Jump to content


  • Tweets

  • Posts

    • Hi.  I've done the pdf merge and attached it to this reply.   I can only find these two letters so don't know what I've done with first two but they were asking for payment, and were basically a copy of each other, just asking for payment, saying i hadn't responded to first letter etc hence the second letter.  Then we got these two (attached).   Nobody remembers this, either seeing a ticket or actually parking there.  If somebody borrowed the car they haven't owned up to it, and now, nearly six years later, we have no idea of this or any memory of it.   For a windscreen ticket (Notice To Driver) please answer the following questions....   1 The date of infringement? 12/04/2016   2 Have you yet appealed to the parking company yet? [Y/N?] no   If you have then please post up whatever you sent and how you sent it and the date you sent it, suitably redacted. [as a PDF- follow the upload guide]   Has there been a response? n/a   Please AS A PDFFILE  ONLY ..post it up as well, suitably redacted. - follow the upload guide]   If you haven't appealed yet - .........DONT ! seek advice on your topic first.   Have you received a Notice To Keeper? (NTK) [must be received by you between 29-56 days] I haven't seen one   What date is on it? n/a   Did the NTK provide photographic evidence? n/a   [scan up BOTHSIDES to ONE PDF of the PCN and your NTK - follow the upload guide]   3 Did the NTK mention Schedule 4 of the Protection of Freedoms Act 2012 (PoFA) [Y/N?] n/a   4 If you appealed after receiving the NTK, did the parking company give you any information regarding the further appeals process? [it is well known that parking companies will reject any appeal whatever the circumstances] n/a   5 Who is the parking company? UK Parking Control ltd   6. Where exactly [Carpark name and town] did you park? Valley Retail Park, Hesterman Way, Croydon   I've attached the front side of the letters below but i don''t know how to reduce the size of the reverse side or where to find the pdfmerge and reduce apps dcbl pdf merged.pdf
    • so they sent a notice of discontinuance to you?   dx  
    • Not good I am afraid. they are still not giving me Dell's return address by email. I have called DPD as well to make sure DPD cant provide me with one.    ---------- Forwarded message --------- From: UKI_CSMB_CC <[email protected]> Date: Mon, 20 Sept 2021 at 06:34 Dear Maria, I may proceed with the return and you have to drop the Laptop at DPD Parcel Shop. Due to some technical issues, we are unable to raise the return. Once the return is raised successfully I will keep you updated through email. Thank you for your patience. Best Regards, Shahbaz Khan Specialist Customer Care Dell Technologies | UKI Customer Care UK Customer Service +0800-587-1456 Ireland Customer Service +003-5312-044-014 Work Schedule 9:00 AM – 5:00 PM GMT Monday - Friday   From: UKI_CSMB_CC <[email protected]> Date: Mon, 20 Sept 2021   UKI_CSMB_CC via agh5b3sb6kdo.0b-gampeak.na98.bnc.salesforce.com    Dear Maria, We will inform you once the return has been raised. So that you can return the order. Thank you.   On Fri, 17 Sept 2021 at 13:08, UKI_CSMB_CC <[email protected]> wrote: Dear Maria, Thank you for contacting Dell Customer Care. My name is Shahbaz Khan I understand that you would like to return the order # 191853809 I would request you to please reconsider your decision. If you consider keeping the product, I would be able to offer you a goodwill refund of 130 GBP, including VAT. If you would still like to return the product, I may proceed with the return and you have to drop the Laptop at DPD Parcel Shop. Please reply to this email with your decision. We are awaiting your response. Please reply to this email without changing the subject line & we would be glad to assist you with any further assistance. Thank you for choosing Dell. Kind regards, Shahbaz Khan Dell | Customer Care
    • For a windscreen ticket (Notice To Driver) please answer the following questions....   1 The date of infringement? 12/04/2016   2 Have you yet appealed to the parking company yet? [Y/N?] no   If you have then please post up whatever you sent and how you sent it and the date you sent it, suitably redacted. [as a PDF- follow the upload guide]   Has there been a response? n/a   Please AS A PDFFILE  ONLY ..post it up as well, suitably redacted. - follow the upload guide]   If you haven't appealed yet - .........DONT ! seek advice on your topic first.   Have you received a Notice To Keeper? (NTK) [must be received by you between 29-56 days] I haven't seen one   What date is on it? n/a   Did the NTK provide photographic evidence? n/a   [scan up BOTHSIDES to ONE PDF of the PCN and your NTK - follow the upload guide]   3 Did the NTK mention Schedule 4 of the Protection of Freedoms Act 2012 (PoFA) [Y/N?] n/a   4 If you appealed after receiving the NTK, did the parking company give you any information regarding the further appeals process? [it is well known that parking companies will reject any appeal whatever the circumstances] n/a   5 Who is the parking company? UK Parking Control ltd   6. Where exactly [Carpark name and town] did you park? Valley Retail Park, Hesterman Way, Croydon   I've attached the front side of the letters below but i don''t know how to reduce the size of the reverse side or where to find the pdfmerge and reduce apps dcbl111 (1).pdf dcbl222 (1).pdf
    • Discover Logistic Supply Specialist Apprenticeships With The British Army and #CreateYourFututreView the full article
  • Recommended Topics

