Jump to content


  • Tweets

  • Posts

    • Hello, Following the submission of my defense, last night I received an email from DCBL indicating that the claimant intends to proceed with the claim (I've attached a screenshot of the email for reference) along with the N180 directions questionnaire. I'm unsure how they obtained my email, but I suspect it was through the courts' form when I completed the Acknowledgment of Service. This email almost slipped my attention. I have also today received a letter from court to state they have received my defense.  It appears they are requesting an online telephone hearing with the court. Could you please advise me on the necessary steps I should take at this point? Thank you for your assistance. Letter-Email 25-04-24.pdf N180 - Directions questionnaire (Small Claims Track).pdf
    • Default Amount £9237.88, all this started in 2006 Admitted debt £9075.65 Weightmans added £1515.01 immediately they became involved, no explanation The Statement shows when Marlin bought debt in May 2011 £10439.25 Their statements, not received until the SAR, are based on this. Cabot deducted £1515.01on their statements in January 2019, again did not find this out until SAR. Weightmans added in  2007 after the CH1 etc was confirmed by the court £741.50, made up of Process server fees, Court Fee (they tried for bankruptcy), Solicitors fee and Land Registry fee. Unspecfied Legal costs were added by Marlin in March 2015, again I did not know this until statements received with SAR I had been paying monthly, without exception until December 2018. I am minded to take the property charge, CH1 amount ,deduct all my payments and the subsequent fees, and request/demand a refund on the final payment made? I consistently disputed Weightmans balances, but they never responded. I also told Mortimer Clarke/Cabot that I disputed their amounts.  
    • Just follow this link and have read of some threads so your familiar with the process https://www.consumeractiongroup.co.uk/topic/347310-legal-n180-directions-questionnaire-small-claims-track/#comment-5178739
    • Sorry,  I'm not familiar with terminology.  Direction questionnaire is what I've seen online as next step. Witness statement: I haven't gone that far, that's why I put the question marks.
    • 2. Is correct disregard 1. You must attend ad per the order 
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 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
      • 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

Mass complaint ;Add your name here if a dca has acted incorrectly with your account.


MARTIN3030
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4082 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

  • Replies 1.1k
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Intrum justicia,moorcroft ,face to face, to name a few- all harassed - face to face called to the door...even after an interim order was made and an iva completed (lump sum iva)!!! Nationwide(bs) and A&L dca`s also ... am wondering if I can sue...the iva meeting was july 06, iva completed nov 06, still getting hassled.

Link to post
Share on other sites

Capquest

 

Non compliance with my CCA Request, sent me a deed of assignment and nothing else.

Buying this debt and asking me to pay without all the relevent paperwork as they have said they need to contact the people they have bought it from.

 

Still adding interest to the account despite claiming it was on "hold".

 

Account is also in dispute.

 

Update -

Still no documents received, but they have sent me a nice letter today saying pay up or else, Will be keeping this as more evidence against them.

Link to post
Share on other sites

NCO - harassment, ringing me up even though they have been told to only correspond in writing. trading standards west yorkshire currently dealing with my complaint, but have told me that on the national database NCO havent been flagged up.

 

 

I am dealing with RMA (Risk Management Alternatives) which is "part of the NCO group of companies". Also calling up daily. They have my Amex debt.

Link to post
Share on other sites

Direct Legal & Collections for taking me to court under false pretences. Numerous breaches of the Data Protection Act. OFT guidelines and the CCA. Chasing a statute barred debt. Harassment. :-x

 

 

Cabot - Data Protection Act breach, CCA non compliance. Harassment and generally not playing nice.:razz:

He didn't come looking for trouble, but trouble came looking for him.

When the smoke clears, it just means he's reloading.

Link to post
Share on other sites

CapQuest

 

wont reply to a CCA request

Wont reply to a DSAR

Wont refund monies paid to them so far

Tell Trading Standards they had 'dropped' my case - but they still call me 6 times a day every day to harras me for the money i dont owe them

Have registered a Default twice on my account, even though they shouldnt apply any...plus had no warning of this

 

All the fun of the fair!

People who haven't made mistakes, haven't made anything!

 

Link to post
Share on other sites

Aktiv Kapital;

 

repeatedly chasing Mahala for a debt she insists she does not owe. Ignoring CCA request and then writing back to her stating that they'd replied as required and that she should now start paying. Raising a Claim against her at an address they knew was not any longer in use, and thereby gaining a CCJ through her not knowing of the action. Ringing ME on my private mobile to discuss her account/talk to her/harrass her.

