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    • So I am now in receipt of a second Letter of Claim this time from DCBL although their letter head now says " DCBLegal"  😱 Now I'm guessing one response to a letter of claim is sufficient and I could ignore this but having been inspired by other snotty letters I wanted to have another bash at one. How does this sound? Dear Lackeys of Company with Unconscionable Morals, Thank you ever so much for gracing me with yet another Letter Before Claim on behalf of Excel Parking Services. How many of these delightful missives do you plan on sending before you muster the courage to follow through on your threats to take me to court? Just so we're clear, here is the response (in italics by that I mean the slanted text below) I previously sent to Excel’s Letter Before Claim, in case your attention to detail is as lacking as I suspect: I am currently 2-0 up in terms of Small Claims Court proceedings and I look forward to the opportunity to claim a hat trick, this case being more straightforward than my previous two. I will be asking the court for an unreasonable costs order under CPR 27.14(2)(g) due to your conduct over this absurd claim. Despite my best efforts, you continue to assert that I have breached your terms. However, I cannot breach terms that I was not present to accept. Have you even read my initial response? I suggest you review it thoroughly and save yourself some money. Additionally, please refer to section 13 of the IPC Code of Practice, 2023 edition. I eagerly await your deafening silence. Remarkably, I haven't heard a peep from Excel since my response; instead, they've passed the baton to you to perform this tiresome routine once more. Consider this my official notice that I am sending a cease and desist letter to Excel Parking Services. Their relentless hounding has crossed the line into clear harassment. Any further demands for payment from you, as Excel's lackeys, will be regarded as nothing more than shameless acts of intimidation and harassment. I now look forward to the deafening sound of your silence. Yours sincerely,
    • Personally I'd go to it and object for the sake of it. They have to attend anyway so I can't see you being liable for any costs or anything (if they try to ask for attendance costs, just say that firstly it is their application, secondly it is from their own making, thirdly that they would have to come anyway so you shouldn't need to bear their costs.   When you turn up you should object on the basis that the witness has been in office since the time of the order, and could have done their witnes statement in advance of their AL. Their poor planning is not your fault, 7 days is too rushed for you as a LIP and there is no good reason that a company can't organise itself to sort WX in time. Also they say finalise so they already have something, its not like thye have nothing. Their amendments cannot be so important if they are being added so late.   see what @AndyOrch says but that's my thoughts  
    • Yes, in the main your understanding of my case is right. Linked below to the post with the final WS sent to the court and to Evri.   
    • Hello, welcome to CAG. As you say, appealing this ticket doesn't help as these people hardly ever accept appeals. They don't care how difficult someone's life is, they just want the money. The forum guys should be along later with thoughts for you on how to deal with this. Best, HB
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Help with DCA's


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Hi guys a little help needed if i may ask..

 

I was with Step Change for about 10yrs (maybe longer) not sure..

i have 7 DCA acounts..

1 with Morecroft,

1 with Idem Capital Securities,

1 with fredrickson int,

and 4 with cabot..

 

I can only remember that 1 debt is for a bank loan Lloyds, now with cabot,

1 was an over draft, Lloyds again.. cant remember who i'm paying that 1 to?

and the others are for credit cards..

 

Because they are old, and i have really bad memory i can't remember who had what ACC?

 

i've no address detals for any of these DCA's but i have the Account Numbers, du i google there address info and then send off CCA?

 

Forgot to say that i've been dropped by Step Change because i didnt do my review in time.

 

any help in the right direction please?

many thanks.

Andy

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have you ever done a CCA request to all the DCA's?

 

if you haven't that would be the first thing especially on the credit cards

 

yes just google the address's and send them

 

for the overdraft you need to sent a prove it letter as its not covered by the CCA

 

I take it these are all pre 2007 as you said you have been in a DMP for 10 years?

Edited by dx100uk
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Yes these are all pre 2007..

i problem i have is.. i'm not sure who got the over draft?

 

i'm sure i read on here somewhere that i only need to send 1 CCA and 1 fee for the 4 Accounts i have with Cabot?

Edited by dx100uk
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Andy

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Send a CCA to them all, the one that comes back and says it’s for an overdraft and the cca isn’t applicable is the one you send the prove it to

 

Or you could phone step change and ask them

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Or you could register with noddle and see what they hold for you

 

http://Http://www.noddle.Co. uk

 

Doubt anything will show debts over 10 years old ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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just logged into Noodle and found, Nationwide Building Society have put a default notice on my file for the last 12 months?

i was paying Step Change all that time?

so i've no idea where this has come from?

all the other debts from the Step Change are not showing on my Credit file.

 

just done my letters if someone could let me know if they are ok.

Cabot_28-06-2018 pdf.PDF

Fredrickson_28-06-2018 pdf.PDF

Idem_28-06-2018 pdf.PDF

Edited by dx100uk
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Andy

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We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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why not simply stop paying [as you have by default] and await the deforestation through your door.

that way you'll know who owns yours debts

step change had the right address for you?

so the DCA's will ,

so no danger of backdoor CCJ's.

 

else send the CCA's for those that need it

and leave the OD alone.

a prove it letter simply invites letter tennis

see who writes to you about the OD first IMHO

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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send nationwide a free sar then

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 am surprised that Nationwide have recently added a default notice. There can only be one DN on your file and once filed, that date cannot be changed. Might be an idea to check back the records........

 

now you say only 1 DN.. i got 1 for every month for the 12 months that they started?

Andy

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no you got a nosia letter [notice of sums in arrears] not a default notice

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

IGNORE calendar markers they mean nothing!

 

defaulted date in the summary is the important bit!

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

12+2 working

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

Morning.. Just been looking at my Credit Report and the Default from NATIONWIDE, is from 29-6-17..

i dont know who owns the debt, it could still be with NW? i've not sent them anything yet.

 

do i wait until all the CCAs come in or do i send them a SAR?

Andy

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whom owns the debt will be noted on your credit file

so if this on is still showing as nationwide

they still own it.

 

it this an OD?

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

and they've got a CCA running too?

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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