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    • Morning dx and thank you for your message.   With regards to your comment about them not needing to produce the deed, the additional directions ordered by the judge included 'a copy of any assignment o the debt or agreement relied upon'  so that is why I thought that point was relevant?
    • Sorry for the long post but I don't want to miss out any relevant information: My wife bought a car from Trade Centre UK and have been having nothing but trouble with it. Unfortunately we paid of the finance used to buy the car as we weren't expecting this much trouble with the car as we we though we would have protection as buying from a dealer. We are wondering if we can still reject the vehicle since the finance plan has been paid off. Timeline is as follows: 13/12/2023 -15/12/2023 Bought car from Trade Centre UK for £10548 £2000 deposit paid on credit card on 13/12/2023 £8548 on finance from Moneybarn (arranged through Trade Centre UK). picked up car on 15/12/2023 Also bought lifetime warranty for £50/month 25/12/2023 Engine Management Light comes on. The AA called out and diagnosed the following error codes: P0133 - Lambda sensor (bank 1, sensor 1) Oxygen Sensor. Error Message : Slow reaction. Error sporadic P0135 - Lambda sensor heat. circ.(bank1,sensor1) Oxygen Sensor. Error Message : Component defective Due to it being Christmas took a few days to get through to them but they booked me in for 28/12/2023 to run their own diagnostics. 28/12/2023 Took car in to Trade Centre so could check the car – They agreed it was the Oxygen Sensor and Booked me in for repair on 30/01/2024. I was told they had no earlier slots, and I would be fine to carry on driving car when I said I was afraid of problem worse. During diagnosing the problem, they reset the Engine Management Light. During drive home light comes back on. 29/12/2023 - 29/01/2024 I carry on driving the car but closer to the date, engine goes to reduced power every now and again – not being a mechanic I presumed that this was due to above fault. 20/01/2024 Not expecting any more problems paid off the finance on the car using personal loan from bank with lower interest rate. 30/01/2024 Trade Centre replace to O2 sensor (They also take it on a roughly 60mile road trip which seems a bit excessive to me – I can’t prove this as something prompted me take a picture of milage when I handed car in but I forgot take one on collection – only remembered next day.) 06/02/2024 Engine goes in reduced power mode again and engine management light comes on – Thinking the Trade centre’s 28 day warranty period was over I booked the car the into local garage for the next day to get problem fixed under the lifetime warranty package. Fault seems to clear after engine was switched off. 07/02/2024 In the Morning, I take it to local garage who say as the light gone off – the warranty company is unlikely to cover the cost of the repair or diagnostics and recommend I contact them when the light comes back on. In the evening the light comes back on and luckily I manage to get it back to the garage just before it shuts for the day. 08/02/2024 The Garage sends me a diagnostics video showing a lot error codes been picked up by their diagnostics machine including codes for Oxygen sensor and Nox Sensors, Accelerator pedal and several more. Video also shows EGR Hose not connected to the intake manifold properly, they believed this was confusing the onboard system as it is unlikely this many sensors would trigger at same the time but they couldn’t be certain until they repaired the hose. 13/02/2024 Finally get the car back as it took a while to get approval and payment for the repairs from the Warranty company. Garage told me to keep an eye the car as errors had cleared with the hose but couldn’t 100% certain that’s what caused the problem. 06/03/2024 Engine management light comes on again. Fed up I go into Trade Centre as I was just around the corner when it happened and asked them how to reject the car or have the problem fixed. They insist that as it’s over 28 days I need to get the car fixed under the warranty package I purchased and they could no longer fix the car as it was over 28 days. When I tried telling them it appeared to be the same or related problem they said they couldn’t help as I hadn’t contacted them earlier. I asked them if they were willing to connect the car to the diagnostics machine and tell me what the problem was, as a goodwill gesture, which he agreed to do and took the car to the back He came back around 30 minutes later and said they took a look at the sensor they replaced previously and there was nothing wrong with it and engine management light went off when they removed the sensor to check it. When I asked what the error code he couldn’t give me an exact fault but the said it one of the problems I told him earlier (Accelerator pedal). I have this visit audio recorded on my phone – I informed the reps I was recording several times. As the light wasn’t on, local garage couldn’t book me for a repair under warranty. 07/03/2024 Light came on so managed to book back into local garage for the 12/03/2024 Whilst waiting to take car into garage, I borrowed a OBD sensor and scanned for errors on the car. This showed the following errors: P11BE – Manufacturer specific code (Google showed this to be NOX sensor) P0133 - Oxygen (Lambda) Sensor B1 S1: Response too Slow 12/03/2024 Took car to local garage and the confirmed the above errors. This leads me to believe that either Trade Centre UK reps lied and just reset the light or just didn’t check properly (Obviously I am unable to prove this) 22/03/2024 Finally got the car back as according to garage, the warranty company took a long to time to pay for the repairs 28/04/2024 Engine management Light has come back on. Using the borrowed OBD scanner I am getting the following codes: P0133 - Oxygen (Lambda) Sensor B1 S1: Response too Slow P2138 - Accelerator Position Sensors (G79) / (G185): Implausible Correlation I have not yet booked into a garage as I wanted to see what my rights are in terms of rejecting the car as to me the faults seem related. I can’t keep using taxi or train to get to work every time the car goes into the garage as it is getting very expensive. Am I right in thinking that they have used up their chance to repair when they conducted the repair end of January or when they refused to repair it in February ? If I am still able to reject the vehicle could you point to any sample letters or emails I can use. Thankyou for your advice on my next steps.
    • Ok noted about the screenshot uploads. In terms of screwing up I had one previous ticket that defaulted and ended up in a CCJ from Southend airport because for some reason during COVID I didn't receive their claim form just a notice of default. This hospital ticket was the 2nd ticket that went to CCJ due to a lack of knowledge of the process. Maybe it's easier just to pay them in future I'm thinking though, I don't get them very often anyway
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      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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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Brooksdad v Woolwich


