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    • Short update.Received an acknowledgement letter from PRA re SAR request. They say the will respond to my request by December 17th 2020.
    • I think I just have to clarify what my site team colleague said above. It's not only a question about being aware – you also must have asserted your rights within the first 30 days. Send them an email straightaway. Refer to your short-term right to reject the vehicle under the consumer rights act and that in view of the defects which have manifested themselves, and you are asserting your right to reject and you are rejecting the vehicle and that they should make arrangements to collect it or receive it from you and to refund your money. You must do this straightaway. Meaning tonight. Don't hang around Even if you feel that you might want to hang onto the car, you should assert the right to reject in order to reserve your position. Once you have done that and come back to this thread and tell us more about it. In particular, who is the dealer? Have you had on exchanges with them about this? What have they said? Where is the vehicle now and what is its condition?   In fact I see the you had the day wrong. You said it was yesterday – which was 1 December. Assert your right to reject now – by email. You don't want to get into some kind of argument about whether it was this day or that day. Put it beyond question and assert your right now. Then afterwards we can discuss your situation
    • I knew you'd disagree dx100uk but it's irrelevant as the debt is not statute barred regardless of the default notice.
    • The PDF you posted includes a reconstituted CCA sent with a letter from Barclays dated 14 January 2018. This is acceptable as evidence of a CCA under CONC 13.1.4:   (1)The copy of the executed agreement should be a 'true copy' of the original. However, as confirmed in the case of Carey v HSBC Bank plc [2009] EWHC 3417 (QB), in this context the term 'true copy' does not necessarily mean a carbon, photocopy, microfiche copy or other exact copy of the signed agreement. There is no obligation to provide a copy which includes a copy of the signature.   (2)The firm can reconstitute a copy. It can do this by re-populating a template of the relevant agreement form with the details of the specific agreement taken from its records. If the firm does provide a reconstituted copy, it should explain that that is what it has done, to avoid misleading the customer that this is a contemporaneous copy.   https://www.handbook.fca.org.uk/handbook/CONC/13/1.html?date=2016-03-07
    • Seem Bidens confirmed that he wont be in any hurry at all to sign a deal .. with anyone   Rumour has it that he thinks he can get most of what he wants without committing to very much at all as a number of the brexit MP's want to ship in US food at a profit and cheaper than UK prduced meat which will only be for the wealthy tables   .. with not a thought for the US'S use growth promoting products banned in the EU including  bacitracin with its tendency to create antibiotic resistant bacteria - even resistant to antibiotics of last resort.
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3 minutes ago, Monty Putron said:

if no letter of claim

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?

sit on your hands

 

if you want to help others

scan EVERYTHING you've ever received up to ONE multipage PDF

read upload

 

it would be very useful

and if everyone did this

it would help everyone.

 

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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Here we go. ML PAP located. My reasons to dispute are many though, so if I just put no documentation provided as the reason I am not prejudicing anything. Scanning 2 docs into 1 is tricky but will upload asap.

 

 

Here is their FD rec'd 27 08. Initial contact was on 11 08.

MOR 2708 FD.pdf

 

Here is their FD rec'd 27 08. Initial contact was on 11 08, here's that one.

MOR 11 08 1.pdf

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for what reason?

 

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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3 hours ago, Monty Putron said:

This firm are now in the bargaining stage where they hawk respondent's details around in the hope of persuading one of their 'clients' to launch an action.

not sure who or what you are referring too 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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not sure how many more times in various ADBC/moriarty PAP LOC topics here I have to keep saying this....

 

Moriarty are not debt buyers, they are not a DCA.

 

they are solicitors that can only do something when they are told to and legally engaged to do so, by their stated client.

 

they have no legal powers whatsoever to willy nilly do anything without being told to as they are not the legal owner of the debt and never can be.

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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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Should they issue a claim without issuing a PAP then any defence must contain the following paragraph.....which has an adverse effect on costs .

 

1. The Claimant has not complied with paragraph 3 of the PAPDC (Pre Action Protocol) Failed to serve a letter of claim pre claim pursuant to PAPDC changes of the 1st October 2017.It is respectfully requested that the court take this into consideration pursuant to 7.1 PAPDC.

 

Andy

 

  • Like 2

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I may have missed a letter/letters.

 

I got a Moriarty text message referring to a different reference number than from the PAP I already replied to.

 

Should I also 'Pap-reply' to this reference number just in case?

They may be trying to backdoor CCJ me.

 

I have received nothing in the mail, but then my mail does go 'missing' a lot from my flat's shared mailbox.

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What does the text state in full ?

 

Reference number error ?

 

Andy

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

 

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you should be blocking all text/emails.

they have your correct address from the other pap reply.

so they will be in hot water should they try a backdoor ccj on anything now...

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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But it still would not be a backdoor claim

You'd not miss every letter nor a claimform from the court

Be pretty unlucky if you did

 

 

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, Monty Putron said:

Dear Mr X Please contact Moriarty law on xxx quoting ref xxxx

 

Its the 2nd text msg I've had, the first one had the right ref number, which I ' pap

replied' to

 

 

So they have yet to actually send you in writing a Pre Action Protocol and Letter of Claim ?

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 The National Consumer Service

 

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Right...your post reads like you had two text messages.

 

" Its the 2nd text msg I've had, the first one had the right ref number, "

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 The National Consumer Service

 

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I did get two text messages.

 

1) I got a written pap and I sent a written standard pap reply

2) Then I got the first text asking to contact them. It quoted a ref number that checked out. Ignored.

3) The second text came just last week, with a different ref number that was not the one on their written pap or 1st text. Ignored and blocked.

 

Just worried about that second text as it has a different ref number that I don't recognise.

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Irrelevant unless they send a further PAP with that reference number.

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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 The National Consumer Service

 

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

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