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    • Homer did say not to contact DR+.   If that's all the paperwork you have, sit tight and see if a letter before claim/action turns up. If you get one - and you may not, come back here and we'll help you to write back.    Or if you get more threatograms, let us know and we'll let you know if you need to take any action. In the meantime don't write to anyone and keep any correspondence for now.    HB
    • Hi DX   That is the only info letter I have we can't locate the first letter or original parking fine notification My wife said there wasn't  anything on the car windscreen. Do I ask the DC for the original notification ?   what shall I do just wait until they pursue through court ?   apologies for lack of info  Cancookwill
    • Hello, I've been following this thread and have some experience to share... Stand by for lots of words.   About 6 weeks ago, the engine seized on my car - 10 days before planning to use it for our 2 week trip around the UK!  I searched the internet for companies who could replace/rebuild the engine and get it back to me in time... One company that came up was 169 UK. I called the number and explained my predicament and the chap on the phone (who called himself Lee - I'm not convinced this was his real name) promised that if the vehicle got to him the next day or so, he'd have it done in time for our holiday!. He gave all kinds of reassurances about the types of vehicles they work on, from Porsches etc, even people from Spain taking their cars to him.. All work came through 3rd party websites (how i'd found them too) so you generally wont find reviews.    I was weary going into this, but you got to put your faith somewhere, right? so off it went on a trailer to Essex. NOW... I'd already asked where it would be going and I also tracked it by leaving a mobile phone hidden in the car. Interestingly, the place i was told i'd be collecting it from was not the same place the recovery guy (called Patrick?) told me he was delivering it to..    Anyway, they get the car and straight away tell me that the sump is full of diesel and that my ECU is faulty and its locked open one bank of injectors - causing the failure. All of this is feasible, but it meant that the car would not be ready in time for my holiday  He also tells me the DPF's (i'm sure it only has one, but he referred to there being more) were also completely blocked solid and needed to be dealt with (in this case, drilled and mapped out - which is also illegal) All of these little extras have now taken the cost from £3500 to nearly £5000  - as he was " putting together a special package for me" I tell him ok, i'm now away for 2 weeks so you have a little more time, i'll collect it when i get back.  I call him on the Friday before we travel home, asking how its going... he says "well, we aven't done it.. you said you were gonna be away for 2 weeks" apparently he marked to dairy wrong. So i call him again on the Monday following, I say I want to collect it that Thursday... not unreasonable. He then starts with the excuses that he has loads of guys off sick at the moment etc.. BUT, The car IS in the workshop and the boys ARE getting on with it. I say, OK.. but keep me updated daily as i need to make arrangements to come and get it. Tuesday passes without a word, so Wednesday morning i txt him asking for an update. He called me back around and hour later to tell me that the ECU they sourced for me is also faulty (they tested it before fitting it as they're nice like that) and it has water damage so he has to get another one, but that isn't going to get to him until the following Tuesday - which brings us up to this week.   Everything up until this point has been feasible if not a little annoying, BUT here is where is gets good...  On Sunday i happened to be in Essex on other business so decided to swing by Basildon and see if i could find my car. Knowing where it had been dropped off before the tracking phone died, i had a good idea where to look. And i also had the address of the garage where i'd be picking it up from. Hoping to not find it too easily - after all, it was being worked on on the Monday; Imagine my surprise to find it in the exact location it had been dropped off 4 weeks previously!  I lifted the bonnet - nothing had been touched.  The amount of dust on the bodywork and distinct lack of any hand prints etc strongly indicated that nothing had been touched and it certainly hadn't been moved in all that time. He may well have taken the ECU out to test but put it back, that's easy to do - but there is now way to tell from there that the DPF is blocked without removing it, or having full access to the ECU - which is faulty, remember?  It had all been LIES.  Now i am annoyed, but informed and he doesn't know that i know he's been lying to me.  I spent the next couple of days talking to various people i know and arranged my own recovery to get the car back - even if that meant effectively stealing it back. Long story short, i had it collected and got it back to me last night.  The guy who collected it went to the garage i'd been told i'd be collecting it from - Unit 28 Noble Square( Essex car and Commercial) and asked for Lee... Low and behold no-one by that name works there and the car (and others parked in the same place) were nothing to do with them! but then one guy did say "oh hang on, i think i know who you mean, let me give him a call"... 10 minutes later, 'Lee' showed up.  My man then had to endure conversation with this charlatan, but did glean some information that might be of interest.  "LEE" doesn't directly do any of this work... he takes on jobs, maybe up to 30 at a time and then farms them out to local garages. This explains why nothing had been done and why so many others get stuck in this net.   I was surprised that he was calm and didn't get the hump about me taking the car back, i still don't really understand what the scam is, but there definitely is one.  I think i've been very lucky that no money has been paid, i owe him nothing and i got out of there.  The amount of mental anguish and anxiety this has caused me has been extreme.  Now i'm back to square one, still with a broken car. But i'm only £500 out of pocket (for the recovery each way) and not £5k that it was supposedly going to cost... at some point, who knows when!     
    • Good luck from me as well Dixon, fingers crossed.    HB
    • Last time, the Judge provided me with, I would say, the most amount of time to speak. She started with HMRC, and they moved on to me. Essentially, since HMRC last responded to me (the original document I scribbled notes on), I feel it's right I should go first and just comment on each of their responses.   I'll leave sending that link to them, just in case HMRC then find something against it. I'll just bring it up, and mention the above quotes.
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Cabot/Nolans SPC Claim - old Cap1 Card debt


DA11
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Then i think an additional statement to the sheriff is in order before the hearing

 

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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can i just check that since that CCA return nothing more has come from nolans etc in regard to any 'paperwork' and whilst on that cut'n'paste CCa return sometime back, i will guess the signature is infact type written not signed by you...simple has your name in type face?

