Jump to content


  • Tweets

  • Posts

    • Yes, you should have applied for an immediate strike out as soon as the deadline expired. Without the agreement, they are stuffed Forget Barclaycard, Asset link is now the creditor, and it is down to them to provide the agreement.  That needs to go into the witness statement. They have not provided the agreement contrary to directions of the court and request the court strike out the claim as to the original court directions.
    • I did not receive a notice via post but in my claim status it shows my claim was transferred to a court I requested in my DQ, as it is closer to me.    Defense I filed:  1.       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. 2.       The defendant paid the lead tenant a fixed sum monthly bill without fail for the extent of the rental period of the accommodation their contract was associated with who was responsible to make payments to the claimant, ending in June 2023. 3.       After moving out, a month later, the claimant wrote to state that an outstanding sum existed. Further stating, as one of the 10 tenants at the time, I now owed them the full sum instead of my 1/10 proportion of said debt, as 10 students were at the dwelling. They also intimated that they were legally allowed to charge me the full sum if the other renters were not to pay their share under some equal and joint severity rule. 4.       Despite sending numerous requests prior to the court claim being raised for copies of said bills for said utilities covered by the agreement, the claimant failed to send any clear bills. This included a CPR 31.14 on xx/xx/xxxx sent via post. 5.       The defendants stress that they acted in good faith to settle the outstanding balance, as evidenced by the confirmation received from the claimant.  Any subsequent demands for additional payments are unwarranted and contradict the claimant's previous acknowledgment of settlement. 6.       Pursuant to OFGEM code of back billing rules the alleged charges relate to charges which have not been billed correctly by Co-operative Energy and are therefore prevented from charging. With the court’s permission the Claimant is put to strict proof to: - a) show and disclose how the Defendant has entered into an agreement. b) show and disclose how the Claimant has reached the amount claimed. c) show how the Claimant has the legal right, either under statute or equity to issue a claim. 7.As per Civil Procedure Rule 16.5 (4) it is expected that the Claimant prove the allegation                  that the money is owed. 8.It is therefore denied that the defendant is indebted to the claimant as alleged or at all.
    • Paint is a free programme on any Windows PC. But don't worry, the choice here is not either perfection or nothing. As you say, use your scanner, save the file ... and then use the "choose files" option when you post to CAG to add the file. We can do all the redacting and converting to the correct file type at this end.  The important thing is just to get the info to us. Why not do an experiment this afternoon and see if the above works?  
    • I see they're trying to round up asylum seekers and lock them up for about three months so they can be put on planes to Rwanda. I'm a bit surprised that this is legal.  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
        • Like
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Fredricksons Debt Collectors Advice. Is it illegal to not give them address details??


powerful_rogue
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6319 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi,

 

Just looking for some advice.

 

Received a letter from the above debt collectors at my parents address. It appears they have been instructed to recover a £300 debt from Nationwide.

 

I though this account was closed a long time ago, but appears not. Contacted Nationwide asking for statements so I can see what its all about.

 

In the process of getting free statements to see whats going on, but was told on phone its made up mostly of charges!

 

Phoned Fredricksons debt collectors to advise them this was in dispute. They were very rude and abrupt when I told them I was not going to give them my new address. I told them to contact Nationwide who gave them the debt to get it. (I gave nationwide my new address on the phone).

 

The lady from the debt collectors said "Its illegal not to provide your details to a debt collection agency" Once again I said get them from Nationwide. I dont want to give them to you as the debt is currently in dispute.

 

She said "I will mark up that you a re refusing you give your correct details. Goodbye" and then she hung up!

 

Is this correct? Its illegal not to give your details to a debt collection agency? Im guessing its just scaremongering tactics.

Link to post
Share on other sites

Well you've told the legal owner of the debt of your change of address.

 

DCA's are just used to getting their own ways in demanding information and misinforming people of their rights.

 

Send them the no-telephone contact letter as well as a CCA request.

23/05/06 DPA Sent to Halifax

I Love You All :D

Link to post
Share on other sites

Well you've told the legal owner of the debt of your change of address.

 

DCA's are just used to getting their own ways in demanding information and misinforming people of their rights.

 

Send them the no-telephone contact letter as well as a CCA request.

 

 

Thanks for your reply.

 

Just back on the phone to Nationwide to advise of the behavior of the debt collection agency. He's not happy about it at all and is now speaking with the liason department. :)

 

There was no way I was giving my address to a debt collection agency I know nothing about and when the debt was in dispute.

 

Just wanted to check whether it was correct when she said "Its illeagl not to give a debt collection agency your address".

Link to post
Share on other sites

Just wanted to check whether it was correct when she said "Its illeagl not to give a debt collection agency your address".

 

It's more illegal for a debt collection agency to tell you it's illegal !

 

Rest assured, it's total hogwash ! you don't legally have to tell them anything at all :D

Nil Illigitimus Carborundum

Link to post
Share on other sites

Don't know why they are making such a fuss. All they have to do is sarch

your credit file and get it from there.

 

Ideally you should have sent an sar to NW to get all your info, not just statements, if you wish to reclaim the charges.[see FAQS on the forum first page]. If NW are still the creditor, there is no point in sending a CCA request to the DCA as it only needs to be answered by the owner of the debt.

 

Once you send off your letter to NW asking for your money back can you really claim that you are in dispute with them, and if you write to the DCA

then, should they phone or write to you asking for paymeint, or threatening

you, they commit an offence.

Link to post
Share on other sites

  • 3 weeks later...

Hi,

 

I have sent my letter off to Nationwide to claim back my charges, however received a letter from the DCA stating ive got 7 days to pay or its off to court!

 

I phoned them up and explained the account was in dispute and im currently dealing with Nationwide.

 

They said they would mark it in dispute for one week and that I need to send them all letters I receive from Nationwide!

I tild them I was not going to do that as im dealing with Nationwide and nationwide only. If they want any further information then to contact Nationwide.

 

The DCA stated that they are the legal owner of the debt, funny how Nationwide said that they are the owner!

 

The DCA started asking "Are you married?" "Are you a homeowner?" - told him it was none of his buisness!

 

Anyway, the converstaion kept going round in circles, so I told him I had made my position clear and terminated the call.

 

Do I really have to keep the DCA updated and send them all letters? I thought they would have got all this info from Nationwide?

 

If this is not the case, is there a letter I can send them stating its in dispute and I want no contact until its resolved?

 

Where do I stand legally?

 

Thanks in advance.

Link to post
Share on other sites

If Nationwide claim to be the owners of the debt, deal with them only.

 

Tell the DCA to take a running jump, but do it as rudely, and agressively, as you possibly can. Then send them a bill for your time spent sorting out their mess, at £9.50 an hour. When they don't pay up, find the names of the directors on the Companies House website, and take them to court, etc, etc, etc....... :D

Nil Illigitimus Carborundum

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...