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    • Thanks Andy,  Just need guidance on which boxes (i.e am I disputing the debt, if so why) etc.  Also, do we still need to pay £1 for the copy of the CCA, or can I request it as part of sending in the reply form? Cheers
    • @HP Mum - you've been here a long time and you have certainly been here long enough to know that we regularly ask people to avoid posting solid blocks of text because it makes it very difficult for the site team to engage and also other people who might be interested in what you have to say or maybe even give advice themselves. It's especially difficult using small screens such as telephones and telephone screens are more and more commonly used nowadays. When solid blocks of text are posted by new people, we figure they don't know any better and so we go in and edit the block and introduce proper spacing and punctuation and asked them to avoid doing in future. However you are a seasoned Cagger Your solid block of text is very long and to add to the difficulty, you have used the smaller font. I'm going to remove your post and if you want to post again then please would you bear in mind the interests of the people who are reading and who want to help you. Thank you
    • USe ours not theirs. https://www.consumeractiongroup.co.uk/topic/406231-the-pre-action-protocol-for-debt-claims-is-made-by-the-master-of-the-rolls-as-head-of-civil-justice-1st-oct-2017/#comment-5145126   Andy
    • A little thinking out of the box here by Lowell....   (2B)The duty imposed on the creditor by subsection (1) may be discharged by another person acting on the creditor's behalf.] (3)Subsection (1) does not apply to— (a)an agreement under which no sum is, or will or may become, payable by the debtor, or (b)a request made less than one month after a previous request under that subsection relating to the same agreement was complied with.   So in layman's terms they say that they are not at liberty to comply with sec77 because the agreement has ended and that nothing is due from yourself. Happy days so no chance of this debt ever seeing the inside of a court room.   Andy
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      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.
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        • Like

Cabot/Mortimer - old Lloyds Credit Card debt


Tangliss

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no hold on that please

await and see if mortimer send a letter of claim FIRST.

dont go with a kneejerk reaction wetting yourself over a silly threat-o-gram,

all you do is invite pointless letter tennis showing you are scared of a powerless DCA or their dogs.

a DCA is NOT A BAILIFF

and have 

ZERO legal powers on ANY debt, no matter what it's type.

shame they scammed you into paying in 2017....:whistle:

retitled and moved to Lloyds forum.

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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hit letter of claim

follow post 2 if they DO

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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Share on other sites

please dont put up docx file they hold all your pers details in file/info/properties

now a pdf after proper redaction not pen squiggle.

next time read our upload guide

On 14/04/2024 at 12:19, dx100uk said:

await and see if mortimer send a letter of claim FIRST.

 

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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Share on other sites

just type no need to keep hitting quote

there was no reply pack asking questions nor wanting Income & expenditure, so can't be a letter of claim.

there are no serious 'court sanctions' at all should a defendant/claimant ignore a letter of claim, total poppy cockle!!

very much the reverse, should a claimant NOT send a letter of claim before they raise a court claim, it's a very good browny point for a defendant !!

stop worrying....i wish certain members would stop posting unnecessary personal speculation on threads... doesnt help anyone.

if you DONT KNOW - DONT POST!!

its a 2005 card anyway pre the revisions, sao cant use a recon and i'd expect a CCA request to fail. 

this is cabot!! 99% of their debt portfolios are always unenforceable.

just the mugs keep being ignorant cash cows is the only way they recently stayed in business.

  • 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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Share on other sites

cant keep saying you should block and bounce on IGNORE any email.....

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... 

Link to post
Share on other sites

email MUST ALWAYS be totally ignored.

writing only

  • 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... 

Link to post
Share on other sites

  • 2 weeks later...
2 hours ago, Tangliss said:

What does a letter before action look like?

erm..go look?

CAG is self help and their are 100's of PAPLOC or LOC or letter of claim pdf's here 

use our enhanced google searchbox.

 

  • 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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Share on other sites

2 hours ago, Tangliss said:

“you will need to act now or we will apply for a County Court Judgment”.

there you go again.

read the letter PROPERLY 

it DOES NOT SAY WILL.

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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  • 1 month later...

there isn't one use that default

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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Share on other sites

read the guide carefully 

its all there

CAG is 99% self help.

 

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... 

Link to post
Share on other sites

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