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    • dx100uk
      Moneybarn - Term notice but never a DN - Now Return of Goods order+monetary redress

      By dx100uk · Posted

      so return of goods order etc etc read upload  scan pages to jpg, redact in mspaint. the convert to and merge to one mass PDF  read upload and use the online listed sites for all 3 stages. do you want to keep the car? i will guess this was a manual paper claimform direct from the co.court or was it org sent from salford bulk processing and has just got reaq ssigned?      
    • tobyjugg2
      Should we trust Sunak or the next PM to fix the Country's problems? (title revised 24/10/22)

      By tobyjugg2 · Posted

      Speaking of the reformatory boys, here they are with all of their supporters, some of whom traveled with them from miles away, all carefully crammed together and photographed to look like there were more than about 80 .. rather like Farages last rally with even fewer people crammed around what looked like an ice cream van or mobile tea bar ... Although a number in the crowd apparently thought they were at a vintage car rally as they appeared to be chanting 'crank-her'. A vintage Bentley must be out of view.   Is this all there is? Its less than the Tory candidate. - shut up and smile while they get a camera angle that looks better
    • KC Moneybarn
      Moneybarn - Term notice but never a DN - Now Return of Goods order+monetary redress

      By KC Moneybarn · Posted

      in order for us to help you we require the following information:- Which Court have you received the claim from ? Canterbury Name of the Claimant ? Moneybarn No 1   How many defendant's  joint or self ? One Date of issue –  29/05/24 Acknowledged by 14/06/24  Defence by 29/06/24  Particulars of Claim PARTICULARS OF CLAIM 1.  By a Conditional Sale Agreement in writing made on 25th August 2022. Between the Claimant and Defendant, the Claimant let to the Defendant on Conditional Sale. A Ford Ranger 3.2 TDCi (200 P S) 4x4 Wildtrack Double Cab Pickup 3200cc (Sep.2015) Registration No, ******* Chassis number ***************** (“The Vehicle”).  A copy of the agreement is attached  2.  The price of the goods was £15,995.00. The Initial Rental was £8500.00.  The total charge for credit was £3575.;17 And the balance of £11,070.17 was payable by 59 equal consecutive monthly instalments of £187 63. payable on the 25th of each month. 3.  The following were expressed conditions of the set agreement, Clause 8: Our Right to End this Agreement  8.1   Subject to sending you the notice as required by law, any of the following events will entitle us to end this Agreement: 8.1.2  You fail to pay the advance payment (if any) or any of the payments as specified on the front page of this agreement or any other sum payable under this Agreement. 8.1.3 If any of the information you have given us before entering into this Agreement or during the term of this Agreement was false 8.1.4 We consider, acting reasonably, that the goods may be in jeopardy or that our rights in the goods may otherwise be prejudiced. 8.1.5 If you die 8.1.6 If a bankruptcy petition is presented against you; if you petition for your own bankruptcy, or make a live arrangement with your creditors or call a meeting of them. 8. 1.7 If in Scotland, you become insolvent or sequestration or a receiver, judicial factor or trustee to be appointed over any of your estate, or effects or suffer an arrestment, charge attachment or other diligence to be issued or levied on any of your estate or effects or suffer any exercise, or threatened exercise of landlords hype hypothec 8.1.8 If you are a partnership, you are dissolved 8.1.9 If the goods are destroyed, lost, stolen and/or treated by the insurer as a total loss in response to an insurance claim. 8.1.10 If we reasonably believe any payment made to us in respect of this Agreement is a proceed of crime. 8.1.11 If steps are taken by us to terminate any other agreement which you have entered into with us. Clause 9.  Effect of Us Terminating Agreement 9.1 If this Agreement terminates under clause 8 the following will apply 9.1.1 Subject to the rights given to you by law, you will no longer be entitled to possession of the goods and must return them to us to an address as we may reasonably specify, (removing or commencing the removal of any cherished plates) together with a V5 registration certificate, both sets of keys and a service record book. If you are unable or unwilling to return the goods to us then we shall collect the goods and we'll charge you in accordance with clause 10.3 9.1.2 We will be entitled to immediate payment from you for all payments and all other sums do under this agreement at the date of termination 9.1.3 We will sell the goods or public sale