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    • Good Evening, I received this pack yesterday its an application notice to change claimants. Will they be chasing me for this as they were successful with the first claim? many thanks Webb 1.Application Notice N244rd.pdf 2.Asset Transfer Deed r.pdf 3.Notice of Assignment Part A Letter 1 & 2rd.pdf 5.Claim Form rd.pdf 6.Draft Order rd.pdf
    • Hi, If they haven't followed the court's directions there will be little tolerance of the court. Anyway please can you upload a copy of the court paperwork
    • Yes, you should have applied for an immediate strike out as soon as the deadline expired. Without the agreement, they are stuffed Forget Barclaycard, Asset link is now the creditor, and it is down to them to provide the agreement.  That needs to go into the witness statement. They have not provided the agreement contrary to directions of the court and request the court strike out the claim as to the original court directions.
    • I did not receive a notice via post but in my claim status it shows my claim was transferred to a court I requested in my DQ, as it is closer to me.    Defense I filed:  1.       The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2.       The defendant paid the lead tenant a fixed sum monthly bill without fail for the extent of the rental period of the accommodation their contract was associated with who was responsible to make payments to the claimant, ending in June 2023. 3.       After moving out, a month later, the claimant wrote to state that an outstanding sum existed. Further stating, as one of the 10 tenants at the time, I now owed them the full sum instead of my 1/10 proportion of said debt, as 10 students were at the dwelling. They also intimated that they were legally allowed to charge me the full sum if the other renters were not to pay their share under some equal and joint severity rule. 4.       Despite sending numerous requests prior to the court claim being raised for copies of said bills for said utilities covered by the agreement, the claimant failed to send any clear bills. This included a CPR 31.14 on xx/xx/xxxx sent via post. 5.       The defendants stress that they acted in good faith to settle the outstanding balance, as evidenced by the confirmation received from the claimant.  Any subsequent demands for additional payments are unwarranted and contradict the claimant's previous acknowledgment of settlement. 6.       Pursuant to OFGEM code of back billing rules the alleged charges relate to charges which have not been billed correctly by Co-operative Energy and are therefore prevented from charging. With the court’s permission the Claimant is put to strict proof to: - a) show and disclose how the Defendant has entered into an agreement. b) show and disclose how the Claimant has reached the amount claimed. c) show how the Claimant has the legal right, either under statute or equity to issue a claim. 7.As per Civil Procedure Rule 16.5 (4) it is expected that the Claimant prove the allegation                  that the money is owed. 8.It is therefore denied that the defendant is indebted to the claimant as alleged or at all.
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      This is good ethical practice.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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ICL / PDE / PDUK PDL Queries


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Recommended Posts

Many thanks for your recent contact.

 

*

 

This account currently has no sums due or payable. Therefore, we have no current obligation to provide a statement of account under Section 77 of the Consumer Credit Act as per Subsection (3) of Section 77 which states that the requirement under “Subsection (1) does not apply to – (a) an agreement under which no sum is, or will or may become payable by the debtor.”

 

*

 

Kind Regards,

 

*

 

Customer Assistance

*

 

Payday Express

 

PO Box 255,

 

Bicester,

 

Oxfordshire,

 

OX26 4ZY

 

*

 

i not sure if I'm posting this correctly however I'm looking for some advice i received this email this morning and was wondering how i should proceed

thanks

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you need to start a new thread

of your OWN please

 

 

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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And this one from payday UK.

 

 

Many thanks for your recent contact.

 

The business has made the decision that when accounts reach a certain stage within the Collections journey; they may be sold to a third party company for collection. Going forward, your account will be owned by PRAC Financial Limited and will be managed by BW Legal.

 

We would advise that you contact BW Legal in regards to your account and Statement of Account request. You can call them on*01133 234497, you can email them at*[email protected]*or alternatively, you can write to them at:

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well you DONT !!

a DCA IS NOT A BAILIFF!!

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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You are entitled to a full summary of all loans taken in the last 6 years. This is usual spiel from PDE - PDUK are also under the same umbrella.

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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Hi all I sent them an email regarding irresponsible lending and asking for a copy of the loans I had from them

 

This is what I sent to a few companies

 

*I am making a complaint to you about irresponsible lending. To help me explain the details, I would like a list of my loans, showing when they were taken out and how much was repaid when. Please note that I am asking for a Statement of my Account with you, not making a Subject Access Request

 

Posts moved to a new thread for you. Please post here.

Lady... what are you trying to do ?

 

 

 

Thank you, I am trying to see if I can claim a refund from several payday lenders

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i'd just be sending an IR complaint to each

let them do the paperwork.

 

 

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

CAG Guide To PDL Reclaims

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

Not good enough im afraid.... I need to know how bad it is :)

So go and get statements from all the companies, and if need be send a DSAR.

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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Loan ID Date issued Loan amount Normal interest Total paid Original due date Date paid

1545975 05/05/2014 £100.00 £20.00 £120.00 23/05/2014 21/05/2014

1561877 21/05/2014 £100.00 £20.00 £120.00 08/06/2014 03/06/2014

1573572 03/06/2014 £200.00 £40.00 £240.00 21/06/2014 17/06/2014

1587156 17/06/2014 £200.00 £40.00 £240.00 05/07/2014 01/07/2014

1598812 01/07/2014 £200.00 £40.00 £240.00 19/07/2014 15/07/2014

1610369 15/07/2014 £200.00 £40.00 £240.00 02/08/2014 29/07/2014

1620453 29/07/2014 £200.00 £40.00 £240.00 16/08/2014 12/08/2014

1631373 12/08/2014 £200.00 £40.00 £240.00 30/08/2014 26/08/2014

1641601 26/08/2014 £100.00 £20.00 £120.00 13/09/2014 09/09/2014

1657126 15/09/2014 £100.00 £20.00 £120.00 03/10/2014 23/09/2014

1662329 23/09/2014 £200.00 £40.00 £240.00 11/10/2014 07/10/2014

1671917 07/10/2014 £200.00 £40.00 £240.00 25/10/2014 21/10/2014

1685789 25/10/2014 £200.00 £40.00 £240.00 12/11/2014 04/11/2014

1692072 04/11/2014 £200.00 £40.00 £240.00 22/11/2014 18/11/2014

1704159 18/11/2014 £200.00 £40.00 £240.00 06/12/2014 02/12/2014

1713259 02/12/2014 £200.00 £124.32 £324.32 27/01/2015 27/01/2015

1743402 27/01/2015 £200.00 £89.60 £289.60 24/03/2015 24/03/2015

1772362 24/03/2015 £150.00 £84.00 £80.00 02/06/2015 Outstanding

 

 

Received this loan summary from my jar, what steps should I take now?

Thanks

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pop that up as a PDF

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

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