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    • as i said in post 2 you do not appeal stop reading other forums read the threads here i pointed you too   await the ntk.   dx  
    • Growth in the July to September quarter was weaker than expected, suggesting the recovery is losing steam.View the full article
    • I've also seen it mentioned that the two parts of Ireland becoming closer is concerning HMG.   And that NI still coming under EU rules for trade could be showing that it's better to be in the EU than in Brexit Britain. If people start to think it shows Brexit isn't working, that's going to be a problem for Johnson et al.
    • You won't be able to bring a counterclaim unless you can produce a properly structured assessment of losses or costs or ancillary expenses and you will need to do this by producing at least written assessment et cetera as I have indicated above. Two of them would be much better. A court won't entertain a counterclaim simply based on your own speculation as to your possible costs. I understand very well that your preference would be to write off the entire job including all of the materials that were supplied and for you to recover your outlay for those materials but I think in order to do that you would have to show that you have acquired no value from those materials and once again I think that you would need an expert assessment which explained why the materials were completely wasted and that you would have to start from zero. You can be certain that the claimant will attempt to say that you have received value and in fact that the items which have been supplied or already installed can still be used. I'm afraid that because the attempt to arrange this contract as a cash only agreement inevitably invites the scepticism of the court, I think the court may well be open to consider arguments that the items which have already been supplied are of use to you. If you can get expert confirmation that the supplied materials are now of no use whatsoever, then you will also have to get a quote for uninstalling them and returning them to the claimant. This means that the whole thing is getting even more complicated. I do think that your best interests would be to discuss the matter with your new installer and to see what items which have been already supplied can be used to finish the project – and then to try and deal with the claimant in respect of those on the basis that the case would be withdrawn and everybody would walk away. I think it's time to start abandoning some of this rancour between you because it isn't helping and it won't impress anybody. Don't underestimate the disapproval that will be felt by the court when they get to know about the cash arrangement and this won't be helped by the fact that you then went ahead to try and get receipts. I understand very well that you say that you simply provided money and that in fact you were the purchaser of the items directly from the retailer – but there is no evidence for that and it would be an unusual arrangement and I think the court might express scepticism about that as well. I think we have to bear in mind your credibility in this – and I think that it is rather fragile at the moment. If you came up with a sensible business- like idea about how to put this one to bed and then put it to the claimant and also mention the fact that as he was involved in a cash only transaction, he also might find that he is incurring the displeasure of the court – particularly as he is the claimant, he might feel inclined to try and wrap it all up and bring it to an end. I think the next thing you must do is to get an expert report as I've already suggested above. You will need to do this anyway. If you don't have an expert report then even if you happen to win your argument that there is a breach of contract, the assessment of how much you win will be impossible for the court to decide. The court will absolutely want expert assessments. So you need an assessment as to the work which has been carried out so far and the work needed and costs involved to carry out the job. You need an assessment as to the usability or otherwise of the equipment which has been supplied. At least that for the moment. I don't think it is possible to do much more until you have this information. If you can get the information then we can decide what to do. Obviously I don't know anything about the subject, but I can't imagine that all of the equipment which has been supplied is useless. It could only be useless if you suddenly say that you want an entirely different system of gates – but on that matter, you are bound by your expectation in the contract and you would only be entitled to install a similar system using similar equipment.  
    • I wonder whether part of the UK issue with current NI protocol, is that it is enabling a better trading environment between Ireland and Northern Ireland.     Northern Irish businesses have anticipated import/export issues with Great Britain, so now trade with Ireland or via Ireland.   Apparently reports are that some Northern Irish businesses have seen an increase in trade. It is only businesses that mostly sell British fresh produce that have been affected by border controls  and even then, they could swap to local produce.   Agree that UK Government are using argument with EU as a convenient distraction, but also there must be a worry about increased risk of a united Ireland, as a indirect consequence of Brexit.
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robbersway and welcome debt - now resolvecall - proposed reconnection visit


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std threat-o-gram

 

 

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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Well when i received the MKRR ' final letter and we are now considering our options and will send to litigation dept'

 

 

some months ago and now this Raven '

 

 

this really is the really final letter'

 

 

then i thought they arent serious!!

 

Do i need to do anything?

 

 

Do you think they know about the dodgy default , t&cs missing etc

 

 

and thats why they are just sending threats?

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you are learning!

 

 

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...

std threat-o-gram.

 

 

next bloke next desk diff coloured skirt.

 

 

designed to make you think

it Is escalating through a chain

 

 

whereby its not.

 

 

 

 

 

 

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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  • 10 months later...

