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    • I booked a one way flight online for my wife and I with Ryanair in December '19 for a flight from Spain to UK in August '20. The flight confirmation showed that the cost of the flight was €145.68 and that my card had been debited £133.01.  I don't recall being given the option of choosing to pay in euros or GBP but it is possible that I was.   On 5/2/20 they contacted me to advise that "Due to the non-delivery of the Boeing Max aircraft this summer, please be advised that there has been a significant time change to your Ryanair booking". It was in fact much more than a significant change in that it was a cancellation of a flight on that day from that airport which had been tailored to fit our preceding travel plans so I just asked for a refund, as I could not find a suitable alternative with Ryanair.   The refund was processed and Ryanair sent me an email stating, "We confirm that your refund request has been processed back to the form of payment used to pay for your booking. Your issuing bank will take 5-7 working days to process this refund amount back to your account. The amount refunded to your credit/debit card is GBP 133.01"  When I checked my bank account I saw that they had refunded me €145.68 which when exchanged left me £119.58 leaving me £13.43 out of pocket.  On contacting Ryanair they said it was my bank's fault and not theirs as they refunded the full amount paid.  My bank advised that Ryanair debited my account originally in GBP therefore they should have refunded this amount in GBP.   I made an official complaint to Ryanair which they have rejected stating that I was in breach of their General Conditions of Carriage by not selecting the correct payment option.  I feel that because they did a currency conversion on payment and debited my account in GBP that they should have refunded the GBP amount that they took.   I also wonder how many others has this happened to and I smell a large rat. Could anyone offer any views on this, and/or if I have any comeback and where I could take it please?
    • So I received a further letter and a phone call from Ruthbridge yesterday offering a 70% discount and through a lot of waffle go on to say verbatim (I hung up the phone without admitting who I am):   "If you fail to contact us... we may return the account to our client (cabot?) who may look at alternative activity"   I'm guessing they know it's SB then as there is no reference to court, however they do state that the credit reference agencies will be updated to reflect "partially settled" should I take advantage of their offer - there is no HSBC/Cabot/Ruthbridge account showing on any of my credit reports.   DX apologies if you take it as I am being difficult or dim, however I remain concerned that the CCA request does not contain the words "I do not acknowledge any debt" or similar and because only a debtor can apply for the CCA (as I'm led to believe) then sending for this in 2015 has reset the date of acknowledgement of the debt - has this ever been used by a DCA as an acknowledgement of the debt?   Furthermore with the 2015 letters and 2020 letter having completely different amounts allegedly owed and reference numbers that differ from the original letters from Cabot and the CCA supplied back in 2016 this is giving me a further level of concern over the best course of action.
    • Hi everyone   Just want to say hello as a new member. Looking forward to reading, learning and hopefully participating in the forum.   C
    • Hi. Yes I want to keep the vehicle. I shall get my head around the upload procedure.   Thank you   Cheers
    • Yes the car was registered at the address and I was living there. 
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whaleman

C&H group sent blank court claim form

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Hi to everyone this is my first post,

 

I have received a blank court claim form from this debt agency C&H group saying they will activate this in 72 hours from today if I dont settle a debt with their client.

 

I have never heard of this tactic before

 

I have also checked companies house and this company is not on it is there any other way I can check them out

 

thanks

 

whaleman

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Don't worry. First of all there is a pre-action protocol for debt claims and they have to give you at least 30 days which can eventually be extended by your replies to 90 days. If they are threatening to bring an action within 72 hours then they are breaking the rules and frankly is a bluff.

 

Why don't you post the form up here in PDF format – redact any identifiers – so we can all have a look at it.


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These clowns? https://thecandhgroup.com/

 

What's the debt all about?

 

Are you keeping a diary of events also?


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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HI Bazooka Boo thanks for reply

 

it was for some advertising for my daughter she was trying to start a new business which never got off the ground

IMG_20180308_0001.pdf

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Yeah well, you can scan and copy that, then forward it to the FCA with your formal complaint about them intimidations and exploiting a debtors lack of knowledge.

 

I'd be ignoring them, silly little children, quite who they think they are is anyone's guess, but puerile amateurs wouldn't be a bad start.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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HI Bazooka Boo thanks for reply

it was for some advertising for my daughter she was trying to start a new business which never got off the ground

 

Who was the advertising company?

