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    • OH has received another call from Kindertons requesting a signature. He once again requested in writing that he was not liable for any costs as he has been told from the beginning. The woman insisted he would not. He asked her hypothetically what if Kindertons take the other party to court assuming they won't pay the hire charges, who would then be liable for the court fees and hire charges would it be him? The woman who apparently sounded like she was reading from a card replied not him. An email has now been received from Kindertons. I would be grateful for advice on this matter bearing in mind no forms have been signed. Good Morning Please keep this email as confirmation that no costs will be charged to yourself for the cost of the Hire. Whilst you are liable for the hire charges Kindertons indemnifies these losses. The third party insurer will pay the hire charges and if for any reason the charges are not paid Kindertons will not pursue you for payment of these charges. The only exception is if you knowingly and wilfully mislead us or actively fail to cooperate with our attempts to recover the hire charges from the third party insurer. If you would look to sign the outstanding Hire agreement it would be gratefully received. Many thanks
    • Yes Andy. It arrived last week but I was away for a few days. I moved house in the middle of last year as well so some post is redirected which can delay things by a couple of days. I have informed the courts of my new address
    • Good morning. OH was offered treatment for back pain via a solicitor which he accepted. This has been ongoing for several weeks. He originally told Kindertons he did not need a vehicle from them as he'd driven his vehicle home from the accident and continued to drive it to work for a week but the woman insisted it would be free and more importantly would speed up the claim process. He told her due to his work he only need a small vehicle but a brand new top of the range large vehicle was delivered. His vehicle was written off and an offer made. He had the vehicle repaired himself. There was no loss of income as he continued to work while fitting in medical treatment. On three separate calls he asked if the vehicle was free and was told yes they just need a signature to chase the other party for the cost. He informed her in more than one call he doesn't use the internet so cannot sign electronic forms. 
    • Hello Andyorch   Would you be able to point me in the right direction with regards to the defence structure for this type if claim. I have looked for similar cases but not finding much whrn searching. I believe that my defence is due by 18th March, so I have time to work on this. Thanks 1Penny    
    • Mmm sometimes little chats can be invaluable to give a flavour of the strength of the claimants case as above  Strange thing to raise    How did you pay for the postage ?  Andy
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JCI/Bw Lettter Of Claim - old EE mobile debt


2021Oops
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Am I right to assume this is important, not just a scareogram?, same as a letter before action?. Annoyed as they've not written once, have had emails from EE and other companies but I genuinely had a phishing email from EE today so for obvious reasons take no notice.

Amount is about £750, seems high considering I defaulted on £240 but then I know they can charge the remainder of the contract.

They did offer £200 off in an email im now seeing a couple of months back at £20 a month which is affordable and it also says in this letter they may consider previous offers still.

I'm in a situation where im now trying to deal with what were mostly Covid defaults in order of priority and at as low a cost as possible, I did default several accounts in a short period and am hoping some might time out. Situation is a bit better than even 12 months ago and would really like to come out of this without ccj's

Is there anything I can do here?, it definitely doesn't just look like a normal letter, ive had millions.

 

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  • dx100uk changed the title to JCI/Bw Lettter Of Claim - old EE mobile debt

are you indicating the letter of claim was an email attachment?

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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we know what one looks like

ok just hit letter of claim

and follow post 4 there.

as long as all these dca/debt owners have your correct and current address ...i'e you've not moved since taking whatever out an it being sold to a dca you are ok and protected from backdoor ccj's

 

dx

 

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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I have moved, I'm a month from the end of my Royal Mail address forwarding. I guess I need to let them know along with other creditors.

Actually can I ask, how would I inform a creditor ive moved address without admitting to a debt?, I think I have about 5 now all with Lowell as well as a couple of others. I was thinking of just writing with my previous address and literally asking them to update it.

 

This protocol lines up with what was in the envelope. I honestly think the amount is about right but if I can get them to accept the reduced offer from June and repay at £20 a month I'd be all too happy to do so in order to just nip it in the bud. Maybe then in a few months I could make a final offer or something then?

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Yes it is  as simple as writing to them and informing them of your new address.

Dear Bill & Ben.

Please update your records with my new address.

Regards.

 

Royal Mail will have told them anyway as they do when anyone 'forwards' their mail.

But belts and braces where DCA's are involved, peace of mind for the cost of a second class stamp and free proof of posting.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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dont forget to inc some form of ref number and state what type the original credit was and who the OC was and their a/c numer

writing to anyone is NOT admittance of a debt.!!

its only that if you speifically state i agree i owe you and sign the letter!

you should always be reading around not go into isolation an stick to your own thread CAG is self help too.

court letters/claims ARE NOT REDIRECTED. they state on the envelope do not redirect

so for more than a year now you've been lucky not to get a backdoor CCJ...simply because you did not self help.

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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16 hours ago, 2021Oops said:

Am I right to assume this is important, not just a scareogram?, same as a letter before action?.

Minor clarification: what is often called a "letter before action"/"LBA" on online forums isn't officially called that in the pre-action protocols. The PAPs call it a "Letter of Claim" and that's what people have usually received when they say they had a LBA. You haven't posted up what you've received but, yes, I imagine it is the same thing.

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1 hour ago, Bazooka Boo said:

Royal Mail will have told them anyway as they do when anyone 'forwards' their mail.

If you buy the Royal Mail Redirection service they don't tell anyone that they are forwarding your mail, or where to. They just forward it, the sender won't know it's been forwarded.

Unless it's one of the categories of letter that can't be forwarded, like court papers, benefits letters from DWP, etc, then RM return it to sender.

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Boo + Dx, thanks

Yes I will try and have a read around.

As far as the redirection thing my other claim from Aqua was redirected. Maybe that was my local office making a mistake?

Ethel its headed specifically Letter Of Claim but yes I knew from before they were required to send a letter before action.

 

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23 minutes ago, 2021Oops said:

As far as the redirection thing my other claim from Aqua was redirected. Maybe that was my local office making a mistake?

Possibly. The decision that a letter can't be redirected is made at the local delivery office when a letter arrives there addressed to your old address. So thousands of RM  staff across the country will be involved in deciding whether something's a non-forwardable item. So not surprising if sometimes mistakes are made.

RM's T&C for redirection don't give a list of items they can't forward and give only benefits post as an example.

" There are laws that prevent us from redirecting certain items. There are also laws that require us to return certain items to the sender and we may need to inform the authorities of this (for example, mail from government departments related to benefits)."

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Interesting, the redirection address is my dads and he's lived there for 50 years and I lived there for 28 years + know most of the managers in the sorting + post office fairly well on a customer basis so maybe they have some discretion?

Edited by 2021Oops
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yes quite likely

i think if you look on court envelopes it states right by the address window important court docs enclosed. do not redirect.

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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