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    • Thank you very much for your letter in regard to the above mentioned shipment.  Due to the high volume of parcels coursing through the courier network each day, undergoing continuous processing and handling, certain packages may experience delays or even can get lost in the course of this journey. Please note that due to the time that has passed, this shipment has been declared as lost.  I have today processed the claim and made offers to the value of £75 as a goodwill gesture without prejudice. I do acknowledge that you have mentioned in your letter that the value was higher, however, you did not take out any protection to that amount. The protection for this shipment was £20 and we will not be increasing our goodwill offer any further.    Please log into your account online in order to accept our offer. Once accepted, our accounts department will process the claim accordingly. The claim payment will be processed and received within 7 working days.                                  In addition, a refund of the carriage fee will be processed as a separate payment and will be received within 3 working days.  If I can further assist, please feel free to contact me.   I have also just noticed that yesterday afternoon they sent me an email stating that "after my request" they have refunded the cost of shipping. I did not request the refund so will mention that in my letter as well.
    • Hi I had to leave Dubai back in 2011, during the financial crisis. And only now have I received a letter from IDRWW. Is this anything to worry about about as I have 2 years left until it’s been 15 years(statute barred in Dubai). Worried as just got a mortgage 2 years ago. Could they force me in to bankruptcy? Red lots of different threads on here. And unsure what true and what isn’t. 
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    • Often with the Likes of Lowells/ Overdales that 'proof' doesn't stand up to scrutiny.   Think about it like a game of poker, they want to intimidate you into folding and giving up as soon as possible, and just get you to pay up and roll over, that is their business model, make you think your cards are rubbish. What they don't expect, and their business isn't set up for it, is for a defendant to find this place and to learn that they have an amazing set of cards to play. Overdales don't have an infinite number of lawyers, paralegals etc, and the time / money to spend on expensive court cases, that they are highly likely to lose, hence how hard they will try to get you to roll over.  Even to the extent of faking documents, which they need to do because the debts that they purchased were so cheap, in the first place. Nevertheless it works in most cases, most people chicken out, when they are so close to winning, and a holding defence is like slowly showing Overdales your first card, and a marker of intention that this could get tricky for them. In fact it may be,  although by no means guaranteed that it won't even go any further than that.  Even if it does, what they send you back will almost certainly have more holes than Swiss Cheese, and if with the help you receive here, you can identify those weaknesses and get the whole thing tossed in the bin.
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good evening all just a update from were I am

2nd letter from cabot for the 2 cca sent on 8/9/23 (MBNA) , received the 2nd letter today dated 1sep for the 2 accounts, they are still trying to get the info from MBNA , looks like they cant find them

 

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now raiding the filing cabinets and doing some copy n paste and then claim a reconstructed agreement is aok and they are the masters... NOT!!

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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a debt buyers name replaces that of the oc as its been sold

plenty of cabot threads here get reading up.

dx

 

 

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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  • 3 months later...
4 minutes ago, razorc said:

evening dx100 

am trying to post on my thread but theres no button for me to do it , any ideas

 

The thread may have locked itself. I've just posted on it, so you could try again. Are these two separate queries you've just posted about, or the same one please?

HB

 

Illegitimi non carborundum

 

 

 

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you can delete them , so i can report into my post , if thats ok

good evening all

wondering if somebody can check cca received from cabot after sending them cca request , they sent letter couple months ago saying they couldnt find it , but received this today

is it ok pdf format

many thanks

heres the cca they have sent , blacked out my details 

many thanks

 

Cabot MBNA CCA return.pdf

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On 07/09/2023 at 20:39, dx100uk said:

now raiding the filing cabinets and doing some copy n paste and then claim a reconstructed agreement is aok and they are the masters... NOT!!

good guess 3mts ago.

its interesting how they say that it might or might not be a recon (must state which IMHO) but eitherway it enforceable they claim.

not on MBNA letterhead or any MBNA numbers or markings around the margins - and i think thats why its faked 

have a look around at other 2021 MBNA CCA return PDF's.

pers i think thats a real one but one they've inserted your name and address for the correct time of take out? cause that looks SOOO..easy to do 

and theres no sep T&C sheets?

threads merged 

dx

 

 

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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  • 3 weeks later...
Posted (edited)

afternoon again , 

so having a look at the cca they sent , looks ok and as you say dx100uk could be just made up , 

whats my options , am i better setting up payment arrangment with them 

many thanks

Edited by razorc
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why?
they have zero legal powers 

IMHO its a faked one.

have you checked other PDF uploads as advised

 

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 dx100 , just because the produced a cca  I would need to agreement a payment plan with them

yeh having a browse again for them

 

 

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section B missing too

Your agreement with us is made up of both Part A (Credit Card Agreement) and Part B
(Additional important terms). You should read both parts carefully.

so its not a compliant CCA return anyway

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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  • 3 months later...

open

dx

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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Evening all

looking for bit of advice again ,

currently doing my own debt management ,

think may have got up wrong on 1 of the creditors (creation loan)

had got sold to Intrum around nov 23 and havent paid anything to it since then ,

it never went to default

( I thought it did  , now checking credit file , intrum is there and says 1 missed payment and doesnt say account defaulted

can i let that go and intrum will default it?

hope that makes sense what i have said

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without scrolling back.

have you moved since you took the loan out?

 

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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Posted (edited)

hello dx100

 

 no havent moved ,still at same address

I was paying creation a lower agreed payment of £30 for 6months then left it thinking it defaulted , then got letter from intrum as owner of the debt

Edited by razorc
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good await see if they do anything

dx

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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