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    • First of all it sounds as if your retailer is very decent and very responsible. This itself is unusual in these kinds of circumstances and I think we need to bear this in mind. The guarantee is not particularly relevant and in fact the dealer had a statutory duty to exercise a certain responsibility for your computer – probably for several years as their obligation under the consumer rights act. The dealer may not have known this and it simply acting out of a sense of moral responsibility and that is even more noteworthy. You've already suggested earlier that you didn't really want to cause problems for your retailer. I think that you will need the help of your retailer as well in order to get information and evidence. I suggest that you proceed against DPD – but before you do that – I suggest that you have a discussion with the retailer. Tell them that this is what you are going to be doing and you would like to have a copy of anything they have which relates to the special instructions which apparently your dealer has already informed you about in relation to where item should be left. Secondly, maybe you should tell your dealer about this site and also about this thread. I can imagine like many dealers who are frequently sending items by means of couriers, they have had things go missing. Tell them that we will be very happy to help them recover money for lost or damaged or stolen items – and that is regardless of whether or not they have purchased insurance. Apart from being very pleased to help your dealer recover items which have been lost by irresponsible parcel delivery companies, I think we need to encourage the complicity between you and them so they will be pleased to support you in your claim against DPD. It will be helpful if you can get a copy of the instructions that you have referred to above, and also if you can get some written evidence of your own instruction that your laptop should be left in a safe place. Have you done the reading on this sub- forum? You will need to do lots of reading of many of the similar stories on this sub- forum. They won't necessarily be against DPD but the principles will broadly be the same. Also read the pinned topics at the top of the sub- forum in order to understand many of the principles involved. Getting your money back but be quick – but your chances of success are better than 90% that you can bank on it taking anything up to a year. Have you got anything in writing from DPD either refusing you or telling you that they won't discuss with you?  
    • Thank you for telling us the text of the letter you had from the police. As we don't seem to have come across this before, it would be really useful for us to see the original please. HB
    • Pasco has recalled 104,000 packs of sliced bread after rat remains were found in at least two packs.View the full article
    • UPDATE I went rooting through an old box of paperwork I have and I've found the original Default Notice. It is dated **/**/201*, however.. The copy of the Default Notice that they sent with the LBC has a completely different date on it 😮 Can they issue 2 default notices for the same debt? Where they have changed the date on the copy, they have also changed the amount owed through failed payments and how much is required to be paid by a certain date. In addition, they sent (with the 1st LBC) a copy of the termination of the agreement, which I cannot find the original. However, the termination date is 3 days after the date given on the (doctored) Default Notice, by which monies are to be paid by. So, they gave until the 'x' date to pay the arrears, then terminated the agreement 3 days later. I bet a dollar to a dime they've doctored the termination date also.
    • Having looked through the paperwork, I note they have sent 3 seperate LBCs. Two are in the name of FCA Automotive (1st one issued 21 Jan 2020, 2nd one 21 Sept 2022) and the last one (issued 12 Sept 2023) is under CA Auto Finance UK Limited. In the first one, they did send a copy of the default notice, but this was not sent with the 2nd LBC and neither was it sent with the last one either. .  A quick look at the default notice and I see it states the agreement start date was not the same day as the original agreement was signed. It's a day different but do not know if that makes any difference. Also, I note we received a letter on the 16 Nov 2023 which states of a 14 day notice of intention to issue claim form. Heard nothing since that, until this court claim arrived. 
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      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.
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Erudio/Drydens claimform - 1993/4 SLC Loan - poss SB'd? - now N244 strikeout+SJ


europa16
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And state what....dear numpties how can you have a judgment when it has yet to be allocated to track proceed to trial and a hearing take place ? You have yet to inform the court if you wish to proceed with the claim as the claim is currently stayed ? 

 

Ignore it...possibly wrong address wrong defendant..or simply getting ahead of themselves.

We could do with some help from you.

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:lol:

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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  • 1 month later...

Which they have to send if they consider themselves creditors

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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  • 2 years later...

third one this week they willy waving on.

 

 

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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Received letter from Drydens claiming they will apply to the court to lift the stay if I don’t get in touch (after allegedly ignoring recent non-existent correspondence!) and ask for an application for summary judgement.

 

got better things to do than deal with these clowns…

 

2022-03 drydens discount letter-threat to lift stay.pdf

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its a discount letter ignore them.

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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  • dx100uk changed the title to Erudio/Drydens claimform - 1993/4 SLC Loan - poss SB'd?
  • 1 year later...

