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    • quite honestly id email shiply CEO with that crime ref number and state you will be taking this to court, for the full sum of your losses, if it is not resolved ASAP. should that be necessary then i WILL be naming Shiply as the defendant. this can be avoided should the information upon whom the courier was and their current new company contact details, as the present is simply LONDON VIRTUAL OFFICES  is a company registered there and there's a bunch of other invisible companies so clearly just a mail address   
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    • Thank you. The receiver issue is a rabbit hole I don't think I'm going to enjoy going down. These people seem so protected. And I don't understand how or why?  Fair market value seems to be ever shifting and contentious.
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    • You can't, but you can (and really should) bring up the point that the lender isn't meeting their legal obligations in selling the property for fair market value. You'll have to do this in court, though.     A receiver is bought in by the lender, not you. If they're a registered insolvency practitioner, you may be able to raise a complaint to the insolvency service but there are no guarantees here. Many receivers are also registered with the RICS and self-regulate so if you know the name of the receiver you can check there, again no guarantees.   https://www.rics.org/surveyor-careers/career-development/accreditations/registered-property-receivership-scheme
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Tesco via IJ going for charging order


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Hi

 

Have some fun let em take you to court, as long as you have been paying Tesco and you can prove it, you could have a right old giggle

 

Notts

As a great man once said " All Men Can Fly But Some Only in One Direction"

 

Notts

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  • 4 weeks later...
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I've received a letter from a DCA titled Notice of Collection Visit. It says someone will visit, not may, but will.

 

Bit of background info.

 

OC have a CCJ against me, they tried to get a charging order but failed on account of the fact I live in a rented house. The judge ordered that I continue with the small monthly payments I was making. This I have done without fail. Without any NOA a DCA wrote saying I had missed payments, I phoned them to say I was still paying OC as instructed by the court, I said I wouldn't deal with them until debt was legally assigned to them. I also told them on no circumstances to send a doorstep collector.

 

Assuming someone does turn up what would be the best way to handle the situation and cause the DCA the most pain.

 

Thanks

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Send this letter......

 

http://www.consumeractiongroup.co.uk/forum/letter-templates/131334-dca-response-threats-home.html

 

Edit to suit your circumstances.

 

Remember that you are not obliged to open the door to them.

Don't get involved in any conversation with them.

 

Regards, Rooster.

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

 

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If it's the subject of a CCJ, then no ****** self-important DCA can make you pay anymoreI think you are correct in refusing to deal with them. I would also send a stiff letter of complaint to the O.C. and contact T.S. the O.C. is acting in breach of the OFT guidelines. it's not the DCA's fault as they will be the normal ignorant walloper with not a brain cell between them

I am a lawyer, but I am an academic lawyer. I do not practice as a barrister or solicitor. You should consult a practising Solicitor BEFORE taking any Court or other action

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Send the letter mentioned by rooster.

 

IF they turn up you don't have to open the door but if you do open the door tell them to s0d off, there is absolutely nothing they can do about it, they have absolutely NO powers at all. Do not get into any kind of discussion with them, give them 5 seconds (or 10 seconds if you have a particularly long driveway) to get off your property otherwise you will call the police (local number not 999) to report a breach of the peace.

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  • 8 months later...

Tesco obtained a CCJ against me about 2 yrs ago. I was ordered to pay £7/mth. A month ago they sent a statement with the balance of the loan at nil, it had previously been about £11K, I am assuming they are going to sell the debt. My question is, what happens about the CCJ considering the account balance is now nil.

 

Hope that makes sense.

 

Thanks

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The CCJ will still be valid until the debt is repaid.

 

Unfortunately, if it had crossed your mind that you didn't have to pay any more (which I'm sure it hasn't); then it would give Tesco a very good reason to go for a possible Charging Order (if you own a property that is).

 

Bloomin' 'eck, I'm sounding like a DCA here.....full of "if's" !!! :eek:

 

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What if you own a property but there is no equity plus your mortgage is up to date - can a creditor force a charging order on you then?

