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    • Today , after a lotof years i recieved a letter from this lot. Very friendly, "Were writing to remind you that we havent had any contact from you in a while".  The velvet fist, followed by  a veiled threat to get their preferred debt collectors involved. Yep dead right. In 1992/3 I took out a Student load under duress from DHSS. uP TO 2000 I hadsucessfully gotten deferment on low income. But rarther thansign on as unemployed,I decided to be self employed. I applied and they asked for all sorts of documents. I obliged and then correspondance ceased from them, circa 2001. To date  I have had no correspondance from Student Loans. I was made  redundant in 2009 and  reached 65 in 2012 , at which age the loan should have been cancelled. Now ,today, 12 years on retirement and 11 ( at least years after last contact) I get a letter with veiled threats. Do I , as I smell a scam a) ignore it and hope that Erudio will think that this phishing attempt has failed or b) respond with a statute barred letter or c) remind them of legal terms that loan should be cancelled 12 years ago or d) combination of b) +c)      
    • But I'm not mixing and matching. Sure, when researching I do check multiple avenues, but when speaking, I will open a single post. The Fb post was made in March, it is now June, time has passed, and when the suggestion was made, no further information was given on how I should progress beyond "send a letter", which has meant that I've needed to start another stream - this one, but only after taking the time to research first.
    • hes not turning you away he is simply saying that you should stick to one channel of advice. he is perfectly happy with that channel being this forum, and he will help you   all he is saying, and I agree, is that you should stick to one help channel, not mix and match 3/4
    • As long as we are clear . Do the reading and post your letter of claim in draft form as requested and we can go from there.    
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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PRA group/ BW legal


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Hi, I appreciate any help on this one.

 

My mum received a letter before claim from bw legal acting on behalf of pra group so we sent a cca request to pra group.

This morning she got a response from pra group saying that they were unable to fulfil her request as they have not yet completed the required security checks in order to verify her identity and sent the postal order back.

 

They want her to write or phone to tell them her name, date of birth and previous addresses even though we put her name and adress at the top of the cca request along with the reference no. from bw legals letter.

 

If anyone could give me some advice on how to respond that would be great.

I've sent cca request to other dca's in the past but I've never received that response.

Edited by dx100uk
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If they have an account reference number that should be enough for them to do their checks. There have been changes in the law regarding data protection and requests so you dont ahve to supply all of this to get the information held so it sounds like a stalling tactic to me and they dont have it but want the extra time.

Consider a complaint to the FCA about this but let them know that you are doing so and give them one last chance to either supply toe required information or to cease trying to collect monies if they believe that she isnt the account holder.

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whats this for a old PDL loan they are chasing?

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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If it's a PDL it's also possible this is an old QuickQuid debt as Mackenzie Hall used to buy those before they became PRA Group.

 

But I'm with fkofilee and think this sounds like PRAC Financial + BW Legal.

 

Think we've seen a couple of those go to a Court Hearing and be Dismissed by DJ?

 

As this is a PDL then consider an Irresponsible Lending Complaint as well :)

This is how I spend most of my life :ranger:

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And you should do a IRL with haste too...

We have sources that tell me that either Quickquid and Co Or Money Shop / Instant Cash Loans and Co will be the next ones to be put into administration / struck off...

 

Issue with ICL is that they have stopped accepting new loans in some capacity in all their online sites etc

 

We have also heard QQ have money issues...

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