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    • you need to ring northants bulk and ask for a copy of the judgement and the claimform by email pdf. it is quite usual for them to not have a copy of the claimform. so you need to record the call and ask them to read out the particulars of claim and the address it was sent too.     old wives tales , if you have a debt owing that shows on your credit file or you know exists from say the last 7yrs you should NEVER move without WRITTING to the debt owner with your new address. never run from debt which falls within the above .     all mortgage style SLC loans that were not deferred with erudio following the gov't sale in 2013 and that did not have a court claim raised within 6yrs are SB'd.   drydens simply did this because they wrote to your old address, got no response, and knew they'd get a default roboclaim CCJ where no human checks anything.   shot yourself in the foot.      
    • yep.   if all these are still owned/with the original creditors and you are not paying any powerless DCA's  then little point in any CCA requests at this stage unless any (non OD A/C's) are say pre 2000 opening.   our pro rata letters are the way to go you'll find those in the debt collection section of our library.   get any income payments on going or otherwise moved into a parachute A/c.   it is most probable that whatever you do most A/c's will be defaulted once this is done if not already. bearing in mine your wish to re mortgage or move in a future, it is most probable that the quicker you do default , the earlier a DN will be registered thus the earlier these will not show following their 6th birthday. this might involve you thinking about stopping all payments now ensuring this does happen, then resuming payment under a pro rata scheme self administered , once this happens.   just be aware that no DMP providers will ever question enforceability, should that be relevant.     
    • LL would have Absolutely no chance of getting the smart meter changed back.....
    • slow down ...read what i'm asking , stating and trying to clarify.. it all might seem useless or totally irrelevant but it's important information moving forward with the whole situation and useful in the SPC claim moving forward     there was not 2 loans - the litigated OD is not a loan but it appears from your comment here..     sorry but then you did get scammed on many fronts... they allowed you to settle the loan exploiting your confusion over thinking it was the litigated account. they didn't tell you either and they would also have been aware of your statement filed response form:   The respondent had a junior account with the Bank of Scotland since a young age.  The Bank of Scotland offered the Respondent a loan of around £2500. This Respondent serviced the loan until losing her source of income and ran into some financial difficulty resulting in defaulting in servicing the loan.   they settled for a discounted sum... why? we usually find this is because they hold no enforceable paperwork at all. or was full of charges , charges could have been the discount or it could have been due to 'a business decision' ...   but sure as eggs is eggs there is no way 1st credit would not have raised a court claim for both the OD and the loan unless there was a very good reason. they didn't that smells...badly.   OD 's are notoriously difficult to litigate upon if defended properly...but with a loan in the same claim, with enforceable paperwork, they would have almost been guaranteed to win.   it's also a shame you didn't come where before you did anything but we are where we are.   now the above might seem harsh..even petty but our posts are not only for you and your issue they are also for future readers that find us via search engines or read like threads here alerting debtors to frequent pitfalls and innocent wet myself actions many do that all these dca's will and have exploited time and time again over the last +40yrs .   i'll try and get around to properly redacting all your pdf's tonight and get them back up. but before i finish and get on with the above........the status of the claim as it stands now.   From what i can gather the claim now hinges upon proving her ex at the time settled by a discounted payment to HBOS well before the sale to Intrum and the SPC Claim.   In all honestly and with regard to your comments in your previous posts upon his character, i seriously doubt this ever happened. the disclosures from Intrum contain all the OD statements , should that have happened, it would be detailed in those.   there is little point in the claimant hiding that info as they would be in far more legal trouble should they have doctored them than insuring a mere +£1k claim win. Even 1st credit wouldn't pull such stunts.   Sorry but there is little point in requesting HBOS to attend any future hearing, nor hoping the SAR shows anything different to the statements the claimant has disclosed . That will cost you more money , and more money in terms of the claimant attending another hearing.   there is one exploitation i see. that being the mention of a default notice. the claim states:  The respondent fell into arrears under the Finance Agreement. A Default Notice was Issued by the Original Creditor .   now default notices are not issued for OD A/C's (which ties in to the possible loan confusion and scam settlement i mentioned) . This tallies with a common mistake that many DCA's, including why i keep mentioning 1st credit, which is the previous name for Intrum, made on numerous claims and was one of the reasons for the name change. To Hide that They lost many Statutory Demand and court claims over the non existence of a DN or proof of it's issuance by the OC (a DCA can't issue a DN) .. No copy of a default notice is fatal to to successful  litigation.   even though in this OD case one was not ever needed. (Poor particulars of claim showing copy and paste, and never expecting a claim to be defended but responded to by a wet themselves response , which you did by settling a loan which you believed was the claimed debt when it never was)    other than that you indicate you made an OOC F&F offer in 09-20  have you advanced this option since ?   dx
    • A government-backed firm is looking for new ways to get people to put money aside for a "rainy day". View the full article
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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Knightsbridge/CreditFix IVA - treated me very badly - thinking of BK now - help


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You never enter into pointless letter tennis

They all know the score.