Hi All!! its been a while, just checked my credit file(my credit monitior) and MKDP are still there as holders of the secured debt which they purchased from Welcome, it says Residential Second Mortgage

Account status: Default

Date last updated: 18/07/2015

Account opened: 24/01/2008

Account opening balance: --

Repayment frequency: Monthly

Default date: 04/10/2010

Original default balance: £0

 

As you mentioned previously in this thread they cant do jack as they cant provide CCA

and default is incorrect so

 

 

can i not insist this is removed as every month a big 'D' appears on my file!

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Nothing more can hurt your file as its defaulted already

 

If you could get it corrected

It would be with the oc not the claimant

 

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

also, date of default notice says 05/10/2010 pay within 14 days but on the credit file the default was applied on the 04/10/2010!

 

thanks dx, had a voicemail left today but deleted it too quick...! it was from from a company called west- something or other, ring any bells? thats why im back on here agin just to see whether i still just sit sstill and see out default? if i want to look at selling property what can i do to get rid of the 2nd charge?

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You said the charge had gone from land reg in early posts

 

Prob wescot on the phone

 

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

no I mean the charge against the property on land registry site.

 

 

re post 12

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

Evening dx,

I have today checked the land reg again,

it states in the registry extract that there are two lenders

- one being the mortgage company and

the other being a business that put a charge on my property

(even though they arent lenders they reckon i owed them money)

 

There is no Welcome or MKDP on this section.

 

If you move down to the proprietorship register it again only states the 2 that i have mentioned- mortgage and dodgy business.

 

If you then move down to the charges register then you get the original builders, home owner etc and Welcome are on this,

 

What does this all mean?

 

 

is it that the only charges on the property are the 2 in the proprietorship

and the the charges register are old charges?

 

thanks

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unsure to be honest what that means?

 

 

is there a help file or FAQ section on the LR site that explains the varying entries.

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

This is what i have just taken from the register, The mortgage company and other are on 'B' - note is says title absolute? Welcome are under 'C'

 

B: Proprietorship Register

This register specifies the class of title and

identifies the owner. It contains any entries that

affect the right of disposal.

Title absolute

 

C: Charges Register

This register contains any charges and other matters

that affect the land.

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then the charge is still live.

the loan is still secured

 

 

however, it needs to be noted that its under welcomes name and NOT the pursuers ...urm interesting.

don't think this washes meself

the charge must be in the name of the claimant in E&W

so i's assume the same for Scotland

 

 

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

hmmm the plot thickens!

 

 

what can i do?

 

 

is this ever going to go away?

 

 

i would like to possibly sell the house but how can i if the mortgage is the same as the value!

 

 

the other charge is something i need to look at too...

 

 

i really feel i was conned into letting this happen..

 

 

. is there someone on here thst could maybe help me?

 

 

its complicated though and from a failed business ,

 

 

the charge is the landlord.

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sri about my last post

not meant for you

but

its the same scenario.

 

 

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

Evening dx,

I think i need to get a plan of action now

because if i just leave this ticking over then every month i will just get a default on my credit file for ever more..infinitely?

 

if Welcome have the charge on my property but they sold the debt to MKDP

then surely there shouldnt be a Welcome charge anymore?

 

If MKDP bought the debt then should the charge be in their name?

can they do this?

 

I take it MKDP bought this debt for nothing so they shoot at many a barn door

until they hit one and the person they are chasing gives in??

 

I really want to put this to bed (and leave you in peace!)

what do you recommend i do??

 

Also-- it is westcot calling, haven't spoken to them.

. Who would they calling for?

Would they have bought it from MKDP?

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plan of action is do nowt unless they escalate things

 

 

them marking your cra file is not harming you any further

 

 

just sit it out and wait for the debt to vanish from the CRa file on the defaults 6th birthday.

 

 

not really an awful lot else you can do.

 

 

I suspect MKDP have no idea at all that the charge exists.

 

 

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... 

Link to post
Share on other sites

plan of action is do nowt unless they escalate things

 

 

them marking your cra file is not harming you any further

 

 

just sit it out and wait for the debt to vanish from the CRa file on the defaults 6th birthday.

 

 

not really an awful lot else you can do.

 

 

I suspect MKDP have no idea at all that the charge exists.

 

 

dx

Ok thanks will do but just before I leave u in peace.... When it leaves my credit file on the 6th birthday what happens to the charge? Even if MKDP don't know it's there, how do I sell the house?

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you keep quiet about the charge

if your sols ha any sense h'ell not do anything about

theres no-one to enforce it welcome are dead.

 

 

you don't have to tell anyone with a charge you are selling.

 

 

if the so called creditor doesn't know

and you sols are cute, it matters not

 

 

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... 

Link to post
Share on other sites

you keep quiet about the charge

if your sols ha any sense h'ell not do anything about

theres no-one to enforce it welcome are dead.

 

 

you don't have to tell anyone with a charge you are selling.

 

 

if the so called creditor doesn't know

and you sols are cute, it matters not

 

 

dx

 

Ok and that goes for any charge if the creditor is no longer around?

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