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    • Hi Sorry for the delay in getting back to you The email excuse and I do say excuse to add to your account and if court decide LL can't recoup costs will be removed is a joke. So I would Ask them: Ask them to provide you with the exact terms within your Tenancy Agreement that allows them to add these Court Fees to your Account before it has been decided in Court by a Judge. Until the above is answered you require these Court Fees to be removed from your Account (Note: I will all be down to your Tenancy Agreement so have a good look through it to see what if any fees they can add to your account in these circumstances)
    • Thank you for your responses. As requested, some more detail. Please forgive, I'm writing this on my phone which always makes for less than perfect grammar. My Dad tries but English not his 1st language, i'm born and bred in England, a qualified accountant and i often help him with his admin. On this occasion I helped my dad put in his renewal driving licence application around 6 weeks before expiry and with it the disclosure of his sleep apnoea. Once the licence expired I told him to get in touch with his GP, because the DVLA were offering only radio silence at that time (excuses of backlogs When I called to chase up). The GP charged £30 for an opinion letter on his ability to drive based on his medical history- at the time I didn't take a copy of the letter, but I am hoping this will be key evidence that we can rely on as to why s88 applies because in the GP opinion they saw no reason he couldn't drive i need to see the letter again as im going only on memory- we forwarded the letter in a chase up / complaint to the DVLA.  In December, everything went quiet RE the sleep apnoea (i presume his GP had given assurance) but the DVLA noticed there had been a 2nd medical issue in the past, when my father suffered a one off mini stroke 3 years prior. That condition had long been resolved via an operation (on his brain of all places, it was a scary time, but he came through unscathed) and he's never had an issue since. We were able to respond to that query very promptly (within the 14 days) and the next communication was the licence being granted 2 months later. DVLA have been very slow in responding every step of the way.  I realise by not disclosing the mini stroke at the time, and again on renewal (had I known I'd have encouraged it) he was potentially committing an offence, however that is not relevant to the current charge being levied, which is that he was unable to rely on s88 because of a current medical issue (not one that had been resolved). I could be wrong, I'm not a legal expert! The letter is a summons I believe because its a speeding offence (59 in a temp roadworks 50 limit on the A1, ironically whist driving up to visit me). We pleaded guilty to the speeding but not guilty to the s87.  DVLA always confirmed to me on the phone that the licence had not been revoked and that he "May" be able to continue to drive. They also confirmed in writing, but the letter explains the DVLA offer no opinion on the matter and that its up to the driver to seek legal advice. I'll take the advice to contact DVLA medical group. I'm going to contact the GP to make sure they received the SAR request for data, and make it clear we need to see a copy of the opinion letter. In terms of whether to continue to fight this, or to continue with the defence, do we have any idea of the potential consequences of either option? Thanks all
    • stopping payments until a DN arrives does not equal automatic sale to a DCA...if you resume payments after the DN.  
    • Sleep apnoea: used to require the condition  to be “completely” controlled Sometime before June 2013 DVLA changed it to "adequately" controlled. I have to disagree with MitM regarding the effect of informing DVLA and S.88 A diagnosis of sleep apnoea doesn't mean a licence wont be granted, and, indeed, here it was. If the father sought medical advice (did he?) : this is precisely where S.88 applies https://assets.publishing.service.gov.uk/media/64edcf3a13ae1500116e2f5d/inf1886-can-i-drive-while-my-application-is-with-dvla.pdf p.4 for “new medical condition” It is shakier ground if the opinion of a healthcare professional wasn’t sought. in that case it is on the driver to state they believed they met the medical standard to drive. However, the fact the licence was then later granted can be used to be persuasive that the driver’s belief they met the standard was correct. What was the other condition? And, just to confirm, at no point did DVLA say the licence was revoked / application refused? I’d be asking DVLA Drivers’ Medical Group why they believe S.88 doesn’t apply. S.88 only applies for the UK, incidentally. If your licence has expired and you meet the conditions for S.88 you can drive in the U.K., but not outside the U.K. 
    • So you think not pay until DN then pay something to the oc to delay selling to dcas?    then go from there? 
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Meritforce and 1st Credit


ODC
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Received this nice letter from Meritfarce today.

 

We refer to the above debt. To avoid the inconvnience of a doorstep collector visiting you we have enclosed a standing order form. This will enable you to make payments seamlessly and without any hassle.

It is imperative that you complete and return to Meritforce by 22nd February 2007.