  • Our picks

  • Recommended Topics

Equidebt - Heatons CCA Request Abbey Loan


moneydragon
 Share

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4020 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

Hi

 

I sent a cca request to both Heatons and Equidebt as a debt from Abbey has been passed onto these. I have since found out that Heatons were collecting on behalf of Equidebt.

 

Neither responded to my request so on 27.6.07 I sent them both a letter informing them that their time was up and that whilst this account remained in dispute no further payment would be made and I then cancelled my dd.

 

Today I have received correspondence from Equidebt that Heatons will no longer be collecting and that all payments must now be made direct to them. seem like my letter of 27.6.07 has fallen on deaf ears!!

 

My question is can anyone direct me to a letter that yet again confirms what I have already stated back in June? I have seen it on here but after 2 hours of scrolling my brain is now completely gone into shut down!

Link to post
Share on other sites

  • Replies 67
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Hi moneydragon,i started a thread on this subject a few days ago,equidebt and heaton's have done this to me a few times now,is this normal for these two company's to do this ???

 

 

 

Sorry to hi-jack,but very interested to see what happens.

[COLOR="black"][SIZE="7"][/SIZE][/COLOR][COLOR="palegreen"][/COLOR][COLOR="darkorange"][/COLOR]Bless You,The Reverend[FONT="Century Gothic"][SIZE="6"][/SIZE][/FONT]

Link to post
Share on other sites

MD try this, should make them think:

 

Re: my request under s78 of the Consumer Credit Act 1974.

 

Thank you for your recent letter sent to me dated 21st June 2007, the contents of which are noted. However, the reply received by me does not fulfil your requirements under the Consumer Credit Act 1974.

 

The Act demands that I be supplied with a true copy of any properly executed credit agreement that exists in relation to the above account. I may ask for this on demand providing that a fee of £1.00 is paid. This fee was sent with my original letter, dated 26th April 2007. Upon receipt of the original request the specified account legally entered into disputed status.

 

My request remains outstanding. An application form does not constitute a true copy of a credit agreement and that which you sent doesn't even contain all the prescribed terms and is not 'properly executed'. The statements sent do not correspond to the amount stated in your earliest correspondence and therefore they do not satisfy the requirement to supply me with a statement of account.

 

As you will know, under the Consumer Credit Act 1974, a judge is not permitted to make any enforcement order unless the creditor can provide a true signed copy of the original credit agreement. This means that unless you can produce such an agreement, this alleged debt is not enforceable in law.

