay it.

 

I am in the process of setting up a consumer help page for everyone who has been affected by this company to come together in one place and help one another.

 

I am hoping it will help us to stop anyone else being affected by their bad practise.

 

If we could share what happened to us we should be able to show the police that their bad practise is illegal.

 

They added clauses to a document I signed and sent them back to me, claiming that it was a contract.

 

Luckily I had saved all comms and can prove this.

 

I will post it shortly.

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well might be better to do it here .

then you have legal help too.

 

action groups tends to get infested with know alls that start pointless arguments.

 

we don't allow that.

 

dx


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

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Falcon tell me that they are just having threads on here removed so it might be a bit of a waste.

 

They wont have the same success elsewhere as they don't often agree to have content removed.

 

Allegedly they have had two threads removed on here so far?

 

They threaten people with legal action at every turn.

 

They even threatened the BBC and Express

who had obviously had their stories checked by their incredibly knowledgable legal teams!

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Falcon tell me that they are just having threads on here removed so it might be a bit of a waste.Not true They wont have the same success on Facebook as Facebook don't often agree to have content removed. Neither do we Allegedly they have had two threads removed on here so far? Not trueThey threaten people with legal action at every turn. They even threatened the BBC and Express who had obviously had their stories checked by their incredibly knowledgable legal teams!

 

Regards

 

Andyorch


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Regards

 

Andyorch

 

Thanks for the clarification. I shall let Paul who I am dealing with know.

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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 OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

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we do NOT bow to any fleecers we fight back..hard.

don't believe all the bull you read or what they tell you ever.

 

 

dx


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

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They have reported me to the police for harassment now allegedly because I keep emailing them asking them when my invoice will be paid!

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haha let them then.

send the police the FCA link...:-)


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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that is not harassment. Ask any debt collector and they will tell you that phoning people at midnight or repeatedly texting them is normal debt collection activity, not harassment so it has to be true the other way round.

Anyway they SAY they have reported you, did they give you a CAD number from the police?

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that is not harassment. Ask any debt collector and they will tell you that phoning people at midnight or repeatedly texting them is normal debt collection activity, not harassment so it has to be true the other way round.

Anyway they SAY they have reported you, did they give you a CAD number from the police?

 

No I asked for it and said I would make a statement happily.

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thought not, just more lies from a buch of dodgy dealers hoping you will go away and let them get on with their chicanery in peace.

 

also, all of their threats didnt stop the article being published did it? If there was any truthy to their words no paper would have risked a libel suit.

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We have been ripped off too by Falcon Management Services Ltd.

 

A guy called Mike hounded us for a few weeks as he had obtained our details regarding a loss suffered from a client going into liquidation owing us several thousand pounds.

 

He claimed to be able to get back our funds as the Director of the Company which had gone into liquidation had been skimming cash from the business.

 

He told us he had obtained details of this by contacting the Director and claiming to be from HMRC!

We would not sign up with Falcon as I wished to research them first and could not see how he could get back our lost money when the Company in question had a professional company employed dealing with the liquidation.

 

We went on holiday, without any instruction being given to Falcon Management.

 

However,

on our return Mike contacted us once more advising that he had visited the Director

(he even described the look on his face!) and had obtained a first payment of £1300 and an agreed payment plan.

 

I requested this to be put in writing, which he did.

Upon receiving the written document we paid Falcon their fee.

 

To cut a long (and very stressful) story short, Mike lied.

We have spoken to the Director of the Company he claims to have visited and he's never heard of them.

 

They have lied and conned us.

I have had communication with the Directors,

but clearly by the forums (and Daily Express article) they are quite well versed in avoidance of their moral obligations and know that they are totally ungoverned in their business practice and have no integrity whatsoever.

 

We have reported them to Action Fraud.

They need stopping.

 

What they are doing is theft by conning small businesses out of their hard earned funds,

when they have already suffered a huge financial loss and are desperate to recoup it.

Edited by dx100uk

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I have logged a complaint with the Insolvency Service (Investigations and Enforcement Services).

 

I do not intend to sit back and allow this outfit to do this to other small businesses.

 

Its disgusting that they are allowed to carry on preying on small businesses without any repercussions.

 

The link is available online on Insolvency Service, Complain about a Company.

 

I have also had a conversation with the Insolvency Service Team prior to submitting my complaint.

 

I have already received threats of court action from Falcon, but it is clear too much evidence is stacked against them.

Edited by HW10

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how did you pay them?

cant you get it back?


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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Yep unfortunately we got duped too

BUT after their empty threats of legal action,

we checked out their T's and C's and all was not as appeared to be,

we swiftly reminded them of their behaviour.

 

They tried to trap us in a renewal clause in a contract that we've never seen before,

stating 30 days notice required to cancel (which is actually today) or pay the Invoice attached by 4.30pm.

 

This 'Contract' was attached to my original debt collection form and was not there upon signing the consent to chase our debt.

 

Upon investigating a bit further, it appears the document was created and edited on a mac this morning (they really should check their document history before editing, adding pages, sending them and then threatening people)

I don't use a mac and neither do the rest of my staff, absolutely disgusting.

 

Upon further investigation,

one of the directors is a 26 year old with 4 CCJ's against the company adding up to £8,979!!

 

With a company net worth of 18k and this CCJ, I would say their efforts haven't been that successful.

 

Note to self: Check EVERYTHING before instating anyone to collect debts and I advise everyone to keep a level head and do some thorough research when you've been burnt.

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Pleased to say all resolved satisfactorily and the above will be deleted by moderators in 24 hours

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