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    • maybne the courts are waking up to Simple Simon and his shenanigans, and dots are being joined?
    • In their draft application to the court they state that their Letter of Claim listed the proper three invoices.  Is this true, or are they lying?   As for replying to them, hang fire for the moment, see what people who have dealt with this sort of thing before have to say, there may be a way to oppose their application or at least make them pay a hefty sum to the court for granting it.
    • but the other debts are part of this big picture and its eventual solution a rough idea will help.   if if if they ever get another powerless repo/dca involved, they will tell you well in advance.   help us please
    • to do what they are powerless...   you like 10'00'000 of other s jump because a dca says this or that a DCA is not a bailiff and has zero legal powers on any debt no matter what its type.   another one of your issues is following stupid freeman of the land twaddle. very dangerous.don't   moorcroft dont by debts they only act for clients.   as long as you don't run from debt and insure the debt owners or 'the client' has from you a letter which states your correct and current address or you did so to the Original creditor before any sale or your haven't moved since taking 'the credit' out you are safe from backdoor CCJ's to an old address.   sit on your hands and see if the owner of the debt want to issue a letter of claim. if they do  you return here   A CCJ - which is the only tool they have - because just like us joe public, its the only thing we can legally do if we claim someone owes us money - they have no more powers that you or me
    • That is why I (specifically) said "the lender".
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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PRA/Brodies SPC Claimform - old LLoydsTsb Credit Card Debt


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form is on the response thread already here  knock up something we'll adapt it.   What To Do - Simple Procedure Rule Claims Scotland - Scotland Financial Legal Issues - Consumer Action

thats ok understandable..

SAR is 30days worth a punt and an extra string to your bow

plenty of SPC threads here too.

 

might be of benefit to use our search top right

SPC

that'll cross i's and dot t's for how we deal...

 

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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Good evening,

Received the following response from AABRS:

 

Dear Mr .......

 

Regrettably, having made further enquiries, we have established that the records held by the liquidator did not include personal data; such data having been stored by RMR on a cloud platform that was deleted by the cloud provider when RMR failed to pay the provider.

 

Kind regards

 

Corporate & Personal Recovery

Looks like they wont be able to assist.

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i don't believe that , someone is duty bound to hold data for 6yrs under various acts of the law. 

now if the data is over six years then so be it

but they havent said that

when they easily could ...strange 

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 well we'll have to spread our wings them.

get an sar running to lloyds 

and send one to PRA too.

 

they are free so worth a punt.

 

 

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

i've not heard of lloyds ever responding to an email sar but no harm in trying, what email address mind is another matter

we usually tell people to use the gresham house address ...i think it is 

 

and we don't usually advise giving a claimant an email address either as they tend to file stuff 1 min before any deadlines by again this is a scottish claim so might not matter.

however i doubt the SAR return will be electronic 

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

we'll dangle some bait first

don't worry about the CCA until we reply to the claimform in Jan.

 

it might actually confuse PRA as they'll think you've not got a clue what you are doing and hope for an easy walk over claim.

don't specify any account numbers in the sar just send it.

 

just be aware though that if the SAR shows a history of payments it will be the SB defence out the window but all's not lost if so

 

 

 

 

 

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

other than getting upto speed on our past SPC claims and how things progress etc ...

type spc in our search top right

 

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
  • 3 weeks later...

can you scan to one multipage PDF the return please

follow our upload guide carefully ensuring you redact anything inc barcodes/ref/aC no's that can ID you

dates and figure please leave in,

 

 

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
  • dx100uk changed the title to PRA/Brodies SPC Claim - old LLoydsTsb Credit Card Debt

sar from PRA in post above 

thread tidied.

 

that SAR from LLoyds is gonna be good.

 

to me it looks like this debt is all PPI or penalty charges that of course you've never reclaimed?

no wonder LLoyds TSB sold it on

 

the agreement is also pants as it does contain all the relevant Prescribed terms nor are there any T&C's .

 

 

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

it always was no matter what ..there always multiple reasons for defending a claim......

you need to bare-in-mind a big multi-national bank rarely sell a debt without reason.

it's finding the reasons thats the key.

 

so why was the charges and ppi never redressed...didn't know they were reclaimable?

 

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

It was one of several loans and credit cards i had around that time.

When i started to get on top of my finances and get a mortgage i handed them over to compass to lower my payments, some were already in default before that if i recall correctly. 

 

Once they were being dealt with by compass i pretty much forgot about them.

I assumed at the time that because they were in arrears etc i couldn't reclaim ppi etc.

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ok all good useful info.

 

wack me the brodies stuff too 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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Share on other sites
  • dx100uk changed the title to PRA/Brodies SPC Claimform - old LLoydsTsb Credit Card Debt

ok brodies stuff that useful in the post above

i see they have a better copy the agreement..

 

 

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

Received response from lloydstsb, they have not been able to find any information using the details i  gave them.

They enclosed a form asking for previous addresses and account numbers that i might have.

Should i reply, and is there still sufficient time before i have to submit the spc form?

Also wondering should i let sleeping dogs lie as it were, I did have a current account with a loan and overdraft if i recall correctly.

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