at the earliest opportunity once the goods are in a reasonable condition which includes a return of the items listed in clause 7.1.4 9.1.4 We will be entitled to immediate payment from you of the rest of the Total Amount Payable under this agreement less: ( a) A rebate for early settlement ias required by law which will be calculated and notified to you at the time of payment (b) The proceeds of sale of the goods (if any) after deduction of all costs associated with finding you and/or the goods, recovery, refurbishment and repair. Insurance, storage, sale, agents fees, cherished plate removal, replacement keys, costs associated with obtaining service history for the goods and in relation to obtaining a duplicate V5 registration certificate 4, The following are particulars required by Civil Procedure Rules. Rule 7.9 as set out in 7.1 and 7.2 of the associated Practice Direction entitled Hire Purchase Claims:- a)     The agreement is dated 25 August 2022. And is between Moneybarn No1 Limited  and xxxxxxxxx under agreement  number xxxxxx. b)    The claimant was one of the original parties to the agreement. c)    The agreement is regulated under the Consumer Credit Act 1974. d)    The goods claimed Ford Ranger 3.2 TDCi ( 200 PS) 4x4 Wildtrack Double Cab Pickup 3200 cc (Sep2015} Registration No ^^^^^^^ Chassis number ***************** e)     The total price of the goods £19570 f)     The paid up sum £1206 5 g)    The unpaid balance of the total price £7505 (to include charges) h)    A default notice was sent to the defendant on 20th February 2024 by First class post i)      The date when the right to demand delivery of the goods accrued 14 March 2024 j)      The amount if any claimed as an alternative to delivery of the goods 7505 22 include charges 5.  At the date of service of the notice the instalments were £562.89 in arrears. 6. By reason of the Termination of the Agreement by the notice, defendant became liable to pay the sum of £7502 7. The date of maturity the agreement is 24th August 2027. 8. Further or alternative by reasons of  the Defendant breaches of the agreement by failing to pay the said instalments, the Defendant evinced an intention no longer to be bound by the Agreement and repudiated it by the said Notice the claimant accepted that repudiation 9. By reason of such repudiation the claimant has suffered loss and damage. Total amount payable £19570 Less sum paid or in arrears by the date of repudiation £12064 97 Balance £7505 (to include charges.) ( The claimant will give credit if necessary for the value of the vehicle if recovered.)  The claimant therefore claims 1.    An order for delivery up of the vehicle 2.    The MoneyClaim to be adjourned generally with liberty to restore,  Upon restoration of the MoneyClaim following return or loss of the vehicle. the Claimant will ensure the pre action protocol for debt claims is followed. 3.    Pursuant to s 90 (1)  of the Consumer Credit Act 1974. An order that the Claimant and/or its agents may enter any premises in which the vehicle is situated in order to recover the vehicle should it not be returned by the Defendant 4.    further or alternatively damages 5.    costs Statement of truth The Claimant believes that the facts stated in these Particulars of Claim are true. The Claimant understands that the proceedings for contempt of court may be brought against anyone who makes or causes to be made a false statement in the document for verified by statement of truth without an honest belief in its truth. I am duly Authorised by the Claimant to sign these Particulars of Claim signed Dated 17th of April 2024  What is the total value of the claim? 7502   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No   Never heard of this   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? n/a Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? No   When did you enter into the original agreement before or after April 2007 ? After  Do you recall how you entered into the agreement...On line /In branch/By post ? In a garage  Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes  Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Original Were you aware the account had been assigned – did you receive a Notice of Assignment? n/a   Did you receive a Default Notice from the original creditor? They said sent but nor received   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? None seen   Why did you cease payments? Still Paying,   What was the date of your last payment? Yesterday  31st May 2024   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes on 12 Feb 2024   What you need to do now.   Can't scan, will do via another means as you cant have jpg  
    • tobyjugg2
      Should we trust Sunak or the next PM to fix the Country's problems? (title revised 24/10/22)

