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    • I am aware of this treatment. Field Debt Solutions approached me at my door claiming to have a warrant of entry, (one of many lies they used) they KNEW I was classed as vulnerable prior to the visit. This was (later found out by The Ombudsman) allegedly to install a pre payment meter (They know I can not use one). Long story short: I was threatened with criminal damage, the police and them not moving till I let them in. They stated they had a warrant, they did not. One FDS employee was waving a crowbar and smiling, the other was basically terrorising me through the window. I complained to EON and all that they did was lie further, covered up their behaviours After contacting the OMBUDSMAN all the truth came out. I am totally disgusted with the way this company operate. I am equally disgusted that the Ombudsman ere not taking any of the FDS Employees behaviours into account (yet all my claims were upheld) this feels like this section of the whole process is left wide open and that's why this is happening imho. The Ombudsman made me feel like they work for EON, (when it came to the consideration of the employees from FDS, they seemed immune to scrutiny) a very confusing and shocking experience when the penny drooped. I have looked at CISA (?) whom are some sort of organisation who debt collection agencies register with (no idea what for) anyway, FDS are not registered, I can not find them anywhere, they are like some sort of enigma and this is where i am thinking how they are protecting themselves from scrutiny and people gaining remedy from them. I also witnessed a EON employee telling me that "FDS do not have to answer anyone," they would not give me any way of complaining directly to them as is the Gov's advice before A Small Claims Tract. I am just making sure now that I record all my efforts to do what I can to give a chance for FDS to attempt to put right what they did to me. I have witnesses and I intend to take them to court. EON has damned them and all the info they provided shows how messed up and disgusting they are, I seriously have witnessed staff laughing at me on the phone when I am trying to tell them what happened. I t seems if you do not pay a bill (in my case this was out of my hands) Then your deserving of what seems to me an inside laugh as the know how we (the vulnerable) get treated when FDS turn up, yes, very much felt this and challenged one employee once.. I have spoken to a Solicitor and they are happy  to do something for me over this. Also the police were phoned by myself even though they threatened me with police "To Help Them Take My DOOR OF ITS HINGES" The police did turn up, they told me that they rarely ever turn up for these idiots as the FDS and others attempt to use the police through bull crapping them. They also said go through a few hoops and if your not happy come back to them, I have a mobile number as they said that a crime number would come after I have exhausted the other moves. They do not like these Debt People one bit, that was comforting. Sorry if this is a little all over but it was all over complexed (I can see why now) but  just wanted to share my experiences and I will be happy to share further if anyone needs to know. I am still wondering what to do but one thing is for sure, I will not be going away, EVER! good luck
    • what does it say if the claimant fails please?
    • Thanks for the feedback.  We have a professional surveyor friend who is willing to give an opinion, and once done as you say, there's no reason not to inform insurers. And as Eric's brother says, that will also give us, hopefully, a more specific discussion with neighbours. No, we can't view the neighbour's roofing from where we are, and neither can they as it's under their conservatory (we always thought it was a bad move on their part to cover felting with a conservatory!) Interesting that council have enforcement powers, hadn't realised that.  I've also had a builder advise, without visiting the site, that the dividing wall (which may be double-skinned) should have waterproof capping, which it doesn't; so maybe a simple solution is to install that across top of both sides.  Anyway, some next steps for us to take so thanks again.
    • un-en doesn't mean its written off but SB'd passing does.. and no why should you get the money??   they are notional charges that weren't paid by you anyway in the 1st place as there is was outstanding balance greater than the refund.
    • If WFH is what leaves people feeling unsupported then I completely agree that's not good.  I wonder if some organisations were better at keeping communication open, managing the situation and making their employees still feel supported and included.  It's likely there have been lessons learned.
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    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
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      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
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So after being out of the country for just over 6 and a half years I am now back in the UK - living with family. I've managed to get a job, pay isn't great but it's something ... we're still living with family - no possessions to speak of except a few boxes of personal items. I bought a second hand car which is in my husband's name .. I love my family but as the saying goes "too many cooks in the kitchen" - but I feel stuck. I'm so worried about the debts that were left behind when I moved abroad. So here's my questions etc:

 

1. A CCJ was taken out against me in 2002 for approx. £4,000 - £5,000. (I paid this until I left the UK). After checking the Trust records it seems that they reissued the CCJ in 2007 (this had increased to £7,000 - as at 2007 - so I'm sure now it must be a lot more with interest

 

2. A CCJ was also taken out in 2004 a few months after I had left the UK) for £2,700.

 

We can't live here with family forever ... I'm just so afraid that if we move into rented accommodation the bailiffs will turn up .. I have visions of everything we own being hauled through the front door ... I had thought that I'd just save every penny to pay these debts off before we moved into our own place but my husband is now putting pressure on me to move and I'm absolutely torn. I just don't know what to do. (the debts are mine - not his).

