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    • Thank you for that "read me", It's a lot to digest, lots of legal procedure. There was one thing that I was going to mention to you,  but in one of the conversations in that thread it was mentioned that there may be spies on the Forum,  this is something that I've read quite some time ago in a previous thread. What I had in mind was to wait for the thirty days after their reply to my CCA request and then send the unenforceable letter. I was hoping that an absence of signature could be the Silver Bullet but it seems that there are lot of layers to peel on this Onion.  
    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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SRJ Debt Recoveries - letters received at my address to people unknown


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Can somebody please help me get these lovely people off my back?

 

About a year ago they started sending letters addressed to a woman, purporting to live at my address, and who owed money to a credit card company. At first it was merely a nuisance and I ignored them, sending them back, RTS, not known at this address.

 

However, they continued, then I began to get letters addressed to a man, owing money to BT. After awhile I contacted both companies and told them these people were completely unknown to me and no debts were outstanding at my address. I was told the letters would stop.

 

Now, my little one bedroomed flat has expanded to take in a THIRD person (I have no idea where they all sleep! :???:)

 

I sent the letters off to the OFT earlier this year, and they wrote back, saying they'd look into it, but since then I've received yet more, with threatening tones. This is me now....:-x:mad2::shock:

 

I am sick and tired of getting these. How else can I get them to stop? Who else do I turn to for help? This week I typed a letter (and no, I didn't leave my name and I didn't sign it!), requesting them to stop sending the letters and adding, as they had caused me distress and inconvenience, they would be paying the postage! I even wrote it on the envelope, stating I wouldn't accept the envelope if it was returned back to me. I have wasted enough time, resource and stamp writing off to the OFT: why should I put a stamp on a communication to THEM?:lol:

 

At the same time, I sent off the recent few to the OFT, as if to say 'look, they're still coming!'

 

Any ideas folks? Very many thanks!

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If there not addressed to you why are you even reading them, its an offence to open others mail.

 

If its not your post just bin it or mark "Not At This Address" and stop getting in a flap about it.

 

The more you write to them the more crap they send out. just ignore the planks

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If there not addressed to you why are you even reading them, its an offence to open others mail.

 

If its not your post just bin it or mark "Not At This Address" and stop getting in a flap about it.

 

The more you write to them the more crap they send out. just ignore the planks

 

 

I think I am perfectly entitled to open the letters, alfwithhair! I am the only person to have ever lived at my flat: it was a new build when I moved in! So I write with confidence that the 3 people running up the debts are not known at my address, never have been and never will!

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Once you have established that there is no information on YOUR credit files in respect of these other people, then I would simply be returning them "Adressee unknown" - "Return to Sender"

 

Whilst I agree with alfwithhair that you shouldnt be opening mail addressed to someone else.. if you hadnt, and at a later date discovered that a CCJ had been awarded in default to one of these people.. at your address.. then you would be put to the trouble and expense of resolving this.

 

I too was subjected to a flurry of letters for someone who has the same surname as me.

 

The first was opened in error and subsequent mail was returned "return to sender/not known at this address". I photocopied both the back of the envelope bearing the return address and the front showing that it was being returned.

 

But they kept coming - so I started to open them again and communicate politely that they had the wrong address. In response to a rather unpleasant reply from them some 3 months ago, that also contained a wealth of information about the other person and the statement that they "would be sending someone round to collect what was owed". I sent the following.

 

 

Dear Sir or Madam,

Ref: the enclosed letter to “NAME”

PLEASE DO NOT IGNORE

The enclosed letter was opened in error. Having lived at this property for some XX years, I believe I am entitled to assume that letters delivered here are for ME and for no one else.

I am sick to death of receiving letters for the above named person.

There is no one of that name at this address; there has never been anyone of that name living at this address. A simple check of the Electoral roll will confirm this.

I must insist that you remove this address from your records.

I will be passing a copy of the enclosed letter to the Information Commissioner for their attention.

Please also be aware, that if you should send anyone to my property, the police will be alerted.

I trust I will not be receiving any more letters for the above.

Yours faithfully,

 

Fingers crossed they have gone away.

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If you hand your local postie a letter stating that post

for those perssons is not to be delivered, it should stop,

the delivery office will intercept the mail automatically.

If you don't see your postie a letter to the delivery office

manager will do the trick

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  • 1 month later...

They are a pain in the arse.

 

Been returning their letters not know at the address for the last couple of months. They have now sent a you have been traced to this address letter. Fired off a quick email as like you I have had enough of them informing them that she hasn't lived here for a couple of years and to remove my address from their records.

 

Their trace department must be utter rubbish given that a) she's done bird recently. And b) she has a British gas account at her new address. Ta British gas.

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