      By tobyjugg2 · Posted

      Now that is an interesting article which adds afew perspective that I hadn't thought significant - but on reflection of the perspectives offered ... Now Starmer is no Blair, however 'blairite he may be perceived, but the Tories aren't tories and aren't even remotely liberal   The fast 'unannounced and unexpected election call from sunack may well be explained by the opinion linked that he hoped reform would be unprepared and effectively call a chunk of Farages largely empty bluster - making him look even more of a prat, leave scope for attacks on shabby reform candidates and mimimise core vote losses to reform - while throwing the 'middle ground' (relative) tories TO THE DOGS - and with the added bonus of likely pacifying his missu' desire to jogg off to sunny cal tout suite somewhat   thumb in the air - I expect about 140ish tory seats, but can hope for under a hundred Reform - got to admit the outside possibility of 1, maybe 2 seats with about 8% of the vote - but unlikely. I think projections of over 10% of the vote for reform is nudged and paid for speculation - but possible with the expected massive drives from Russian, Chinese and far right social media bot and troll prods targeting the gullible.
    • unclebulgaria67
      Should we trust Sunak or the next PM to fix the Country's problems? (title revised 24/10/22)

      By unclebulgaria67 · Posted

      Commentary June 2024 WWW.ELECTORALCALCULUS.CO.UK Interesting article about just how bad it could be for the Tories.  Also Tories could be hoping on Reform not having candidates in many seats, as they were not ready.  

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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Debt Collector agreed to pay me to provide staff training!!!

Gingerheid
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Gingerheid

Gingerheid

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I've been dealing with a debt collecter since November last year; unwillingly, as I don't owe their client any money.

 

Finally I realised what they seemed to be up to and sent them this

 

I refer to your letter of 5 April 2007, received today.

 

I wrote to you twice in November 2006, and you have acknowledged both letters so you have received them.

 

In the first of these letters I gave you copies of proof that I do not owe your client money; copies of both a letter and an e-mail issued by them. On the same day I also e-mailed you a recording of a telephone conversation with your client on that date, in which they told me that I did not owe them money.

 

I am at a loss as to why you still write to me when you haven't provided this information, despite numerous reminders, and it is very irritating to receive requests to call your premium rate revenue sharing number when I am not being paid.

 

However, to show that there is no ill feeling, I am happy to offer you a special opportunity.

 

I think that you seem to be using me to train your staff in what dealing with customers who are being wrongly pursued for money is like. I do not agree to provide this service free. I am however happy to offer this service to you for the consideration of £20 per letter that I reply to or telephone call that you ask me to make, terms 30 days. Many banks charge £12 or more for a computer generated letter or a standard scripted debt chasing phone call from a call centre in India. I am certain that in return for a human composed letter or a telephone call to a premium rate revenue sharing number this small premium on that charge represents excellent value for money. Indeed, many professionals would charge a much higher fee to issue a letter of a similar nature.

 

In addition, I am prepared to offer a £2 discount on the fee to only £18 for slow service, if my e-mail or letter format response is not sent to you or phone call is not made within 7 days of receipt of any requests. I will also, for absolutely no further charge, record any telephone call made and send a copy to you. The recording may be used for any purpose desired. If you staff do not wish to talk to me at that time we may agree a letter or phone call as an alternative, for which a further £20 fee would be payable.

 

Please however note that prompt payment would be of the essence. If payment was not made promptly within 30 days of the invoice (presumed received working day after posted first class or issued by e-mail), a £12 late payment and letter before action charge for the reminder issued would apply. If accounts were still not settled and legal proceedings had to be commenced, a £50 ligitation referral fee would also apply, in addition to the costs of any court proceedings. You should not agree to enter a contract if you do not note the contents of these conditions.

