Great Idea ODC as usual . Way above my head though , have looked at their website and dont even know where to start, cant see if joe public can use it , if it costs and if so how much , how to request etc

Thats the truth ODC , I suppose im looking for proof that it wasnt an "error" i know and you know we all know it goes on , though that doesnt prove it , i would like to stand in front of a judge and tell them its mass abuse of the system , with figures to back it up.

I know its early days for a reply from them , but any one any idea if its worth making a complaint to MCOL about the handling of the case? Surely if capquest can slip ccjs past them then they are being negligent in their handling. Also if i raise a complaint maybe the will dig a bit deeper to see how many " Errors" have been made.

The grammatically correct letter above went via email today .

The grammar isnt correct as yet , feel free to pick holes in it. Dear sir/mad man Thanks for your recent correspondence regarding my complaints with your company. However in view of the seriousness of your actions and the poor apology you have issued i feel i must take this matter further . Your excuse other than an error in bringing action against myself in a court that has no juristiction does not suffice. In your letter dated June 16th you stated " As you will appreciate we have already commited to the full use of the court process and this will continue " My view is that you were commited to abusing the court process and this will continue until you are taken to task over your illegal practises. As a regular user of the MCOl im sure you were quite aware of the guidelines set down for the use of the service , i have never been to the site before now and it was blatantly obvious to me within five minutes that people without an address in England or Wales could not and should not be processed through the center. I believe that your company was fully aware of the slack procedures at the MCOL and decided that a cheap CCj was ideal way of attempting to extract payments for me for a debt i dispute. When you submitted your papers to the center you would have been required to sign a statement of truth , which your company duly signed knowing quite well that your statement was incorrect and unlawfull . By commiting this offence you have called into question your elligibility to hold a consumer credit license. In light of your lack of explanation on this matter i must assume that this action was a serious abuse of process which your company entered into knowingly and willingly. The fact that this illegally obtained ccj was entered on to my credit file is an act of libel against me . Therefore i must consider my options on dealing with this matter in the courts. Further to that you tried to use the CCJ you had issued illegallly to frighten and harrass me into making payments also indicating the use of bailifs. Im sure that being in the business you are in, the threat of bailifs is a usefull tool , however i am also sure you are aware that bailifs do not exist in N. Ireland , unsure if i was aware of that fact you decided to try and harrass me with the threat of using them , whilst also implying that you had the legal power to do so . This matter would probably be best dealt with by the OFT. In light of my complaint and by way of apology you have now decided to write off a disputed debt , which you have stated as £684.46 , oddly enough in your letter dated 16th June you were prepared to accept £386.99 , this debt probably cost your company one fifth of its face value , a derisory amount and quite honestly laughable . In my complaint to your company i requested that you comphensate me for your actions , i note that you failed to address my request in your reply. In view of all the stated facts Im afraid that you have left me with no option other than to keep my previously arranged appointment with my MP ( 4th Aug ) with regards to him speaking to the relevant minister about your behaviour. As you requested after recieving my complaint I delayed lodging complaints to the OFT and the financial Ombudsman regarding these issues until you had your right of reply , however as i have mentioned above the word ERROR does not justify your actions and i feel that you have not taken the possible consequences of you actions very seriously. Therefore you have left me with no choice other than to proceed with my complaints

And maybe mention my MPS name . Like i say rough draft i will rework it gradually , so any input greatly appreciated.

This is a rough draft of what i intend sending to them . Im a novice. Thanks for your recent correspondence regarding my complaints with your company. However in view of the seriousness of your actions and the poor apology you have issued i feel i must take this matter further . Your excuse other than an error in bringing action against myself in a court that has no juristiction does not suffice. As a regular user of the MCOl im sure you were quite aware of the guidelines set down for the use of the service , i have never been to the site before now and it was blatantly obvious to me within five minutes that people without an address in England or Wales could not and should not be processed through the center. I believe that your company was fully aware of the slack procedures at the MCOL and decided that a cheap CCj was ideal way of attempting to extract payments for me for a debt i dispute. When you submitted your papers to the center you would of been required to sign a statement of truth , which your company duly signed knowing quite well that you were not being truthfull. This act in itself is purjury and can carry hefty fines and or imprisoment. Further to that you tried to use the CCJ you had issued illegallly to frighten and harrass me into making payment.s by threatening me with bailifs . The fact that this illegally obtained ccj was entered on to my credit file is an act of libel against me . In light of my complaint and by way of apology you have now decided to write off a disputed debt , which probably cost your company one fifth of its face value , a derisory figure to a company of your size. Im afraid that you have left me with no option other than to keep my previously arranged appointment with my MP ( 4th Aug ) with regards to him speaking to the relevant minister regarding your behaviour. I did hold off on lodging complaints to the OFT and the financial Ombudsman regarding these issues until you had your right of reply , however as have mentioned above the word ERROR does not justify your actions , and leaves me in no doubt that you have taken these matters lightly .