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If Barclays had used this to reduce the debt then by now you would only owe £2000. What happened to the cheque for £3000?

 

Exactly, sorry Hughes I think I have only confused the basic issue with my previous posts, thanks Michael

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tbern123 vs Cabot

  1. Cabot again !!! Urgent Help Needed
  2. Litigation - tbern123 V Cabot Financial (Uk) Limited
  3. No more calls from Cabot... lol

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So all the successful claims (totalling £19,568,182) against Unfair charges ALL the original debts created by those charges are still owed back to the banking institutions (or DCAs) by those successful claimants????

 

Woa!!

 

The whole thing, then, is a useless exercise!!

 

I wish for further clarification.

 

:mad:

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No

 

Some of the people that have reclaimed charges, don't also also a debt to the Original Creditor or a DCA.

 

The whole point of reclaiming charges, is to get a refund of the charges that you should not have paid. If you still owe £5,000 (£3,000) of which is charges, you are asking for a refund of something you did not pay in the first place.

 

However, you do have a number of options, you can spend the refund and dispute the debt, use the refund to reach a reduced settlement of pay the full refund towards the debt and reduce it by the amount of the refund

 

In relation to Woolwich, until May/ June last year as matter of routine they would send customers cheques in relation to charge refund requests. However, before the announcment of the test case they stopped this and started to recall accounts from DCA's applying the refund to the debt then refunding the customer any surplus amount

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tbern123 vs Cabot

  1. Cabot again !!! Urgent Help Needed
  2. Litigation - tbern123 V Cabot Financial (Uk) Limited
  3. No more calls from Cabot... lol

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I held cheque in my posession - unsure of my intentions of course of action - I eventually rang Baclays Litigation (who made the Settlement) after some time - I think some months - they said the cheque was still 'live' and to deposit it. This I did - it is still in a Savings a/c with my NEW bank.

 

I would HATE to give it to a DCA to help reduce original debt!

 

:mad:

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Without ducking the issue, it is down to you if you pay a DCA or not.. Personally, going by the way they treat people I wouldn't....

 

However, you have to take a lot of factors into account.

 

1) The Amount of the Debt

2) Can it be disputed

3) Do you own your own home (possible charging order)

4) Possible CCJ

 

You could make a offer a partial settlement in relation to the debt say 10p in the pound in full and final settlement.

 

So if you owe £5,000 offer them £500, they can only say yes or no, at least that way, the debt will be fully repaid you can spend the rest of the money on anything you like and when your second claim pays out you are totally free to do whatever you want

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tbern123 vs Cabot

  1. Cabot again !!! Urgent Help Needed
  2. Litigation - tbern123 V Cabot Financial (Uk) Limited
  3. No more calls from Cabot... lol

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I requested Barclays NOT to send me Cheque payment last Jun (07) at Part Settlement stage but to reduce account debt by the amount agreed.

 

Last June you were perfectly happy for Barclays to use the part refund to reduce the debt, ie you would not have had use of it nor put it in asavings account, but you would have only owed £2000

 

I would HATE to give it to a DCA to help reduce original debt!