 

If you are interested in this offer please indicate your acceptance by sending to me a suitable letter stating that you note this communication and that you would like me to contact you further, either in writing, by telephone call, or by e-mail. I will then send my first response to you, and your staff can practice replying to it. Any future requests can be made in a similar way. You might like to give a reference number that I can quote, so staff are fully aware of the nature of the agreement and the call being made. If you would like to give me any specific instructions about how you wish me to conduct the call do feel free, otherwise I will handle it as seems most appropriate to me; playing the role of someone who is angry at being asked for money they do not believe they owe and a little uncooperative.

 

Otherwise, if you would not like to take advantage of this opportunity there is of course no need to respond in this respect. However if you believe, despite the information previously sent, that I am incorrect and that there is a debt, then I expect you will of course please now finally provide a written response to my letters of November giving the details requested regarding the alleged debt. I can send copies of the letters if you do not have them to hand. The response will have to be in writing as I am not willing to phone a premium rate revenue sharing number when I am not being paid.

 

Many thanks

Now when you are trying to drum up business for a new trade you have to risk pestering people about until you get through the the person that can make decisions, so I also sent a polite reminder:

I refer to my message below, I look forward to hearing from you regarding this at your earliest convenience.

 

Well... it all paid off. Today I got a letter from them!!!

Thank you for your recent communication.

 

The contents of this communication have been noted

 

Please telephone this office as a matter of urgency in order that this matter can be discussed.

 

Thank you for your co-operation.

 

Yours faithfully

 

It's exactly what I asked for if they wanted to enter the contract (even uses some of the same words as I used) and it's got clear instructions on how to proceed, and a reference number like I asked for!!!

 

It's also clearly not a mistake on their part, as I made it clear that the only way I was going to do what they asked me to was if they paid me!

 

I'm very excited, but of course the red tape was a bit of a dampener on things. It seems like I only have three months to inform the tax office that I've commenced self employment and to apply for deferrment of Class 2 National Insurance contributions. (I will apply for deferrment because I don't expect my earnings will be that high as the new trade starts out; I'll not be giving up the day job just yet!!! ;) )

:D:D:D

 

(I tried to put in 60 of those, but the computer wouldn't let me!)

Number of times I've asked 1st Credit for information that I stil haven't recieved... 55 as at 02/05/07 :!:

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Gingerheid

Gingerheid

Posted
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Posted

I intend to phone. If I phone there's every chance I can get them to agree to tell me to write (all recorded of course, per the terms of the contract) and charge two fees.

 

Cut throat this business, but you've got to be ruthless if you want to succeed in the DCA business!

Number of times I've asked 1st Credit for information that I stil haven't recieved... 55 as at 02/05/07 :!:

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ODC

ODC

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Posted

You are MAD!!! Gingerheid. I cant wait till you send a DCA to them for non payment. Might I suggest Link. Everyone here knows about their professional abilities. I would have recomended Lowells but they have had a few failures recently. Cabot have enough on their plates with Tbern.

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Gingerheid

Gingerheid

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@ODC - If I come across any reluctant payers in the course of my self employment I will use Business to Business Debt Collection , who provide an initial nastygram for only £2.35. Any proceedings would be carried out "in-house". There's no reason why I should forsee this as being a problem though; I'm sure debt collectors wouldn't try and avoid paying up when they ask someone to do work for them! ;)

 

@Curlyben: As part of the contractual terms I am to play someone who is un-cooperative. I will therefore refuse to give a phone number. (Also, I can't answer my phone at work) :D

Number of times I've asked 1st Credit for information that I stil haven't recieved... 55 as at 02/05/07 :!:

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Darren

Darren

Posted
Posted

Hi Gingerheid

 

Ive been following your other thread and thought the letter was a brilliant idea.

 

I dont think they read their mail, they must open the envelope look to see if there's a cheque and bin the letter without reading it.

 

when will you be sending them their first invoice? It'll be great when you send the debt collectors in. one DCA chasing another, it'll be like Dumb and Dumber

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Gingerheid

Gingerheid

Posted
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I don't follow this assumption that I'll be sending debt collectors in. Why should all you cynical people automatically assume that they won't pay up as and when it's due? They've asked me to carry out work for them, so there's no reason to suppose they won't pay. If I thought they would refuse to pay I wouldn't do work for them, as simple as that!

