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  1. Hi, My partner recently received a legal document addressed to a similar name to hers at her parents address. The first name was wrong but began with the correct letter, the surname was correct. The letter suggested that the case had already been to court and that she had 7 days to pay approx £350 or the bailiffs would be round. After some investigation and phoning the companies on the summons, we discovered it was in relation to a TV Licence offence, committed in March 2014 at a flat where my partner had lived up until 2011. Also, as my partner had left on good terms with the landlord of the property, we got in touch with her. It appears that while the tenant of the flat where the offence occurred was on holiday, the landlord had collected the post. She saw a letter that 'looked official' and had a similar name to my partners on it, so forwarded it to the forwarding address my partner left when she moved out of the property (her parents address). If she hadn't done that, we wouldn't have even heard about the case at this late stage. Concerned that bailiffs would turn up at her parents address, my partner began trying to sort the issue out, even though the first name was different to hers, and ultimately arranged an appointment at the local Magistrates Court to issue a Statement of Declaration, stating that she had not lived at the property since 2011 and this was nothing to do with her. The landlord had provided us with the names of the occupants of the property since my partner moved out, the current tenant and the tenant at the property at the date of the offence (the same person for all). My partner (8.5 months pregnant at the time) attended the appointment at the Magistrates Court where they issued the Statement of Declaration and said they would send to the TV Licensing company. So, case closed we thought. Several weeks go by and an envelope comes through the door with the TV Licensing logo on it and addressed to the first initial and surname of my partner at our current property. Inside was a summons to Magistrates Court, again in the wrong name (Natalie not Nicola), for November 7th, but this time sent directly to our current address. The top of the summons had the words 'Reissued after Statement of Declaration' handwritten in biro. This envelope contained a copy of an interview conducted on the doorstep of the property when the offence occurred. The occupant gave my partners first initial and surname but no other info (no D.O.B, no NI number etc) other than to confirm that she had a TV and no licence. She signed the interview record and printed the name that has since appeared on the legal documents. We assume she has picked up the name from junk mail to the property after my partner had left, but could only guess at the first name. having spoken to the landlord, we know who was living at the property at the time of the interview (she still lives there). We have forwarded to the TV Licensing company proof that my partner moved out of the property in 2011 (and got a refund for overpayment on her TV licence at the time), proof of her residence at our current address for the past two years (more than covering the date of the offence) and details of who was living at the property at the time of the offence. Yet the emails have not been acknowledged. The 'TV Licence evasion' department phone number is constantly engaged. We phoned the main TV Licence phone line and spoke to someone who couldn't help due to being in the wrong department but requested we forward all of the proof detailed above to an email address. The email went unanswered. The follow up email went unanswered. Today, we've sent a further email and phoned the 'front desk' again and are waiting for a callback... The longer it goes on with no response, the closer the court date gets. It's causing unnecessary stress and doesn't seem to me to be particularly reasonable behaviour. Really sorry for such a long post, but we're posting this in the hope of some advice as to what we can do next if we don't hear back from the TV Licence company. We feel like we've more than co-operated and tried to help in a case that has nothing to do with us yet we seem to have just made it worse for ourselves. After receiving the initial demand to my partners parents address and explained it in court, they've now just picked up our current address and reissued a summons. We've given the exact name of the tenant who committed the offence and they still live at the property. We couldn't have made it any easier for them to pursue the correct person, but we're the one's getting all the grief. We now have a 3 week old baby and could really do without the stress. Thanks for reading! Any advice gratefully received.
  2. Hi, I'm posting on behalf of my sister. My sister received a debt letter for a catalogue debt which is not hers (they used her maiden name, which she has not used for 20 years). She spoke to them on the phone ( before she told me about it) and it is my other sister which has used her details. My sister phoned the local police and got a log no which she passed on to Lowell. Lowell have now responded that they have spoken to their client and account was taken out at my parent's address in 2009 and because it is a family member it is a civil matter. Could she please get my family member to write letter of liability ( this is remote chance, they are estranged). Then a veiled threat that if we do not hear back within 30 days collection activities will commence. My sister has moderate to severe mental health issues and she doesn't need this. Any advice before I deal with Lowell much appreciated.
  3. London payday loan company, QuickQuid, records all its phone calls – but they objected when I said I was recording the call too. I was trying to complain that someone pretending to be me had borrowed £400 from them at 5,200% APR interest - and that I was not responsible for paying back the loan, as QuickQuid was demanding. Hear what happened:
  4. Hi Guys, I'm rather new on this forum and I have a unique situation that I hope I can get some advice on. At the end of last year (2010), I was refused credit, I subsequently registered on creditexpert and found out that I had a CCJ registered against me, another default with British Gas at a house that I never lived at and a mobile phone that was settled, but after massive payment problems. I will be honest, I know who the perpetrator was... I bought a house for my brother in 2007. He was living at the address where I got a CCJ. My condition on buying this house was that he manages everything and pays everything on time. I didn't need to do it, it was a massive favour. However, I found out that he didn't pay the ground rent and then sublet the house to someone else! He then redirected all mail to his new residence. Of course the freeholder kept sending letters and there was no response. I was none the wiser. I never even got the feeling. I have now taken over management of the property and arranged for a tenancy agreement with the tenant... he had never seen me and I turned up at his door to say that I was the landlord. Anyway, Orange have now removed their account from my records after my requests, British Gas have also removed the fraudulent account from my credit files. However, I have made a request to Northampton CC to say I need the CCJ set aside. I have also contacted the freeholder to explain the situation. Question is: What will I need to prove that this was a CCJ that I didn't deserve: I have the statement of the tenant that he was installed by someone else and that he had never seen me. He also states that all mail meant for me was collected by my brother and that he had never met me before late 2010. I also have my credit files that state British Gas and Orange defaults on one report, both gone in a subsequent report. I also have records of making payments to the freeholder in recent months and correspondence explaining my situation. I also have evidence that the freeholders agency was sending correspondence to my brothers new address and not to me. I have reported the mobile phone account as a fraudulent account to the police and I have a crime reference number. I realise that this should be an open/shut case and i should win. However, I am so worried about the fact that when the property was bought, I knew that the payments for the ground rent / maintenance were on the contract and I knew that they must be paid. Can they use this against me and say that although it was my brother that was being devious, it was my responsibility thus the CCJ stands??? I admit my responsibility, but I have no issue paying and the £1700 that was finally the amount that was defaulted on, was something that I could have paid. Please help with this. I have contacted the court and the judge is considering a court date or action apparently. I should hear back at the end of May. Thank you
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