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    • Well tbh that’s good news and something she can find out for herself.  She has no intention if peace.  I’m going to ask the thread stays open a little longer.   It seems she had not learned that I am just not the one!!!!  plus I have received new medical info from my vet today.   To remain within agreement, I need to generally ask for advice re:  If new medical information for the pup became apparent now- post agreement signing, that added proof a second genetic disease (tested for in those initial tests in the first case but relayed incorrectly to me then ), does it give me grounds for asking a court to unseal the deed so I can pursue this new info….. if she persists in being a pain ? If generally speaking, a first case was a cardiac issue that can be argued as both genetic and congenital until a genetic test is done and then a second absolute genetic only disease was then discovered, is that deemed a new case or grounds for unsealing? Make sense ?   This disease is only ever genetic!!!!  Rather more damning and indisputable proof of genetic disease breeding with no screening yk prevent.   The vet report showing this was uploaded in the original N1 pack.  Somehow rekeyed as normal when I was called with the results.  A vet visit today shows they were not normal and every symptom he has had reported in all reports uploaded from day one are related to the disease. 
    • Hi Roberto, Read some of the other threads here about S Sixes - they all follow the same routine of threats, threats, then nothing. When you do this, you'll see how many have been in exactly the same situation as you are. Keep us updated as necessary .............
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    • unrelated to the agreement then, could have come from Lowells filing cabinet (who lowells - they dont do that - oh yes they do!! just look at a few lowell paypal EU court claim threads) no name and address for time of take out either which they MUST contain. just like the rest of the agreement then..utter bogroll that proves nothing toward you ... slippery lowells as usual it's only a case management discussion on 26 April 2024 at 10:00am by WebEx. thats good simply refer to the responses you made on your 4a form response only. pleanty of SPC thread here to read before the 26th i suggest you read at least one a day. dx  
    • I think you have the supremacy of contract as it allows you to park in designated areas. I would argue that there being parking enforcement there clearly means its to be used as parking and as such you can use it under your lease. Only need to worry if they ever follow through with a letter of claim and a claimform though
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robbersway and welcome debt - now resolvecall - proposed reconnection visit


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I didn't say sar

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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read the click link

 

to demand money from you

they must hold a copy of the CCA

 

don't tell them anything

like you have it.

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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Thanks dx.. i'm gonna play devils advocate here a sec...

 

OK so if i CCA them wouldn't it only confirm to them that i live here?

and if they do send the agreement what good would that do if the default notice is wrong

and the agreement has no total amount payable etc.anyhow?

 

If they cant produce any docs is that game over too?

 

Is the fact the default notice is wrong a watertight legit get out clause?

and the details missing from the agreement?

 

thanks

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you credit file already tells them you live there

 

they need the agreement IF they ever goto court

or demand money.

 

invalid default, no agreement ...no court.

 

there is something wrong with the debt for it to be sold

 

my hunch goes with the outrageous interest

 

and

 

Default notices, litigation and section 127(3) of the Consumer Credit Act

July 2010

For a creditor to enforce a credit agreement against the debtor, he must serve the latter with a default notice, this notice must be served in accordance with section 88 of the Consumer Credit Act 1974 (CCA).

Generally, the prescribed form of a default notice according section 88 is as follows:

"The default notice must be in the prescribed form and specify

(a) the nature of the alleged breach;

(b) if the breach is capable of remedy, what action is required to remedy it and the date before which that action is to be taken;

© if the breach is not capable of remedy, the sum (if any) required to be paid as compensation for the breach, and the date before which it is to be paid."

Section 127(3) of the Consumer Credit Act 1974

Should the debtor be sued for the outstanding amount, it may be open to the debtor to raise an argument that the agreement is unenforceable because it does not comply with the requirements of the Consumer Credit (Agreements) Regulations.

Agreements executed before 6 April 2007 are subject to sections 127 (3) & (4) of the Consumer Credit Act 1974 ('CCA'). Agreements entered into after that date are not by operation of the repeal under the Consumer Credit Act 2006.

The effect of sections 127 (3) & (4) truly displays the paternalistic nature of the CCA, in that where a breach of a prescribed term under regulation 6 and schedule 6 to the Consumer Credit (Agreements) Regulations 1983 is found, the agreement as a whole will be irredeemably unenforceable.

In other words, the lender cannot enforce the agreement or realise any surety under that agreement; the debt in effect is written off.

Regards

A

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.. if the default notice is incorrect/unenforceable then it should never have been issued?

 

does that mean i can request it be removed from my credit file?

 

i also have the annual statements,

 

can i claim anything back such as letter charges, etc o

 

r should i just settle for getting rid of the debt?

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urm.. i'd not be greedy at this point.

 

theres not point in the CCa for now.

 

so you have all the welcome statements?

 

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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did you get stung for any PPI or anything

 

will be listed in the first statement.

 

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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did you get stung for any PPI or anything

 

will be listed in the first statement.

 

dx

 

Hmm

 

now the first statement I have is dated September 2008

but I took the loan out in January so maybe I'm missing one?

 

The initial loan amount is not far off the amount on the September statement

so doesn't look like ppi on there,

I did tick the box to say no ppi anyhow.

.. If that makes a difference!!!

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ok

 

ithink its time we got that sar from welcome

 

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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  • 2 weeks later...

Hi

Just got back from holiday, not even had chance to SAR Welcome or CCA mkrr since our last conversation and i had the attached letter waiting for me.

What is the best course of action now please?

 

Thanks

 

now uploaded as PDF!!!

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std crap

 

did you send the sar?

 

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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yes

 

sign SAR

if you've moved inc old AD and a copy of ctax

 

don't sign CCA

use blank £1 PO

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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OK, so i'm SARing Welcome?

 

i have moved and they never caught up with me at this address,

 

only mkrr have found me.

 

Will this matter?

 

i need to sign the SAR and include council tax for proof?

 

CCA to mkrr, do not sign? and send blank po £1.

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correct

sar to welcome

 

a cca request to mkrr

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

  • 1 month later...

nothing

 

they know the score

 

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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Share on other sites

nothing

 

they know the score

 

dx

Ha! Did they think 'game over' when they saw my request? I'm I right In thinking if they take longer than 7 working days it's unenforcable? Why do you think they haven't replied?

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until/unless they find an enforceable CCA

 

you do nowt.

no cca - no pay

 

they know that.

 

lots of threads to read here

 

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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Update--- sent a CCA to MKRR on the 19th May recorded delivery, confirmed delivered on the 20th May, Come back from holiday today and there is no CCA waiting for me! What now?

The time scale is 12+2 Working Days, excludes Bank Hols and weekends.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Just received SAR request back from Welcome,

 

very difficult to read agreement,

no sign of the default notice,

 

and reams of 'siebel' (must be their operating systems name) data.

 

Heavy reading/decifering!

 

One thing I have noticed is the acceptance fee and broker fee have been added into the monthly payment!

 

Broker fee total is £750.00 but over 180months = 12.73x180= 2291.40

and acceptance fee total is £235 but over 180months is 3.99x180= 718.20!!!!!!

 

What do I need to look for in all of this?

 

I'm unsure and don't want to miss a thing,

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can you scan up the agreement and the statements

 

lets see

 

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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