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    • as this situation has now come up again for you, how confident are you that if you get on the straight and narrow with having a respite of 60days (Options for dealing with your debts: Breathing Space (Debt Respite Scheme) - GOV.UK (www.gov.uk)... would you then be able to resume ok? if not quite honestly, the very best thing you can do is to get ALL your debts defaulted by the issuance of and the registering of a Default Notice from each creditor. this is done by stopping ALL PAYMENTS, it wont hurt you short term, esp as all the debts are still with the Original Creditors. this of course will kill credit for 6yrs, but, will cause the debts to vanish from your file (paid or not, paying or not) on the DN's 6th B'day, but of course that wont mean the debts are not still owed, legally, just your file will be clear of them all. if you read a good 10-20 of the stories in this very same forum you found to start yours, you'll soon get the idea behind the advice given. as for things like IVA/BK etc NEVER EVER do those, that secures unsecured debt. just contact one of the free DMP providers and get breathing space implemented, that gives you a 60 day buffer to firm up your future actions. but DO NOT enter into a DMP, do one yourself. they can be a bit pushy, but simply insist you just want breathing space invoked, i would only be giving them enough info to achieve BS too, don't give them anything you don't need too, they are funded by the banks and debt collectors and can sometimes be over intrusive and nosy wanting info that is better not revealed. dx    
    • “Not realising it was a no parking zone” doesn’t help you if the timing is correct, as (at least, on Google Maps / View) there is clear signage ('7am to midnight', parked at 15:22) What might be worth pursuing is the "ticket handed to driver" aspect : do you have any view on why they would be  stating that?
    • it's 85k of turnover (well, now £90k). However, you're digging yourself into another hole here. That ship has probably long since sailed. Is it worth pursuing this? You're not going to get anything back from it either way.
    • Hi,   A few pointers from yesterday to take note of evris cpr 27.9 failed again so we should really make issue of this also their WX fail to comply with CPR so again we should take issue with their statement of truth  you cant get tort if you get damages under subsection 7 of CRA because its double recovery  - not sure what we think of this? however its the first time i saw the judges make reference to your non automatic rights from s49 which s54 and 57 assist with. We should start stating this specifically for claims as I think its much better than just 49 and 57 as we need to make it clear where our non automatic rights come from as 54 automatic frankly dont help  I have sent the claim form and defences to the admin email because I can’t upload them for some reason as it wont let me but thought this may help as its the first time we’ve taken tort to trial. although i think the DDJ was honestly struggling to understand some parts of the law because he was asking me about them and how he should interpret them, especially for the automatic. Will apply for transcript if you want it?
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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please help!!!


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Thanks for that Sam.

I've signed up for my credit file today so as soon as i get it i'll post back on here and let you know more about the ccj.

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nope.

All they say is that they want to arrange repayment (when i give them the chance to talk).

 

They keep sending me texts saying please contact us regarding settling this account at a greatly reduced amount.

 

hope this helps

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The latest text message recieved from JBDR is as follows...

 

I refer to our previous contact.

To take advantage of a special settlement proposal please contaact JBDR on 0141******

quoting ref ******

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Will do. I get the feeling they're just trying it on. Otherwise wouldn't they have pushed for enforcement or at least mentioned ccj by now?

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i'm on with it now. Thanks guys. Will keep you all posted

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me thinks getting well ahead of our self on this one

 

did you get a n1 county court claim

have you had any paperwork from a court

 

welcome are very big on saying they have issued a claim

 

most of the time its bs

 

do you , or have you had at any time correspondants to say you ever had a ccj

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they either dont know. or know and KNOW that they are up the creek without a paddle.

if they had anything it would have been a case of 1 contact,pay up or we will enforce:D

 

you could check court registry on line and see straight away,but it costs £8.

 

I would also say send them statute barred,see what they get back with.

you should have credit file by then.:D

 

SAM

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me thinks getting well ahead of our self on this one

 

did you get a n1 county court claim

have you had any paperwork from a court

 

welcome are very big on saying they have issued a claim

 

most of the time its bs

 

do you , or have you had at any time correspondants to say you ever had a ccj

 

 

now thats a thought.could welcome have fibbed:eek:

 

SAM:pLOWELL DETESTER

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i sent of statutue barred letter which they signed for on wednesday.

have also seen my credit file and there are NO ccj's or defaults from welcome.

there are a lot of address ascossiations put on my credit file by welcome (27 in all)!!! Why would they do that???

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http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

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no sam. the are around 4 associated addresses but there are 27 entries.

 

a few companies have entered the same info several times over but changed the format slightly.

Edited by ben1305

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no sam. the are around 4 associated addresses but there are 27 entries.is this welcome keeping a eye on you

 

a few companies have entered the same info several times of but changed the format slightly.

companies as in DCA? and trace or search

 

 

 

are any of these JBDR?

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no. companies as in... my our mortgage provider, our joint bank account, my partners bank have even put an entry on my credit file.

 

There are even 4 entries made by experian which are all dated the same.

Now i'm confused.

 

There are no entries from JBDR at all Sam.

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SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

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so there is no default or ccj on your file.

 

if there had been and it has now fell off,you will have to wait and see if they mention ccj.

 

how long have they been in contact?

 

 

They've been in contact on n off for the best part of a year i would guess. I've had threats of alsorts from them, even to the point where one of their monkeys rang up pretending that she was an OR and that they had BR'd me.

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http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

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no. companies as in... my our mortgage provider, our joint bank account, my partners bank have even put an entry on my credit file.

 

There are even 4 entries made by experian which are all dated the same.

Now i'm confused.WHAT DO THESE SAY.

 

There are no entries from JBDR at all Sam.

what date did JBDR first contact you

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Name:MR XXXXXXXX

Address:XXXXXXXXXXXXXXXXXXX

Date of birth:XXXXXXXX

Associated with:XXXXXXXXXXX

Date of birth: xxxxxxxxxxx

Confirmed by:CREDIT EXPERT REPORTDate:19/07/2009Note:This information was provided to us as part of a report application or from information given after receiving a credit report.

 

 

I've copied this straight from my credit file, obviously I've removed all the personal info and replaced it with X's

I honestly could not tell you the date JBDR first contacted me.

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<<<<<<<<<<<<<< If you find me helpful please click on my scales

 

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SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

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you have no way of finding out if there had ever been a ccj.

its over 6 years,off your file and been removed from central court records.

 

IF they respond to your statute barred and mention ccj.they CAN NOT do anything even if they have original details.

permission will not be granted.

 

what do you mean by pretending to be OR?

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exactly that.

The woman spoke really quietly and extremely quickly...

She said she was Miss M from blah blah and had bee appointed my OR as JBDR had petitioned me for bankrupcy. she went on tho say that she and the creditors were holding a meeting to discuss my assets and that i should seek legal help.

 

Funny how everytime i asked her to speak up she just ignored me and carried on with her BS.

 

In the end i told her to p*ss off as she was obviously speaking quietly for a reason known only to her

My opinions are my own and not those of anyone else :D

 

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SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

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as long as it is 6 calandar months since they contacted you they will not be able to enforce a ccj.

 

I think that their had been one but its to late for them now,:D

game over.

 

are you at the same address now,that they first contacted you at.

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