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    • Wait for more replies, but that letter to me can be interpreted as a letter before action. Ignoring it can have consequences. The court to impose sanctions for failure in responding to a letter of claim.
    • I'm still pondering/ trying to find docs re the above issue. Moving on - same saga; different issue I'm trying to understand what I can do: The lender/ mortgagee-in-possession has a claim v me for alleged debt. But the debt has only been incurred due to them failing to sell property in >5y. I'm fighting them on this.   I've been trying to get an order for sale for 2y.  I got it legally added into my counterclaim - but that will only be dealt with at trial.  This is really frustrating. The otherside's lawyers made an application to adjourn trial for a few more months - allegedly wanting to try sort some kind of settlement with me and to use the stay to sell.  At the hearing I asked Judge to expedite the order for sale. I pointed out they need a court-imposed deadline or this adjournment is just another time wasting tactic (with interest still accruing) as they have no buyer.  But the judge said he could legally only deal with the order at trial. The otherside don't want to be forced to sell the property.. Disclosure has presented so many emails which prove they want to keep it. I raised some points with the judge including misconduct of the receiver. The judge suggested I may have a separate claim against the receiver?   On this point - earlier paid-for lawyers said my counterclaim should be directed at the lender for interference with the receiver and the lender should be held responsible for the receiver's actions/ inactions.   I don't clearly understand that, but their legal advice was something to do with the role a receiver has acting as an agent for a borrower which makes it hard for a borrower to make a claim against a receiver ???.  However the judge's comment has got me thinking.  He made it clear the current claim is lender v me - it's not receiver v me.  Yet it is the receiver who is appointed to sell the property. (The receiver is mentioned/ involved in my counterclaim only from the lender collusion/ interference perspective).  So would I be able to make a separate application for an order for sale against the receiver?  Disclosure shows receiver has constantly rejected offers. He gave a contract to one buyer 4y ago. But colluded with the lender's lawyer to withdraw the contract after 2w to instead give it to the ceo of the lender (his own ltd co) (using same lawyer).  Emails show it was their joint strategy for lender/ ceo to keep the property.  The receiver didn't put the ceo under any pressure to exchange quickly.  After 1 month they all colluded again to follow a very destructive path - to gut the property.  My account was apparently switched into a "different fund" to "enable them to do works" (probably something to do with the ceo as he switched his ltd co accountant to in-house).   Interestingly the receiver told lender not to incur significant works costs and to hold interest.  The costs were huge (added to my account) and interest was not held.   The receiver rejected a good offer put forward by me 1.5y ago.  And he rejected a high offer 1y ago - to the dismay of the agent.  Would reasons like this be good enough to make a separate application to the court against the receiver for an order for sale ??  Or due to the main proceedings and/or the weird relationship a borrower has with a receiver I cannot ?
    • so a new powerless B2B debt DCA set up less than a month ago with a 99% success rate... operating on a NWNF basis , but charging £30 to set up your use of them. that's gonna last 5mins.... = SPAMMERS AND SCAMMERS. a DCA is NOT a BAILIFF and have  ZERO legal powers on ANY debt - no matter WHAT its type. dx      
    • Migrants are caught in China's manufacturing battles with the West, as Beijing tries to save its economy.View the full article
    • You could send an SAR to DCbl on the pretext that you are going for a breach of your GDPR . They should then send the purported letter of discontinuance which may show why it ended up in Gloucester and see if you can get your  costs back on the day. It obviously won't be much but  at least perhaps a small recompense for your wasted day. Not exactly wasted since you had a great win  albeit much sweeter if you had beat them in Court. But a win is a win so well done. We will miss you as it has been almost two years since you first started out on this mission. { I would n't be surprised if the wrong Court was down to DCBL}. I see you said "till the next time" but I am guessing you will be avoiding private patrolled car parks for a while.🙂
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Digi-bill, RHF Productions, Wescot


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Hi, I've just had a "Final notice" letter from wescot about a debt from digi-bill, it started in February when I had a letter from digi-bill saying " when you registered with us you indicated that you would make payment by credit card. Unfortunately this transaction was unsuccessful and the latest reason given was DECLINED".

It then went on to ask how I was going to pay, the letter looked poor giving no indication to what I had bought, a date or invoice number, one address in Jersey and another po box in scotland, also it gave no amount.

I decided to ignore it, then in March I had another exactly the same letter, except for the heading was from RHF productions.

I have now had 4 letters from them, and 2 from wescot, wescot put the outstanding balance as £35.94.

So after googling I found it's likely to be for adult films from sky, there are 2 sky boxes in the house but I don't watch them, I've asked my family and no one admits to it.

The thing is the letters look poor, if I hadn't looked on the internet I would still have no idea what it was for, why did they give whatever it was if the credit card was declined.

Am I responsible for it because sky is in my name? None of the letters mention sky.

I know it's not a large amount but I don't want to pay for something I've not had.

I've came to this site via google, and found this thread:

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/129233-debt-demand-wescot.html

Should I send the letter that N.P posted?

I could just leave it and see if they send me to court, I've never been to court and it'll be interesting, though I'll have difficulty getting there.

Gees this is a long post, hope someone reads it and can advise me.

 

Thanks

riget.

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Surely if the payment did not go through, then the film would not have been shown? If that is the case why are they chasing you?

 

I don't know, and I don't see why I should pay for a phone call to find out.

I don't know if I should carry on ignoring it, or send a letter.

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You could try this letter

 

Dear Sir/Madam

 

Account no:

 

You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.

 

I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).

 

I am/we are familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

 

I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

 

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

 

I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.

 

I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

 

I/we look forward to your reply.

 

Yours faithfully

 

 

 

(Your Name) Print do not sign

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Thanks for that, still not sure if I should send a letter or not, seems a lot of effort, time, and postage for a £35 bill.

I can see a lot of people just paying to end it.

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  • 2 weeks later...

I never sent a letter, and have now had another letter from wescot, this is for another amount £17.97, the digibill ref no is the same but with -A after it, the wescot debt no is different.

I've not had a letter from digibill or RHF for this amount.

The letter says:

If you ignore the instructions and fail to take action by 20/06/2008

This may result in one of the following:

1. Legal proceedings being automatically issued against you in the county court/sheriff's court-which could result in:

A county court judgment or decree against you

Your possessions being seized

Your debt increasing because of court costs

2. A debt collector being instructed to visit your home and collect the debt personally.

 

Do I keep ignoring these or should I now do something?

 

Thanks.

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On balance you are probably better to send the letter that Saintly posted for you.

First it is a lot cheaper than paying them £35 or whatever.

Second if you keep ignoring them they will continue to write and hassle. On top of that once you have put them in the picture and they continue there is a chance you can offload them on to Trading Standards etc to get rid of them.

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  • 5 weeks later...

Ok just got this letter from Wescot:

 

We can confirm that as a consequence of the query you raised, the above account has been returned to our client.

No further action will be taken by wescot to recover the above account.

 

Looks like the letter worked, Thanks for the help.

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