 

If the debt was transferred to then then payments were made through the iva

But thats immaterial now as its cancelled anway

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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@London1971 is this the process you went through and spoke about before?

 

Just wanted an insight into what happens through the process and, ultimately, what happens to the debt etc?

 

Thanks

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I know you originally posted a while ago but I thought I would let you know my story.

 

In 2011 I lost my job, was making token £1 a month to creditors. By 2012 I was so tired of it all I seriously considered bankruptcy - what stopped me initially was I didn't have the funds to do it. I had between 45 and 50 thousand pounds of debt 

 

Anyway I stared what I will call my unenforecability journey . I sent a CCA Request to every unsecured creditor (credit cards and loans), there were a few lets just say that. 

 

Some of the debt owners wrote back saying they couldn't locate the agreement and the debt was unenforceable - great 

 

Some sent back paperwork that was unenforceable ( this really only applies to accounts oped before April 2007) . I wrote back telling them what they had sent was tosh and to go away , most did.

 

Others sent back what looked like good copies of the agreements 

I did what can only be described as blagged it , I didn't pay , told them there responses were non compliant , in fact to one (about 15K) I actually wrote and said if they thought they had a case go ahead and do me a favour, make me bankrupt. They didn't 

 

Now in 2019 my last debt has been statute barred for just over a month, I am home free. This last debt was an overdraft which it took them a while to default so for that one, to be safe the date of default was my statute barred date 

 

I learned a great deal over the last 7 years, I understand the complexities of consumer credit better than I did. I must say, one (Lowell) did take me to court but could not produce the default notice and I know one was never sent so they lost- that was £5000 and they were ordered to pay £2000+ costs - I had hired a solicitor on a fixed fee when it became clear they would not back off. 

 

 

By the way, I also went to University later in life, I graduated last year and am now doing an MA in Social Research 

Any opinion I give is from personal experience .

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Just to re iterate, any DCA asking for more info in order to request a CCA is trying to spoof you.  No CCA after 12 +2 days, they can sing for it!

 

Yup this is exactly what I did , CCA'd every DCA, and my story is similar to the poster above.

 

 

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 OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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@fletch70 That's great news! Thank you so much for sharing your experiences. Looks like you're in the clear now. This is exactly what I wanted to know-the whole process, what might crop up along the way and, ultimately, what happens at the end of it all! 

 

Congratulations on graduating!! I believe its a double congratulations when you have balanced life and work and university! Its tough isn't it... What is your degree in?

 

I will have a read through some of your old posts to have a look what might come my way, and thank you again for sharing.

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Thanks @London1971 so, presumably, they wont provide the CCA seeing as they are asking for more info, so what, it isn't enforceable? Or will it be passed back to Barclaycard or ??

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My degree is in Health and Social Policy - or just social policy, hence the Masters in Social Research 

 

 

With regard to supplying confirmatory info to your creditors 

My view, which may be different to others, in that , so long as it is reasonable then supply it. There is certainly no need to provide a signature but they do have a duty to make sure they send the info to the right person however if they have been writing to you then I would reply saying something along the lines of 

 

'As you have been communicating with me at this address for some time, you must be sure of my identity. If you are not sure of my identity please confirm so I can make a full complaint to the ICO about you sharing my data with an unknown 3rd party'. That kind of puts them in a catch 22 

 

So if its full name and date of birth then yeah- address I am a bit more dubious about 

 

One of the problems with providing old addresses is they can then use that to recon the agreement in the hope that was where you lived when you opened the account. When my Ex died, I wrote to her creditors asking for copies of the agreements so I could pay the debts that were legally owed. One sent back a recon with the address where she died- well I know for a fact she hadn't lived there when she opened the account so they were screwed. Not that there was enough to pay them all anyway but it was one off the list 

Any opinion I give is from personal experience .

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You submitted a CCA request, if they still haven't complied after the 12+2 days it's not enforceable.  They can send you a copy of the Old Testament if they like, but it makes no difference to that fact.

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 OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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

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56 minutes ago, Jaksmyboy said:

Thanks @London1971 so, presumably, they wont provide the CCA seeing as they are asking for more info, so what, it isn't enforceable? Or will it be passed back to Barclaycard or ??

