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    • Hi. Could you post up what they've sent please so we can see what the charge is? Cover up your name and address and their reference number. HB
    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • 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
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Bank creating repayment plan without telling me


UkDanny92
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Hi All,

 

It's a quick question.

 

I took a credit card out with Lloyds Bank, then unfortunately I was made redundant. I went though their income and expenditure document to inform Lloyds and they put a hold on the card.

 

About 5months later they put a repayment plan in place and according to them, they sent a letter. I did not receive this letter and they made no other contact to me about this.

The bank said that because I had failed to pay the repayment plan, the account will be sent to another company.

 

My point is, if I receive nothing about a repayment plan, and the bank don't contact me about it, how can I be held liable for not paying a repayment plan I knew nothing about?

 

 

It's incredibly frustrating dealing with Lloyds Bank, they've been nothing but difficult all the way through. Soon as I got another job I contacted them to make repayments and they told me I no longer have an account with Lloyds so I can't pay anything right now and no-one would speak to me about the account.

 

I went through with the complaints manager who in his final letter he stated that he will uphold my complaint but then and the end of the letter he stated nothing will be done.

 

 

Anyway... My question was about the repayment plan, if the bank are using that against me to say that I didn't pay, surely they have to actually tell me about the plan so I can pay it, right?

 

 

Thanks

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well immaterial really with or without the plan

you under the credit agreement you still had to pay them.

 

so its been sold to a powerless DCA?

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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Its an excuse put in place and the debt was /will be assigned....on paper looks like they have tried to treat you fairly before assigning the debt...ignore the DCA and save it for the day if a claim is ever issued.

 

Confirm the DCA once you have been informed.

 

Andy

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