Should you wish to contact us for any reason please call ****** ***** on telephone number ***********

Please note It is imperative you do not default on your payment plan. Details may result in your account being forwarded for legal action.

Two questions.

Will they call

I didnt agree to any payment plan so why have they sent me a standing order which I didnt ask for demanding a payment way in excess of what I could afford.

Although it gives a Newcastle address it came in the same envelope as usually comes from Kilsyth using the same typeface and barcode at the top,

\i am inclined to ignore this

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1ST Credit buy debt from various companies (i assume you know who the creditor is)

 

1st credit use mackenzie hall as one of their DCA's (i dont think they sell them debt but they definitely pass debt to them for 6 months or so)

 

Mackenzie Hall own MeritFARCE.

 

There is a small possibility they might call.

 

The letter is the same style ets as Mckenzie hall use a 3rd party to send their letters for them (remember they ARE meritfarce.)

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1ST Credit buy debt from various companies (i assume you know who the creditor is)

 

1st credit use mackenzie hall as one of their DCA's (i dont think they sell them debt but they definitely pass debt to them for 6 months or so)

 

Mackenzie Hall own MeritFARCE.

 

There is a small possibility they might call.

 

The letter is the same style ets as Mckenzie hall use a 3rd party to send their letters for them (remember they ARE meritfarce.)

 

If they call they will leave my property quicker than they arrived.

 

1. I thought they had to give you a date and time when they were calling.

 

2. I thought they could not bother you if you are suffering from a serious ilness (A stroke in my case)

 

3. I am very friendly with my local constabulary so i RECKON WITHIN 2 MINUTES THERE WOULD BE A COP CAR WITH BLUE FLASHING LIGHTS AT THE DOOR

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they are a DCA THEY HAVE NO POWERS AT ALL, just like a walking phone call chaser.

it costs them more to visit than anything they can ever get out of you.

 

want to really make them smile?

 

whoever the original debt was with

send them a CCA, then write to the DCA and tell them the A/C is in dispute.

then they will pass it back to whoever they brought it from.

 

just as a side note: how old is the debt?

 

 

dx100uk:)

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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Would be interested to know if Meritforce do call round. They were taken over by that lot from north of the border last year and usually concentrated their efforts in the north-east of England and were quite well regarded as being sensible and reasonable. That may have been ditched by the new management hence their appearances on this thread. Are you anywhere near their hq?

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Would be interested to know if Meritforce do call round. They were taken over by that lot from north of the border last year and usually concentrated their efforts in the north-east of England and were quite well regarded as being sensible and reasonable. That may have been ditched by the new management hence their appearances on this thread. Are you anywhere near their hq?
nope

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  • 2 weeks later...

Surprise surprise

 

Another letter from Meritforce

 

AUTHORISED COLLECTOR VISIT

 

Due to non payment etc .............

 

An authorised collector will make a visit to your property within the next 7 days not authorised or requested by me

 

Should our collector inform us that no positive commitment towards clearing the debt has taken place, your account will be returned to this office for potential legal action. go ahead make my day

 

If you do not want or collector to call and would rather arrange settlement directly with our offices by XXXXXXXX I dont want our authorise your agent to call but have no intentions of contacting you

 

Should you fail to make a payment and legal action is taken, additional costs may be added to your debt. That would be illegal

 

We look forward hearing from you. No more reminders will be sent to you. YIPEE I'm already sick of the reminders

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what letter my mate dca!!!

never got it...nearer to 6yrs by another 2 weeks..keep going.

 

dx100uk;)

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...

Hi there ODC, I have had a couple of letters from these people too. I don't even think the debt is mine!! After recieving the first letter (as per your post #9) I sent off a CCA on the 2nd March. Today I recieve another, threatening seizure of assets, arrestment of wages or bankruptcy. It also contains a SO mandate (the cheek!!) This has to be "completed, signed and returned by noon 29th March" (today) It's dated the 22nd but only arrived this morning, the postmark is stamped twice, 28/03/07 and 29/03/07.

have you heard anymore from these (I use the term lightly) people?

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keep the envelope as incase you need it you can prove it was sent to you the same day the "payment" was due.

 

youve sent them the CCA (recorded delivery i hope) and hopefully put that the account is in dispute, if you have, they cant do a thing to you unless they satisfy the request :-) and thats IF they satisfy the request.

