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    • Hi   With a SAR all you have to do is ask for 'ALL DATA' (this way it does not matter what format they hold that data whether it be digital, email, telephone calls (recorded), written etc).   They then have 30 Days to comply once they have acknowledged your SAR Request (that is unless they require ID Verification) which the 30 Days time limit does not start until they have verified your ID if requested)   Also can I add in DHL response in post#36 I hate it when any Company/Business etc. has the nerve to use the get out clause of 'Human Error'.    This is not the case as it was 'Maladministration' by DHL' not 'Human Error' as stated to you, irrespective of who/which employee of DHL made the 'Human Error' the buck stops with DHL as who/which employee made that error was Employed by DHL.
    • pop up on the MCOL website detailed on the claimform. [if mcol is not working return after the w/end or the next day if week time] .  register as an individual  note the long gateway number given  then log in .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform .  defend all  leave jurisdiction unticked   goto the defence filing section  file the following:     1 The Claimant's claim was issued on (insert date).  2 The Defendant contends that the Claimant's claim so issued is a claim in contract and is statute barred pursuant to the provisions of section 5 of the limitation act 1980.  . If, which is denied, the claimant contends that the Defendant is in breach of the alleged contract, in excess of 6 years have elapsed since the date on which any cause of action for breach accrued for the benefit of the Claimant. .  3 The Claimant's claim to be entitled to payment of £[insert figure from their POC]  or any other sum, or relief of any kind is denied. .. ..ends..   dx          
    • I passed on the article and link to friend. Between us we will now try get the required info to the correct location so that they (whoever in the Govt) can sort out what he is owed. I will keep you updated.  This thread may help others in similar situations. Ethel Street - very helpful research.  Thank you.  Seems like you came up trumps!
    • numerous erudio/drydens claimform threads here already - use our search top right.   your appears to be statute barred as you've never heard of erudio so would not have deferred since your last direct deferment to SLC in 2013    if you wish to bother to even send CCA/CPR that's upto you but the bottom line is to erudio you've ignored everything to date yoy might also ignore a claimform.   but ofcourse you are not!!   if the above is true   pop up on the MCOL website detailed on the claimform. [if mcol is not working return after the w/end or the next day if week time] .  register as an individual  note the long gateway number given  then log in .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform .  defend all  leave jurisdiction unticked   goto the defence filing section  file the following: 1 The Claimant's claim was issued on (insert date).  2 The Defendant contends that the Claimant's claim so issued is a claim in contract and is statute barred pursuant to the provisions of section 5 of the limitation act 1980.  . If, which is denied, the claimant contends that the Defendant is in breach of the alleged contract, in excess of 6 years have elapsed since the date on which any cause of action for breach accrued for the benefit of the Claimant. .  3 The Claimant's claim to be entitled to payment of £[insert figure from their POC]  or any other sum, or relief of any kind is denied. .. ..ends..   dx      
    • Well I would want my £50 back also but hey ho if your satisfied its been resolved.....there was no way you could ever be liable anyway as your contract was with TC not RC.   Thread title updated.   Andy
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adviceneeded1

Token Payments

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I have 2 debts which have been sold on by the original creditors but still managed by debt collectors

 

I have been upfront and informed them that I have a medical condition (cancer) and have been paying them token payments on the accounts for some time.

 

I am just concerned that they just simply pull the plug on such arrangements which I keep updating them every six months about but I cant foresee this will change or improve.

 

If I am paying EVERY month and on time to these debt collection agencies will they pounce on me in the near future.

 

I just received today  a statement from one of them and all sorts of stuff is running through my head.

 

The debts are well over 8 years old and have paid what I can each month.

 

Will they come back to me at some point that they need more than what I have got?

 

 

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Name of the original creditors and names of the DCAs please...and age of the debts......then we can advise on what " they " normally do .

 

Andy


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Both credit cards.... mbna to pra group and Halifax to Cabot.... they balling ball and have been but worried in time they won't.....debt is over 8 years now

 

Every six months I make sure keep sending income and expenditure in....each month paid on time

Edited by adviceneeded1

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when was the last time you sent these powerless fleecers a CCa request?

and who if anyone ordered you to blindly pay a powerless DCA?

 

 


..

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I never have I thought given my illness got enough to fight with than playing fight games with them....

I am playing ball marking 6 months on my calendar and ensuring what I agreed to repay is paid...

I have enough of a fight on with my health...

. just asking if you play ball that they will play ball with you?

I see many hide from it which I am not hence they go on to court but keeping what agreed upon will they keep off your back?

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no guarantee whatsoever just because you are playing ball they wont do court..an1.

 

if your illness is not terminal [sorry for asking ] then fight them

when are these debts from ?

when did you take the cards out?

 

 

 


..

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