 

You had until 25th May 2007 to provide me with the true copy I requested. After that date you entered into default of my request. Whilst the account is in dispute, you are not permitted to ask for any payment, nor am I obliged to offer any payment to you. Furthermore, whilst the dispute remains, you are not entitled to charge any interest on the account, nor make any further charges to the account. Additionally, you are not entitled to register any information on this account with any credit reference agencies (or any third party).

 

To register information with a credit reference agency, you must have written consent from the data subject to collate and share such information. This consent is given in the form of a signed credit agreement, so until you produce such an agreement, you may not do this.

 

The requirement for consent to share data is a clear requirement of the Data Protection Act 1998. Any such attempts to share my data without my consent will be met with a complaint to the Information Commissioners Office.

 

The time limits, which are laid down in the Consumer Credit (Prescribed Periods for Giving Information) Regulations 1983 are clear. You must supply an executed credit agreement within 12 working days of a proper CCA request. If you fail to comply with a legitimate request the account enters a default situation and if you fail to comply after a further 30 days you commit an offence. You entered into a default on 25th May 2007 and subsequently committed a criminal offence on 25th June 2007.

 

Therefore you have 7 days from receiving this letter to contact me with your intentions to resolve this matter which is now a formal complaint, otherwise your conduct will be reported to the Office of Fair Trading, the Financial Ombudsman and Trading Standards. Any investigation undertaken by them may affect your ability to offer credit in the future.

 

To sum up, I will not be making any further payments to you until you provide me with the document I have requested. Should you not have any signed credit agreement in relation to this alleged debt, please confirm this in writing to me.

 

I look forward to your reply.

 

Yours faithfully

Be VERY careful whose advice you listen too

Link to post
Share on other sites

Really there is no great point in writing to them until they have committed the summary criminal offence. They are aware of their legal obligations.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

Link to post
Share on other sites

  • 4 weeks later...

Hi all, just to update received the following from Equidebt today:

 

I acknowledge receipt of your letter dated **/**/**. I have noted your comments and I can confirm that the account is awaiting instruction from our client.

If in the meantime you need to contact us about any aspect of this matter please call the following free phone number blah blah.

Yeah as if ;)

 

Reverend - any news?

Link to post
Share on other sites

Hi all, just to update received the following from Equidebt today:

 

I acknowledge receipt of your letter dated **/**/**. I have noted your comments and I can confirm that the account is awaiting instruction from our client.

 

If in the meantime you need to contact us about any aspect of this matter please call the following free phone number blah blah.

 

Yeah as if ;)

 

Reverend - any news?

 

 

Hiya Moneydragon, ditto :)

[COLOR="black"][SIZE="7"][/SIZE][/COLOR][COLOR="palegreen"][/COLOR][COLOR="darkorange"][/COLOR]Bless You,The Reverend[FONT="Century Gothic"][SIZE="6"][/SIZE][/FONT]

Link to post
Share on other sites

Hiya Reverend

 

So it's just a case of waiting for their next move.

 

Sure is taking them long enough to track the credit agreement down!;)

 

 

 

If i have learnt anything since finding this wonderful site and helpful people that offer advice,patience :) No need to prod something that doesnt need a prod ;)

[COLOR="black"][SIZE="7"][/SIZE][/COLOR][COLOR="palegreen"][/COLOR][COLOR="darkorange"][/COLOR]Bless You,The Reverend[FONT="Century Gothic"][SIZE="6"][/SIZE][/FONT]

Link to post
Share on other sites

I know, I just was being a bit sarcastic and I had my boxing gloves on ready, but I can wait!!

 

 

 

 

Lol :), i know what you mean,no post again today :D

[COLOR="black"][SIZE="7"][/SIZE][/COLOR][COLOR="palegreen"][/COLOR][COLOR="darkorange"][/COLOR]Bless You,The Reverend[FONT="Century Gothic"][SIZE="6"][/SIZE][/FONT]

Link to post
Share on other sites

Lol :), i know what you mean,no post again today :D

 

Yeah, I use to dread seeing the postman walk up the road hoping he would walk on past my house, but since finding this site I eagerly await for him walking down my path. Sad isn't it:)

Link to post
Share on other sites

  • 2 weeks later...

