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    • You can post claim forms on your thread if you edit the pdf to block out personal details. I think details of that are on our upload sticky.   HB  
    • The trading standards officer didn’t come back to me yesterday so I’m going to call her on Monday morning and just clarify that there is no further action she will be taking so I can proceed to submit the money claim form.    However before I do this, I just wanted your guidance on a few things please.    1.  Should I contact the trader to return his courtesy car as he has mentioned this to the Trading Standards officer?  I am not willing to drive an untaxed car, nor do I want to particularly drive to him even if he arranges the car tax, but do I contact him to arrange a suitable day / time for him to collect it from my mums address. ?    2.  Should I register my fathers car in my name? The DVLA were made aware that my father had passed but at the time, we were under the impression the car was being repaired and would eventually be returned back to us so that we could decide what we wanted to do with it (keep it vs sell it). The situation has since changed and I’m just wondering whether I should register myself as the keeper    3.  My father also had private registration plates on the which we want to keep. I know I need to fill in the relevant paperwork to retain the plates, however should I request the physical plates back from the trader? In hindsight I maybe should have included this in the letters that I sent to him, but is this something I can request via the money claim? In addition, when the keys for the car were given to the trader, they had a key ring of my son of when he was a baby. It might sound petty but I really don’t like the thought of the trader having this, so am I able to request this via the courts also?    4.  When I fill in the online money claim form, should I put my late fathers names as the claimant , i.e Mrs MY NAME as the personal representative of Mr FATHERS NAME (deceased)’.   5.  I also just wanted to have a final sense check of the wording of the particulars of claim as below.    The late Mr XXX, claimant, bought a Jaguar vehicle registration number XXXX XXX from the defendant for £10995 on 4th September 2019. Soon afterwards, the vehicle developed serious defects and despite defendant's attempts at repairs, it has continued to exhibit problems. The vehicle is in the possession of the defendant and has been with him for 21 months during the entire 22 months of the claimant's ownership. The defendant is fully aware of the nature of the defects and has been fully appraised. The defendant has supplied a vehicle which is not of satisfactory quality and the claimant has been fundamentally deprived of substantially for the whole benefit of the contract. Prior to issuing proceedings, the personal representative of the Late Mr XXX, claimant, sent a Letter of Claim to the defendant demanding payment. In the circumstances, the claimant seeks reimbursement of £10000   The one thing I am unsure of in the above  wording is the part where it says “….and has been with him for 21 months during the entire 22 months of the claimant's ownership”   Is the car still classed as the “claimant’s ownership” even though my father passed during this period and I haven’t registered the car under my name? Do I (as the personal representative/ executor) technically own the car?    I apologise for all the questions but I would really like to get this right to avoid any unnecessary delays / costs etc.    And I appreciate all your help with this   thank you 
    • Can I PM you the claim form as it has personal details? I did put in a defence. I believe it’s still open as on the government money claim website it states the claimant will be asked to go to mediation but nothing has happened. The claimant is a landlord for unpaid rent on an old tenancy.    The HCEO has already been…
    • I think there is probably a lot of confusion here. First of all it sounds to me as if there has been a judgement against you in the County Court. This judgement is for a figure greater than £600 and instead of using the County Court bailiffs who are not very effective, the claimant has had the matter transferred up to the High Court for enforcement by High Court Enforcement Officers who have a lot of teeth and will carry out a very robust enforcement. If I'm right, then there is a judgement already in place and you won't be able to get it set aside. I think you need to let us know a bit more what it is about, a copy of the claim form in PDF format would be very useful. Did you put in a defence? Why do you think the claim has still not been heard or settled? Who's the claimant? What is the value of the claim? Also you should be aware that High Court enforcement is very expensive and if the enforcement is successful then you will have the fees added as well which could be as much as £2000. There is no good news here at the moment.
    • I was reading a news article and thought that a UK Government minister looked about 65 so close to retirement.   I then read that they were only 46.    My thought for the day, is that if you want to remain youthfull looking, don't become a Government minister as the job will add 20 years to your looks.
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RBS loan -- charging order against home


davrym
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sure no rush

 

lets get all your ducks in-line with the correct info, then the forum can advise you properly.

 

have you all the statements for everything to date?

inc the old OD debt and old loan debt rolled into this consolidation loan you are still paying?

 

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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Thanks dx,

 

As for copy paperwork. 

 

The original loan which was consolidated I have not got a copy of. 

 

The consolidation loan was done by phone, if I remember correctly I was sent a form which they marked for me to sign and return but I have never had a copy given to me. 

