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    • If that was the reason then that is good news. The whole reason that being able to charge £100 for breaching private car park rules is because the law Lords decided in a celebrated case that the rogues had a legitimate interest in keeping their car park spaces available for all motorists . {parking Eye v Beavis]. However when the business is closed then there is no legitimate interest in keeping spaces free so to charge £100 is a penalty. As such any Court would automatically throw out the case when the penalty charge is accepted.
    • gives them a feeling of grandeur. dx  
    • yep they can be a bit like the TV licencing lot. for 4yrs ive been getting a series of about 8-10 diff letters that just go round a loop. currently upto 61
    • thread tidied. new thread for the court claim is here  
    • new thread created for this claimform please post here now for anything to do with it now . pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’. Choose ‘Create sign in details’ to register for the first time. You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID. You should make a note of your memorable word, or password as these are not included in the email.  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .. get a CCA Request running to the claimant . https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/ .. Leave the £1 PO unsigned and uncrossed . get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant] ... https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . .use our other CPR letter if the claim is for an OD or Telecom Debt or Util debt]  https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ on BOTH type your name ONLY Do Not sign anything .do not ever use or give an email . you DO NOT await the return of ANY paperwork  you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count] ..............  
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    • 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.  

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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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DEBT Collection Agency of the YEAR Awards


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comedian Ed Byrne has been confirmed as the celebrity guest host for the first ever Debt Collection Agency (DCA) of the Year awards, which take place in Birmingham on 28 November this year.

 

First ever DCA of the year awards?? How come there are results from last year??

 

I knew their information and record keeping was a bit crap, but I didn't realise it was that bad :) The Hilton Metropole in Birmingham is about to get bombarded with letters and 'phone calls from Lowells because they won't be too sure why they are on their list of 'things/people to do'.....and Ed Byrnes chances of getting his fee from Wescot are about the same as him getting a BAFTA award for comedy..........very small indeed.

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HOIST BY THEIR OWN PETARD.

 

Blimey it works....:-)

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Should we not all send in nominatious for the good work cag are doing to assist the Debt Collection organisations become law abiding above board organisations.

 

the work we are all doing challenging these people is free consultation for them and in the long run they will benefit from us.

 

I do have concerns that with all the work we are doing and pushing the DCAs to tidy up their tactics and paperwork, the future debtors will have a more difficult fight on their hands that the current debtors.

If I have helped click my scales....

 

Find my threads by clicking here

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I do have concerns that with all the work we are doing and pushing the DCAs to tidy up their tactics and paperwork, the future debtors will have a more difficult fight on their hands that the current debtors.

 

I think you're probably right, but with ID cards on the way and a more central pool of information, I think you'll find creditors will switch back to their own in-house style of collection, and DCA's will play a much lesser role in tracing and collections. Purchasers showing huge profits for very little outlay will become a nice little earner for the taxman at some point, and they will shrink too.

 

There won't be much need for DCA's when you can start raking it back in yourself, and possibly increase your own profits. Lloyds TSB are already heading in that direction and it's a side effect of the charges issue.

HOIST BY THEIR OWN PETARD.

 

Blimey it works....:-)

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i think i will nominate, i will send one blank sheet of paper and a note saying .

sorry i could not name ONE dca who has not used dubious, underhand, sly nasty, intimidating actions, dca are, by their very nature, parasitic like and should be treated in the same way as most parasites. (i have said this as mildly as possible)

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What must be learned from what CAG and The Cabot Fan Club have achieved is that every step we are taking is making the Debt Collection Industry work harder and smarter to clean their act up. Debt Mountain is right, what is happening is not always evident in the public eye, but the people following us will be the benefactors because time after time, and there's one in court this very morning challenging what Cabot are doing, they are being knocked back and being told by the authorities that they have to do things within the law.

 

Go back on the threads started by tbern123, seahorse, Debt_Mountain and numerous others - what was the objective? - To Get the industry to abide by the law - well now it's happening and there are dozens of people compiling their knowledge and wisdom, researching their tactics, creating public blogs and finding information which is exposing them like never before. What we need is for the Ministers in charge of these so called Regulators to realise that each and every case is not an ' isolated case' as happens when the Information Commissioner gets contacted by deftly speaking solicitors like Willem Wellinghoff trying to talk his way out of trouble. Well they can only do that so often before the Information Commissioner gets wind that these are not isolated cases at all. COMPLAIN if they do not comply with CCA requests or Subject Access Requests - the more the merrier and soon, they will get their license revoked because this is going on wholesale and they are still dumb enough to keep sending out these letters we see here daily which are in clear breach of the regulations. Most of you don't realise this, but read the threads and put these unlawful practices to bed once and for all for all those who follow.

