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PRG70

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  1. In reply to the letter I sent BW Legal on 17th December 2012, My son has received a letter from them which arrived on 24th Dec 2021. Both letters are enclosed here. The letter from them says debt was assigned to their client (PRAC Financial) on 9th Dec 2016 and therefore does not constitute as Statue barred. On page 5 the letter allegedly sent by BW Legal on 15th Dec 2016 states that Money Shop notified PRAC that he is making payments towards your account and the last recorded payment was £10 on 13th October 2016. Firstly, this letter was not received from BW Legal at the address sent to in Essex. My son had not lived at that address for over 3 years and any letters I received were always returned labelled "NOT AT THIS ADDRESS" I have checked both my son's and my back accounts and there are no payments to The Money Shop anytime in 2016, in fact none since 2012. Both my and My son's bank accounts show no payments to the Money Shop since 2012 I think one of the 3 companies concerned in this are trying to dishonestly stopping the Statute Barre applying. What do I do now please Regards Pat Letter received 241221.pdf Letter to BW legal 171221.docx
  2. Thanks for prompt replies, I will do that and will update post when I have any news Regards Pat
  3. He was born 1990 so was 21 or 22 Last payment was made in 2012 Regards Pat
  4. MoneyShop - BW Legal PO Box 8850 Nottingham NG8 9BW 08003161414 09/08/2010 DOC:Letter from Money Shop 090810 25/08/2010 DOC:Letter from Money Shop 250810 27/08/2010 DOC:Letter from Money Shop 270810 25/10/2010 DOC:Letter from Money Shop 251010 03/12/2010 DOC:Letter from Money Shop 031210 Loan cleared 17/12/2010 DOC:Credit Agreement 171210 New credit agreement 17/12/2010 DOC:Loan receipt 171210 New loan £200 24/01/2011 DOC:Letter from Money Shop 240111 Unpaid loan now £275 01/02/2011 repay £10 DOC:Debt repayment receipt 010211 Repaid £10 outstanding £265 17/02/2011 DOC:Letter from Money Shop 170211 Final notice outstanding £235 17/08/2011 DOC:Letter from Money Shop 170811 Unpaid letter outstanding £125 24/01/2012 repay £25 24/01/2012 repay £250 Last payment on this debt which was paid up I can only assume more money was advance to him, but have no recollection 13/03/2012 Letter from Money Shop DOC:Letter from Money Shop 13031 Unpaid letter outstanding £275 16/03/2012 Letter to Money Shop 160312 outlining money problems 19/03/2012 DOC:Letter from Money Shop 190312 Default warning outstanding £275 16/04/2012 Notice of Default sums DOC:Letter from Money Shop 160412 Default added £25 outstanding £300 23/04/2012 DOC:Letter from Money Shop 230412 Default warning outstanding £302.42 27/04/2012 Letter to Money Shop 270412 (recorded) My full financial breakdown 02/05/2012 DOC:Letter from Money Shop 020512-1 Debt £352.42 02/05/2012 DOC:Letter from Money Shop 020512-2 Debt £352.42 05/10/2012 DOC:Letter from Money Shop 051012 Passed to Red Castle Recovery outstanding £420.75 10/10/2012 DOC:Letter from Red Castle Recoveries 101012 outstanding £420.75 29/10/2012 DOC:Letter to Money Shop 291012 Disputing amount was £275 31/10/2012 DOC:Letter from Red Castle Recoveries 311012 Reply we are inquiring with Money Shop 19/11/2012 DOC:Letter from Red Castle Recoveries 191112 Confirming outstanding £420.75 26/11/2012 DOC:Letter from Red Castle Recoveries 261112 13/12/2012 DOC:Letter from Red Castle Recoveries 131212 Red Castle no longer involved 15/02/2013 DOC:Letter from Credit Resource Solutions 150213 You owe us £420.75 no info on where or why or to whom 13/03/2013 DOC:Letter to Credit Resource Solutions 130313 Inquiring who they are 16/01/2019 Letter from BW Legal 160119 (reckons owe 379.10) DOC:Letter from BW Legal 160119 03/02/2021 Letter sent to home address DOC:Letter from BW legal 030221 02/03/2021 Email from BW Legal to Son's email DOC:Email from BW Legal 020321 08/03/2021 DOC:Letter from BW legal 080321 page1 DOC:Letter from BW legal 080321 page2 22/11/2021 DOC:Letter from BW legal 221121 offer repayment of £113-73 total They state "Our client:PRAC Financial Limited" Original creditor "Instant Cash Loans Ltd t/a The Money Shop" Are they legally entitled to get this money from my son ( although it is a relatively small amount his total debts are quite large ) so this is a start Anything with DOC against it means I have a copy of it Regards