 

As for statements on the consolidation loan I have never been sent any. 

I was just sent a proof of earnings letter or request to settle letter form whatever solicitor they were using at the time.

 

The only Statements I have end when the consolidation loan was paid into the account

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get an SAR off to RBS tomorrow its free

and could well reveal some very damaging information.

 

 

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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never ever use email concerning any credit or debt matters

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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Oh ok.  I have emailed them beforehand to get contact info but that's it.  I will check deeds and send off SAR tomorrow.  Will update with deed info as soon as possible and then when SAR  comes through.

 

Thanks for the help.

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not sure what you mean by secure the debt:noidea:

 

they have already secured the CCJ by way of the Restriction k

 

 

 

 

 

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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no bailiff has any right of entry on a civil debt CCJ nor any CCJ for a debt covered by the consumer credit act

DCBL are commercial bailiffs.

 

 

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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  • 4 months later...

open

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Apologies for the delay but everywhere is in lockdown and it is taking forever to obtain information.  Had to go to land registry for copy of deed and they had issues with their payment system.  Hope this is the part you needed.  I have erased personal info and solicitor details just in case.

 

 

I sent SAR request but stupidly did not do so by recorded mail as i thought no one would sign for it being covid 19.  Got no reply.  Sent copy to their solicitor and they acknowledged the email but said that their client had not requested any info from them.  Sent one by recorded mail and got a reply today saying they have received it but can not continue unless i send them a scan confirming my identity.

 

driving licence

Passport

EU national ID card

UK armed forces card

Police warrant card

 

I do not have any of them.

 

All the while I have made 19 phone calls to the number they have provided.  6 unanswered and the ones they answer I am told that the person on the other end is just a receptionist who directs the calls.  every single time  I request to be put through to the case manager dealing with me she is not in office.  they send an email to her to confirm my call and a copy email to her manager.  Not had a return call to date.  Did get a letter to say she is having "telephone difficulties" but no explanation.

 

Still awaiting my return call.

 

What do i do if i dont have the ID they request??

 

Many thanks and again sorry for the delays but im not getting much help from the bank.

Land REg.pdf

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so as post 25.

stuff and all they can do to you.

 

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...
Posted (edited)

You really need all the data that the bank holds on you.

 

First time I've heard of their collection centre arranging a loan to refinance.

Edited by paulwlton

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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Hi

 

The issue you have with the SAR as you have previously sent a SAR and they have requested the information to verify your Identiy in post#39 the Time Limit of 30 Calender Days does not start until they have verified your identity and sending another SAR will not change this as they will still ask for that same to verify your identity.

 

What I would suggest as you do not have the documents they are requesting is to simply provide the following if you have it to verify your identiy again remember the Time Limit does not start until they have verified your identity and they are playing hard ball and know what they are doing:

 

1. Birth Certificate.

2. Council Tax Bill.

3. NHS Card with your NHS Number

4. Letter from your Doctor confirming your Identiy. (note there may be a cost for this so always check with your GP first)

5. If on any Benefits as these are via DWP provide these letters.

 

If they still refuse after providing the above and ask for the specific ID in post#39 again report this to the Information Commissioners Office (ICO)

 

https://ico.org.uk/for-organisations/guide-to-data-protection/guide-to-the-general-data-protection-regulation-gdpr/individual-rights/right-of-access/

 

https://ico.org.uk/for-organisations/guide-to-data-protection/guide-to-the-general-data-protection-regulation-gdpr/right-of-access/how-do-we-recognise-a-subject-access-request-sar/

 

 

 

 

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I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

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the op has not moved, hence the charge on the present property.

can't see why the bank are asking for any details tbh..just being obstructive......

 

 

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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Hi guys,

 

I did include birth certificate in last letter.  Also copy correspondence I have had with debt management team and their solicitors to prove my identity and remove any questions they may have about sending information to me.

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one multipage PDF only please

post hidden

 

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

read our upload guide

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...

Have had the SAR returned to me. 

 

Strange that they have not included any signed copies of loans.  Especially the one i am disputing. 

 

Have sent lists of what I am assuming are details of previous loans but they have blocked out the financial details. 

 

They list the final loan as being administered by telemarketing unit and list it as a home improvement loan. 

 

The full and final investigation into this matter as they stated in the letter consists of 2 small paragraphs. 

They are saying I should have brought the complaint to them much sooner

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so you now have all the statements of all the loans from day one?

 

 

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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They never included statements.  Just a list of each loan.  Date taken out and amount.

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