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    • 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 and that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim and don't 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 members of suggested above – it should be the final version. court, that I would respectfully requestup but 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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I'm worrying about my Partner's debt


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Hi :)

 

I'm trying to help my partner,

who's been living with me but has ignored debts of approx £10k for a minimum of 6 years

which accumulated before my partner arrived in my life.

 

My partner with encouragement has tried general counselling but it wasn't long enough time spent to get to the root of the problem.

 

Is reluctant to seek further help.

 

With a MH condition I'm wondering if it might be possible though to get MIND to help....

 

Doesn't want to file for bankrupcy though.

 

Been out of work, then my carer so can't afford to pay loans back.

 

Is there a risk at my home of bailiffs?

 

Are there any other options I can steer my partner towards?

 

Any ideas are appreciated, thanks.

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best policy is check his creditfile

 

what shows

 

and why are you worried

are you getting letters?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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In order for bailiffs to visit your home the creditor would of been to court and got a CCJ

even if they got a CCJ there is no right of entry no force for a high court enforcement officer to a residential address

You do not need to open door to them

 

If your partner has gone 6 years with no payment on the accounts they may be statue barred

 

If there was going to be any court and CCJ I expect they would of done it years ago

 

Check the credit file noodle is free

If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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Thanks for your replies, I'll check his Noddle credit file. (Having a look at the moment... it wants to identify him by his bank card and wants numbers is this normal?)

 

No I'm not getting any letters, phew!

 

I'm so glad to hear there is no right of entry to a residential address. I had contemplated I could get stress at my front door. Big phew!

 

There has definitely not been any payments made.

 

This 'statute barred' looks very interesting.

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its for verification

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Ahh okay thanks. It looks like a clear Noddle report at current address but need to check on a previous address which seems to take a further month to obtain on this account. Then hopefully we will know if there were any court actions.

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so all his past addresses are not showing in linked addresses?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Trust online will show up any current CCJs ( there is a charge for this).

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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No there's no linked addresses, we've had a look through all the different sections. We've had to edit his current profile address on Noddle to an old one where he had the loan so that when it does a monthly update it will show anything outstanding at his previous address.

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How much do they charge for checking CCJ's?

I believe it's around £4.00 per address, But the system is accurate and up to date.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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I've searched Trust online in the Orders & Judgements section and I'm pleased to find there is nothing registered.

 

But what if a CCJ was registered prior to these 6 years? I guess I can't check anywhere prior to 6 years can I?

 

I found this article through Googling 'statute barred'.

 

http://www.debtwatchdog.com/statute-barred-debt-england-and-wales-Article-215.html

 

So have I got this right?

 

If a CCJ has been registered before (but not currently on the list) this means statue barred does't apply, so the loan company could pester him in the future.

 

But if a CCJ has never been registered before statue barred does apply, the loan company could still pester him in the future but would only be successful if he was to admit he owed them in the first place.

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if anyone does not enforce a CCJ in the 'allowed' 6yrs

then it extremely rare for enforcement to be granted outside of 6yrs

 

I think you are worrying about nothing.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I think you can safely ignore any threat of court action now, there has been plenty of time for any action to be taken.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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*Shocked.......* Wow!

 

I can't understand why they wouldn't have registered a CCJ.

 

But I guess if my partner didn't respond to any letters and no payments were made

and then my partner moved to a different address they gave up trying to find him.

 

Wow thanks for helping me put things into perspective. *Relief*

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the CCJ will always be registered

 

however it over 6yrs so drops off CRA file.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I've got the dates muddled up.

It was Sept 2008 my partner was made redundant due to the company closing the branch. This was when my partner was unable to make payments. So if a CCJ was registered it would have been just in the period after redundancy, so it would still show on the list waiting to come off. So then a CCJ might not have been taken out against my partner? :???:

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I've got the dates muddled up.

It was Sept 2008 my partner was made redundant due to the company closing the branch. This was when my partner was unable to make payments. So if a CCJ was registered it would have been just in the period after redundancy, so it would still show on the list waiting to come off. So then a CCJ might not have been taken out against my partner? :???:

Possibly yes. Did you check previous addresses (if any)?

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 2 weeks later...

Yep I checked his address where he was living at the time and nothing was registered. (It just sounded like too much of a miracle ending, I couldn't believe there would be any law on the side of the people in this day and age.) Thanks so much for putting my nightmare problem into a new perspective. Much, much appreciation.

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