I'm a L-Plate cagger - new at all this but determined to learn as much as I can, to help as many others as I can, and to fight back as often as I can!:-x

Any help or advice from me is offered in good faith, based on my knowledge and experience gained either from here or from my own cases. I am NOT a legal expert. There are several other CAG members and the site team who are much better qualified than me. Please do not make any decisions based on my advice alone.

Donate as much as you can to this site as often as you can! We need to keep on helping each other.

 

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What if you own a property but there is no equity plus your mortgage is up to date - can a creditor force a charging order on you then?

 

 

Here's a good link that should answer most questions you have -

 

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/203298-guide-charging-orders-orders.html

 

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  • 4 weeks later...

I’ve been paying a CCJ off at £7/mth, 2 mths ago I received a statement from the creditor saying the balance was nil, I know I still owe about £11K and assumed the account was to be sold. I didn’t cancel the SO I’d been paying and the next payment went out. Today I received a letter from my bank saying the £7 had been re-credited to my account because the receiving account was closed. I’ve heard nothing from the original creditor or any buyer. Any ideas what’s going on? should I cancel the SO? Is this some kind of wicked DCA plot?

Thanks

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Make sure that you keep the letter from your bank safe, should they make any claims that you haven't paid, you will have proof that you did and the error was at their end.

 

I would suggest that you write a letter qrequesting clarification of the status of the account from the company you have been paying.

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  • 2 months later...

I had a CCJ registered against me in 2008, after receiving papers from Northampton and admitting the debt. I can't find any paperwork for it now. The creditor then applied for a charging order which I successfully defended in my local court, I won on account of living in rented accomodation. I can't find any paperwork for that either.

 

I'm really annoyed with myself because I'm usually very organised with paperwork.

 

Would it be possible for me to get copies of the paperwork from the courts? how would I go about it, as I don't have any case numbers etc?

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  • 3 years later...

6yrs from its birth.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 1 year later...

I received a ccj on a cc debt 6 years ago.

 

 

I made the small payments that the judge ordered,

then after a few months they took me to court again to try and get a charging order on the house.

 

 

Trouble was I was living in rented accommodation.

 

 

After a few more months they sent me a statement saying the account was closed.

 

 

The direct debit was still in place but it was returned to my account.

 

 

I sent them a letter asking what was the status of the account, they ignored this.

The next DD was returned so I cancelled the DD,

I haven’t heard anything from anyone re this account in the past 5 years.

 

Could anyone shed any light on whether they can resurrect this ccj’d account

even though there has been no activity for the last 5 years

and they have said the account is closed with a nil balance.

 

 

I ask this because I may soon have a financial interest in a house

and I don’t want to get a charging order on it.

 

many thanks

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name names and dates please

 

 

and what was the org debt and WHO took you to court.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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The original debt was a personal loan (not a CC) with Tesco finance, it was Tesco who took me to court both times. There was still over £10K owing.

 

The CCJ was in September '08, they tried for the charging order about 2 months later.

 

I received a statement showing the balance as nil and the account closed in November '09. The last DD payment was October '09.

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The original debt was a personal loan (not a CC) with Tesco finance, it was Tesco who took me to court both times. There was still over £10K owing.

 

The CCJ was in September '08, they tried for the charging order about 2 months later.

 

I received a statement showing the balance as nil and the account closed in November '09. The last DD payment was October '09.

Do you regularly check your credit reference files? If so does this debt show on them.

It seems to me that this account may well have been sold on.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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I’ve looked on noodle and this account is there, showing the lender as Tesco, no other names appear.

 

It shows a defaulted date of 30/10/09. It appears that Tesco have defaulted the account then closed it 3 days later.

 

I still need advice whether someone can reactivate the old ccj.

 

Thanks

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usual action to default then sell on.

 

 

so now confirmed as sold

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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