No not at all . They have already admitted they were wrong , given the amount of times they have used the service im sure that they were completely aware of what they were doing.Im just struggling for the right words to emphasise that the apology they offered was derisory . My wording doesnt seem to be strong enough to highlight the seriousness of the issue.

On the instructions for starting a claim it states clearly that the defendant must have an address in england or wales. If your claim does not meet these requirments , you may not use this service.

What or where is MCOL nomillo:confused:

I wonder will they try to pass the buck on to the bulk center , they should of spotted our admin error etc. It has just occured to me that they prob paid around £120 for this alledged debt , then they try to buy me off with it dressed up as 686. Clowns . trying to find a case of purjury similar on the net to see what sort of punishment it involves.

Hopefully before christmas ODC

Skint suzi if you have lived in scotland all your life never having an address in england or wales and the ccj was issued in Northampton then you have the same argument as i do . Also another ccj pushed through the wrong juristiction makes it difficult for them to deny doing it on purpose

Yeah best left to the seasoned heros of the site, Im too much of a novice to figure this one out .

So i screw them from some angle but which way is best ? do i tell them im not happy with their reply and tell them their letter is in the hands of my litigation dept . lol

I did answer , maybe not too clearly but the answer was a def no , n.i born n bred never lived anywhere else.

Not sure what angle i can go on though, my credit file isnt exactly smudge free.

You have talked me into it folks , getting the hang of doing these letters , but as always iwould appreciate any input.

Oh Nomillo you fiend. lol Dear mr blah blah i must say it was awfully kind of you to apoligise and write off a debt that i do not acknowledge owing to you or any company you claim to represent by way of compensation . However i feel that your offer does not compensate myself in any way shape or form. please can you make a donation on my behalf to the consumer forums .

Got a reply to my complaint from capquest today , pretty sharpish me thinks. I have ommited the boring bits but the crux of the letter goes along these lines. I write in response to your letter dated july 2nd and i can confirm i have completed my investigation into your complaint. I can confirm that the judgement was obtained in error due to you residing in N.Ireland . I sincerely apoligise for any inconvienience caused . Please be advised that the judgement is in the process of being completely deleted from your credit file and capquest have further made the decision to close the above referenced account on their system and will write off the outstanding balance of £684.00 by way of apology. I can confirm your account is closed and you will recieve no further correspondence from capquest pursuing you for the outstanding balance. God bless em all lol . Thanks for all the help folks , though dont expect christmas cards from Crapquest, i dont think you are flavour of the month.

Now the woman thinks im a solicitor driving a taxi lol.

Please take note that this will be my first and only time of writing to you. Please find enclosed your letter addressed to my son which i have opened in order to contact you . I have stipulated before that sid blah blah does not reside at this address , nor can i help you in supplying you with an address for him . I have duly noted the name and address of your company and any future mail will be posted along with a copy of this letter in order to substantiate a complaint to the Office of Fair Trading in regards to your continued harassment Furthermore I must also complain in relation to the quantity and frequency of telephone calls that I have received from your company, despite me informing your agents that my son does not live at this address. These calls are viewed by me as harassment I have verbally requested that these stop, but I am still receiving calls. I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997. If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine. Be advised that any further telephone calls from your company will be recorded .

Thanks as always guys , putting something together will post within half hour

where is the wiki area? cant find it

She has tried that , and they just ignore her , i think the phonecalls are getting to her more than anything.