Hi moneygragon,any update yet from Equidebt ( Heatons ) or whatever there called this week ?? :)

[COLOR="black"][SIZE="7"][/SIZE][/COLOR][COLOR="palegreen"][/COLOR][COLOR="darkorange"][/COLOR]Bless You,The Reverend[FONT="Century Gothic"][SIZE="6"][/SIZE][/FONT]

Link to post
Share on other sites

I acknowledge receipt of your letter dated **/**/**. I have noted your comments and I can confirm that the account is awaiting instruction from our client.

 

If in the meantime you need to contact us about any aspect of this matter please call the following free phone number blah blah

 

I got one of them as well.

 

I thought it was not a computer generated one:mad:

 

HAK

Link to post
Share on other sites

 

I got one of them as well.

 

I thought it was not a computer generated one:mad:

 

HAK

 

Hiya HAK

 

I like to think it is not a generated one, but that it is down to all the good advice from this site that they have received a few of the same requests and we have caught them out by them not having the original ca

 

Always the optimist!;)

Link to post
Share on other sites

Hi moneydragon and HAK,seems pretty much standard letter i think.Sit and wait for there next correspondence :)

[COLOR="black"][SIZE="7"][/SIZE][/COLOR][COLOR="palegreen"][/COLOR][COLOR="darkorange"][/COLOR]Bless You,The Reverend[FONT="Century Gothic"][SIZE="6"][/SIZE][/FONT]

Link to post
Share on other sites

  • 2 months later...

Hi

 

Receive the following from Equidebt:

 

I enclose a copy of the original credit agreement and can confirm that we are now able to enforce the repayment of the debt.

Presumably you are not claiming that you did not enter an agreement to borrow money from **** as we not you have made repayment. If you are then as I am sure you will appreciate the matter will need to be investigated as a suspected fraud.

Regarding your comments relating to the data protection act 1998, we do not consider that there has been sufficient evidence at this stage to demonstrate that the data is being procedded "unfairly" or "unlawfully".

We are prepaared to accept a resonable and realistic repayment arrangement to discharge this debt. To discuss please call blah blah.

Can someone be good enough to look at the agreement and let me know if it is enforceable. If it is then I am prepared to start repayments however not the same as before as I am on incapaticity benefit and I struggled to meet what they were demanding before.

 

Equidebt have still not complied fully as I requested a statement of payments and a balance and todate they have not done so.

 

Any advice:)

 

Having trouble uploading as it has been saved as tif format

Link to post
Share on other sites

Hi

 

I got the same letter when they sent my agreement,

Thing is they never sent me the T&C so I wrote back.

 

Got a letter the other day saying we have passed your query on to the vendour.

 

Post the agreement up so we can have a look

 

HAK

Link to post
Share on other sites

Subscribing. I have similar probs with Equidebt. I requested CCA, they sent a few dodgy looking statements, but no CCA. They committed summary offence back in June, so I eventually sent CCA non compliance letter. They then sent me a copy application form along with a stroppy letter along similar lines to yours re fraud. I just ignored it and as yet I haven't heard anymore...although I'm sure I will soon enough.

Good luck.

Link to post
Share on other sites

  • 2 weeks later...

hi

 

Have managed to upload the cca that Equidebt have sent me. Could someone please look at this and confirm if it is binding.

 

If so, what is my next step as they have failed to prove that they have the right to collect this by send me notice.

 

Also today I have received a letter from them demanding full settlement and my failure to respond could result in further action being taken through the County Court without further notice.

 

 

 

 

232323232%7Ffp53256%3Evq%3D3346%3E332%3E23%3A%

 

 

 

Please help.

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...