Typical DCA....lol not for life just 6 years.......lol

As you wish to pay your debts, why not inform the DCA's of your hard times, and explain your situation to them,Im sure they will listen more sympathetically than this forum ever could, maybe they could explain to you how to defend your CCJ or SD claim, maybe they will also guide you through the whole debt and court process hand in hand, and offer more support than this forum. Maybe they wont lie to you, maybe they wont add charges, maybe they wont add interest, maybe they wont harrass you day and night, maybe they wont ccj you, maybe they wont send the bailiffs round, maybe they wont send threaten letters to your home. Maybe you might get a DCA who does not give a toss about your situation, and just wants your money and does not care how they get it or what they have to put you through to get it.

County Court baliffs only call when requested by who ever got the CCJ, when a payment has been missed, and in my experience with them they always send you a letter first, to give you 7 days to contact them and sort something out, only when the letter is ignored do they call.

I have many dealings with County Court Baliffs, and there is nothing to worry about, have a read of my link I did some time back, please dont worry about them, just remember THEY CANNOT FORCE ENTRY. http://www.consumeractiongroup.co.uk/forum/showthread.php?231269-My-Experience-with-Court-Bailiffs&p=2562813&highlight=#post2562813

My credit score is as black as a gorillas ping pongs, For years now I have used HSBC basic bank account,you get a cash card,paying in book, its everything you need,online banking etc, no debit card or OD facility. and I love the 02 cash manager visa card. this is perfect for me as I NEVER want any form of credit again.

could not agree more with whats been said, I have been at the bottom with a shovel, then I found CAG and it just got better, this is a hand in hand, all the way forum, any letters or help then this place is a gold mine, CAG will lead you to the light. DCA are bottom feeders, and their tool of choice is fear, when you overcome the fear and use the law then the whole table of power shifts to you. You will soon see the whole thing change from fear,stress and worry to a simple chess game,they make a move ,you counteract and block it, just keep posting your concerns and you will get the help.

Had similar fun with CQ, they just ignored my requests, the only way I got them to address my questions was to stick them with a complaint to why they refused to answer my points, they then eventually answer some of your points, then I just fire in with another complaint....all good fun but it keeps them busy..

Thanks for the input dx100uk, just dusted off the docs I was sent some time back, it would seem I made an error, a good error though, CQ claim the last payment was 01 April 2005 and not the 30 April 2005 as I first thought.....so SB on by their terms on 01 May 2011.

So set aside at this point sounds better than a straight forward ignore.

Thanks for the advice and help DonkeyB, they claim the payments where made by DD, never been a fan of DD so wouldnt have used it, and they didnt respond to my CPR, however they did send a letter asking for a £10 payment, as they stated it was a SAR, and not a CPR that I was asking for(soon fired into them over that and that was the last I heard from them). More than happy to set it aside on the basis they used the SD as a threat and never sent me any info for my CPR request.

First class post, DonkeyB

Hello again Cager's, a little problem has arisen and need some input and advice, Well most of my debts have fallen off the radar now, Stat barred and all that, but CQ seem to want to play and chance their arm. My last contact with CQ was well over a year ago, when they used the SD threat, so fired off a CPR letter in response to their threat and all went quiet, Now the original debt was an Egg Loan, which became Stat Barred on December 10 2010, now they sent me some statements saying that I made payments and by their records the last payment was made April 30 2005.(not that I believed any of it, to this day I dont remember making a single payment to Egg on this alleged account). So by their own statements the debt would be Stat Barred 30 April 2011, no big deal I will sit it out, but now the fun starts, today when I returned home, and I was welcomed with a SD letter, by the famous Mr Barry Davies, sent normal mail first class..... So after reading surfaceagentx20 excellent thread, I thought I will just ignore it, just them desperate for cash, but now the more I think about it, so I have 18 days to respond, well that takes it to 30 April, but wait it takes it longer, as there are 3 bank holidays in April, plus Mayday next month, I would assume the courts wouldnt be able to count the bank holidays or would they?. So the question is do I submit my forms and set aside on the grounds its stat barred,(even in CQ world its stat barred on 30 April 2011), and try and grab some costs,or do I ignore it and see what happens next. Any advice,thoughts or help would be very much appreciated.

