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    • Found a BMA article related to this subject which I think the OP will find helpful. Patients recording consultations WWW.BMA.ORG.UK Our guidance answers if patients can record doctors without permission or covertly, how to respond when a patient asks to record their appointment and what to do if a covert recording is posted online.  
    • Ah - that was another thread that got merged back in 2018   That 'split' doesnt refer to this legal matter  
    • Thanks dx for your kind words. I plan to renew my season ticket and write a new begging letter as following, can I ask for any suggestion about it?   Dear Investigator/Prosecutor,   Thank you for your reply. I deeply regret my actions and the inconvenience they have caused.   I’m extremely remorseful for my crime. and regret it everyday. I often ask myself ‘’how can I do that thing just because I felt it is interesting. There are a lot of crimes in the world, but feeling it’s interesting is certainly not a reason to crime. I should not crime with any reason.’’ I think about these things every day, and I understand that I can’t blame anyone but myself.   I thanks to the staff who stopped me, as this is a valuable lesson in my life. I told myself that I should never ever repeat such a thing again, and never ever do anything which is possible to be in breach of any law. As a result, I carefully tap my oyster card every time before I enter the station now. I remind myself that I did a wrong thing before, and I should never let it happen again.   Although my monthly travel expenses do not warrant a season ticket, but I just renew my season ticket (please see the attachment). I understand that a crime cannot be truly compensated for, but purchasing a season ticket offers me a small measure of comfort, knowing that my actions caused a loss to the public interest.   I received an email which ask me to negotiate being class teacher in this summer (please see the attachment). I hope that I could teach the lovely students again, which may not be allowed with a criminal record. I would please ask that you would please provide me a single opportunity to settle all outstanding sums owed outside of court without the need for legal proceedings which would have a determinantal impact on my teaching career.   I sincerely apologise again for my crime. If you need anything further from me to help you please let me know.    Yours sincerely,
    • You did what??? You asked them to send you the documents that without them you had  a 100% ironclad win in Court. Why on earth would you do that? As it happens in this case, there is still enough mistakes in their PCNs and the NTH to have your case cancelled. Amd it may be that not sending those documents in the first place along with the ICO complaint and the letters from Alliance themselves which would confirm by the dates on the letters may be enough to cancel it anyway. I hope you have kept their letters as evidence? The chances are that Alliance will not actually take you to Court because of their errors but you never know.  You have made so much extra work for yourself in your WS if they decide to push their luck.though. Can you please post up their letter where they give the reason why I wasn't sent with the NTH.
    • I'm not sure that I fully agree with my site team colleague above.  My understanding is that there is nothing to stop you recording but it is strictly for your own personal use.   
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Cabot chasing an old MBNA debt I don't recall having


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no never SAR a DCA.........

do you know the CCJ number?

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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I celebrated after 2 or 3 direct debit payments were returned and shredded everything, I know better now.

 

From recall I was paying Geoffrey Parker Bourne Solicitors and I just googled them and things have gone pear shaped!

They collapsed around the time my payments were returned

but no one from Wright Hassall Solicitors (really!) that took over contacted me.

 

All I can think is that I should get bank statements dating back to 2008 which will show the regular £35 payments,

who they were paid to,

that I never intended to stop paying and then back track from there?

 

p.s. Why should we never SAR a DCA?

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you dont sar a dca because they have no info on the debt. They only have youre name, address, and basic debt info on a spreadsheet. They wont even have the actual paperwork needed to enforce any debt until you legally request it, then they have to request it from the OC.

 

its a very very shady industry

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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5th time of asking....

 

do you know the CCJ number?

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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Sorry dx100UK and renegadeimp, I'm not ignoring or avoiding your questions.

 

As said I shredded the CCJ thinking it was a part of my past and one more weight off.

 

I've been trying to find paperwork while dealing with life and Cabot aren't helping.

 

I have only the account number on the Cabot letter.

 

If they have only basic details and not the full paperwork how do they actually sneak CCJs on people?

 

I did the statute barred letter and they responded saying I have acknowledged the debt by paying 6 installments in 2013

but as far as I was aware the returned payments meant I'd paid the debt off and their letter said nothing of the payments I'd made between 2008 and 2013.

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yes they can get a CCJ on an undefended debt

as no human is ever involved

its a rubberstamped default judgement.

nothing is checked

 

have cabot mentioned the CCJ or that they know they have a court judgement?

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

How can I prevent it being a 'rubber stamped default judgement'?

Other posts suggest that nothing is checked but they still get away with it.

 

I've always been honest about what I owe,

thought I was in the clear and now find that my debt was handled by a solicitors firm that was less than circumspect.

 

Surely the court should write to me if they take it that far?

 

And if they do, what do I reply with?

 

I still intend to be honest, but I expect that the law will be followed by all parties.

 

Your Q - Have cabot mentioned the CCJ or that they know they have a court judgement? No, not yet

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If they have your address then they have to send a fair bit of notice, and go through as lengthy procedure.

 

If this ever happens, we'ill help you every step of the way.

Right now though, theyre just phishing. Don't bite.

 

As for following the law...

Nah DCA's rarely ever do that.

 

Which is why they bluff and lie.

 

SOme even have the nerve to go to court on the court date and beg you to settle in the waiting room.

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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they now have your correct address

so no backdoor CCJ

 

and if there was an existing CCJ on this and it moves fwd

you'll get a letter from the court or the court bailiff.

 

till then i'd ignore all comms esp from cabot or their dogs.

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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  • 2 weeks later...

Got a letter from Cabot today.

 

"Thank you for paying in the past, we appreciate that you tried....you have £xx outstanding.

 

You can set up a peronal payment plan..."

 

From recall my CCG was held by Geoffrey Parker Bourne Solicitors, who are now down the drain.

 

So, if GPB owned the debt that would be out there for scavengers now?

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no GPB were sols they don't own debts...

 

their clients was...

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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