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    • nothing....   other than insuring their client is informed by you of your correct and current address in writing.    
    • 1) a very remote IF.... 2, no you post the results of that questionnaire to a post as text.   my links were not so much to be used to inform you how to deal with a remote chance of a court claim.. but more for you to understand the whole creation of the fake debt process...   not sure what device you use but incase its one that doesn't show my red text below all posts... i shall post it in this msg body...   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...     
    • No, it's not. Just as GAP and other insurance's, when supplied and used correctly, this type of insurance can save the driver\owner a fortune. Some diamond cut alloy's are over £1,000's   Rim protectors won't help all the time and a replacement set of tyres may not have them at all.   Not useless at all. Generally, generalisations like the one above are sweepingly unhelpfull. Or wrong.   H
    • Ok cool found a few. Just to confirm.   1) Wait for the claim to arrive in the post. 2) use the template with the claim details (bar pesonal details etc...) BY tempalte I meant the one here: Link   And take it from there?   Sorry, I'm not usually this unsure, but this is totally new terratory for me! last hting I want is to do something wrong when it comes to the legal side of things...
    • Hi I have a couple of credit card debts from Dubai, one of which I'm getting hassled about via email by IDR.   They said they got my email details via a credit agency....(its the same email as the bank would've given them!)   my thought is, that really we're in a stalemate. I have no assets and work as a freelance (ie they cant take any wages if it came to it) therefore why would they spend cash as its not their debt, to take me to court. and on top of that what would it achieve?   Im sure im being simplistic but what have I got to actually fear?   Thanks in advance dubai 5-0    
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Intrum/Lester Aldridge - PAP Letter - Re old Halifax Card Debt


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I Hope you can hep me please.

 

I have received a letter of claim from lester aldridge for Intrum uk finance limited 

 

stupidly i didn't realise it was dated 26th October, so I will not be able to reply within 30 days but post!

 

it was for a Halifax cc

originally owned by moorcroft in 2018 then by antrum from 18/7/19.

 

i sent a CCA request to Moorcroft end of 2019 and received reply early Jan 2020.

acknowledging receipt of CCA and requested files from client.

also stated they are not seeking enforcement.

 

received a huge package of statements from 2012  to 2018

with a covering letter saying please see copy of bill/statement/breakdowns/agreement

 

i cant see any terms and conditions or my signature of setting up card agreement etc?

 

I would greatly appreciate any help you can give me in terms of what choice i have for the PAP letter?

 

do I phone instead to be within the 30 days?

 

or fill it in anyway. If so what option do i select, is it that I dispute the debt etc?

 

NOTE -  I received the package from Moorcroft in April 2020. It was passed to Antrum on 18/07/20.

 

many thanks

 

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  • dx100uk changed the title to Intrum/Lester Aldridge - PAP Letter - Re old Halifax Card Debt

post 2 here

The Pre-Action Protocol for Debt Claims is made by the Master of the Rolls as Head of Civil Justice. 1st Oct 2017 - Legal - Consumer Action Group

 

because the claimant has failed to full comply in previous requests.

 

never ever phone a powerless DCA

 

.....

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... 

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 DX100Uk

 

Thank you so much for replying.

 

Just to confirm:-

I am asking for another CCA, this time from Intrum and not Moorcroft?

 

letter was from lester aldridge, but they state in letter that reply form goes to intrum?

also can i put the cca letter request and £1PO in the same envelope or best to post separately?

 

Many thanks.

 

also does it matter about the 30 days please?

 

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please go read the instructions of post 2 again carefully upon what to send to whom.

 

forget moorcroft they don't buy debts and should never have been replied to in the 2st place

 

our pap reply form goes to the solicitor

the CCA goes to their stated client on the letter of claim

 

 

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.

 

it is making more sense now.

 

However one issue is the PAP letter says  to send to intrum?

'you must return the reply form and standard financial statement to our client(intrum full address)

within 30 days from letter date?

 

instruction on post 2 says

staple the £1  PO to the CCA request and send it to the debt purchaser

return the completed PAP form below to the solicitors that sent it to you

attain free proof of posting for BOTH at any PO counter

1st class mail will do. recorded is a waste of money.

 

best to send it to both?

 

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they mean the i&e sheets they sent..you dont use those at all.

do as post 2 exactly says.

 

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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  • 1 month later...

open

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

 

As an update to this I have received a reply!

Please see attached files.

Can anyone please tell me if the reply is legit i.e is the CCA response correct and if so

what do I do next please?

 

any help would be appreciated.

 

 

 

CCa return .pdf

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the CCA itself looks to hold all the required prescribed terms mind.

 

but no DN nor NOA yet from the rested other docs in the PAPLOC reply list.

 

its interesting to note the letter states .....

we will continue with our efforts to recover the outstanding monies due and owing.

 

efforts being the interesting word...not court.

 

IMHO yours is not the next move.

 

 

 

 

 

 

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.

 

As I saw my signature on the form etc, I thought that was it for me in terms of fighting this.

 

But of course I do not have the knowledge you have concerning terms and conditions points you made, and I don't understand DN and NOA.

 

It may be best for me to wait to see what comes my way next from them, as you have pointed out.

I guess it may be another PAP form, or even court!?

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ive merged all the CCA return to your earlier post

 

default notice and

Notice of Assignment are yet to be seen ?

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 would also need to send another PAP anyway as they are out of time. I'd not be surprised if Intrum were just looking for people who didn't reply to the PAP, in order for them to gain an undefended judgement. Best just to do nothing, let them make the next move.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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If you want advice on your thread please PM me a link to your thread

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