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    • Thank you for your reply. Yes the hob was bought Sept but not installed until early Dec, started showing faults almost immediately but because it was 'bought' over 30 days Curry's washed their hands of it. The hob cost £229.00 and I still have it here. Yesterday I sent an email to Alex Baldock CEO of Curry's and I received a reply almost immediately from his office who have passed it onto their 'Executive Resolution Team' who will investigate and respond to the matter in due course. The email sent was more or less the exact copy of the one that I posted here so we will now wait their investigation and I will let you know the outcome.
    • The shortage of semiconductors is continuing to have a major impact on industries around the world.View the full article
    • Hi CAG,   First time poster here.   I would like to start off by saying that I've read through various threads and it's quite heartwarming to see the level of attention and support you give to people dealing with often stressful and anxiety inducing circumstances. I'll certainly be making a donation as this is truly a valuable resource.   I've read several similar threads to my own situation but I thought I'd seek your advice.   I opened a letter just a few hours ago from London Collection and Compliance Centre which is dated 11th January 2022 for an amount totalling £870.68. I'll attach a copy below. I can't quite remember the date of the initial offence. For context, I boarded a bus (I believe in 2018) and unbeknownst to me, my contactless card did not register correctly on the reader. I had my headphones in with music playing and was sat for my journey and then was approached by a ticket inspector who informed me that I did not tap and therefore was unable to provide proof of a valid ticket. Despite explaining the circumstances, I was asked for my details which I provided in full. I was honest and forthcoming with the ticket inspector but I wasn't aware this would amount to a fine as I was provided with a printed pass for the remainder of my journey. I accept liability for not being able to provide proof of a valid ticket and do not wish to dispute this regardless of intent.    I'm not entirely sure why I didn't pay the fine upon receipt of TfL's initial correspondence but I'm a long time sufferer of anxiety and depression which at times is so debilitating that I'm unable to make the best decisions or carry out simple actions. Some of which would mean I wouldn't need to make this post. I struggled financially at the time of receiving this letter and further correspondence which placed I did not deal with correctly because of the mental state I was in. I struggled to cope with and stupidly I neglected my responsibility and buried my head in the sand. I made an error in judgement that I wholeheartedly regret.   As of writing (early hours of 26th January 2022), the 10 working days given in the 'Further steps notice' has elapsed (25th January 2022). I rarely receive mail and therefore I don't regularly check my mailbox. However, I decided to take a look today as I suspected I missed a Royal Mail delivery. I intend on calling the number on the letter at the earliest appropriate time in the morning and dealing with this matter. I'm desperate to right my previous wrongs as I've worked hard to deal with my anxiety by beginning therapy. However, like many others in this thread, I'm worried about the prospect of having a criminal record. I'm 26 years only and I don't have any previous convictions nor have I had any trouble with the law. I have a real love for the service TfL provides and I'm capable of listing off an endless stream of related trivia. I have no previous run ins with TfL and regularly travel on the network and pay the correct, full fare each time.    I'm worried about how this will affect my future in regards to employment and my intention of naturalising as a British citizen (I've been in the UK for 20 years now).   I'll note my primary questions below and would truly appreciate your advice.   a) If I get in contact with the number on the letter as soon as possible, will that be too late despite the close proximity to the deadline?   b) What would be the best potential approach to resolving this issue? (I'm unable to pay the amount in as a lump sum.)   c) If I were successful in arranging a payment plan/somehow paying the amount in full, how would that affect the court proceedings? Would this still result in a criminal record?   d) I've seen other threads which mention OOC settlements with TfL, would this be an option despite receipt of a 'Further steps notice' letter?   e) Should I end up in court or have the opportunity to speak to someone over the phone - will I be able to explain my circumstance and plead for leniency?   f) What other general steps would you suggest I take at this stage to mitigate the consequences?   Apologies for this post being so long, I wanted to include as much relevant detail as possible and I'm more than happy to provide any that's missing. I don't want to make excuses for myself. I completely accept I'm in the wrong for allowing things to get to this stage, despite the difficulty I had with my mental state but I want to do right by myself and deal with this. I'll post regular updates and be sure to include a conclusion once I deal with the matter regardless of the outcome.   Thank you in advance for looking at this post, I really do appreciate what you do.   IMG_2609.pdf
    • The worrying aspect is that they could well run away ... then a few months down the line, knowing full well you'd moved, sue you at your old address, knowing you would lose by default.  Therefore I suggest sending the above letter off on Thursday if the other regulars don't disagree, then on Saturday another one to just UKPM     Dear UK Car Park Management Limited,   re: PCN no.XXXXX   please note that I no longer live at XXXXX but that my new address is XXXXX.   Yours,
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GSMGuy v Barclaycard / Cabot


GSMGuy
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Here's a strange one...

 

My unused Bcard had a balance of a few hundred pounds run up by the now ex wife about 4 years ago..... Anyway, not heard a thing about it for a good couple of years, no statements or requests for payment, since my solicitor wrote to them and advised them to pursue ex wife as she had used the card after we split, and before I cancelled it...