Can't it's been sold

Get reading up

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 hours ago, Jaksmyboy said:

Thanks @London1971 so, presumably, they wont provide the CCA seeing as they are asking for more info, so what, it isn't enforceable? Or will it be passed back to Barclaycard or ??

Just because at the moment they will not provide the CCA Request doesn't mean you are home free. There are lots of possibilities, they may go quiet because they do not have it, they could sell it on, which might be good for you as the chain of assignment would become more complicated , they might continue to chase you , if they do there is not a lot you can do at this point.

 

The only way they could return it back to Barclaycard would be if very specific terms in their sale agreement are met and unless you have the deed of assignment you can not tell what they are.

 

By the way, when was this account opened and has it always been a barclaycard? I know for example a few years ago goldfish branded cards were sold to Barclaycard as were Egg branded cards before that 

Any opinion I give is from personal experience .

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  • dx100uk changed the title to Knightsbridge/CreditFix IVA - treated me very badly - thinking of BK now - help

ive updated your topic title to better reflect your situation.

 

you sent an sar to the useless IVA provider....?

did you sent one to Claims Advisory Group! lets see where this PPI went.

i'd also p'haps write to them as well cancelling any outstanding contracts they think they might have with you.

 

 

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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  • 5 weeks later...

Hi all

 

I've been waiting (patiently) for responses to my CCA and SAR letters sent at the beginning of May. I've had a couple of responses-one of each. PRA have sent through the CCA from Barclaycard and Knightsbridge have sent through their info regarding the SAR (quite interesting in regards to the claims advisory group claim as it is clear that Knightsbridge never received the PPI payout but claims advisory group fees were added into my IVA-consequently they are chasing me for it now-I've sent them a SAR).

 

So, my question is, what do I do with all this info now?! How do I move forward with it?

 

Thanks

Lyndsey

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On ‎04‎/‎05‎/‎2019 at 18:56, fletch70 said:

 

By the way, when was this account opened and has it always been a barclaycard? I know for example a few years ago goldfish branded cards were sold to Barclaycard as were Egg branded cards before that 

 Bit of a delay in responding-apologies. This one has always been Barclaycard.

Thanks

Lyndsey

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Start a new thread in the bc forum and scan up the return to one multipage pdf please

read upload

as for the ppi fees

though ignore them

you didnt agree to it and signed no contract with 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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I don't believe we signed a contract, just all the forms they  send out to you initially so that they can act on your behalf?

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Urm..VERY debatable..i think not

esp as i bet the firms are linked i bet

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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Heres the link to my new topic in bc 

 

I have also uploaded some of the transcripts sent through from Knightsbridge as part of their SAR

-most of the stuff sent through was creditor letters sent in by me.

 

There are a few more pages of these transcripts from right at the beginning of the agreement but these would need quite a bit of editing as they have a lot of our details on them.

 

 

 

sar.pdf

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had blind

knightbridge are baines and ernest who also owned the claim advisory group [ex employees/directors]

 

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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So....do I wait for claims advisory group SAR to come through and then take it from there with their claim? I mean that pay out was never received, so surely I can't be liable for their fee?

 

Also @dx100uk I know you suggested I send off a SAR to both IVA companies. I have now received both lots of info back-but not too sure what I'm looking for or doing with it, apart from the obvious lack of PPI claim, not sure what else I should be looking for?

 

Thanks

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My husband had a claim going through with Claims Advisory Group and was notified of its success just as we were about to enter into an IVA. At which point the IVA company took over the 'claim', or so we thought.

 

On the failure of our IVA in December 2018 we noticed that claims advisory group fee had been added into our IVA BUT they never received the payout (£2900) from Beneficial Finance.

 

I'm disputing the fee (which we are now being chased for as our IVA has failed) but my question about the PPI claim itself is; can we approach Beneficial Finance for the agreed claim or is there a time limit for how long the claim would be valid? Claims advisory group claimed it in 2016.

 

Thanks

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see where your payments went and if their fees + those equal all the money you paid..i bet not,, hidden f&f pot?

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 could see that it stated 'cash in hand' £500 or something like that. So what would've happened to that now that the IVA has failed?

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you are the one with the info not us..

 

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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Can anyone please explain why my posts/topics keep getting moved around?

I'm constantly being advised to 'start a new topic' for that in that section etc, but when I do they get merged with existing topics....?

I felt this query should come under the PPI section-no? 

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I think the idea was you started a new thread for the pra cca return for the Barclaycard.

the ppi is relevant to this thread as its to do with the dmp provider. so was merged here

there should have been a post but my internet was flaky earlier.

 

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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