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    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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Henriksen DCA chasing - Barcalys/ Providian / Monument / R Raphael credit card


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Hi all,

I received a phone call from an 03 phone number and they left a message asking me to contact them about a debt but no other information.

The name of the company was Henriksens, who appear to be a debt collection business.

 

I've never had contact from them before.

I am assuming that they have been given my details by a DCA.

 

Is this legal under GDPR rules for this information to passed on?

 

Has anyone else had any dealings with them as I suspect the DCA may be cabot who have been actively chasing hard with multiple phone calls and messages recently.

Regards

Murph

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  • dx100uk changed the title to Henriksen DCA Phone Contact & Message Left

blimey ...not heard of them Henriksen in a few years now

don't know who owns them now.

but safe to ignore 

 

but no its not breaking gdpr rules 

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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Although Henriksen have a Scarborough address they share the same offices in Leeds as LCS.

Henriksen or HCollect are the same Company and tried to collect a Statute Barred debt from me late last year but a quick Statute Barred letter sent them closing the account and returning to their clients.

 

Henriksen are collecting a lot of work at the moment from JC International who have purchased a lot of old Talk Talk debts.

 

Do you have or know of any Statute Barred debt that has been sold to JC International?

 

Stigman

 

 

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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Hi, seems was an old Barcalys/ Providian / Monument / R Raphael credit card.

 

Been through a number of DCA co's (Last CARS who were acquired by JCI in 2013).

 

Only proof offered of a CCA was a copy of a Reply Card application in 2003 with a "Providian" stamp on it and "Subj.2 Cred App" stamp.

 

Monument suggested this was their copy of the CCA along with a copy of basic Monument T&C's copy and some pages headed Monument but referring to R Raphael & Sons

 

The last agreed payment to CARS was in mid 2017.

Now stopped!!

 

Will write and advise no further contact except in writing letter plus not acknowledge debt as no CCA proof.

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  • dx100uk changed the title to Henriksen DCA chasing - Barcalys/ Providian / Monument / R Raphael credit card

all makes sense now

you got sc@mmed by previous DCA's into paying as you thought they had some magical powers over you.

so  they passed it around saying here you have some, this mug is being cash cowed nicely.

 

don't write unless you have moved since your last address update to whoever was sc@mming you out of money

 

simply invites pointless letter tennis.

 

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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JCI got there hand on these old R Raphael credit card debts many years ago

shame you fell for the scary letters and paid anyone mind..

 

your saving grace is they will never be able to get ahold of your signed CCA for your card timeline (probably early 2000's sign up) as they were all shredded years ago.

the card admin then went to monument then they got swallowed by Barclaycard and they dropped the whole portfolio like a hot brick when they found out.

 

past writing to their minions with your address might not be sufficient - i'd consider a CCA to JCI, kill two birds with one stone.

never deal with someone who says 'our client is' - always deal with the debt OWNER.

unless its a letter of claim.

 

 

 

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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