 

 

Anyway.. I think my getting to the court date stage with Barclays over my Wollwich account and sending in a S.A.R - for the Barclaycard has prompted them into action...

 

Basically I got a lettter from Cabot, saying they had bought the debt, and included was I think the same stlye of letter printed on Barclays paper with the same date saying they had sold/assigned the debt to Cabot....

 

Then I received back my SAR.... Or what purported to be the information I had asked for - along with the letter below...

 

I quote...

 

img016su1.th.jpg

 

 

It included a bunch of copy statements back from 2004 until Dec 2006 - None of which I have received....

 

So do I now write back asking for a copy of the CCA and is their argument valid, or am I still entitled to ALL of the info for the £10 I have paid?

 

Also, should I let Barclaycard know that I am looking to query charges on the account, and as such they should recall it from Cabot - TBH Cabot are phoning me 2 or 3 times a day, the first call - he asked me to confirm my name address, and DOB - I refused saying I was not giving any personal info out on a call I had received - he seemed a bit taken aback - he said "if you don't confirm - I can't talk to you" I said "Goodbye" and put the phone down - they still keep ringing though and not leaving messages - surely this is harassment?

 

Mike

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  • 4 weeks later...

Ok, well following the excellent TBern123's thread, have now written back to them reminding them of the recent statements by the information comissioner.....

 

Mike

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As Cabot are now phoning my mobile 2 or 3 times a day, I have done a CCA to them via recorded delivery today - Also CC'd it on email, telling them that any further calls would be considered harrasment - got a reply in less than 5 mins stating they await my original CCA and will now correspond in writing only!

 

Mike

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  • 4 weeks later...

Well, eventually got a letter back from them in response to the CCA - Posted below.. Received an interim letter telling me they were waiting for info from Sharclaycard...

 

img037kl4.jpg

 

Hmm, hello and goodbye letters now????

 

Are they right - Can they get out of this as they are not the originators of, or the original debtors - also can they charge me for wanting to see the deeds of assignment???? And are they saying that they have "won" previous cases that have gotten to court??

 

Heeeelp!!!

 

Mike

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oops, we havnt been ignoring you!

 

The microfiche argument has been overturned, so you can request your SAR again and they have to comply:

 

http://www.consumeractiongroup.co.uk/forum/barclaycard/50148-barclaycard-microfiche-they-wrong.html

 

You should PM a mod about the deed of assignment or perhaps start a thread in http://www.consumeractiongroup.co.uk/forum/general/

 

Name the thread - Urgent help please with DCA - that should get some attention (and put a link to this thread and explain why you are in both!!

 

HTH

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If you think my advice has been helpful, please click on the scales to the left :) thank you!

 

Non illegitimi carborundum

 

 

I wish I was a glow worm,

A glow worm's never glum!

 

How can you be grumpy,

when the sun shines out yer bum?! :p

 

 

Amex * 2 *** WON *** Settled

Marbles ****WON*** In full settlement

Capital 1 ***WON*** In full settlement

MBNA ***WON**** In full settlement

Barclaycard ***WON*** In full settlement

Barclays Bank - ***WON*** In full settlement

Abbey ***WON*** In full settlement

Abbey (Mrs Chorlton) ***WON*** In full settlement

Abbey (Mr and Mrs C) - MCOL submitted 16/5/07

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Cheers Chorlton, I knew about the microfiche argument and have written back to Barclaycard who confirmed that they would as a gesture of goodwill blah blah, funnily enough, just as I am typing this my OH has just come up the stairs with the post, and a large envelope from Sharclaycard with ALL the statements in it - how weird is that??

 

Anyway It was a CCA that I sent to Cabot, and the above is their reply, so can they use the arguments they have, as a get out to avoid complying with the CCA?

 

Mike

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  • 1 month later...
Cheers Chorlton, I knew about the microfiche argument and have written back to Barclaycard who confirmed that they would as a gesture of goodwill blah blah, funnily enough, just as I am typing this my OH has just come up the stairs with the post, and a large envelope from Sharclaycard with ALL the statements in it - how weird is that??

 

Anyway It was a CCA that I sent to Cabot, and the above is their reply, so can they use the arguments they have, as a get out to avoid complying with the CCA?

 

Mike

 

Mike..Any News.... just seen (for the 1st time) that letter Cabot sent you!! OMG :shock:

Just hate every DCA out there

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Cheers Chorlton, I knew about the microfiche argument and have written back to Barclaycard who confirmed that they would as a gesture of goodwill blah blah, funnily enough, just as I am typing this my OH has just come up the stairs with the post, and a large envelope from Sharclaycard with ALL the statements in it - how weird is that??

 

Anyway It was a CCA that I sent to Cabot, and the above is their reply, so can they use the arguments they have, as a get out to avoid complying with the CCA?

 

Mike

 

 

Hi,

 

 

That letter in reply to your CCA request seems to be the standard reply. I received almost identical letters from 2 CCA requests.

 

Jeff.

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