Signed agreement Page 1 & 2.pdf

Claimants submissions and and First List of Evidence.pdf

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

Yes that’s correct in regards to the paperwork received.

 

In regards to the signature, no. It is definitely my signature. I can’t recall where or how I signed it as they don’t have any actual in store branches but it is 100% my signature. 

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well no the usual mo is you replied to an advert poss in a mag or paper and they send out the paperwork for you to sign.

 

in their submissions they state 2 sheets of the Default notice

you've uploaded to default advice letter but not the actual default notice itself

have they sent that and you forget it in the upload?

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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Sorry for late reply dx, I’ve double checked and yes I’ve missed another couple of pages which I think you are referring to. For some reason I am struggling to make the 3 pictures into a pdf despite doing so easily previously. Can you point me in the right direction please?

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pdfmerge websites

 

 

 

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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and you obv didn't comply to bring the a/c within limits by paying that amount by the due date?

 

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 the cca is signed by you 

the dn is compliant

so is the assignment

 

is the address on the agreement T&C the correct one for the time of takeout?

 

 

On 29/10/2020 at 11:38, DA11 said:

Correct address at the time though I have since moved. Recent letters have came to my new address.

opps sorry!!

 

they say you have all the statement's

i notice the late payment was july 2018 and the debt wasn't sold till late 2019.

 

on the statements are there heeps of £12 over limit/late payment £12 penalty fees throughout?

 

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

so about £240(+int at cap1 rate) in unlawful penalty fees??

 

4.The said supplier assigned all rights in the said debt to Cabot Financial UK limited on 15th November 2019

 

there cant be any £12 penalty fees after 15th nov 2019......

 

can you check again please

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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thank you

 

now a bit of work for you

 

here are the spreadsheets from old

 

 

get a copy of the CISHEET

 

set the claim from date to the date of the 1st £12 charge.

look at the statements and workout the LAST date CAP1 charged their card interest rate on the balance - enter that date as the claim to date.

 

enter each £12 penalty charge individually on its own line date , description (late/over limit Penalty Charge), Amount £12

 

save the spreadsheet... that sheet will give you a total figure top right note that down

 

open a copy of the statint sheet

 

enter the claim from date as the day AFTER the date your entered from the claim to date of the CISHEET

leave the claim to date ALONE.

 

on the 1st line of the data section of the statint sheet.....

 

enter as the date the same as you typed in the claim form date box

as the description - enter total of penalty charges & original creditor interest charged

as the sum - copy the noted total from the CISHEET.

 

the sheet does the rest for you.

 

explanation - penalty charges were deemed unlawful by the FCA (then FSA) in 2006, hence all the bank charges reclaiming that went on, thats how CAG came about!. the ruling is equally applicable to credit card charges.

 

you are entitled to each charge to be removed and the interest the charge attracted by the original creditor too (hence the CISHEET). 

 

as the OC sold the debt, the interest would have ceased then or before the sale to cabot, as the agreement was terminated upon sale. 

 

as that sum has been deprived from you from that date, and thus from you investing it,  the FCA (then FSA) stipulated that customers were also entitled to a flat rate 8% statutory rate refund until settled as compensation.

 

hope that makes sense - if you dont have MS excel - down load and use open office. you will have to save the spreadsheets first before being able to use them.

 

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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Quick question DX. I'm filling these out just now. On the CISHEET should I enter the interest rate of the card as well or should I just add up each £12?

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sorry yes well spotted

put cap1 avg int rate for the period of all penalty charges in cell D15 on the cisheet.

 

:yo:

 

 

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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I thought that but just wanted to make sure. Cheers.

 

I'm not too sure what to set the interest rate to. The original agreement states the standard interest rate is 34.94%  p.a. I'm assuming this is too high and it should be something lower? 

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use that... its low for cap1 ....cash radvance rate is g00d!

 

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 I've done that. 

 

CISheet

Total of Charges = £348 (I've included a number of £12 charges for 'overlimit' and 'returned payment' which I assume is correct? Hadn't noticed them first time around when looking purely for late payment charges.

Total after including their 34% interest rate = £590.23

 

StatIntSheet

The total for this after putting in £590.23 and then the date after the 'claim to' date from the CISheet is £5057.49.

 

Should I now be uploading a letter onto the court portal explaining these sums and asking for the total to be removed?

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can you upload both .xls files please? you might have to save as .pdf

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

thats an interesting sum eh?

 

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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