 

Now you don't want to part with it, yet seem to be outraged they still want £5000.
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So I say again - this whole exercise is worth NOTHING!

 

To answer your Post the amount of debt is over £5000 made up of Unfair charges (refund inc interest £2890) - I stopped funding the A/c and started my initial claim against those charges because every credit made to account (inc benefits to help us live) were swallowed up in charges leaving us absolutely penniless.

 

What has owning my own home got to do with it?

 

CCJ - by whom - DCAs?? - THAT'S ENCOURAGING!!

 

Offer of settlements have been made by DCAs recently. I reported this here and was advised on this Thread to ignore and send Recorded Delivery letters (which I did) re 'INDUCEMENTS TO SETTLE' Threats! See earlier Posts on this thread.

 

Does the 'HOLD' on reclaiming unfair bank charges not apply to DCAs?

 

I URGENTLY require further clarification!

 

I thought this site helpful in past days!

 

I FIND THIS SO DISCOURAGING.

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It's NOT that I don't want to part with it - I have it in Sav A/c - but am reluctant to give it to any of six Dcas.

 

Are you seriously suggesting I do?

 

Even to reduce original debt (Unfair charges)?

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NEW CLAIMANTS PLEASE FIRST READ FREQUENTLY ASKED QUESTIONS AND FORUM RULES

 

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What has owning my own home got to do with it?

 

If you own your own home you have more to potentially lose then someone that doesn't.

 

If you don't repay the debt the DCA or if the debt is returned to Barclays, could apply to the court and place a charging order on your house

 

CCJ - by whom - DCAs?? - THAT'S ENCOURAGING!!.

 

Yes it is a possibility

 

Offer of settlements have been made by DCAs recently. I reported this here and was advised on this Thread to ignore and send Recorded Delivery letters (which I did) re 'INDUCEMENTS TO SETTLE' Threats! See earlier Posts on this thread.

 

I was not suggesting you accept any of their offer of settlement, I was suggesting that you could consider making your own reduced offer...

 

Does the 'HOLD' on reclaiming unfair bank charges not apply to DCAs?.

 

In what way ?

 

So I say again - this whole exercise is worth NOTHING.

 

I disagree, you have a refund of your charges, which you could use to reduce the debt. If you did not get a refund of charges, you would have to pay the whole £5k out of your pocket instead of the £2k and using the refund..

 

So you save £3,000 hardly worth nothing

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tbern123 vs Cabot

  1. Cabot again !!! Urgent Help Needed
  2. Litigation - tbern123 V Cabot Financial (Uk) Limited
  3. No more calls from Cabot... lol

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I still find your theorising very patronising and think this discussion (for every member able to read - (shudder!)) might have been better on another avenue. What might a new member seeking advice here think of it?

 

Your interpretation might be correct in a member of this site owning property and the potential of court action against it - but to bring this (fear) onto this platform is equal to the threats of the DCAs.

 

Your standing, in my eyes, has fallen and I wish to have no further Posts from you on this Thread re this subject.

 

I will await some more constructive and sympathetic advice from more experienced persons.

 

I'm away for a large brandy!

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NEW CLAIMANTS PLEASE FIRST READ FREQUENTLY ASKED QUESTIONS AND FORUM RULES

 

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ANY ADVICE OFFERED IS A PERSONAL OPINION AND IS GIVEN AS SUCH

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I still find your theorising very patronising and think this discussion (for every member able to read - (shudder!)) might have been better on another avenue. What might a new member seeking advice here think of it?

 

Your interpretation might be correct in a member of this site owning property and the potential of court action against it - but to bring this (fear) onto this platform is equal to the threats of the DCAs.

 

Your standing, in my eyes, has fallen and I wish to have no further Posts from you on this Thread re this subject.

 

I will await some more constructive and sympathetic advice from more experienced persons.

 

I'm away for a large brandy!

 

Out of respect to your request, I will not post again on this thread. However due to the content of your previous post, I feel that I have the right to respond.

 

Firstly, I am sorry if you found my “theories” in anyway patronising, this was never my intention. One of the purposes of an open discussion forum is to discuss and debate topics. I am also sorry if you feel my posts were not sympathetic enough. I didn’t realise you wanted sympathy, I wrongly assumed you wanted answers to your questions.

 

Secondly, you asked a question and using my knowledge and experience (as you have today looked at my CAG profile, you know that I actually do have a great deal of experience of dealing with various DCA’s and I have also reclaimed unfair bank charges) to answer the question you had asked.

