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    • Hi   I assume this mattress was the Tenants own property?   So after moving out the Tenants provided an attachment showing a stained mattress and wanting full deposit back and threatening to claim against you for this.   1. Tenants failed to notify you of this stained mattress issue until the end of tenancy after they had vacated the property.   2. You have no evidence that this was the actual mattress used in that property nor evidence to back up there claim the staining caused this mattress damage.  (i.e. one of them could have had an accident and wet the bed or done this when they moved from the property).     3. Ask them that you wish the mattress independently inspected. (which you are fully entitled to do and if it proves this claim is false it will be added to the deposit claim by you the landlord for damages as well as the Garden if you need to get landscapers in to carry out the work that should have been carried out by Tenants as per Tenacy Agreement and raised  by yourself (Landlord) on a few occasions which Tenants failed to rectify even at end of tenancy.   4. Ask them to provide you with the contact details of there Contents Insurance Company (tenants whether Private or Social Housing should always take out and have Contents Insurance but is up to that tenant) bet they don't provide it Big question is the Deposit protected in a Tenancy Deposit Scheme (TDS) and those Tenants that have left were given a copy of the Prescribed Terms for that TDS? (Bear in mind you may need to tell TDS that you are in dispute with the Tenant about damages i.e. mattress and Garden)    
    • plenty of time to research and calm down. nothing much to do until the end of june.    
    • well ...... 1st you need to go back to post 1 and carefully read ALL this thread from the start again and pay attention to the advice and the undertones it explains about 'debt'.   2nd ...the truth is you owe no-one ANYTHING, the OC wrote off and sold the debt, and got most of it back against tax and business insurance schemes ...throw the morality card out the window...the OC did by selling the debt on for <10p=£1. and the DCa want the full balance ...id so many fools stopped paying powerless DCA's tomorrow, the whole industry would collapse overnight.   3rd the only reason this is still around your neck is because you failed to follow given advice...had you ..it would now be statute barred.      ^^^ very important research the M+S credit card debacle using our enhanced google searchbox on this page   as for the PAPLOC reply,   D.. desipte a previous CCA requests, the claimant has yet to supply any/all of the required paperwork.   i: delete [CC is attached to this reply form]"   
    • Hi again   Yes, it's been a lovely day weather wise.   Guess you've better things to do with weather like today than help with this problem, so thanks very much for your input, it's very much appreciated.   Late this afternoon I did receive a reply from the tenants, and they are asking me to go 50/50 with getting the garden sorted, not only that, as they have moved away they are expecting me to get the quotes.   Regarding you view on this issue, its so easy not to see the whole picture and my thoughts that the staining damp may be of their own doing didn't occur to me as I was so locked into the historical leak. Taking a closer look at the room in question today, I'm convinced that they are trying it on with the stained mattress- they did mail through a picture and then a receipt for supposedly the mattress. My wife and I then took both the pic and receipt to the bedding store where purchase was made to ask if the two married up, the picture does not show any emblems/manufactures logo or such to prove that this is the case, so we are none the wiser- our thoughts being that the stained mattress is from elsewhere.   A few days back I spoke to our letting agent regarding all of this, as was quite correctly mentioned there are two parts to this equation, namely the mattress and then the property.   Our agents mentioned to me that as an inventory was not carried out initially with the let, (hindsight) the pictures that were used to advertise the property could not be used as evidence to present to the TDS to be compared to the pictures now as there is no proof that the advertising pictures were in fact how the property was when the let started. I mentioned that all digital pictures have a means of finding when that pic was taken- Geo tag/Metadata- agent was quite surprised by this. The agents thoughts then went for a hide in a vacuum-   This is going off at a tangent here-many moons ago my wife studied computer science at a local University, one of her classmates who she is still in touch with is now a practising Solicitor. My wife suggested that maybe I give her a call, a bit rude I guess, but I did  phone and with the pleasantries out the way  I asked for her opinion of the best way to get this sorted. Her remit isn't landlord type stuff, however she will speak to a colleague on Monday and come back to me.   The property is due to be relet on the 21st, we will ensure that the new tenants move in to a home that is immaculate and welcoming, trouble is its getting a tadge close to get the garden issues sorted in time.   I know that all this will get closure in the end, but at the moment I've had more fun with a toothpick-   Again, many thanks.
    • The collection is currently stored at curator James Blower's home, but he has now found a space situated in an old bank premises where he hopes to exhibit them from this autumn or early next year. View the full article
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Capquest/Drydens Letter of Claim - old Virgin/MBNA card


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Posted (edited)

I have filled in the form as you suggested, and typed up a CCA to go with it.

