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    • No I get what you're saying and that is fair enough if that's the way it is, but the issue is that the Judge has agreed that I part exchanged my car against a new car but then failed to acknowledge that it was a deposit of some form. To trade my car in and get a discount of a new car constitutes as a deposit by legislation. The Judge has conflicted himself and this is where he is misinterpreting the law.  I also shouldn't have had a scrappage discount and a dealership discount together, it says so in their terms and conditions, which in itself makes the agreement improperly executed at the very least.  This may all make more sense when I upload the trial bundle, it's over 160 pages though so taking a while to redact my information 
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    • don't get too hung up on the real meaning of 'fake' in terms of the documents a claimant might produce relating to a potential court claim. by fake we typically mean, they are not obviously the 'real McCoy' ,100% associated with whatever credit they are trying to pin on punters. they are often of the right 'version' that an OC would have used for that particular take out date, but with details inserted in a diff font where they should be for say your name address DOB etc. All DCA's typically  have filing cabinets covering each year for most creditor, whip 'em out, scan and copy n paste your details onto them, even easier now with online sign ups. no hard copies ever sent cause 90% of mugs have lost them..... one of our most powerful tools is the fact any docs they produce, unless they state they are 'a reconstruction'  MUST come from the original creditor noty some hidden pile the claimants have. Link are absolute masters at this so dont stick to lowell threads. dx    
    • Driving home last night I contacted wing mirrors with a car coming the opposite way. The wing mirror folded in and the glass popped out. Very minor damage.  I stopped at the next layby (A road) to repair the mirror. A passerby stopped and said they saw the other car stopped behind me in another layby - they went back and passed over details so we could get in touch.  The conversation started cordially, but quickly got heated when I said I was well on my side and they drifted over (which is what happened).  I wasn't going to bother filing a claim as there isn't enough damage to justify it. I've said to the other party lets just call it quits as there are no witnesses and we both think we are innocent.   they said they are contacting the police and insurance and that they have witnesses. But a quick facebook search found a post by the other person saying they were in a crash, and were 'spun' off the road. Picture of a broken wing mirror and a slight scuff on the front and rear wheel arch. they are asking for witnesses. I have screenshots of the post, and sent them another message saying I can see you don't have witnesses as you are appealing for them. I'd really not drag this out. Lets call it quits and move on. this was followed by a couple of messages that didn't really make much sense. e.g. 'do the right thing'. What should I do now?  Contact police?  Contact my insurance? - Can I tell them about this incident but say I dont want to claim? Will that affect my premium?  
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United Untilities / 1st Credit Issue


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Some great advice so far on here!

 

What amounts to 'acknowledgement' is a question of fact to be decided in each situation.

 

Having said that, an acknowledgement needs to be clear. A dispute is not reqarded in law as an acknowledgement.

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  • 1 month later...

Pay 1stcredit nothing,challenge them to provide Notice Of Assignment and any documentation they hold.They are bullies and very rarely provide the requested docs.Admit to nothing and certainly do not pay them a penny.I have been disputing a so called debt with them now for 5 years and not once have they provided the correct documents

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Anything that is past 6 years is now SB, so cannot be resurrected, EVER. So what ever they are trying to say is owed past September 2004, is dead and buried, tough cheddar bye bye.

 

 

So whatever that bill is for, and however it is made up, IS statute barred.

 

BUT can they bo11ocks up her credit file? I think they can...but may be wrong.

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

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They often do leave adverse data on CRF's, however without the correct paperwork, ie. a CCA, they shouldn't as it is a breach of the DPA, and the ICO would be very happy to hear of such!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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in theory yeah, but the ico's about as useful as used bog rol

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

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If they do leve a 'false trail' on her credit file it will drop off due to statute barring, no matter what date they put the default at, statute barring does not work from the date of default but from the date of the last payment, if this was some time in 2001 then it is well and truly STATUTE BARRED.

 

Have you tried sending the council tax records from when she moved out to prove she wasn't liable... I had to do this as Thames Water tired to bill me for four years from when I moved out my old address. They were NOT amused to find out they were chasing the wrong person.

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In any case it's for a Utility Bill not chase dup within the first year - so not collectable long before SB kicks in under the Utility Billing Code.