 

It is most unfortunate that on this occasion the answer does not suit you and for that I can only apologise again.

 

In relation to comparing my posts to a DCA, (considering my experiences with DCA's) I am deeply offended by what you imply. If you were to read my posts again, I am sure you will agree that they were made to educate rather then to cause fear, as they say information is power. Surely you would prefer that people tell you the truth rather then make up fiction just to make you feel better.

 

You say that this discussion might have been better on ‘another avenue’ and I have brought fear to this platform...

 

All I can say in response to those comments is, what other avenue / platform would you suggest. Sometimes the truth is scarey and hard to accept.

 

I have to ask, why ask a question if you don’t want to an answer. I started to post on this thread to try and use my knowledge and experience to help you and answer any questions you may have.

 

Sadly because I am unable to tell you the sky is yellow when in fact it is blue you have asked me not to post on your thread again. I will respect your wishes on the understanding that I reserve the right to respond to any comments made in relation to my charactor.

 

If you note the little green boxes under my name, you will see that I do help other people and I am pleased to say they appreciate my help.

 

Excuse me for trying to help you. I guess you just can’t help some people......

 

Enjoy your large brandy !!!!!

Edited by tbern123

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tbern123 vs Cabot

  1. Cabot again !!! Urgent Help Needed
  2. Litigation - tbern123 V Cabot Financial (Uk) Limited
  3. No more calls from Cabot... lol

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I still find your theorising very patronising and think this discussion (for every member able to read - (shudder!)) might have been better on another avenue. What might a new member seeking advice here think of it?

 

Your interpretation might be correct in a member of this site owning property and the potential of court action against it - but to bring this (fear) onto this platform is equal to the threats of the DCAs.

 

Your standing, in my eyes, has fallen and I wish to have no further Posts from you on this Thread re this subject.

 

I will await some more constructive and sympathetic advice from more experienced persons.

 

I'm away for a large brandy!

 

 

Hughesee, you take tberns name in vain mate and you will live to regret it. This blokes the mustard and saved so many skins against dca's you wouldn't imagine. He's one of the cabot lot, crucified em, brilliant. Take no notice of im mate and suffer, thats all I can say..Ignore him at your peril.

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Legal & Trade - Capital Bank CCA 4th May - 16th May due

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I too add my comments to snlc. Tbern is neither patronising nor theorising. As one who successfully beat off a very complicated and nasty attempt by a DCA for a Charging Order on my home I can state Tbern's extensive exprience and knowledge is not to be dismissed.

DCAs are applying for Charging Orders and Statutory Demands all the time these days and you need to know all the angles, incuding accepting some facts that you may not want to accept.

The Judges vary in attitude towards these matters and if you are attempting to see off an OC or a DCA in court you need a very cunning game plan and be in full possession of the facts such as the fact that requesting a copy of a the credit agreement is a non starter for a current account as they don't have agreements and are the "if any" referred by Francis Bennion when he drafted the CCA 1974. This has also been confirmed by Professor Good who is the acknowledged authority on the CCA.

I know who I would want on my side.

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Tbern123 didn't do me any favours - expert, as he may be - I thought when reading Posts yesterday it was another letter from a DCA!...

 

I also thought this Site was to encourage the fight to DCAs - not scare the living daylights out of fellow members.

 

:x

Edited by hughes690
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NEW CLAIMANTS PLEASE FIRST READ FREQUENTLY ASKED QUESTIONS AND FORUM RULES

 

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ANY ADVICE OFFERED IS A PERSONAL OPINION AND IS GIVEN AS SUCH

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Tbern123 didn't do me any favours - expert, as he may be - I thought when reading Posts yesterday it was another letter from a DCA!...

 

I also thought this Site was to encourage the fight to DCAs - not scare the living daylights out of fellow members.

 

:x

 

Ok lets break this down, what "favours" are you actually looking for ?

 

You asked a question,

 

After I had received a refund why hasn't the debt been reduced.

 

I answered the question

 

What exactly is the problem ???? :confused:

 

With respect, have you actually taken the time to visit the Debt section of this site? I highly recommend it..

 

If you honestly feel the mention of CCJ’s, Charging Orders and Statutory Demands is intended to scare members you are very much sadly mistaken. A quick visit to the Debt section of this site will clearly show you that these things are happening and that members need to be aware of them.

 

Furthermore these specific topics are discussed on this site on a daily basis.