 

Lets see what transpires. Hopefully they will just bugger off, but I somehow doubt it!

 

Is it ok to use a cheque for the £1 fee?

 

H

Edited by hamadryad

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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:tea:

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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Do I take it that's a yes, or are you having your tea at the mo?

 

H

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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I’ve sent the form off with a CCA, so it’s well within the 30 day period.

I put a cheque in it too, so I’ll see when that is cashed.

ltes see what transpires next.........

 

H

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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thats a good idea to give them a copy of your signature so they can copy and paste it onto fake paperwork from their filing cabinet....

did you not read all the posts in the CCA request link...

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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My signature was covered by the printed name, so they can’t separate it and I’ve a different signature for cheques from my usual one too

 

H

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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😉 well be careful next time thats why we say use a PO.

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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Point taken!

 

cheers

 

H

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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  • 2 weeks later...
Posted (edited)

Hi,

 

Rather stupidly I sent the form back to the address at the bottom of the claim letter.

The cheque has still not been cashed either!

Realizing my mistake, I wrote to the correspondence address they gave, refuting the debt on the grounds that they had not complied with a CCA request.

I enclosed a PO for £1 and didn't sign anything.

Is what I have done sufficient, or should I ask them for a new form.

 

H

Edited by hamadryad

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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what form? you dont use their form 

you use the PDF in the guide i pointed you too

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 used the letter from the section you pointed me to.

I left out all my details from their form, and refuted the debt for the reason you said.

ie they had not complied with a CCA request.

I sent a new CCA request with a £1 postal order.

 

H

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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1 hour ago, hamadryad said:

I left out all my details from their form,

 

but you didn't use their form they sent you , the one with the letter of claim from drydens

you used the PDF from us on that link and sent that to drydens?

 

and you sent a sep CCA request too, to the debt owner Capquest?

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

No no. I sent their form back notated as you suggested and sent a cca request.

sent the letter refuting the debt to the correspondence address and a cca there too.

 

H

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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why cant you reply in plain english:frusty::noidea:

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

Sorry.

I sent their form and a cca request to the address at the bottom of their letter.

the correspondence address was at the top of the letter & in smaller print.

I sent a letter denying the debt and another cca request to that address.

So, for the avoidance of doubt. I sent their form and a cca request, together with a £1 cheque to Dryden head office, in Leeds, and I sent a letter denying the debt and a cca request with a po to the correspondence address in Huddersfield. 
 

Sorry for causing confusion. 
 

 

H

 

Hopefully that means I’ve covered the bases well enough.

 

H

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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i hope you didn't fill out their requirement for your in/out?

 

what you should have done.

which is very clear in 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 - Court Procedure and General Guidance - Consumer Action Group

 

i assumed from your other thread you'd read and understood it

 

no matter lets wait and see.

 

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

No!

 

I definitely didn't fill in THAT form.

Anyway, today I got the form I did fill in, (the one with the advised sections as per the link), with the cheque and a note saying it was being returned because it is no longer required.

 

I plan to send another cca request to capquest later on too.

 

H

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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And so it begins......

Had a letter from Dryden this am, saying that they have received my complaint & that they are passing it on to arrow.

Separately I sent the cca request to arrow, in the form of the letter in #2 you referred to.

 

H

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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Had 2 letters today.

1 from Dryden returning my postal order saying that it is no longer required, and 1 from arrow saying that there is no longer a fee required to process a cca request, and that my cca request has been passed to their admin department.

 

is there a timeframe in which they must comply with the cca request?

My memory tells me it is 12 + 2 days, is this true?

 

H

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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12+2 working days, but as you aren't paying anyway now...

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

Hi,

 

Thank you.

My guess is that they will fail, as they have done before, so I guess I can carry on ignoring all correspondence.


H

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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Hi,

 

Well I've heard back and guess what?

They say they are will make every effort to respond within the regulatory timescale, but responding by mail may take 8 weeks, and they've supplied an email address for 'my convenience'!

They say this is because of Covid.

I say tough!

 

Also got 2 letters from drydens saying they've passed it on to their clients.

 

I guess I can go back to ignoring them all again.

 

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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yep.

 

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

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