Me Vs AA/Blair Oliver - Defaulted on CCA, Committed Criminal Offence, started chasing payment

 

Me Vs Great Universal - Wrote off the 2k balance, couldnt supply docs

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/74209-me-littlewoods-catalogue.html

 

My Friend Vs Lowell Portfolio - Balance written off, all action stopped!

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75075-my-friend-lowell-victory.html

 

My Friend Vs Empire Catalogue - Balance Cleared

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75713-my-friend-empire-droyds.html

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keep the envelope as incase you need it you can prove it was sent to you the same day the "payment" was due.

 

youve sent them the CCA (recorded delivery i hope) and hopefully put that the account is in dispute, if you have, they cant do a thing to you unless they satisfy the request :-) and thats IF they satisfy the request.

Hi Kenny, yes it was sent recorded (I checked with royalmail on line for delivery confirmation, but no info available!) I also kept the envelopes from both letters, along with their contents.

They say the debt is from Empire stores. Now I do currently have a catalogue with them, I have had it for 2 years and always pay on time, my account has an excellent record. Their client ref number is not the same as the account number I have right now. I have NEVER previously had an account with them, so I really don't think it is mine:???: From reading round the threads I found that they are linked/merged with Makenzie Hall, and I did get one of their little red cards through the door a couple of months ago and ignored it.

 

Sorry ODC, don't mean to hijack your thread;) I have subscribed so I can keep up to date with any future posts:D

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Hi there ODC, I have had a couple of letters from these people too. I don't even think the debt is mine!! After recieving the first letter (as per your post #9) I sent off a CCA on the 2nd March. Today I recieve another, threatening seizure of assets, arrestment of wages or bankruptcy. It also contains a SO mandate (the cheek!!) This has to be "completed, signed and returned by noon 29th March" (today) It's dated the 22nd but only arrived this morning, the postmark is stamped twice, 28/03/07 and 29/03/07.

have you heard anymore from these (I use the term lightly) people?

Not surprisingly they havent called with me nor have any of the other DOORSTEP COLLECTORS who fail to keep their promises. I can assure you that if any do they will be leaving the premises a hell of a lot quicker than they arrived.

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  • 2 weeks later...

*** UPDATE RE MERITFARCE****

 

 

Still no calls but received one of their RED cards

IMPORTANT

PLEASE CALL 0191 224 0069 NO LATER THAN 3RD APRIL 2007 (POSTMARKED 7TH APRIL)

THIS IS NOT A CIRCULAR OR JUNK MAIL (IT IS TO ME)

WE NEED TO SPEAK TO YOU URGENTLY]QUOTE REFERENCE NUMBER xxxxxxxx (DO YOU THINK I'M MAD?)

THANK YOU. (YES THANKS BUT NO THANKS)

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lol so your just going to keep waiting then?

Me Vs AA/Blair Oliver - Defaulted on CCA, Committed Criminal Offence, started chasing payment

 

Me Vs Great Universal - Wrote off the 2k balance, couldnt supply docs

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/74209-me-littlewoods-catalogue.html

 

My Friend Vs Lowell Portfolio - Balance written off, all action stopped!

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75075-my-friend-lowell-victory.html

 

My Friend Vs Empire Catalogue - Balance Cleared

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75713-my-friend-empire-droyds.html

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ODC,

 

Has the Meritforce boys called yet ? I've got my letter today telling me to pay up or the Meritforce boys will call. I wouldn't mind so much if I actually owe the debt they claim but I don't.

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*** UPDATE RE MERITFARCE****

 

 

Still no calls but received one of their RED cards

IMPORTANT

PLEASE CALL 0191 224 0069 NO LATER THAN 3RD APRIL 2007 (POSTMARKED 7TH APRIL)

THIS IS NOT A CIRCULAR OR JUNK MAIL (IT IS TO ME)

WE NEED TO SPEAK TO YOU URGENTLY]QUOTE REFERENCE NUMBER xxxxxxxx (DO YOU THINK I'M MAD?)

THANK YOU. (YES THANKS BUT NO THANKS)

 

You are really keeping me entertained with your posts! I'm gonna take a leaf out of your book! BTW - my mum had a stroke, so ever want a chat, PM me!

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DCAs seem to habitually backdate their letters to put pressure on people. (you must contact us within 7 days from the date of this letter - omigod that's today, panic, panic...) No doubt some vulnerable people would be very scared by this. This appears to be harassment in its own right.

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