  5. The two charges were: Drunk Driving Minor narcotics trafficking Fine SEK 25,000 + Victim charges SEK 800 total SEK25,800 (£2080-85) I was breathalysed at the time and passed OK, it was actually positive for Cannabis. I only found all this out and all that was happening when I received the Letter from Essex Magistrates At the time in Sweden I was not offered interpreted documents All documents that arrived from Sweden were not in English and I was not offered a translator at any time. I spoke to a person from Fair Trails International and the only help they could give was to say contact a Swedish Lawyer. This should not have gone ahead without English translations according to Fairtrails.org The letter from Kronofogden to UK HM Courts and Tribunals was dated 15/05/2020 but was not received by myself from Essex Magistrates until 14/02/2021 In the certificate sent there is no Statutory provision /code for Drunk Driving At the hearing in Magistrates Court, my Father collated all the documents and information and as I live a long way from him and the Court he read up and bought all the documents with him. Looking at "Notes on appearing in court" document There will be a duty Solicitor available at the court (There was not) I was allowed someone to attend with me. That was my father with the information. (He was refused entry to the building) Yet solicitors etc were allowed entry without challenge. The reason for all this is I need Sweden to tell why I did not have documents in English so as to have a fair trail. Same with having my Father with me with all the paperwork. Can we do anything about these
  6. This is submitted by My Father with my full permission Diary of Sweden 2019 to date Last update 23/06/2021 Document list: Letter from Transport Styrelsen 290519 Letter to Transport Styrelsen 141220 Certificate from Kronofogden sent 150520 received 130221 Essex magistrates letter 120221 Documents received 130221 in Swedish Letter from Kronofogden sent 150520 received 130221 Letter from Kronofogden 150321 Letter with new hearing date 060421 Notes on appearing in court Swedish translation Data between inverted commas is file name 15th May 2019 I was stopped at the border having arrived from Denmark. I was several hours behind other drivers in our convoy of articulated trucks You need to add what happened to you include tests and results where you were taken how long held what they did with truck including damage when they moved it. Did they speak to you in English at all times, was their English understandable, was any paperwork translated into an English hard copy, were you given option of having English translations When were you released including taking you licence away. Did they offer any assistance? Were you offered the assistance of a legal representative and legal aid. The only part in the English Language is “Letter from Transport Styrelsen 290519” and that was about 5 lines on the second page saying I could send a statement to not lose my driving licence rights in Sweden All other paperwork sent to Chelmsford address is in Swedish only so no idea what the charges were and I was not at any stage offered the services of a translator. The “Essex magistrates letter of 120221” point 6 says I was offered the chance of a reply. That was only true if I could speak Swedish. I have tried running all the paperwork sent to me through a translator and it makes no sense whatever. The statement they have sent to court Documents received 130221 in Swedish are wrong, I was not given the right to reply, just said I could make a statement about retaining my right to drive in Sweden. This was the only opportunity I had to defend myself. In the “Letter from Kronofogden sent 150520 received 130221” sent with the Essex Magistrates letters was dated 15/05/2020 is that now out of date for action, also that’s in English so there is no excuse for other documentation not to be in English Kronofogden states that no letters were returned to them, this is not true as my father sent at least two of them back as Not at this address as I have moved twice since this incident In the “Certificate from Kronofogden sent 150520 received 130221” it states I was Drunk driving, that is not true as I was breathalysed and that read completely clean, I was not given results of blood and urine tests. The Certificate does not split up the fines for the two offences, only the fine and the Sum of money to the Public Fund. On the European framework list that was sent to me in document "Essex magistrates letter 120221" and also the Certificate the only offence was 34. Smuggling of goods. Drunk driving was not one of the offences to be included on the list, therefore I should not have to pay the full amount and as the amounts only show total for fines and not each offence separately, I should not have to pay total amount I should only pay the fine for the offence of smuggling. As they have not itemised fines then this should be dismissed. If not please ask for time to pay after looking at my financial statement. 