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    • Thank you Please explain your words "The optics would not be good". I'm very stressed and not thinking right, sorry.  T&C are here:  Attention Required! | Cloudflare WWW.CURRYS.CO.UK   Each instore trade-in gift card says to use it to buy sepecfic product and that you can't use it towards airtime, certain phones or accessories but it also works on anything else.    Here example of voucher  currys voucher.pdf
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    • To answer the question whether Currys has a case against you, someone will need to analyse the detailed terms of the offer, anything you signed etc.    This is not the shoplifting type of case that RLP pursues. If anything, Currys will pursue you, but I can't see this happening. You took advantage of a weakness in Currys' design of the particular promotion. The optics would not be good.    I have the impression that your friend's gift card details may have been used fraudulently. Perhaps he should investigate it further with Currys. I am not sure he is right if his attitude is that you just don't argue any more. 
    • Morning DX,   Crashed out last night!   I shall submit the following defence today and have added point number 6 as you advised regarding the year until which I was in deferment and never earning more than the threshold.     The Defendant contends that the Particulars of Claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.   1. Paragraph 1 & 2 are noted the Defendant has in the past had financial dealings with the original creditor - The Student Loans Company. I am unable to recall the precise details of the alleged agreement or debt nor do I recognise the agreement numbers the claimant refers to. The Defendant has sought verification from the Claimant by way of a section 77 request which as to this date has failed to comply and remains in default.   2. Paragraph 3 & 4 are denied. I am not aware of any service of a Default Notice pursuant to section 87 of the consumer credit Act 1974 by the claimant nor the original creditor, nor of any legal assignment pursuant to the Law and Property Act 1925 section 136 (1).   3. It is not accepted with regards to the Defendant owing any monies to the Claimant and the Claimant is put to strict proof to:   a) show how the Defendant has entered into an agreement; and   b) show how the Defendant’s alleged debt has reached the amount claimed for; and   c) show the nature of breach and service of a Default Notice and subsequent Notice of Sums in Arrears in accordance with the Consumer Credit Act 1974; and   d) show how the Claimant has the legal right, either under statute or equity to issue a claim.   4. As per Civil Procedure Rule 16.5 (4) it is expected that the Claimant proves the allegation that the money is owed.   5. On the alternative, as the Claimant claims to be an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of section 136 of the Law of Property Act and section 82A of the Consumer Credit Act 1974.   6.  The defendant was in continued deferment until 2020 and has never earned over the threshold.   7. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief
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PCO CARE HIRE. Missed payment.

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Hi guys,


I rent a pco car so I can work with apps such as Uber and Ola or Bolt.


I had covid and few other issues where I could not work, one lady was nice enough to agree to take extra £25 per week until one weeks rent was paid off.

the arrears or missed payment was one week. £275.


By today they have taken £75. so £200 remains.


This weeks rent I could not pay as once again I had issues.


I wrote to them 3 times last week stating this weeks payment could be an issue and if they willing to add this weeks payment to the arrangement And to increase the weekly payment to £325 or £50 more. £25 for first and £25 for the second missed payment.


I owe them for this week £275. They took £100 today and I agreed to pay £175 + regular payment on Monday.


Instead of trying to understand. The vampire responded back by saying I have to return the car, I have not kept my arrangement and now to retain the car I have to pay All my arrears by Monday.


She responded back by saying I have to pay the previous arrangement of £200 + this weeks £175 + the regular payment of £275.


I reminded her as I am paying the £25 and that agreement is not in question that stands as it is.


I have agreed to pay part payment for this week today and rest on Monday.


why is she demanding that I have to clear everything?


Do I have a legal standing?

How or what can I do apart from clearing all arrears which I cant afford and keep the car.


The way I have see it is arranged payment is in place and valid.

This week payment has been partly paid and rest paid next week along with regular payment.


what is the issue?


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Do you have any of what was agreed in writing? The information you linked us to isn't that detailed but I did spot this on page 2.


'Missed Payments: At PCO Rentals we have a zero tolerance approach to missed payments. If you default on payment for two weeks your vehicle will be recalled and you will be charged recovery costs.'



Illegitimi non carborundum




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I am sorry i am not sure what you are asking.


one weeks missed payment is arranged payment.

they charge extra £25 payment per week until its paid of. £200 left.

this weeks payment i have made £100 of £275.

£175 will be paid on monday.


All communication is via email.

i almost called them.

then realised i might need evidence.


all i am saying is,

can i use some words or sentence so they dont take the car back.

as they wanting me to pay the £200 also.

£200 is in arrangement.

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extremely expensive way of having a car, you will never win.


we need a full copy of the contract you signed and their T&C's.


i very much doubt this is covered by consumer credit act.

so little you can do.






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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Lets see what they say on monday.


As the arrears or missed payment is being paid via an agreement that is intact. so they cant moan about that.

current weeks payment has been paid partially. £100 and i will pay £175 on monday.


if this dose not satisfy them and they want the car back then they can give me a notice period like i need to give them a notice period.


£275 covers everything from insurance to breakdown etc. and it is a 2019 model. i had no choice at that time.


they are using scare tactics i think as one of the CC emails was accidentally sent to me "well done, lets hope this works"




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full agreement + T&C's please

and all these emails in/out.


need the evidence, 




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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once the £175 is paid i am sure they will calm down. they scared me.


one thing is i need to give them 6 weeks notice to return the car, can they recall it at any time?



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