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About hessey50

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  1. Looks totally different to preview think last response answers but lets try this: Old car hp agreement properly terminated by section 99 notice "debt" sold on to various DCA On receipt of letters before action send copy notice and admission from lender they "chose to ignore" notice Nothing heard for a while then back to above now however its since 2009 that "debt" is supposed to have been accrued I think that while they could keep attempting to recover the non existent debt now having never ever acknowledged "debt" I can tell them that as it would be statute barred anyway I have no intention of any further contact and require them to cease all activity
  2. Just trying to get this clear in my head, old car purchase properly terminated via section 99 sold on to various DCA usually gets to letter before action send copy notice and lenders admission they ignored notice see you in court it goes away for goodly while has just resurfaced ( with massive discount on alleged amount) but it is now since 2009 when the first alleged debt was claimed. As I understand it all the time the DCA contacts me and to avoid going to court I respond saying I do not acknowledge debt here is proof they can keep passing it around trying. Now if I say that I have no intention of effectively wasting my time as its out of time anyway have never acknowledge the alleged debt and have no intention of ever doing so they should stop?
  3. "The court has issues a warrant to that address". The court issues civil warrants to a Person or Company at the address given by the plaintiff often the last known address if the person or company is not there repeat visits are not likely because it wastes the Bailiffs time and is against the collection protocols as in this case the Court has been advised by the Bailiffs superior that the address for service is incorrect and the matter has been returned to the plaintiff, the breach of collection guidelines is ongoing. Its not morality its law.
  4. I did a quick electoral roll check no trace of name and Court Bailiff admitted no checks are done to verify. As for Police turning up they are welcome, I probably will know them as a result of my work, they usually turn up at the wrong house because they miss read or dont see the right number not because PNC is inaccurate what got up my nose was this wasn't a cowboy but a court officer and the possible effect if there was a house share and another person or a landlord came round and read it when in fact it might not even be a valid claim. Made complaint to Court
  5. Came home and found a folded bit of paper in my porch thought its another flyer but before consigning to bin unfolded it and it was a note headed HM Courts and Tribunals Service xxxx Combined Court The Bailiff needs to serve you some paperwork please call the Bailiff to arrange service Name.....xxxxxxxxx........... If this person no longer lives here please advise the Court immediately Case Numberxxxxxxxxxx Big letters URGENT CONTACT REQUIRED xxxxxxxxxx Court Bailiff The person named has never lived at my address and is not on electoral roll and I have never had any paperwork for that name When I rang Bailiff started that you need to prove they don't live here er no I don't did you do any checks i electoral roll er no so why are you leaving details about someone else at my address didn't seem to think there was anything wrong with doing this despite the guidelines Examples of unfair practices are as follows: acting in a way likely to be publicly embarrassing to the debtor either deliberately or through lack of care, e.g. by not putting correspondence in a sealed envelope and putting it through a letterbox, thereby running the risk that it could be read by third parties. not impressed
  6. had a t/o gram from R&W re an hp agreement with welcome finance posted about this some years ago In short Welcome despite a clear VOLUNTARY TERMINATION OF AGREEMENT UNDER S99/100 CCA 1974 attempted to claim this was a VS they chased for money themselves, themselves calling themselves Atlas and so on but eventually after being told shut up or put up gave up it surfaced occasionally as sold on but each time smartly put to bed I responded to R&W saying the y should read the file which they should have got from the vendor and realised there is no such debt, they say they have no data and I should send them the letters the file is VERY large since as I was sure of the position I enjoyed having some interesting letters. I have referred them to their own trade association rules regarding selling of accounts section 9 g,f which say the vendor should provide this on any sale of debt and any further info required after sale and intend to leave it at that no further response anyone any thoughts?
