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    • 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.  

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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.

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      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.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Dubai debt transferred from IDR to J&P


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1 hour ago, dubai 5 0 said:

I got a pre action protocol / letter of claim from JandP almost 2 years ago and was advised do not reply.I didn't, and then a few weeks later got a few more of their normal emails and they then disappeared. IGNORE

for want of clarity...you were not advised to ignore a PAPLOC.

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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Right well that’s lovely, bite back in the bum. 
 

I’ve read through #5 on the link you’ve sent.

I  mean is it recommended to respond?

Also Do I just fill as per the instructions on there, I.e write my full name address etc as they have done 

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1 hour ago, EvaHague said:

I’ve read through #5 on the link you’ve sent.

I  mean is it recommended to respond?

Also Do I just fill as per the instructions on there, I.e write my full name address etc as they have done 

we typically recommend you never ignore a letter of claim.

not sure what your query about address? follow post 5 in the letter of claim link as advised

never run from debt.

dx

 

  • Thanks 1

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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Just fyi it says on page two, if you fail to send this form the client MAY not WILL take action against you. This was same wording as stuff I got from IDR. 
if Dubai 5 0 was advised by lawyer and did that and nothing happened then I think this maybe be just more bolshy scare tactics 🤷🏻‍♀️

fyi I know someone who has been gone 6/7 years and gets letters all the time and has always ignored. I have been receiving letters since 2020 

totally appreciate the advice on here and totally up to you, but my experience so far tells me ignore.

the banks don’t cooperate and/or respond which is why numerous people are in this situation. 
hopefully they’re just trying to get you to confirm it’s you by any means possible 

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Thank you since it’s a letter of claim Il go with that 

This is the issue, I am struggling to get a hold of them😩 

I guess it is one of their tactics of getting you to respond so they know it’s you, but I’ve been getting them since 2020 too originally IDR and now J&P,

I’m unsure if maybe they’ve sped things up super fast because initially out of panic i called IDR when i received my first letter to make payment arrangements,

then read upon this where it was advised they’re just empty threats so I didn’t give in …

Since then they’ve heavily been on my case and J&P located my new address 

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Don’t worry

- I would go through moments of anxiety and panic too but everyone I know of has just ignored.  

We all get the same letters.

They send them in a sequence. 

I panic as we have just got a house and had a baby I wonder if they find that out they will do something, but what will be, will be.  

Letters currently go to my old address which I have access to my mail at. 

the banks don’t cooperate or respond and I have heard of one guy being “got” by dca years ago but he had been corresponding/fighting etc with them.

That is literally it- everyone else seems to ignore and has had no issues.

i think unknown just stresses people out 
 

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I’ve been having the same letters since 2017, the same cycle of letters comes every year.

 I used to panic but please please do not respond to them.

Your money will not go to the bank, you’ll just be lining this company’s pockets.

They’ve found every address I’ve moved to and still my home (Mum’s). Ignore and get on with your life 🤍🤍🤍

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its best 2032 to ask questions on your own thread......

stop panicking about being an asset owner.

there is nothing they can do, esp even more so if you are joint owners.

seems to me you are reading elsewhere with all kinds of rubbish being claimed.

dont forget most of what you read on certain websites are put there by pansy's that were paid to take a fall and publish their 'fake' stories.

i will say to people though as i can see a few doing/posting it here though, it's not a good idea to move and not inform the OC.

you are in danger of a backdoor CCJ.

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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Ok I thought so but just thought I’d check the general thoughts and experiences on that.

i have access so my mail so I wouldn’t not know if that makes sense. 

really appreciate advice though 😊

Regarding the plants and fake stories etc.

 I’ve sensed a few of those on other forums and others threads - defo take stuff with a pinch of salt 😂

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we quite suspect we have a couple here...but we wont let on which ones....

 

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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  • 2 weeks later...

Underp04 (I think it was him) put up the statement IDR used in court from some supposed expert mr edge.

can you find it?

It stated 10 years was the statute barred limit but also that the laws were very confusing.

very much worth digging out!

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no it's not confusing at all.

under the UAE Civil Code, Article 473

Contracts (non-commercial)

it clearly states....

15 years

 

i wouldnt believe ANY of the Mr Edge stuff as far as i could kick it.....

 

 

 

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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not if defended PROPERLY.

the only people that lost..that started threads here...AFAIK are people that REFUSED to post any documents or anything about what they were doing  at a given time/subject in the court process.

it makes one wonder their actual intent in starting a thread and ignoring all our advise..........

:whistle:

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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Sorry I wasn't trying to argue with you I just thought it was a great document to have and I cant find it. He got stung in the end  but was already up against it from the beginning

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  • 2 weeks later...

I have notified my change of address to Dubai by post but not heard back from them, I have lost my proof of sending them a letter - does it matter or should I re send the letter that way I have the proof of postage? 

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no.

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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  • 2 weeks later...

all users....

please keep to your OWN THREADS when asking questions.

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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  • 2 weeks later...

Just hopping on this thread as I'm in the same boat.

For background, I had a claim from Moriarty/ADCB a few years back, followed the advice on this Forum (which I'm eternally grateful for) and the eventually discontinued the claim.

I recently received the same-ish letter.

What did you end up doing @EvaHague?

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Posted (edited)

I received several letters from J&P which were just ignored, but now I've received the same paploc Eve appears to have. As it stands, I'm looking to complete & reply as per the oft-referenced thread #5.


After reading a few comments about ignoring and nothing progressing from J&P side, I'm intrigued whether they were just general 'please contact us type letters' or letters of claim/paplocs? 

I realise for some it's a personal decision or based on advice, but given advice on here is not to ignore paplocs, what was the reasoning to ignore

Edited by gigglemal
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9 minutes ago, gigglemal said:

I received several letters from J&P which were just ignored, but now I've received the same paploc Eve appears to have. As it stands, I'm looking to complete & reply as per the oft-referenced thread #5.


After reading a few comments about ignoring and nothing progressing from J&P side, I'm intrigued whether they were just general 'please contact us type letters' or letters of claim/paplocs? 

I realise for some it's a personal decision or based on advice, but given advice on here is not to ignore paplocs, what was the reasoning to ignore

I was advised to ignore the paploc by a solicitors who said it was a fishing excercise and to answer them would be removing a big weapon in defeating that of time and demanding information within certain limits. im no lawyer so dont know if that makes sense or does not.

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