Staraker
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Response from debt collector, advice please.
Staraker replied to Indywins's topic in Debt Collection Agencies
If the DCA was pursuing the wrong person in the first place, it wouldn't be fraud. If they looking for a John Augustus Smith but they're writing to every John Smith in the country only stating John (no middle name) Smith, that person replying to the effect that they're John Carmichael Smith doesn't make them any more or less the wrong person than they are already. We know that DCAs target people with the same name on a mass basis, and it's widely thought that they probably aren't fussy about which one's they manage to fool into coughing up, or even if multiple people do so. God forbid anyone actually tries to catch them out in this practice, if it really is happening.... -
Response from debt collector, advice please.
Staraker replied to Indywins's topic in Debt Collection Agencies
An allegation of what, exactly? Catching out unscrupulous DCAs at their own game? -
Response from debt collector, advice please.
Staraker replied to Indywins's topic in Debt Collection Agencies
You could always provide them with false details (different DOB, fictitious middle name/s, etc.), then complain to the regulators when then send you a fraudulent demand based on them! -
You said the debt was incurred in 2005 and they 'caught up' with you in 2012. Obviously that was seven years, but when was the actual default date?
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Actually, for packages requiring a Customs payment, generally the recipient will not be contacted byHMRC direct. What normally happens is that the courier/Royal Mail pays the charges on the recipent's behalf, and then recouping it from them upon delivery, usually slapping on an overly inflated a "admin charge" in the process.
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You didn't think you were liable for even what you thought would be the "days" between taking possession and tenant moving in? Surely the builder will have been using electricirty at least during the refurbishment, whether that had been actually been "days" or longer? The last two rental properties we've lived in, the first thing we did on moving in was to get the meter readings to establish that we were only paying for the utilities from when we first got through the door, and weren't copping for anything the landlord was liable for.
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But what about the period between you taking possession of the property and it being refurbished, and the tenant actually moving in? You've also not said whether this is for gas, electricity, or both. If your tenant is also using Eon, that might explain why her name has been linked to the old account, and those details passed on to the DCA. You probably need to be speaking to Eon, rather than playing Chinese whispers through the DCA.
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This all sounds a bit messy. Writerchris, I presume that Eon are still the supply to the property - hence they linked the dead occupier with your new tenant - but was there a period when the bill was in your name between the two? Do the letters actually address the new tenant as if the debt is hers?
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Cabot chasing for a debt over 6 years old.
Staraker replied to nuttymummy's topic in Debt Collection Agencies
So did you ever actually have any dealings with Littlewoods? Years ago Cabot tried to claim my wife had an outstanding debt to the company, even though she'd never had an account with them. -
CCS Collect-Aktiv Kapital AS Zug Branch
Staraker replied to wozzler's topic in Debt Collection Agencies
Cabot used to send out letters signed "Sam Selby," or at least they did in 2006. -
No, they would need eight: No one was at home/letter No one was at home/letter/signature required No one was at home/parcel No one was at home/parcel/signature required No access to building/letter No access to building/letter/signature required No access to building/parcel No access to building/parcel/signature required I'll get me coat....
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They'll probably claim that they carry copies of all possible pre-printed variations!
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If your leave year ran from April to March, and you left in late-August, you would only have accrued around 40% of your leave entitlement. If for example your total leave for the year was 20 days, that's eight days accrued by late-May. You said you took "3 weeks between April and May." If that was in a single chunk, it would be 15 days less the May Day Bank Holiday, so 14 days in all. That would mean that you took six days more than the eight you had accrued by the time you left in late-August. You would therefore owe the company your salary for those six days. The flipside would have been that if you hadn't taken any leave, then they would owe you six days pay, or the time as early release in lieu of notice. This is all fairly standard practice. Under normal circumstances they should have deducted the overpayment from your final salary payment, but if you left suddenly there might not have been time for payroll to do that.
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So they dated a letter for last Tuesday, but it didn't arrive until Saturday, and want payment by tomorrow? Clearly unreasonable. Have you spoke to Bromley yet? This page on the Bromley website deals with liability orders - it looks like a large chunk of what is being asked for is charges relating to the LO, rather than the supposed CT arrears themselves.
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Have you clearly stated to JBW the date on which you vacated the property? The way you've worded it in your posts could be taken as a claim that you never lived there at all. As others have suggested, you really should be speaking to Bromley about this as soon as possible, explaining the exact circumstances, because it sounds like the landlord didn't transfer the CT into their own name when you left, although you really should have told them you were leaving yourself. Presumably you can still name the landlord, even if they are no longer in the country? Land Registry records should back up who actually owned the property at the time*. As has been said, you'll probably have to go down the route of a Statutory Declaration if you really don't have any documentary evidence of your address change (e.g. bank or employment records, utility bills, etc.). * If you put the address into one of the historic house price websites, you should be able to work out if the property has been sold since you moved out.
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If it was the case that you previously lived at the address, how much of a gap is there between you moving back to your parents and the time period of the demand? Do you not have bank or other statements sent to your parent's address that date from the disputed time period? You don't say what type of property it was, or the nature of your occupation (if you rented, would you be able to get proof from the landlord?), but looking at Bromley's Band D CT for 2002-03 and 2003-04 suggests the £354 they're asking for is around a few months' worth, assuming a single occupancy discount. If the CT was in your name, did you not inform the council when you vacated the property?
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DCAs are not baliffs.
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They're only just catching up - it's been going on in the private security industry for years.
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Battenburg markings aren't restricted to the police, nor is the basic pattern legally protected.
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Only a few streets away from where I live - pity I didn't get scammed, and will be at work, anyway.
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It should probably be said that when you do that these days, Royal Mail have a habit of charging the end recipient 'postage to pay', which obviously includes an additional 'fee' on top of the actual postage cost, and usually requires a trip to the local delivery office to pay/collect it.
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I've had Recorded letters to Cabot take five or six working days before being shown as delivered on the RM site. I wouldn't worry about it just yet.
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OK, the link I sent you should show all the companies of which he is a director, from which I presume you will be able to find the one that relates to your estate. From that you should be able to get the list of current and former directors to confirm if any of them are/were actual residents. If so, they may be able to clarify the sitaution for you.
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Obviously I'm not a lawyer, but I can't see that a company managing an estate on which you actually live charging you £30 to simply respond to a letter would be legal. If your annual fee is only £140, then was the additional £1,060 you say you paid them last year made up of such fees?! Having done a bit of digging on the person/company you are having problems with, I think you would be very well advised to consult a solicitor to clarify your legal position. This is too complex a situation to trust to advice in a public forum.
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You don't say how large the estate is, nor if your property differs in some way from others. You also say the only thing to do is grass cutting, but is it perhaps the case that the roads on the estate are private? That can mean little year-on-year maintenance, but when something needs to be done, it can be major and expensive, so funds to cover that sort of thing need to be built up (there would also be responsibility for drains, street lighting, etc). You say that the charge used to be £140 per annum, but it escalated to £631, and you seem to suggest that not everyone has seen such a massive 350% increase (also, why did you pay them £1,200 last year?). Having had experience of dealing with management companies with regard to leasehold properties, but also having a sister who lives on a private road (the residents collectively administer its maintenance), it seems very strange that there could be such changes to your situation without any consultation or explanation. I would think that you really need to track this back to find out exactly how/when Leete took over this responsibility, and to clarify the legal basis for it.
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