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    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
    • In anticipation of lodging my court claim next Weds 1 May (14 days after advising P2G that was my deadline for them to settle my claim) I have completed my first draft POC as below: Claim Claim number: xxxxx Reference: P2G MAY 2024   Claimant xxxxx   Defendant Parcel2Go 1A Parklands Lostock Bolton BL6 4SD  Particulars of Claim The defendant has failed to arrange for the safe delivery of the claimant's parcel containing a 8 secondhand golf clubs (valued at £265) that was sent to a UK address using their delivery service (P2G Reference xxxxx). The defendant contracted Evri to deliver the parcel (Evri Reference xxxxx) and refuses to reimburse the claimant on the grounds that the claimant did not purchase their secondary insurance contract. The defendant seeks to exclude their liability in breach of section 57 Consumer Rights Act. The secondary insurance contract is in breach of section 72. The claimant seeks reimbursement of £265, plus P2G fees of £9.10, plus postage costs for two first class letters to P2G of £2.70, plus court fees, plus interest. The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from xxxxx to xxxxxx on £276.80 and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of £xxxx   Details of claim Amount claimed £276.80 I look forward to your thoughts and comments guys! As ever, many thanks - G59    
    • Hmm, that's strange how they got my email then.  I assume the below is ok to send to DCBL, Nicky?  Hello, I am writing regarding our ongoing dispute and the upcoming court claim reference xxxxxxxx. To ensure fairness and transparency in our communications leading up to the court hearing, I request that you use postal mail exclusively for all further correspondence related to this claim. Please refrain from sending any communication or documents via email. Thank you for your understanding and cooperation. If you have any questions or need clarification, please feel free to contact me via postal mail at the address provided above. Yours sincerely, xxxx
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Backdoor Capquest CCJ Shop Direct CAT debt


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no

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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The form is self explanatory...you must list all income but only yours is taking into consideration with regards to payment amount.

We could do with some help from you.

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The form is self explanatory...you must list all income but only yours is taking into consideration with regards to payment amount.

 

Had a quick look. States my takehome pay. Doesn’t mention about joint or spouse except under other

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Had a quick look. States my takehome pay. Doesn’t mention about joint or spouse except under other

 

I never stated it did...I said all income.

We could do with some help from you.

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Right this is getting confusing but I’ve made some progress

Have N245 filled out and ready to send Monday

 

Now remember this CCJ is from Capquest of whom still think I live at an old address

 

This other correspondence I’ve received from Cabot isn’t anything to do with me

Another letter arrived but details were wrong, surname is almost identical to mine and the figure is £200 out

 

Curious I rang, the text I received was also sent in error as there system has a number which is 2 digits different to mine.

 

So with my name being wrong, phone number wrong and plus other details like DOB and are way way out they concluded it’s not me.

So the Cabot issue is over and done with.

 

This leaves the CCJ with Capquest, now as I said they bought the debt 2014, issued CCJ 2017

 

I’ve never heard anything in that time so I’m presuming they have my old address which is obviously why I’ve never heard anything so must also means they cannot find me

 

As daft as this sounds, from 2014-2017 they didn’t hear from me.

Sent court papers in 2017 and didn’t hear from me.

 

Issued CCJ and still not heard from me and now it’s 2018.

 

Almost 10 mnths since the CCJ was issued and the court said they’ve not heard anything from that date either from Capquest ie bailiffs etc etc

 

What’s the chances of them actually chasing this up now as they don’t seem to concerned even after getting a CCJ against me.

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So if they are not chasing then dont bother with the N245.

We could do with some help from you.

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So you think it’s best to kinda ignore it until I hear anything from them

 

Your choice......they have 6 years to execute the judgment...but you state they dont know where you are ...they will once/if you submit the N245

We could do with some help from you.

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Your choice......they have 6 years to execute the judgment...but you state they dont know where you are ...they will once/if you submit the N245

 

True but then the last payment was 2014, so been three years. So if nothing in the next three years it’s statue barred is it not?

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True but then the last payment was 2014, so been three years. So if nothing in the next three years it’s statue barred is it not?

 

Afraid not...the clock stopped when they issued the claim...the 6 years I refer to are with regards to executing the judgment...not the debt

We could do with some help from you.

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That’s interesting as I was always under the impression it was when it was acknowledged by me.

Ie last payment made it last contact.

 

After six years it can’t be enforced as by saying what u are a debt could be 5 years and 11 mnths old, get a CCJ and it resets it for another 6 years

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no as they have a CCJ. stopped the clock

 

good job you came here then and found out the correct things.......

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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A letter was handed to me today from someone whom now lives in my old address from years ago.

Dated Nov 2017.

 

It’s from Restons Solicitors saying if I pay half,

theyll close the account

and mark it as partially settled on my credit file and that would be the end of it

 

No mention of CCJ on it (issued may 2017)

it’s like they don’t know it was issued as they’ve offered a discount to close the account

 

Obviously that time for the offer has passed,

but I wonder if I make contact and say would they still honour that offer and set up a payment plan to clear it

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are you SURE its the same account number

[but no I wouldn't!!]

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

cause they want to find you to forward the claim I suppose

 

interesting they offer a discount

sounds like all of the debt might not be correct

 

penalty charges and unlawful Buy now pay later interest levied by shop direct?

 

if you've not still got online access to the account

then p'haps send SD and SAR get all the statements?

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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It is interesting as I’d thought one would they’ve obtained the CCJ they wouldn’t except anything less as they’ve got the legal power behind them.

 

VERY which is shop direct do add stupid fees and charges so I wouldn’t be surpsied if that’s got something to do with the offer they’ve sent so they’re trying to get something rather than nothing as I’d imagine a judge wouldn’t look to kindly at silly charges being obtained

 

I’ve not got any access to anything so may well do that, however wouldn’t this give them where I am now which may cause issues

 

I’m keeping the letter as evidence if they try playing silly buggers ref the amount so I can argue that they’re willing a 50% discount on the balance

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nothing to do with shop direct they sold the debt

sar to them is your legal right.

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

original creditor as I said in post 69

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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