11th May 2021 Attended magistrates court with my father who had much of the information and understanding of the correspondence. He was stopped at the entrance and was refused entry, they then ushered me in straight up to wait outside the courtroom so I could not get the information from my Father. This was stated as Covid rules; the legal people arrived and just walked through with no questions asked. One Paralegal (who happened to be black) was stopped and refused entry even though she arrived with her client, there was a huge argument and the Court manager was requested by the paralegal. This is not the way to give justice to people. On the European framework list that was sent to me in document "Essex magistrates letter 120221" and also the Certificate the only offence was 34. Smuggling of goods. The Magistrate stated that they were not concerned with original case where the fine was given only this one, so judgement was given against me. They said the judgement would be sent to me To present: I have up to present not received a copy of the judgement I have had three copies of further action sent to me, one at my old address and when I informed them again (as I did in court} they sent another two copies of the further action letter to me.
  7. Dear Brassnecked Thanks for reply, that's an interesting angle as the two HCEO's that came to our home told us all the information on the Notice of Enforcement even before they came into the house and showed us their ID's. Also they did not show me the Certificate. This has to be a breach of the ICO rules for Data GDPR. Who are Bailiff Advice that you mentioned in your post. I am looking at getting my Son-in-Law to reclaim the payment citing duress from his bank. or Suing Original Creditor through the small claims court I would be grateful of anymore advice Kind regards Pat
  8. Background: I am aged 71 and my wife 67 and both retired. We live by ourselves in England Our son who the CCJ was against he is late 20’s. He worked casual for many years and since then has retrained and works mainly in Europe. He was living in East Anglia until earlier this year but do not know where he lives now. We made a point not to ask but are in communication by phone Our son-in-law and lives in about 10 miles from us where he runs a building services company Diary of HCEO action: 9th Feb 2019 Letter from Court Enforcement Services arrived. It was franked as 2nd class dated 06-02-19 and addressed to our son. 19th Feb 2019 I spoke to our son on the phone and he asked me to open the letter, I gave him a quick resume of the contents. He told me he would deal with it when he got back to UK as he was working on the continent. Document 1: Notice of enforcement Document 2: Notice of enforcement envelope 21st Feb 2019 Doorbell rang at 20:25:28 I saw what I thought was a police officer through our obscured glazed door. When I opened the door he still looked like a police officer but then identified himself as a High Court Enforcement Officer, he then entered the house saying he was here to collect the sum of £4308-11. He quoted this sum as he arrived and as I now understand had already added 2nd enforcement stage and Sale and disposal stage. I told him he could not enter and he said as a High Court Enforcement Officer he had the right to break in if we had not let him in. ACCORDING TO THE GOVERNMENT WEBSITE THIS IS COMPLETELY FALSE. He said he was looking for ****** who is our son, but I told him he did not live here, he asked if he ever came here and I said “yes he’s our son” his reply was “he must live here then”. He flashed what he said was ID and it looked like a passport, we were never shown a certificate from either man. At this point the other man parked his American type pick-up truck on mine and my neighbour’s drives, blocking them both. My neighbour is disabled and when