 

Have you got the contract/agreement??

 

How long ago?


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Thanks Bazooka Boo I will be doing that tommorrow

 

thanks once again for your help.

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ah the old advertising sc@m

internet or service magazine etc?


please don't hit Quote...just type we know what we said earlier..

 

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business to business debt collection

there are all kins of rouges out there that think they are superman

when infact they have ZERO legal powers to do anything

sadly I don't think they have to be registered either


please don't hit Quote...just type we know what we said earlier..

 

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Its not B2B business to business......." it was for some advertising for my daughter she was trying to start a new business which never got off the ground "

" C&H group saying they will activate this in 72 hours " Activate :lol:

 

I have not seen that old here is a blank claim form stunt pulled for years .....smacks of desperation

 

 

Andy


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Hi Bazooka Boo

my daughter arranged the advertising over the phone and that was it we never saw any adverts anywere, waiting for my daughter getting in touch with the company name.

 

We had the threat of court in 2017 so I sent them a Pre Action Conduct - Request for Information on 4th december 2017 and never got anything back from them

IMG_20180309_0001.pdf

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its time these guys were rounded up

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Hi Bazooka Boo

my daughter has informed me it was all done over the phone thats it, no written contract, it was about 5 years ago but she cant remember the company name.

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tThe sending of blank court forms is unlawful and can be reported to the Courts Service but in reality they do nothing about it.

 

The dca has no powers to do anything anyway so if they filled out a real form and submitted it they would lose as they arent solicitors so have no "locus standi" and would get a severe ear bashing from a judge.

 

The types of companies that behave like this are generally too incompetent to even tie their own shoelaces so best just ignore them.

Do understand something though, if your daughter was trying to set up a business that in law is the same as running one so B2B rules on contract law counts.

 

However these advertising co's are such low lifes they never do as they say they will so they wont want to go to court because they wouldn't like the bad publicity and the attention Trading Standards would give them afterwards.

Edited by Andyorch
Paras

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Thanks for reply ericsbrother, that makes sense to me, I will make contact with them once more to let them know they will be getting reported to the courts service and the FCA you never know they might get their hand slapped, after that I will ignore them.

thanks again ericsbrother

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Thanks for reply ericsbrother, that makes sense to me, I will make contact with them once more to let them know they will be getting reported to the courts service and the FCA you never know they might get their hand slapped, after that I will ignore them.

thanks again ericsbrother

 

I personally wouldn't bother...file it away


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I would also ignore for the following reasons

 

1 The company (although at a different address) was struck off the register at companies house.

 

2 The FCA licence has lapsed

 

3 There is no record of this company registered with the Information Commissioner


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Ignore them

You should never have replied with that stupid prr action rubbish

Who told you to do that?


please don't hit Quote...just type we know what we said earlier..

 

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Hi silverfox1961 i checked companies house myself and couldnt find them on there

thanks for info

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Ignore them

You should never have replied with that stupid prr action rubbish

Who told you to do that?

 

Hi dx 100uk they had threatend us with court and I wanted them to prove who they were and to play for time, I have read on other forums to do this if a threat of court is sent to you

Thanks for your replies

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no really in this instance it just invites letter tennis and makes them think one more letter will hook you in.


please don't hit Quote...just type we know what we said earlier..

 

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I'd just ignore- a blank claim form means nothing.

 

If you were feeling playful you might respond: "I note receipt of your claim form, which was either blank (and that'd be pretty pointless!), or written in invisible ink.

I intend to robustly defend, and enclose a copy of my proposed defense, written in the same invisible ink........."

Enclose a blank sheet of paper.

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no one suggested that you respond to them, I wouidnt waste a stamp. If you are going to report them then just do so, dont warn them.

 

Thanks for reply ericsbrother, that makes sense to me, I will make contact with them once more to let them know they will be getting reported to the courts service and the FCA you never know they might get their hand slapped, after that I will ignore them.

thanks again ericsbrother

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Hi guys thanks everyone for your great advice, although you get that gut feeling that you just want to retaliate and make them feel like they have made you feel, like you say its best to ignore under these circumstances.

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