 

BD

 

hi. can you clarify that please?

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

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I stand corrected - thought it applied to all Utilities.

 

In any case it's clear the bill is mainly for a period long after the daughter moved house. If 1st crud won't clarify exactly what proportion applies for her period of occupancy and won't back off ove rthe rest then perhaps its time ot see if either OFWAT or FOS can help?

 

BD

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how useful are Ofwat? Most organisations beginniing "Of---" are pretty useless imo

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

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It will also cost 1st crud or UU a referral fee - so they might look a bit closer at settling if this is threatened.

 

I agree most such public bodies are pretty uselss - but the do at least cost the company harassing real money and a bit of hassle - and MIGHT just get a result.

 

BD

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Huff and Puff - I think there is a clear difference between disputing the existence that you have a debt at all, and disputing an amount that you owe. If you contact a creditor and state that you don't believe you owe them £200, but that you do owe them £50 then - by default - you've acknowledged that you have a debt with that organisation. It's very different to contacting a creditor and saying "I don't believe I owe you anything".

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Huff and Puff - I think there is a clear difference between disputing the existence that you have a debt at all, and disputing an amount that you owe. If you contact a creditor and state that you don't believe you owe them £200, but that you do owe them £50 then - by default - you've acknowledged that you have a debt with that organisation. It's very different to contacting a creditor and saying "I don't believe I owe you anything".

 

:noidea:

And your point is??

How does your difference of opinion help the OP? Black isn't white if it's grey.....as clear as mud! Twice in two days...:spy:

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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It was here HP http://www.consumeractiongroup.co.uk/forum/showthread.php?273784-Attacked-by-1st-Credit&p=3156155&viewfull=1#post3156155

 

I do believe that this 'member' along with another are merely here to attempt to muddy the waters!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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BB

 

I agree. Let's get back to basics.

1. It looks as if the Billing Code can't help as it's not for energy - thanlks to BB for calrifying this point.

2. It looks as if the bill should now be SB in any case.

3. There may be a small debt "morally" if not legally still owed by the OP's partner to UU.

4. ONLY IF UU and 1st crud play ball and give the EXACT amount owed for the exact time the partner was there - and PROVE it - should this be paid now. Any MORAL obligation is negated by the attitude and tactics of this pair trying to force the OP and partner to pay far more than they used whilst actually in residence. This should be seen as extortion and the OC and DCA both now deserve to be taken to account for this - a sthey won't acknowledge this and back off gracefully.

5. Getting FOS and/or OFWAT involved might not get a result - but it WILL cost UU and/or 1st crud real money and hassle to address the complaint.

6. It's my understanding that getting OFWAT or FOS involved will not only cost them money - but I also believe they CANNOT take any legal action (even if doomed to lose) while it's under investigation by OFWAT or FOS.

 

Hope this helps?

 

BD

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  • 2 weeks later...

Hi there

 

ALWAYS demand a PROVE IT statement from a DCA to verify that the bill is yours.

 

After that try and get the LEGAL AUTHORITY that the DCA actually has the power to COLLECT the debt in the first place.

 

Anybody can say XXX has asked me to collect YYY on their behalf -- even if they enclose the original bill they will probably be stymied by this request.

 

If they don't give you the LEGAL AUTHORITY they actually have to collect the debt then you don't have to deal with it any more until the SEND IT. If you get any more threatograms BEFORE they have satisfied the legal request then Harrassment etc notices are in order.

 

After all in theory what's to stop me sending say to say DCA "SCOTCALL" a note from "Sid under the Railway arches" that says You OWE ME xxx GBP.

 

Make sure that every request you ever get from a DCA has 100% legal correctness. Remember the days of Railways "Working to rule" -- if the rule book was 100% applied no trains would ever move --I think even these days a TGV / High speed train technically needs to have a red Oil Lamp hanging on the back of the engine / last carriage. Of course they don't actually have them anymore but legally they might still be required.

 

Also if a request is passed to another DCA go through the same routine. DCA will get fed up so DCA B (lower inj the food chain) will probably send increasingly ominous threatograms such as "Doorstep Collection" and the like.

 

Cheers

jimbo

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Good 'un Jimbo. I may well print that post out and save it as a keeper for future ref.

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

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