please help!!!

[postggj]

hi ben

 

when was the ccj issued

do you have confirmation from the court

 

in the early days, welcome hardly went legal

to much dirty laundry

[postggj]

do one of these free online credit checks in your case

that is if you have no past debt hiding in the closet

 

if the ccj was over six years ago, they would be very hard pressed to get any court to enforce it now it has droped off your credit file

but needs to be confirmed

 

send the dca the telephone harrasment letter to begin with

 

 

send them this

 

Harassment by telephone

 

Account Number: XXXXXXX

I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing.

I have verbally requested that these stop, but I am still receiving calls. (Delete if necessary)

I now require all further correspondence from your company to be made in writing only.

I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.

Be advised that any further telephone calls from your company will be recorded. (**Even if you don‘t yet have recording equipment!!**)

__________________

 

 

my feelings on this is the dca have no chance

not even a court option

[postggj]

thats the way to deal with them

from now on keep a log of the calls

record them if you can, you are allowed to and not tell them

 

send recorded delievery

 

let me know asap if the ccj or default if any is off your credit file

 

they are realy chancing there arm this lot

prob got the account for pennies knowing they have no chance to enforce or collect

[postggj]

until the harrasment letter kicks inn

 

tell the dca you dont acknowledge any debt and as usual every thing in writing and just put the phone down

[postggj]

thank my old pal cyber for this:-)

 

AFAIK whoever owns the debt has to apply for enforcement, but I seem to remember reading somewhere that if a DCA buys a debt which has a CCJ they have to enforce it within 6 months, no doubt someone will correct me.

[postggj]

if the n1 claim form was served at a previouse address with out your knowledge

 

thats grounds to have the ccj set asside. like it never happend

 

common tactic that with our dca friends

[postggj]

yep

[postggj]

the ccj is still active

its just the permission of the court would be needed to enforce

we will put the set asside on the back burner for the moment

its not needed

[postggj]

thats the point

it seems the ccj is over six years old

they would need the permission of the court to enforce

as its been so long

no chance

 

thats why welcome have floged it to the dca

 

as stated

if a dca does not start enforcement action with in 6 months of the debt assignment

 

they can then swing for it

[postggj]

seems they are trying to get you to acknowledge the debt

 

have a bit of fun with them to begin with

 

send them the statute barred template

 

see what comes back

[postggj]

me thinks they have no knowledge of the ccj

even if they glanced at your credit file, prob been deleated by now

 

go the statute barred route to begin with

[postggj]

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

[postggj]

now now sam

 

you know the tricks of welcome as much as i do

 

now would they do some thing like that

 

you bet they would

[postggj]

hi sam

 

i hope you dont mind me butting in

 

you seem to be handling this fine

 

i think that women from jb is just working of a script and doing the mind game number ben

 

i think a recorded put up or shut up letter is now needed

a petition for bankrupcy would be through the court, then the or would be involved

 

its obviouse jb are being naughty

 

see what comes back ref the statute barred template, if they ignore that and fail to give a response, we will go for the throat

 

its clutching at straws time for jb me thinks

[postggj]

its a waitinggame now

jb have up to eight weeks to reply if they want to

 

its still bog off till they comply

account in dispute

[postggj]

ditto on that one sam

[postggj]

hi ben

 

ill be with you later on today

 

going through my inn box as only just back on line

 

regards

[postggj]

thats being on line for about five minutes then all the software getting deleated from my usb dongle

 

had a very nasty virus

even a reformat had problems

 

ended up getting a new pc

 

back on line now though and have got to you on my long list

 

regards