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    • Correct, my brother is the keeper and so VCS are suing him.    I've submitted the AOS in my name now and I can't change it... Could this be an issue?    Thanks
    • Hi recieved this letter it says there's an outstanding balance that needs paying on my Mother's old EE account.   Long story, on this  site somewhere, but the account was closed with the help of Ofgem and EE was maded to pay my Mother 50 quid as compensation for 'poor service'.   My Mum passed away last January, and I don't want to get into this with what I believe must be some kinda [problem].   I was a long time carer for Mum and I'm now suffering from Anxiety and depression. Don't want to get into a discussion with these people now.   Oh it threatens to increase the amount if I don't pay.   But I've got all the paper work from last time just too stressfull atm, still trying to get through one day at a time. Hope someone can help, lowest stress approach without them getting a penny.   Thanks in Advance.                                            Bob
    • Okay, you're not in any particular hurry so I suggest that you write to them and ask them if they will account in detail as to why they consider they are entitled to retain the entire £450 and whether they believe this reflects their administrative losses and if so you believe that you are entitled to a detailed breakdown of those losses. I would be careful about the letter not to couch it in terms which might be interpreted as an admission by you of any breach of contract. You can post a draft here if you want. I think that you can look forward to issuing a claim in January. I think it's very important to send the letter which I have suggested here and so I can't really see that you will be in a position to issue any claim until the New Year. It will of course have to be preceded by a letter of claim which you will probably send a few days after having received their reply to your enquiry – or in any event in the first week of January.
    • Will get to the post office now and avoid email.  Draft defence, feedback much appreciated;    I am the defendant in this matter and deny liability for the entirety of the claim. The particulars of the Claim disclose no cause of action against the Defendant on the following grounds:   1.    It is denied that the registered keeper of vehicle XXXXXX parked in breach of the terms of parking stipulated on the signage at Regents Retail Park on 16thSeptember 2018.    2.    No contract was formed or agreed between the registered keeper and Local Parking Security Limited. The contract between Local Parking Security Limited and the Landowner which gives Local Parking Security Limited the right to enter into contracts with the public has been requested and has not yet been supplied.     3.    This claim is has no legal standing and the case is requested to be dismissed under CPR 3.4.
    • I will try to break down the answers to individual points Thanks for taking the time to offer considered replies   RE admin fee offer I addressed this in post no 4, and was questioned as why I was offering , confused ! But I can revisit that with an offer , Not sent a LBA or formal letter as opposed to email as yet , which I can do   I have addressed the question of their losses in a roundabout way , they bleat on about it being , unfair that they kept a booking open for me , and would lose money by refunding me    Yet  in another message they tell me they had to turn down many requests for bookings , to which I have suggested they would have to prove they were not able to fill the vacant place at short notice ,so having  minimal losses  . I have covered losses indirectly .I will though ask directly for them to quantify their losses in this specific instance .   My daughter moving back home incurred  us or her no additional expenditure ,in fact for her , she would have had less outlay , think “bank of mum and dad “😘 With regard to claiming the whole amount , I take it I should address this in any CC action, then  indicating I will be  refunding the insurance company , as the kennel are already aware the insurance company have settled on half of the amount in question  
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Firefly16

MMF claimform - old CFO PDL

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that's what we are here for...

 

Received letter from solicitor with some info about the pay day loan but not all of it for starters it has wrong address on it , it states they do checks lol.

 

But they didn't do any not even credit checks they gave first loan and 3 other top up after that without even having one payment being made first loan was £150 then £250 then £350 how irresponsible if lending all that without one repayment being made. .

 

The letter also says they would prefer if settlement can be done through them or mediation. All interest has been taken off also. So only what was lent is owed.

Not sure what defence can be done apart from irresponsible lending in first place .

 

Is it best to agree to a settlement out of court now not to get a ccj or fight to the end but on what grounds.

 

How much would they of bought this debt for anyway.

Is it worth offering them a little payment of original debt .

 

sorry to so many questions .

Edited by dx100uk
Spacing

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Scan it up to one multipage pdf

Read upload


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

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Scan it up to one multipage pdf

Read upload

 

Don't know how to do that I only got my phone see.

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Read upload it tells you how


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Read upload it tells you how

 

I tied I don't understand it computers downloading or uploading I honestly habent hot a clue about I just about use my phone awful sorry but just get so confused by this kind of stuff.

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Hi when these companies buy payday loan debts does anyone know what they pay for them roughly?

 

How can they buy these debts for peanuts but you have to pay the full debt that isn't even theirs?

 

Should this be legal?

 

Can you fight court orders on the grounds you don't owe them the debt as the deal wasn't with them in the first place?

 

Just curious about all this so thought I.d see what the answers are.

 

Thanks

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Hi when these companies buy payday loan debts does anyone know what they pay for them ruffly? Between 5 & 22% depending upon age and also depending upon value of the portfolio

 

How can they buy these debts for peanuts but u have to pay the full debt that isn't even theirs? Perfectly legal and nothing wrong with it but it is questionable aspect

 

Should this be legal? Once again - Completely legal to buy and sell debts. Transfer of ownership etc

 

Can you fight court orders on the grounds you don't owe them the debt as the deal wasn't with them in the first place? You can try - I think our defence for CCJ claims may make a mention about how the company purchased and arent the original creditor but I dont get involved that much so couldnt confirm

 

Just curious about all this so thought I.d see what the answers are.

 

Thanks

 

Above.

 

When purchasing accounts, they pay very little but attempt to recover the full amount. They sell and buy under a Deed Of Assignment which is a comercially sensitive document between 2 companies to sell and buy the debt.

It contains lots of people's info which you are not allowed to see :( It explains to the buyer that all debts are sold "AS IS WITH ALL FAULTS AND CANNOT BE HELD LIABLE FOR ERRORS". It includes the final payment to the seller of how much they will be paid to release ownership of these accounts...

 

Basically - You dont stand a chance with the above...

But we can help ... Whats happening? Have you recieved a claim form?


**Fko-Filee**

Receptaculum Ignis

 

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Want a secure email to send pictures of the pages to?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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I.m trying to help a friend with her county court claim

 

I.m already on here getting advise just it's confusing me

need things explained really basic for me to understand then

 

I.m ok I know most but they have now started to offer mediation which is a new thing I gather ,

but when people say do this do that in lawyer talks it goes over my head.

 

I.ve aspergers so confused me on times.

Edited by dx100uk
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Can you fight court orders on the grounds you don't owe them the debt as the deal wasn't with them in the first place?

Nope. Law of property act 1925 says all right and obligations can be transferred


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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threads merged FF

please keep to one thread

 

so have you actioned post 23

 

and do you want a secure email address to send pictures of the letter you are unable to scan up here

if si ill send you one and i'll get the docs up for you.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Yes please that be great I not filled them in yet sorry took so long not well.

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