 

I will operate like any other normal business; I will send an invoice 30 days or so after the first work is done, including all work done for them in that month, and carry on working for them on the same basis as long as I receive the payment within 30 days of that.

 

;)

Number of times I've asked 1st Credit for information that I stil haven't recieved... 55 as at 02/05/07 :!:

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Gingerheid

Gingerheid

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The Late Payment of Commercial Debts Act terms would apply, these laws are put in place to protect small businesses like mine and I intend to use them where necessary. But I expect my customers will be aware of this and will therefore pay on time. If they don't, then they have agreed to a £12 letter fee and £50 litigation referral fee, both of which I'm sure will also be unncessary.

 

Remember, these are professionals we are dealing with, not some bunch of two bit con artists.

Number of times I've asked 1st Credit for information that I stil haven't recieved... 55 as at 02/05/07 :!:

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Gingerheid

Gingerheid

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@ frugal - I tried to edit it, but it won't let me :(

 

@ ODC - you keep getting the wrong idea - of course they *should* pass the invoice for payment. This is not some kind of joke!!! This is a genuine business opportunity that I have identified in a poorly served sector.

 

It can only be for that reason that the DCA have entered into this contract to receive a unqie level of quality service, and it is for that reason that I will be registering as self employed etc.

 

Can anyone think of a suitable name for my business?

 

Aktiv Training?

RobotoTrain?

 

I also need a logo for my letterheads and invoices.

 

Any thoughts?

 

sealxw2.th.gif

 

sealvw8.th.gif

 

sealdj3.th.gif

Number of times I've asked 1st Credit for information that I stil haven't recieved... 55 as at 02/05/07 :!:

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djdave

djdave

Posted
Posted

Fantastic! I wish you every success in your new venture :D

  • Barclays: WON!!! It took four months but was totally worth it!
  • Cabot: I'm still waiting for an enforcable agreement, more than a year after requesting it. Go on, Uncle Ken, take me to court if you dare. You know you want to!
  • Elephant.co.uk: VICTORY - they admitted there was no debt!
  • Ashbourne Management (gym membership): Finally got my default removed and out-of-court settlement; I'm not finished with them yet!

<--- If I've been helpful please remember the scales ;)

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Jeff2000

Jeff2000

Posted
Posted
@ frugal - I tried to edit it, but it won't let me :(

 

@ ODC - you keep getting the wrong idea - of course they *should* pass the invoice for payment. This is not some kind of joke!!! This is a genuine business opportunity that I have identified in a poorly served sector.

 

It can only be for that reason that the DCA have entered into this contract to receive a unqie level of quality service, and it is for that reason that I will be registering as self employed etc.

 

Can anyone think of a suitable name for my business?

 

Aktiv Training?

RobotoTrain?

 

I also need a logo for my letterheads and invoices.

 

Any thoughts?

 

sealxw2.th.gif

 

sealvw8.th.gif

 

sealdj3.th.gif

 

 

 

Hello Gingerheid,

 

 

Will you eventually be recruiting?:-)

 

Or, maybe start some franchises?:grin:

 

 

This could go multinational!!!

 

 

Jeff.

http://www.consumeractiongroup.co.uk/forum/campaign/210533-mbna-harrasment-calls-petition.html
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allykat

allykat

Posted
Posted

If you are recruiting, I finish uni in 2 weeks :D

 

I think you should offer this service to more DCA's, this could be quite a good little earner for you!

 

V best of luck to ya ;-)

Hit the scales, you know you want to :p

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Robdblynd

Robdblynd

Posted
Posted

Don't know who you're dealing with but offer your services to Robinson, Way & Co. Ltd, their staff could do with lessons in how to respond to clients.

 

Good luck, it sounds like a brilliant idea, hope they take you up on it. ;)

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