As with others, I have also received a N244 application notice that Drydens are asking for

Order:

  1. For the stay imposed on proceedings to be lifted;
  2. For the defence to be struck out and / or summary judgment on the whole claim Persians to r3.4(2)(a) and r24.2(a)(I) and (b) CPR; and
  3. There be a cost order against the defendant 

Reason being there is no reasonable grounds for defending the claim and/or no compelling reason why the case should proceed to trial.

There apparently is supposed to be an attached witness statement from the technical litigation officer at Drydens but I have received nothing - I’ve asked the court to check what I should actually have!

I’ll post up the (redacted) paperwork shortly, but in the meantime do I need to do anything else?

Paperwork received is attached

 

N244 Strikeout + SJ.pdf

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  • dx100uk changed the title to Erudio/Drydens claimform - 1993/4 SLC Loan - poss SB'd? - now N244

plenty of drydens n244 threads to read.

get upto speed.

done hoping you'd moved or wet yourself and cough up.

dx

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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readme!!

dx

 

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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  • 1 month later...

Am attaching the witness statement and associated files which I received from the court and Drydens. I’ve had to split it due to the overall size.

Do I need to respond to this or just turn up in January?

I have been doing a lot of reading and rereading of others experiences

 

Claimants WS.pdf

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identical to other claimant WS's here see the 3 threads i posted earlier

have you not done your WS?
what date is the hearing ?

you've not told us?

just vanished for a month....

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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No, not done WS (didn’t realise I had to, no mention of it in court paperwork, only date to appear. Assumed my original defence was enough). Court hearing is 16th January 2024.

Am rereading and rereading but there does seem to be differences.

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pdf had one error page 22 sorted.

you have a court order ....it says YOU have to do a WS by 7 days or 14 days before the hearing date.

scan it up please......:whistle:

yours case/their WS is IDENTICAL to several successful claims here already.

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

Unfortunately, due to the whole family getting Covid at the beginning of December and still getting over it, I hadn’t had chance to fully go through my paperwork and get it photographed and uploaded until now.

The only other thing not uploaded is the Notice of Hearing of Application (the N244 was uploaded in post #61.

I’ve been looking through the experiences of RC710, Pellegrino and others, and it seems like the judges can swing one way or the other so I don’t want to solely rely on the SB argument.

is it worth adding the fact that I never received any deferment paperwork or their other paperwork until 2018 when I received a letter from Drydens (which was immediately followed by an SAR by me) as I had moved several times and didn’t even know who Erudio were? 

I’ve double checked the paperwork from the SAR and there are no letters which mention how to defer!

Also, I have never earned over the deferment threshold, and would have continued to defer given the chance until the loan matured in 2019? I was ill and on Incapacity Benefit until 2013 and attempted to get the deferment extended (can’t really remember what SLCs response was to that at the time, around 2010).

Thanks in advance for any advice (I really need the help at the moment)

 

Notice of Hearing_compressed.pdf

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39 minutes ago, europa16 said:

is it worth adding the fact that I never received any deferment paperwork

yes

39 minutes ago, europa16 said:

Also, I have never earned over the deferment threshold,

yes

have you tried the SLC portal or sent them an sar not erudio..?

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 just logged into the SFC portal and can see a list of letters sent out (allegedly) showing advocates mortgage style statements which were reproduced in 2018, covering 2002 onwards (this was around the date of the SAR to Erudio) and End of Deferment packs apparently sent up to Feb 2013, none of which are available to view.

Should I be including the proof that I was under the deferment threshold (self employed, so these will be copies of SA105) or is that overkill? Same with the deferment thresholds as I had to scour the internet for these figures from 2013 onwards and the sources are not from just one place?

Also noticed that the letters sent were always sent to the last address 12 months after moving. What database do DCAs use to locate people’s addresses and how up to date is it?

 

Student Finance Account - Emails and Letters.pdf

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no need to inc proof nor the levels simply state it as a fact , likewise regarding deferment packs etc, just as those other people have done in their WS's.

as for DCA's, there is no address 'database', though they do legally have access to your basic credit file data.

It is worthy to note: that the pre action protocol, which any org should abide by before ever raising a court claim, was brought in to specifically force debt owners to take all reasonable steps and exercise due diligence in finding a debtors correct and current address, rather than using the one in the debtors last written communication.

dx

 

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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17 hours ago, europa16 said:

No, not done WS (didn’t realise I had to, no mention of it in court paperwork, only date to appear

should be on page 2 of that upload turn it over?

dx

 

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 may be wrong here but I'd assume no court bundles because its an application to strike out the defence rather than a trial for a defended claim?

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

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

 

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no its SJ+Strike out you must file a statement better than 7 days before the hearing.

see the nurseslayer thread from about post 131

 

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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