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Ministers or the Civil Service won't listen, at least not until it suits them.

 

Many of these agencies/charities are doing a fantastic job of gathering information which otherwise could remain hidden or private. The link provided earlier is proof that Experian and the Gov have a working relationship over information gathering and usage, and some DCA related companies even have MP's on the board. CCCS and the like (God bless 'em) gather together the stray sheep back into the fold, and then once a repayment schedule is agreed and established the debt is sold to a purchaser, along with all their personal information.

 

Information can be just as valuable as the debts themselves, and as long as all these companies are fighting behind the scenes for a slice of the upcoming ID card database action, no-one with any clout will notice the present practises until it becomes necessary to convince Joe Public and Janet Street-Person that ID cards are the safest and best way to go.

 

It's Social Engineering at it's best. One of the few things on which the Yanks still look to us for inspiration.

HOIST BY THEIR OWN PETARD.

 

Blimey it works....:-)

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HomeNewsJobsMedia PackDiscussion ForumEvents Diary 600px_dot.gifshim.gifshim.gif

Our most interactive conference to date

Collections07%20resized%20for%20e-telligent.jpgds&p.jpg

 

 

 

The Collections/Debt Sale & Purchase conference returns on 28/29 November with a new interactive format. Extensive research earlier this year amongst collections and debt sale professionals identified the hot topics they wanted to learn more about. With a programme devised to specifically address these issues, we have sourced established industry figures who will offer advice, insight and knowledge to help you maximise your business potential. CLICK HERE to download the full programme which includes key highlights such as:

  • Creditors who offer insight into which collections technologies offer best results
  • Key industry figureheads respond to the recent Watchdog television programme, which critised the industry for mis-tracing debtors
  • Valuing a debt portfolio – if you're selling or buying, make sure you know how to value it properly
  • Exclusive research from Salans on the impact of default charges and the unfair relationships provisions in the 2006 CCA

Training to improve your collections success

Don't miss the one day collections training course, running on 29 November. This session, run by Mike Connolly - one of the UK's leading trainers in all aspects of credit control, debt recovery and related law - will be highly interactive, including live calls to real debtors. This hands on approach will provide trainees with best practice for problems and issues which present themselves regularly in their day to day job.

For more information on the training please call us on 020 7940 4835 or e-mail Steph.

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HomeNewsJobsMedia PackDiscussion ForumEvents Diary 600px_dot.gifshim.gifshim.gif

Our most interactive conference to date

 

 

Collections07%20resized%20for%20e-telligent.jpgds&p.jpg

 

 

 

Training to improve your collections success

Don't miss the one day collections training course, running on 29 November. This session, run by Mike Connolly - one of the UK's leading trainers in all aspects of credit control, debt recovery and related law - will be highly interactive, including live calls to real debtors.

 

Lets hope this wa*ker rings a cagger like DMD, Rory, Curlyben, Seahorse or me.

 

Methinks there could be a serious legal offence committed. Still I would relish a call from Mug sorry Mike. I would love to see him made a fool in front of all the eager beavers from the DCAs

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Put 29 November in the diary - answer phone on this day. I have about 8 chances of being that person.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Lets hope this wa*ker rings a cagger like DMD, Rory, Curlyben, Seahorse or me.

 

Methinks there could be a serious legal offence committed. Still I would relish a call from Mug sorry Mike. I would love to see him made a fool in front of all the eager beavers from the DCAs

 

 

I do hope they pick on a CAGGER or CFC person with these live phone calls - they will get an education :D

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Mike : Hello this is Mike Hunt calling

 

DMD : Hello

 

Mike : Is that Mr DMD?

 

DMD : Yes

 

Mike : I need to go through some security questions with you

 

DMD : Pass

 

Mike : Come on Mr DMD you MUST comply

 

DMD : Pass

 

Mike : Its about your Sharklycard Account

 

DMD : Pass

 

Mike : I have a once in a lifetime proposal for you

 

DMD : And I have one for you mate

 

 

 

...........................BT mysteriously disconnect call. Mike sits down to uproarious applause from the faithful brainwashed muppets

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I have heard that Mike's older brother Warwick is also a DCA employee:p

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BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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I really do hope Mike falls flat on his face as he tries to contact a debtor live on air. I wonder if he is fortunate to get through to someone how many sections of the DPA he will be breaking by broadcasting the conversation to a hall full of assholes

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