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    • Great thanks. I will get on to it later this evening.
    • Well as I said, this is really outside my experience but I really don't understand why such a one-sided term which is also calculated to negate the court rules about costs is not considered to be an unfair term under the consumer rights act. As far as I can see, the unfair terms provisions simply refer to "a contract" between a trader on one hand and a consumer on the other hand. There is no definition on consumer which suggests that it has to be in terms of buying retail services in the usual way. It simply says that they are entering into a contract outside their normal trade or profession. Have you checked to see whether or not this aspect has been considered? Have you looked in the above case to see whether the issue of unfair terms was raised?
    • So they only sent you the NOSP/NTQ via email to date !   Its good you're seeing a solicitor who can answer all your question, keep us posted on CAG.
    • Thanks Brass.. got rid of Zoom as suggested..   dx100uk.. that's a great suggestion, but perhaps after I win this one we can go after his terminology    
    • pretty much par for the course then for a fleecing DCA that expects, as 99.9% of respondents do, wet themselves and cough up the instant a court form lands. they never expect a defence to be filed and simply don't bother to get their ducks in line.   so get each of these instances of missing paperwork together  list them. pop up on our enhanced google search box and type in claimform card default won or various other sentences and knock up a few words for each instance to relate to the sheriff during the CMD about how each is important within the consumer credit act and for the claimant to not hold them, under CCa rule xxx (for a DN its section 87) , its fatal to their claim.   dx  
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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

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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

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