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    • a CCJ does not 'expire' thus does not need any application to a court to 'extend it'. if a CCJ has not been enforced within 6yrs, then it is very unlikely any court would grant such should the claimant return to court, of which the defendant would be advised -( unless they have moved and not informed the court & the claimant such) .  
    • I contacted them when it happened. The caretaker came over, looked at it, and walked off with the tree chunks of mortar. Next morning, they had a roofer come over and enter our garden to inspect it. Friday they were supposed to speak with a scaffolding company. I had to bring up liability and potentially calling the council to report 'an unsafe structure' before they even got moving. They know all about the wedding, the preparations, our patio contractors etc. but their attitude doesn't instill me with confidence. My fear is it will end up being a legal matter which is why I posted here to hopefully receive some advice. As far as I can see, the roof is in a state of disrepair, even if it's just the mortar breaking lose due to the size and weight of the chunks - and even from ground level it's visibly clear that multiple pieces have fallen over time (though never this size so we haven't been able to identify the issue till now - we thought it was rubble left in the garden by the previous owner). Currently, we can't use 25% of our garden due to the risk of more falling mortar which is more than just an inconvenience, we can't proceed with our contractors, and at worst, it will run up in several thousand of extra expenses for us, if we have to find a wedding venue. Even if they do have it fixed in time, and we have to settle for renting a marquee and floor for the marquee and furniture and whatnot it will be additional costs only due to the neighbour's roof.
    • please create your OWN topic by hitting create or + in the top red banner  
    • It will be years before Banks would sell to a debt buyer.  Sometimes Banks will use external debt collectors to try to collect, but generally Banks don't take Court action.  So you could be looking at 3 to 6 years, before any dca owning debt looks to take any Court action. And it is not definite that this would happen. So no need to feel pressured at this stage. In the event you found yourself unemployed, you have time to engage with Banks to advise of your situation and ask for time to deal with the situation, find new employment. As long as you inform the Banks they will offer assistance they can. E.g offer payment holiday or accept reduced payment for period. What you should not do, is not contact the Banks and simply default on payments. 
    • I'd get back to them tomorrow, and explain the circumstances, that you have a wedding reception, and just appeal to their better nature. Hopefully they will be able to move sooner rather than later, especially if you go in in person and speak to them, and show them the issue.
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Wescot chasing digibill???


clemma
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Don't know what to do about this one. Again it is in OH's name and is only for £36. He denies all knowledge (since I found out what Digibill is :eek:), but on investigation, the subscription was taken out while we were abroad....I think the ex-lodger may have signed up to something he shouldn't have done. What can be done? Ex-lodger say's it's not him as well.

 

Is it worth just paying Wescot to get rid of them?

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Don't know what to do about this one. Again it is in OH's name and is only for £36. He denies all knowledge (since I found out what Digibill is :eek:), but on investigation, the subscription was taken out while we were abroad....I think the ex-lodger may have signed up to something he shouldn't have done. What can be done? Ex-lodger say's it's not him as well.

 

Is it worth just paying Wescot to get rid of them?

 

If its the type of channels i asume that means:oops: it could be worse, i know someone who had to put a bill like this on there Banckruptcy petition, she was dreading the official reciever asking her to explain what it was:eek::p

 

(Oh By the way it was her OH who used her CC to sign up, just in case you where wondering:D)

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It is the type of channels you think :eek: No CC details given, but they did try and take £36 from my account....not on my shift, I don't think so!! DD was cancelled, phone calls made blah, blah.

 

The thing is, it was done through the digibox by pressing red(so they say) and they have our account details.....

 

I take it the prove it letter is the way to go then?

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I sometimes wonder whether these companies do this specifically because they think people will be too ashamed to argue.

 

I know of a guy who started a video [problem] and it ran like this.

 

They advertised in the local press in the "classifieds" personal XXX videos - £500 worth of tapes for only £25, limited supply first come first served.

 

There was a limited supply.....1

 

Several hundred people would apply and the 1 copy sent out (he gets a bargain) the rest of the customers, after a period of time get cheques to refund their money - the cheques are clearly marked "XXX BEASTIALITY & PORNOGRAPHY COMPANY XXX" - consequently most of the people are too ashamed to bank them . hence most of the refunds never get banked.

 

he made a lot of money out of that.....

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:eek: What's the channel number :p
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NVM - is this the one I need

 

Dear Sir/Madam,

 

Reference no: 00000000000

 

You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.

 

I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).

 

I am/we are familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

 

I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

 

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

 

I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.

 

I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

 

I/we look forward to your reply.

 

Yours faithfully,

 

Clemma's stupid OH

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I sometimes wonder whether these companies do this specifically because they think people will be too ashamed to argue.

 

I know of a guy who started a video [problem] and it ran like this.

 

They advertised in the local press in the "classifieds" personal XXX videos - £500 worth of tapes for only £25, limited supply first come first served.

 

There was a limited supply.....1

 

Several hundred people would apply and the 1 copy sent out (he gets a bargain) the rest of the customers, after a period of time get cheques to refund their money - the cheques are clearly marked "XXX BEASTIALITY & PORNOGRAPHY COMPANY XXX" - consequently most of the people are too ashamed to bank them . hence most of the refunds never get banked.

 

he made a lot of money out of that.....

 

Well thats just added a couple of intresting words to find CAG under in a google search, anyone searching for either of those wont be expecting a link to a site like this:p lets just hope they debt problems as well:D

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  • 3 weeks later...

After Wescot's letter the other day, they have now sent me a pretty one that is all pink and red. They MAY lodge a claim with Hull County Court, charging me £80, and it is my final notice. Should I write some sort of "this account is in dispute" letter. If so, has anyone got a copy of which letter I should send?

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  • 4 weeks later...

Well, got a letter back from Wescot today saying that they are sending the file back to the OC :D No doubt some other lowlife will come along soon to try and demand the money :rolleyes: At least it only took one letter to get rid of Wescot though.

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