his son-in-law arrived, he had to leave his car in the road. This massive pick-up truck broke and dislodged a paving slab on our walkway at the side of the drive. Both the men then made their way inside and asked where he was and which room was his. It was obvious that only one bedroom was in use as a bedroom in the bungalow. They wandered around looking at the mail and other documents that I had in my study and they said there is post for him so that confirms he lives here (this was the enforcement letter they had sent and another from Chelmsford Council addressed to him and an ex girlfriend which was unopened). I get quite a lot of mail addressed to him and most of the time put a label on saying “Not at this address and no forwarding address) Again I told them he did not live here and as far as I knew he was working on the continent. They asked me to contact him and I refused at first saying he was probably working and I could not contact him. They then said in that case we are going to take goods to pay for his debt. I TOLD THEM THAT WE WERE PENSIONERS AND DID NOT HAVE THAT SORT OF MONEY AND APART FROM THAT IT WAS NOT OUR DEBT and that they were not going to take our possessions. THEY THEN SAID THEY WOULD PHONE THE POLICE AND I SAID TO DO SO AS IT WAS NOW OBVIOUS THEY WERE HERE TO BULLY AND INTIMIDATE US AND OF COURSE THE POLICE DID NOT ATTEND AT ALL AS I ASSUME THEY HAD NOT CONTACTED THEM. One of them had gone outside and I assumed pretended to phone the police They said we are going to list goods to seize and said they had rang to get a vehicle to take our possessions away. ( I later deduced this was another lie) One of them went into my study and stated pulling my laptop about. I explained to them that it belong to HP who I worked for until I retired, last communication I had from HP was they were going to collect the laptop as it contained sensitive company data. The answer I got from them was that they clear the computers before they are auctioned and SHOW A RECEIPT OR WE TAKE IT. SOMEONE NEEDS TO TELL THEM THAT FORMATTING A HARD DISC DRIVE DOES NOT DELETE DATA, IT ONLY DELETES INDEXES. Also they cannot take this as I was using it at the time. I am also using the laptop on a development project for a franchise opportunity. I went into another room and tried to ring our son and eventually succeeded. I told our son what was happening and he asked to be put on to one of the men. Our son explained that he knew the contents of the letter and would deal with it when he returned. The man just said to him in a very aggressive voice “Are you going to pay”. Our son told him he did not have the money and the man replied “then I’m not talking to you” and passed the phone back to me, refusing to talk to him again. The letter I received from them on 3rd Aug 2019 says they spoke to our son several times over the next hour, THAT IS ANOTHER LIE, the total conversation with him was the initial call and that lasted less about 15seconds. In the meantime the second man had walked into our lounge and had disconnected the TV and HiFi equipment, he had taken the TV, HiFi system ,video recorder and DVD player and put them on the ground outside. This was bullying as the VHS video recorder was worth less than £5. Even though they had taken equipment out of our home THEY HAD NOT GIVEN OR OFFERED EITHER OF US A LIST. The total auction value of all the items including HP’s laptop would have been about £300 (I regularly attend auctions and know the approximate prices these items fetch). I then looked up the receipt for the TV that we purchased from Argos and he just glanced at it and said, “no serial number it could be for any TV” STRANGE IT WAS VERY MAKE AND MODEL SPECIFIC. Just another of their bullying tactics. They also picked up my front door keys without telling me and opened and searched the garage I went into the lounge and my wife was in tears caused by their aggressive nature. Unbenown to me she had rang our son-in-law to ask for help with this and he agreed to come over from his home 10 miles away. THIS WAS BECAUSE WE HAD ONLY A COUPLE OF HUNDRED POUNDS IN OUR BANK ACCOUNT AND THEY WERE DEMANDING THE EQUIVALENT OF FOUR MONTHS OF OUR PENSION INCOME. I was going to let them take our possessions away as I suspected they were bluffing as the value at auction of all the goods they put on the drive was no more than £300, I also knew I could get a receipt for the laptop computer. Our son-in-law