 

Here is a petition set up on the Downing Street Website about this topic. I suggest in addition to visiting the debt section you also sign up to this petition

 

http://petitions.pm.gov.uk/chargingorders/#detail

 

Here is a list of the threads about Statutory Demands

 

http://www.consumeractiongroup.co.uk/forum/search.php?searchid=1462406

Here are some about CCJ’s

http://www.consumeractiongroup.co.uk/forum/search.php?searchid=1462411

http://www.consumeractiongroup.co.uk/forum/search.php?searchid=1462414

Here are some about Charging Orders

http://www.consumeractiongroup.co.uk/forum/search.php?searchid=1462417

All of the above threads can be found in the Debt section of this site.

 

Could you also please clarify why you feel my posts are in anyway similar to a letter from a DCA ?

Remember if you find anything I say helpful, please click the scales

 

 

tbern123 vs Cabot

  1. Cabot again !!! Urgent Help Needed
  2. Litigation - tbern123 V Cabot Financial (Uk) Limited
  3. No more calls from Cabot... lol

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After a sleepless night I still feel the Posts made yesterday have completely disillusioned my wife and I.

 

I have signed petitions here, read and reread Threads (inc those you recommend reading) - I will look again there for reassurance!

 

You seem to think I am somewhat a novice here on CAG - you may think you have more experience than others but it is with others I will seek any further advice I may or may not require.

 

Bab's Mum wonders why Posts on Sister Site were withdrawn. Was this a HUFF on someone's part?

 

:rolleyes:

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:confused:

 

I freely admit that I deleted my posts on the other site as it became obvious that you are not interested unless someone was to say that you can keep the refund and have the debt reduced.

 

How you can compare by posts to a DCA is beyond me and I am frankly disappointed that you have attempted to twist my posts.

 

I am not an expert. I have never claimed to be. However, in relation to Woolwich, I do have knowledge that I thought may of been of benefit to you.

 

If this is how you react when someone attempts to help, people will think twice in future

Remember if you find anything I say helpful, please click the scales

 

 

tbern123 vs Cabot

  1. Cabot again !!! Urgent Help Needed
  2. Litigation - tbern123 V Cabot Financial (Uk) Limited
  3. No more calls from Cabot... lol

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Receiving (too many) phone calls from most recent DCA re urgent payment required and to contact on phone.

 

I have never discussed on phone anything relating to this Woolwich A/c with any DCA.

 

Would appreciate further advice re this harrassment by this, the FOURTH, agency.

 

:confused:

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  • 3 weeks later...

Letter from Debt Collection Agency ECI stating they no longer chasing debt!

 

Wonderful!

 

Another DCA bites the dust. :)

 

ECI really are EQUIDEBT to whom they say they have returned the account.

 

Previous Posts on this thread refer.

 

:cool::cool:

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WHAT's NEW??

 

DCA Robinson, Way telephoning every day

 

I'm on an extended hol from home - have been for several months - several more months to go!

 

When visiting home address BT 1571 tells who's out there with messages!

 

DCA Robinson, Way!!!!

 

:cool:

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NEW CLAIMANTS PLEASE FIRST READ FREQUENTLY ASKED QUESTIONS AND FORUM RULES

 

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  • 3 weeks later...

Three more demanding letters from Robinson, Way since last Post - plus phone harrassment daily!

 

Robinson, Way recently made TWO checks on my Experian credit score file.

 

Now - THAT IS NEW!!

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NEW CLAIMANTS PLEASE FIRST READ FREQUENTLY ASKED QUESTIONS AND FORUM RULES

 

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  • 4 weeks later...

UPDATE:

 

Still receiving demanding/threatening letters from DCA Robinson, Way

 

Is there no end to this?

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NEW CLAIMANTS PLEASE FIRST READ FREQUENTLY ASKED QUESTIONS AND FORUM RULES

 

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ANY ADVICE OFFERED IS A PERSONAL OPINION AND IS GIVEN AS SUCH

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  • 3 weeks later...
  • 4 weeks later...

HAD A CALLER AT MY HOME the other day - He/she left a card with no detail on - asking to ring a mobile number URGENTLY!

 

I was not at home on day of visit.

 

I have ignored the request.

 

I wonder was this a follow-up of Robinson, Way threat to send caller for doorstep visit? - with whom I will not engage if I ever meet.

 

(I have NOT had any correspondence recently from them)!

 

:eek:

.

NEW CLAIMANTS PLEASE FIRST READ FREQUENTLY ASKED QUESTIONS AND FORUM RULES

 

Link:

FAQ

 

ANY ADVICE OFFERED IS A PERSONAL OPINION AND IS GIVEN AS SUCH

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