 

At the moment I'm driving on my USA licence - I have until next May before that ends and I will then have to obtain a copy of my British licence so it's not as if I can "lie low" - and to be honest after just 4 months of "lying low" I'm pretty fed up of it.

 

What do I do?? What would you do?

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1. A CCJ was taken out against me in 2002 for approx. £4,000 - £5,000. (I paid this until I left the UK). After checking the Trust records it seems that they reissued the CCJ in 2007 (this had increased to £7,000 - as at 2007 - so I'm sure now it must be a lot more with interest
When you say they re-issued the CCJ are you sure it's not a second one? the reason I'm asking is because a CCJ is valid ( for want of a better term) for six years... meaning if they don't enforce it with six years they have to reapply to a court for permission to do so & this is very rarely if ever given.
2. A CCJ was also taken out in 2004 a few months after I had left the UK) for £2,700.
A CCJ cannot be obtained against a non-UK resident so you have grounds to have tht set aside which in effect would put everything back to square one in as much as they would have to re-apply for a CCJ... something they would be unable to do because it would now be Statute Barred.
At the moment I'm driving on my USA licence - I have until next May before that ends and I will then have to obtain a copy of my British licence so it's not as if I can "lie low"
They do not have access to the DVLA database so wouldn't know whether you had a UK licence or not.

 

Given the ages of these CCJs and the fact that they do not know your whereabouts it is unlikely that they are even looking for you. One thing that may alert them is if you apply for credit or open a bank account, but again given the time you spent outside of the UK this is unlikely too as creditors only require you to confirm your whereabouts in the past five years. So technically all you have to do is tell them of your US residency... in a nutshell you will start afresh with a new credit file.


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When you say they re-issued the CCJ are you sure it's not a second one? the reason I'm asking is because a CCJ is valid ( for want of a better term) for six years... meaning if they don't enforce it with six years they have to reapply to a court for permission to do so & this is very rarely if ever given.

 

Well I know I had a CCJ in 2002 - so when I checked the Trust Registry I was assuming that this was the same one but thought they must have "reapplied?" in 2007. My thinking was that they did this just before the end of the 6 year time period (if that makes sense). I am to be honest very confused about it - Im thinking it must be the same one as I wasn't even resident in 2007, having left in 2004.

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They can only obtain one CCJ for a debt not two... a second would be seen as a split claim and definitely a no no. The solicitor involved initionals weren't BC by any chance? Not that it matters now because that can be set aside if necessary too because of your non-UK residency.

 

For now though I wouldn't worry because of the reasons I gave in post #2.


Anthrax alert at debt collectors caused by box of doughnuts

 

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Vir prudens non contra ventum mingit

 

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17 Port & Maritime Regiment RCT

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Well things have moved on slightly now since I last posted. We are now moving into rented accommodation - we had to go through an agency. They credit checked me and we were approved. (I'm afraid to be too hopeful in case anything horrible goes wrong).

 

One question though. I now have to renew my driving licence ie new name, new address. Is this going to cause a problem as far as anyone finding out my new details? Does the DVLA sell on details??

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One question though. I now have to renew my driving licence ie new name, new address. Is this going to cause a problem as far as anyone finding out my new details? Does the DVLA sell on details??
No it won't cause any problems.

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

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Couple of more queries - wasn't sure whether to start another thread but anyway ..

 

I recently applied for a job via an agency by sending them my CV. They phoned me and are submitting my CV to the prospective employer. However, in more likelihood the employer will want to do a background check/credit check. (I had tried to apply via the website for the job but it was asking questions such as "do you have any CCJ's" - I panicked and didnt finish the application. (the position is for a clerical position in the prison service). I'm pretty sure then that if I get as far as an interview they will want prevous names/addresses etc etc. So ... what would you do? take the chance re the credit check or just forget about the job?

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Oh and another one .. does the CCJ/s ever fall of the Trust Registry? I have not checked my credit file (previous name or address) so don't know what is showing on there. Im worried that the mysterious CC from 2007 is obviously still on there.

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does the CCJ/s ever fall of the Trust Registry?
yes six years from the judgement. If it's not on the Registry trust it won't be anywhere & you won't need to declare it.

 

I wouldn't check your credit file using your old address otherwise it will be linked to your new one. Theoretically when applying for credit etc you are asked for your previous addresses over the past five years so you will be covered by being abroad during that period. ;)


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

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17 Port & Maritime Regiment RCT

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