spoke to them and they refused to take any payment except the complete amount. He also told us in front of them that he needed the money back as it left him and his business finances in a precarious position. Our Son-in-law asked how the amount was made up as it was not written anywhere, they just said look at the back of the Notice of Enforcement although the front says Total sum outstanding is £2578.04 they demanded £4308.11 Our son-in-law then paid the full amount and they completed a receipt for him. Document 3: Payment receipt Document 4: Receipt from debit card reader The men put the equipment back in the lounge and left. Feeling totally shell shocked I WENT TO SHUT THE GARAGE DOOR THEY HAD LEFT OPEN ONLY TO FIND I COULD NOT AS THEY HAD TAKEN OUR FRONT DOOR KEY AND GARAGE REMOTE CONTROL WITH THEM. I could not find the spare remote so had to manually wind down the door. I tried ringing the phone number on the receipt to ask for my keys back but there was just a automatic answer message There was a knock on our front door about 45 minutes later and they just handed over the keys and left again. 21st Mar 2019 Download Money from SIPP pension for son-in-law 21st Mar 2019 Transferred £4308.11 to son-in-law’s personal bank account 28th Mar 2019 I went to Police Station to complain about behaviour of HCEO’s. They just said, they have unusual powers and go to CAB for advice 29th Mar 2019 Went to Citizen’s Advice to see what I could do about this, took paperwork and spoke to first line contact who took details and make new appointment with a more senior consultant 17th Apr 2019 Appointment at CAB with more senior person Document 5: email from CAB 170419 16th May 2019 Complaint letters sent to Court Enforcement Services Ltd, Document 6: letter to Court enforcement services 160519 25th May 2019 Letter received from Court Enforcement Services Ltd to say they need Authorisation to speak to us about the subject. Contacted our son to send authority letter to Court Enforcement Services Ltd. This he sent from Lisbon Document 9: letter from Court enforcement services 250519 22nd June 2019 Letter received from Court Enforcement Services Ltd to say Sorry for delay replying to email (WHAT EMAIL, it was a letter) containing a full list of the complaints. Document 10: letter from Court enforcement services 220619 28th June 2019 Statutory declarations completed and sworn to cover just Me and My Wife living at our Home and also that we own all contents as listed Document 11: statutory declaration-1 Document 12: statutory declaration-2 2nd July 2019 Letter and all documents that cover the complaint sent to Court Enforcement Services Ltd Document 13: letter to Court enforcement services 020719 3rd August 2019 Letter received from Court Enforcement Services dismissing claim Document 14: letter from Court enforcement services 030819 What a waste of time this complaints procedure was 6th Sept 2019 Sent “signed for” letter to Court Enforcement Services requesting Bodycam copies for both employees Document 15: letter to Court enforcement services 060919 Royal Mail has it as lost, I suspect they are hiding behind PO Box 27th Sept 2019 I have completed 2 letters as below, just waiting for printer ink to arrive Court Enforcement Services letter to be sent Royal Mail registered Document 16: letter to Court enforcement services 270819 Document 17: letter to Information Commissioner’s Office 270819 Outcome: This has cost us £5167.73 because we had to take a drawdown from pensions and so had to pay an additional 20% Income Tax on the original sum I have also spent at least 95 hours of my time on this, my hourly rate is £19.00 How can they get away with treating people of any age in this disgusting manner They need to be stopped. How can we get our money back ? As we have no knowledge of this debt we do not know if it is a credit agreement that is regulated by the Consumer Credit Act 1974 Original Creditor did not reply to my question on this. These were the people who took out original CCJ I understand that the CCJ is now over 6 years old but was just under that when the HCEO’s arrived Following is the complaint letter I sent to court Enforcement Services Limited in Loughton: Address Postcode 16th May 2019 Court Enforcement Services Limited PO Box 396 Loughton Essex IG10 9GL Your ref: Dear Sir This letter is an official complaint against the actions of your company and employees following a visit to my home on 21st February 2019 at 20:25 hours. The grounds on which I base my complaint are as follows: 1. Neither my wife or my name is ********* and the DEBT IS NOT OURS and never has been 2. The addressee of the “Notice of enforcement” document does not live at this address and has not done so for about 18 months. He works abroad and I don’t know where he lives.. 