I hope this post gives all new members the fuel to fight, the DCAs are bullies and in my case Liars, if you take the advice of this forum and attack and stop been the victim its quite shocking how quick the tables turn, it shows how when you attack them with the correct law and facts they just head for them thar hills. And never doubt the power of the CPR letter, this not only puts the ball back in their court (no punn intended..lol), it also shows how much drivel and untruths they put in their letters. I have no doubt my credit file is as black as a gorilla's ping pongs, but as long as I have breath I will never ever, touch credit again., I also found the basic bank account a power tool to help me back on my feet, that was a little gold nugget advice from the members here. 8-)

Its been sometime since I first found CAG, and my battles with CQ,Moorcroft and the famous Bryan Crapper have all fell by the wayside now, and 2 debts have become Stat barred,And the third one becomes Stat barred today...sorry CQ. With the help off this fantastic forum I have gone from shivering at the thought of opening the post, to someone now who thinks" Hello, who wants to play today" attitude. Of course on my way to where I am today has been a long battle, I have collected a few CCJs on the way, but all settled now, and my big thanks to Bryan Crapper solicitors, who took nearly £4800 of debt and reduced it to £560 CCJs, and with the info and help from here I fought him when he came back for split claims, and he vanished into the night air. I never got my day in court, so never was awarded any costs, but the piece of mind this site gave me was better than any pay out. Got one CCJ on a split claim in an old address from you know who, so now I can concentrate on attacking rather than defending, this will make a nice change. So I would like to thank all CAG members and site team who have helped me over the years, not only to fight the DCAs but to get rid of the worry and sleepless nights. I take my hat off to each and everyone of you, Im sure I will need your help again, but you all have given me control back. Thank you all.

Thank you guys, very much appreciated.

Polite bump for any one with further reading or info on PT2537 interesting point. "However, your point one seems very interesting and one for debate, I would suggest that while true in respect of the CCJ vs Agreement, a challenge to the enforceability of the agreement can be brought even where a CCJ has been granted, Please see the case of Southern District Finance vs Turner where the court of appeal confirmed that even where a CCJ is in place, a counter claim is permissible to deal with the enforceability of the agreement, therefore you may have your CCJ but it wont last if the court makes a declaration"

Great point Merlin, maybe the people who have the know and knowledge could insert some info on this point, Im sure there would be a few (myself included) who are part of the "get Bryan Carter fan club" and fallen to his default judgements in the past.

well done magician, good to see carter fall, congrats.....

Nice post DonkeyB, if I can add my xmas tricks to watch out for: They will try and spoil your xmas, so look out for the phone calls, right up to Xmas eve,so if you dont recognise the number then it can wait until after the holidays. The parcel trick, we have a parcel for you, please call us, you know the one. Even the county court judges have a break: Christmas and New Year closures for HMCS courts and offices 2009 Thursday 24 December 2009 Friday 25 December 2009 Monday 28 December 2009 Friday 1 January 2010 So as DonkeyB states be forearmed, relax and have a good christmas all, remember, you worry and battle for 51 weeks a year with the DCAs, so relax and have a week away from the stress the worry, and enjoy your seasonal break..

HL Legal are rent a letter solicitors, usually for Capquest.(aka sampsons and co)

I dont doubt that truecall is the mutts nutts, I just mentioned it as I think its a nice piece of simple kit, and has been a real help for me.I just enjoy blocking the calls, the phone gives out a dead tone....

I have been useing this Panasonic phone that, has alot of features needed in the DCA war, it blocks upto 30 numbers, you can record your phone calls and has the super night mode. I think this is a great tool and it is worth considering as an option: Panasonic KXTG8421EB Colour Telephone Answer Machine The increasingly popular Night mode allows you to specify that only calls from a list of pre-selected numbers can get through to you during specified time periods, this couples with the incoming call barring facility means that you are in complete control of the calls you receive. I got mine from Argos. Product info and full spec: Panasonic newly released 8421 KX-TG8421EB Telephone with integrated answermachine from DST UK Ltd

I know what you mean lick, I have 2 ccjs for Cap 1 one for £200 plus, and another for £1500 plus, he has split a claim on me, and got 2 ccjs for the same debt, is this not fraud..and cant the courts do something, he has broke a court law, something must be able to be done...

No I havent 42man, will get that sorted, thanks. As he has split the claim, and wrong info added to the CRAs, is there a compensation claim possible.

Just a little update, preparing everything for the new year, as I have a CCJ on a split claim...yummy, so over the last few months I have been getting paperwork and research sorted, sent BC a letter back in may asking for info on the claim, not heard anything back since, so I worked away on a few more points. Anyway I sent Cap 1 a letter in August, thought I would play dumb and ask the same question I asked Old Bryan, well I had forgot about the Cap 1 letter I sent and A few days back I got a reply from Cap 1, and the point I found eye popping was they stated: We have no records of Bryan Carter & Co solicitors acting on there behalf, blah blah blah, we cant help you any further. So I dug out some paperwork and drat, he used Fredricksons as the claimant, but reading more court paperwork it states on the court papers Claimant Capital 1 Bank. Can I use this as added weight, My defence is: 1.Split claim 2.Never received paperwork as I had moved ( I have proof) 3. (Fingers crossed) Cap 1 have no record of BC.