  7. will try and sort out redacted scan meanwhile surprise only a few seconds ago the calls to mobile from 03335565509 with no response on pick up have started its tracked as a Lowells number another to block, the land line has one of the super machines on it so they give up especially if they know "its recorded" If it was the shopacheck think its about four years since any contact will check credit agencies see what appears had rather a lot going on at the time but think during the take over the collector j ust stopped coming and I didnt rush to chase him took the book but still have some old signed bits of paper, he was pretty intermittant its not a lot of money but still want to be sure before even thinking of funding Lowhell
  8. After lots of phone calls from Lowell , unanswered and begging letters some with special offers regarding what I think may be a doorstep loan poss shopacheck who were taken over I think by Morses who are the named original party. Now got a "letter of claim" from Lowell Solicitors who as Lowell Portfolio in house legal firm say they have been instructed to commence LEGAL ACTION and will issue a Claim at the CCBC without further notice to me. Then it sort of drifts a bit "If a claim is issued" and a long list of extras, fees and costs ( estimated) etc if I dont pay up whatever they want asap. My first instinct was to wait and see if a claim actually appears but with the way Lowhell work I now think a CCA section 77 request is the way to go anyone any thoughts?
  9. from a bit of digging hmrc tax and vat definitely are not statute barred, Benefit overpayments should be dealt with within six years, Council tax /poll tax its six years max to obtain a liability order, but the liability order does not seem to have a sell by date. CSA I know chase debts well over 12 years
  10. Others will be more aware I am sure but as with the CSA and other Gov Depts I dont think the statue of limitations applies to debts against the Crown and it is clear that by effectively taking the"offence" out of the criminal into the civil (section 7A of the Vehicle Excise Registration Act 1994 and in the Road Vehicle (Registration and Licensing ) Regulations 2002) they avoid the six month rule however if a debt collection agency working for DVLA threatens to take to court for a criminal offence rather than suggesting as they do that civil action will be taken that would be a breach of the Debt collection practice. I always copy any letters /docs sent to DVLA ( particularly Driving Licences) and send recorded saved me from being told that I had never had a licence!
  11. The fight not to show the mortality figures for those declared well enough to work who in a fit of clear petulance died just to prove the skilled assessors wrong says it all. The gov and its toady media trot out the few cases of people living a high lifestyle when claiming caught when surfing etc as the norm and push the image of welfare claimants as all scroungers when the bulk of claimants are pensioners and people working for the govs friends at such low wages they have to have their wages topped up. I was wondering if this top up could be regarded by the EU as an unlawful subsidy to UK firms?
  12. The form says you can register at 16 but can't vote till 18 the form PCC send out says you must register or be fined and by registering you can vote!
  13. The vote bit is not my issue, personally I think if you don't vote you cant moan, its about a minor who cannot vote being forced to put her details on the electoral roll with the lie that this means she can vote.
  14. Spoke to electoral commission they say she must register or be fined if asked to register by local authority but again cant say why they lie on the form saying it means you can vote contacted mp
  15. Put this here as seems most likely place feel free to relocate: Query about the threatening letters being sent out to residents who are still minors by Elections at Portsmouth City Council filled my electoral roll form including daughter as she is just 16 in the section for this. They send her a form to require my daughter to register as it says on the form it will “mean you can vote at elections” No it does not! If she fails to register by 30/12/15 there is an £80 fine involved. When contacted the officer at Election Services had no idea of the legislation backing this threat up or the right to demand information from a minor and tried to hedge and say it was an invite, you can invite someone to an interview under caution but they don’t have to attend or you arrest them and they do. As soon as there is an element of coercion it ceases to be an invite its making someone an offer they can’t refuse. The other excuse was that the form was provided by the Electoral commission and they just sent it out and they wanted to be ready for when she would be eligible to vote and the age is being reviewed, but the government is staunchly against this and so it will not change till at least after the next election.. Asked if their head of legal services had checked the form told they wouldn’t alter an Electoral Commission form. Is this really a good way to encourage young people to engage in politics? I suspect most teens will just dump it in the bin so it could be a nice little earner for Portsmouth City Council. Anyone else had this?
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