3. It was obvious that only one of the bedrooms was occupied by anyone and that is by me and my wife. 4. We are both elderly pensioners and were treated in a very discourteous manner. 5. They were going to take my work laptop which contains sensitive information and is owned by HP. I said I would have to put a hammer through it to destroy the hard disc. They said they are calling the Police and as asked them to go ahead and get them here. The Police did not turn up and I guess they lied about calling them. 6. We were bullied and intimidated into paying this money even though it was not our debt. 7. One of the men on entry told me if I had not let them in, they were entitled to break in. He obviously has not read https://www.gov.uk/your-rights-bailiffs 8. I got our son on the phone and the conversation with your employee lasted about 5 seconds, consisting of “Are you going to pay” in an aggressive manner to which our son replied “I don’t have the money” your employee said “I am not talking to you” handed me back the phone. 9. Our possessions were taken outside our home and no list was made or made available to us. I showed them the receipt for the TV and they said it does not have the serial number so it could be any TV, The receipt was very make and model specific so their comment was rubbish. 10. My wife was reduced to tears by your disgraceful behaviour and she unbeknown to me phoned our son-in-law to come and sort it out. 11. He came over from his home and your employees insisted on all the money being paid, which he did. The amount he paid was £4308.11 12. I calculate the amount as follows Debt £2489.77 the sun of £2487.52 is incorrect Interest 0.52 Compliance stage fee 90.00 1st Enforcement stage 228.00 7.5% of £1489.77 111.73 VAT on 1st Enforcement stage 22.34 Total £2942.36 HOW DO THEY MAKE IT NEARLY £1400 MORE? 13. An Indian sandstone paving slab was broken and dislodged by your employees driving a large American style pickup truck onto my drive. 14. This was also parked on and across my disabled neighbour’s drive who has had a number of hospital visits recently I require the following to be repaid to me: The sum of £4308.11 taken by your employees Plus 20% of the sum paid which is income tax I had to pay on drawing ad-hoc income from my pension, which is £861.62 I have taken 80 hours of my time on this and as I do high level consultancy work on computers I charge £40.00 per hour. I will forgo this £3200.00 if MY money is repaid within 30 days Total if paid within 30days of date of letter £5169.73 Yours faithfully my name CC: People who took original CCJ out My thoughts on this are: I should sue the creditor who took out the original CCJ and High Court Writ as they were the ones responsible for the actions of the HCEO’s Or I should try to get my Son in Law to get the payment clawed back from the Bank Your help and advice would be most appreciated
  9. I have just come across this site and thread, I also had this happen to myself and my wife, I am in my 70's and had HCEO's arrived to claim money from my son who does not live with us. The company was also Court Enforcement Services Limited. Managed to get £4308.11 out of us. I sent a very lengthy complaint to them, After a month they replied with a fairly short very dismissive reply to all my points, this followed several letters going back and forth to get "permission" to complain from our son to them.. I sent a signed for letter over two weeks ago asking for the bodycam footage from both HCEO's, Gone in to track progress this morning as no reply from them, Letter has "got lost" in post. I believe they are hiding behind a PO Box number. I am sending a registered request on Monday with a copy to the ICO. looks like I am going to sue the original creditor for duress as they disconnected all our electronics and put them outside. Don't bother to complain to Court Enforcement Services Limited, I believe they and others have had thousands of complaints and I know of none that were successful Good luck with your claim
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