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    • Dear New Tenant   L C S !st Floor West Wing Town Center House The MerrionCentre Woodhouse Lane Leeds LS2 8LY   02/03/2021   Our Case Ref xxxx Re Our Client E.On   Outstanding balance: £37.xx   FINAL NOTICE   We have been instructed to act on behalf of the above named client to recover the sum of the outstanding of £37.xx for dual fuel consumed at X Whatever Road, Sometown , Anyplace. Despite our previous communications and offer of help we have not received payment or valid reason for non payment for the outstanding balance.   Until you have cleared the outstanding balance, your details may continue to be shared with a credit reference agency.  Other lenders may see information about the way you pay our client and the amount you owe them which could affect your ability to obtain future credit.   In order to prevent any further action and potential inconvenience, we would urge you to pay the full sum immediately or alternatively contact our office on 03445439130 quoting Ref xxxx to discuss your options. Alternatively please email us at [email protected] quoting your reference.   Yours sincerely   Rebecca Carter For and on behalf of LCS   I suspect this is the kind of letter they send when they know they are stuffed?    
    • It already allows visitors to spend their quarantine on a golf course in an effort to boost tourism. View the full article
    • I’ve been getting debit collection letters from a number of diffrent companies but I don’t recognise any of them. So I signed up to one of the credit rating agencies to find out who I owed money to. But that didn’t help. It just lists the debit collection company and the amounts they say I owe them. The amounts are staggering. now I was caught out once before by a debit collection agency saying I owed money but not who to and I just paid it. It wasn’t till after this that I found out that some agencies just send letters demanding payment for a nonexistent debit. On my credit report it says I owe money to the debit collection agent but there are no records of any original debit. no unpaid loans or credit cards.  so what do I do? I had a serious brain injury so I have memory problems and some untreatable mental illness. Thanks for taking the time to read this.
    • Hi, I’m sorry I haven’t replied sooner and that I wasn’t clearer. The situation is this.  I had a pay as you go sim and wanted to change to a VOXI pay monthly account. the guy on the phone said I’d need a new sim that would be a standard pay monthly sim. He told me that once I got the sim then I could call and have it put on a VOXI account. So. I agreed but at some point in the,long conversation after he ordered the new sim he said that infact I didn’t need a new sim and could just change my pay as you go sim into a VOXI sim. so he did that. I assumed that that was the end of the matter. I had done what I set out to do. And didn’t think about the ‘new’ sim because it was not needed. I assumed he had canceled it because it was not needed. then in January I get a letter saying I was behind on my phone bill. so I called them and that’s when I found out the ‘new’ sim had been ordered but never arrived .
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  • Our picks

    • Ebay Packlink and Hermes - destroyed item as it was "damaged". https://www.consumeractiongroup.co.uk/topic/430396-ebay-packlink-and-hermes-destroyed-item-as-it-was-damaged/&do=findComment&comment=5087347
      • 27 replies
    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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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
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Letters must say so.

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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DMA?

 

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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no-one in your case is a DCA.

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

No

And no

 

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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Okay,  Dx, I know they aren't a DCA but I'm not sure what you mean.

 

Sorry, its my fault, I am a bit slow on these things. 

 

But the game, and it is a game for these firms, is to register debt as a CCJ.

 

If they get a judge to agree, then its job done.

 

 

 

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its called a backdoor CCJ where nothing is checked by any human

the court automatically rubber stamp it 

moriarty specialise in these

 

they are a solicitor, not a debt buyer/DCA

nothing has been sold to anyone

simply acting legally as solicitors do

on behalf of their client

who is the one that has to issue the claim.

 

you need to read all the ABDC threads here with regard to these PAP LOC letters

 

the stock reply is already in the relevant sticky here.

 

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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all they do is con you into a settlement

dump them.

 

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 think the certain website is the one that helps people with issues in Dubai. 

 

The feeling is that the help they provide with debts, is just to negotiate a repayment arrangement with the UAE Bank, but what do they get from doing this ? They seem to generate a lot of social media to create fear.  

 

If people want to negotiate repayment, they can do this themselves, by getting statements of account, deducting interest and charges added and then looking to settle the actual debt over a relevant period

  • Like 1

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Yes, that's them.

they do charge a flat fee and claim to settlethe original debt at a discount

questions: 1-if the Uk chasers are after it you have to go through them and

2- can you deduct interest? that would be interesting.

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My turn.

 

I had to leave the UAE quickly after a changeover of ownership at my firm a few years back.

Told by my HR and the card co's my loan and card was insured, of course when I tried to activate this from the UK on gardening leave I was told I had to be in the UAE.

No chance.

 

I'm not in good health & very recently moved in temporarily with extended family.

Letters go to my old flat.

They are asking for the usual eye-watering amounts, insane multiples of the original debt from a few years ago.

There have been a burst of letters to that old address but I've missed a lot, mail is not secure.

 

I spoke to a 'well known website' and will talk tomorrow.

I do not want any court stuff, not good for me, and I'm not doing great.

I'd have settled a while back if I could but: interest etc.

I can't pay these amounts or even close.

 

I can't afford it but I will try to get legal help in any case this week.

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dump them now.

follow the guide already posted on CAG.

 

please don't use that certain website and its offers of advice.

it is very well obvious with just a cursory browse around the interweb that they are in bed and take backhanders 

  • Like 1

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

Deal direct with the bank and the bank only ! Get all your statements and everything in english

 

complain to central bank about collection agencies Bilkish, Tahseel etc the worst ones and use the Penal Code also against them to follow the laws of the UAE

 

Complain to the FCA, The FO and the SRA and keep complaining as I have done and nearly have a break through  they are not following the law and will not get away with it. I’m talking about Moriarty and CWD/ IDR they have no right to be acting for these inhumane companies and if they are then they don’t follow the ethics here in the UK. 

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And on top of this also in the early days CWD were acting as a DCA using solicitors as DCA’s which is  against the law for sure which is why the created CWD. I’m sure the directors or Moriarty if you look at company house are trying to do the same thing using wording in such letters to scare and force people into responding and paying but again they do not own the debt 

 

email the banks and work with them to offer payment small if you can and if not ask them to take it through the courts of the UAE and then the UK to which then it is signed over and the correct paperwork registered. 

 

 

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I've read these threads till my eyes water. Can some kind sould please sticky a step by step guide in here? Do I engage with the ambulance chasers or go direct to the source?

I don't know if I'll get very far but I'll give it a go & keep you all up.

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Only my advice but like I said the guys here have been great and very supportive this is just me from dealing with this since 2010 and the rubbish I’ve had to endure however there is always light !

 

create an email and keep all communication there so you have everything. No calls no letters etc only email and you can keep track especially when they get nasty. I’ve sent everything to the FCA to show them this and it’s good. 

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never ever engage with the chasers

 

see post 5 

here

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

Yes correct good point but I did this firstly for the 50 daily emails from collection agencies in dubai and then from uk firms which had helped massively as I have all the proof filed by date and in order. 

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OK will take stock, see where we are with the letters.

 

If I can find that they have gone PAP I will send the pro-forma letter in 5.

 

Will update in morning, I am sure I am missing some mail.

 

What if I don't have a PAp that they've issued?

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7 minutes ago, rgaine said:

Yes correct good point but I did this firstly for the 50 daily emails from collection agencies in dubai and then from uk firms which had helped massively as I have all the proof filed by date and in order. 

rgaine

you are more than able to deal this way

 

sadly as you've seen....others are obviously not able to cope..

hats off to you.

 

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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