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    • When were you stopped please? HB
    • Really interesting video on 'growth' from some who used to be a top city trader.  
    • Thanks HB, i will take your advice 
    • Update: I wrote again to WODC and again they have failed to reply. I also wrote to my 2 local councillors and the Leader of the council.....   Only one of them responded, my local councillor who also happens to be "Executive Member for Finance" , and he said that he had asked the relevant officer to look into it and report back, then he would come back to me with the response. I haven't heard back and it's now a week. I'm seriously beginning to think that someone there has been alerted to the fact that they have fuffed up, and they are dragging their feet until they can cover their arse! Do you think it is worth sending a reminder email to the councillor that responded, or should I give them a little longer ?  I have stopped receiving SMS's from B&S so maybe they have been asked to lay off, but I have no sure way of knowing ! I also have the email address of the CEO of the council, maybe I should send him a copy of the above, stating that I am still waiting for a response and that I am completely in the dark about B&S.
    • There's no need to borrow words from another thread here; we don't have a template. Do this in your own words or it won't sound sincere and may not even apply to your particular case. If I were in the investigations department, I wouldn't be impressed by someone who copied and pasted rather than write their own letter. And please don't use AI for this, people can spot the style a mile off. Para 1 - tell them why you did it, no excuses other than trying to save money. Para 4 - tell them you're using the PAYG card. They won't tell your employer but you probably should if you're convicted. Covering up a conviction is worse than having one in the first place. ETA: Check if there's anything in your employment contract. As I said, you don't send anything until you hear from them because they won't be able to find your case without their own reference number. HB  
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TBI Financial Services


Bullhat
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Hello. This is my first post and I have a question about TBI's right (or not) to chase me for money. There was a CCJ against me by Beneficial Bank in about 1991, who later sold it to TBI (according to TBI, but Beneficial Bank never advised me of it). The CCJ is no longer on my credit history. I asked TBI last year for a copy of the credit agreement and they sent me a very poor photocopy of something that I think is the application for the loan but I can't even see a signature on it. The top of the document is cut off and so you can't tell what the title of the document is. I offered TBI what I thought was a reasonable amount but they refused it and I have been paying them between £10 and £25 a month since 1991. The original Judgment was £7,000 approx, the balance now is £4,000. Can they still chase me for this or did they never have the right to chase me in the first place? Can I get rid of this annoyance once and for all? What about the CCJ? Is that lapsed or can it be reactivated? If they never had the right to get money from me in the first place, can I get it all back? Any help would be really appreciated. :-x

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Hi Bullhat.

 

I will move your thread into the General Debt forum where you should get the help you need.

 

Regards, Rooster.

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.

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Hello. This is my first post and I have a question about TBI's right (or not) to chase me for money. There was a CCJ against me by Beneficial Bank in about 1991, who later sold it to TBI (according to TBI, but Beneficial Bank never advised me of it). The CCJ is no longer on my credit history. I asked TBI last year for a copy of the credit agreement and they sent me a very poor photocopy of something that I think is the application for the loan but I can't even see a signature on it. The top of the document is cut off and so you can't tell what the title of the document is. I offered TBI what I thought was a reasonable amount but they refused it and I have been paying them between £10 and £25 a month since 1991. The original Judgment was £7,000 approx, the balance now is £4,000. Can they still chase me for this or did they never have the right to chase me in the first place? Can I get rid of this annoyance once and for all? What about the CCJ? Is that lapsed or can it be reactivated? If they never had the right to get money from me in the first place, can I get it all back? Any help would be really appreciated. :-x

 

A CCJ never "lapses" in that sence, and if you've been paying it (as ordered) you must continue to do so. Sometimes, enforcement action may only be started with the permission of the court.

 

What were the terms of the CCJ?

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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Unfortunately I no longer have the details of the ccj ,but I was under the impression they lasted fof 6 years ,when I have done self credit checks it is no longer shown.I want to know if Tbi Finacial Services have any actual right to persue this very old debt.Thak you.

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well as they have gone ova the 12 working days and 30 calendar days then i think u can report them to TS but i would asked tomterm and PT, tomterm nos who i mean.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

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Hi,

 

No the CCA is irrellevent as there is a County Court Judgment in place.

 

i am of the understanding that a CCJ will remain enforcable until it is satisfied. it will not become statute barred if you dont pay it or drop off your file after 6 years liek a default notice will

 

the person to ask is Tomterm8, he is far more knowledgable in these areas

 

sorry i cant help further

 

Regards

paul

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  • 2 weeks later...

As previously stated the CCA is rather irrelevant as the debt has been legally enforced by the court through the CCJ. The CCJ won't show on your credit file because records are only kept for 6 years. My understanding is that a CCJ does not become statute barred (in Scotland we have decrees rather than CCJ's which only become statute barred after 20 years), although if the CCJ hasn't been enforced for over 6 years they would need to apply to the court to reinforce it.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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