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    • Hi. Could you post up what they've sent please so we can see what the charge is? Cover up your name and address and their reference number. HB
    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
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Question about Sheriff court decrees and debt selling


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Hi everyone,

 

 

I am pretty sure none of my creditors have ever taken court action against me, but I am still curious about sheriff court decrees and debt selling.

 

My question: I have several debts which are now almost 8 years old,

and know that the debts have all been sold on, probably several times.

 

 

If the original bank or credit card company had taken me to court and gained a sheriff court decree against me,

would that decree be able to be used by any debt-buying companies who later purchased the debt?

 

 

Or does each company who purchases the debt have to obtain their own sheriff court decree, in order to legally demand the money?

 

Thanks,

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As an aside any debt over six years old or five years in Scotland is statute barred, which means no legal action can be taken to enforce the debt. Note:

 

1. This assumes no CCJ has been granted in which case the situation may be slightly different.

 

2. The time starts from the date you last acknowledged the debt or your last payment.

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Thanks.

 

 

I'm wondering if sheriff court decrees (or CCJs in England )

once given against a debtor,

can be used by anyone trying to recover that particular debt,

or if they can only be used by the bank/company that originally obtained the decree in court.

 

 

Does that help?

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yes they can be 'given ' to other dca's as they can apply for a transfer of ownership at the issuing court.

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They have to apply to the court for the transfer of name, normally this gets put through with no problems

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