 

You name it they've done it; in the past the letters were extremely threatening and so on, they used to call her at all sorts of odd times to demand money...

Link to post
Share on other sites

Ok there is one company that has really got my back up...

 

Can you guess, who they are ??? Go on guess !!!

 

CABOT

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

Link to post
Share on other sites

Moorcroft - didn't send me any letter ti inform me they had now been asked to recover the debt, just sent a nasty man round to my home who threatened me with all sorts telling me they did NOT need to go to court to get the bailif round, and made me come to a payment arrangement. Sent a request for a CCA off, and they told me they have NO intention of supplying it because they DON'T have to as I have made payments to them already.

 

WESCOT - still not supplied me with my requested information. Phoned me up demanding payment. Told them it would be a week late. Refused to accept it. Told me it would go for further action despite me telling them it was just going to be a little late.

Link to post
Share on other sites

A couple of years ago I had an unpaid phone bill with T-mobile. I'd moved house and thought I'd cancelled the contract and settled fully. Eventually I gota letter from BCW demanding immediate repayment of the 70 odd pounds or offering a payment schedule of £30 a month by standing order. After checking my bank account I realized I hadn't made the final payment to T-mobile to I sent back the standing order form to BCW.

 

The standing order form was part of the letter they sent to me and I returned the whole thing with the standing order filled in. Imagine my surprise today when I received some of the information requested in my SAR to my bank and the whole letter from BCW including threats of court action etc. had been forwarded on to my bank.

 

Data protection breach?

Link to post
Share on other sites

Direct Legal - Hillsden Securities:

Sending letters to an address that was not a real address but close enough to allow them to be delivered to my girlfriends parents home. When challenged they removed it from the system, only to add it back again a few weeks later and to start sending them again.

They claim that they got the info from Experian who have no record of this address.

DLC have recently added this incorrect address to my credit file and linked it to my previous addresses!!

 

I believe that this address was passed to them from my ex housemate who had a bit of a grudge and wanted to cause problems.

 

They now have registered another incorrect and mangled variation of my current address and added this also to my credit files.

Link to post
Share on other sites

Global Debt Recovery Services Limited owned by Alliance & Leicester

 

For collecting payments from me over a period of 4 years without being registered with the IFO and being registered with Companies House as non-trading.... filing dormant company accounts.

 

Global Debt Management Services Limited have now entered the 12 day default for non-compliance of a CCA request.

Link to post
Share on other sites

Just an addendum to my original complaint about Westcot.

 

I wrote to Hull Trading Standards about them in October to complain about their non-compliance with a cca request. Westcot claimed to have purchased a debt from Ikano in January 2006.

 

I quote from my (eventual) reply from Hull TS

 

"I have now approached Westcot on a formal footing and it transpires they are NOT the creditor of the debt and as such have no legal obligation to fulfill a request made under the Consumer Credit Act. Instead the creditor is in fact another company. You shold have been informed of this on the Deed of Assignment which should have been sent to you.

 

As Westcot Credit Services Ltd have not failed to fulfill any legal obligation no action against them is contemplated.

 

I understand though that Westcot Credit Services Ltd have now acquired a copy of the original agreement which has been sent to you. I hope and trust that this clarifies things for you"

 

No it doesn't

 

I even enclosed with my original complaint, a letter from Westcot clearly stating that they had purchased the debt from Ikano in January 2006. Their stance never changed from this and I have had no deed of assignment to say that they have subsequently sold it on. Therefore, during the time I was asking for the Agreement they did fail in their obligation to supply, they were the owner of the debt (according to them) and they therefore, have committed a criminal offence.

 

Also, when they did (eventually) forward the Agreement is was improperly executed (only signed by me and not by Ikano)

 

This surely raises more questions than answers and how on earth can Trading Standards be saying this despite having in their possession a letter from Westcot stating that they own the debt?

 

I am about to draft a letter to TS but, I need to calm down a bit first :mad:

Link to post
Share on other sites

CAPQUEST and H L LEGAL, for adding further court costs and solicitors costs,( even though they are not supposed to be solicitors from what i read on here!) new total of an extra £190 today! to my direct debit which i stopped because i cant afford to pay it, they are trying to screw me for hundreds of extra pounds every time im skint and cant pay they are just bullies and parasites!

Link to post
Share on other sites

OH I also fogot to mention CAPQUEST again after hundreds of phone calls to a phone that i just borrowed to ring H L LEGAL, when they sent me the last Demand of court costs and solicitors fees a couple of months ago!! they just keep adding court costs to my account even though i havnt even heard anything from any court!!

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...