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    • I apologise if I was being unclear. Where it currently stands is that they will have it repair, placing scaffolding in our garden for 5 days. They have moved fast, but we will still have to postpone our contractors, meaning, we won't necessarily have the work done in time for the wedding and therefore will incur additional expenses for either a marquee or a wedding venue. They are vehemently against having any kind of liability in any regard but continue repeating that they are legally entitled to use our garden for their repairs (I believe this is true unless the work can be carried out using a cherry picker). The neighbour seems either indifferent or oblivious to the fact they can't reach all of the side of the roof from the space where they can place the scaffolding. They have asked their roofer of choice about using a cherry picker but the roofer has said it wasn't possible. It's not clear whether the roofer doesn't want to use a cherry picker or whether there is an issue with it. They have told us it is a problem that we are installing a gazebo as it will prevent them to access their roof from our garden in the future?!?  
    • Couldn't agree more, really wanted a true ruling on this just for the knowledge but pretty sure the Judge made some decisions today that he didn't need to?.. maybe they all go this way on the day? We hear back so few post court dates I'm not sure. Each Judge has some level of discretion. Their sol was another Junior not even working at their Firm, so couldn't speak directly for them! that was fortunate I think because if she would have rejected in court better, she might have  been able to force ruling, we are at that point!, everybody there!!, Judge basically said openly that he can see everything for Judgement!!!  but she just said "I can speak to the claimant and find out!" - creating the opportunity for me to accept. I really think the Judge did me a favor today by saying it without saying it. Knowing the rep for the sol couldn't really speak to the idea in the moment. Been to court twice in a fortnight, on both occasions heard 4 times with others and both of my claims, the clerk mention to one or both parties "Letting the Judge know if you want to have a quick chat with each other"! So, it appears there's an expectation of the court that there is one last attempt at settling before going through the door. So, not a Sol tactic, just Court process!. Judge was not happy we hadn't tried to settle outside! We couldn't because she went to the loo and the Judge called us in 10 minutes early! - another reason to stand down to allow that conv to happen. Stars aligned there for me I think. But yeh, if the sol themselves, or someone who can make decisions on the case were in court, I would have received a Judgement against today I think. She was an 'advocate'.. if I recall her intro to me correctly.. So verbal arguments can throw spanners in Court because Plinks dogs outsource their work and send a Junior advocate.
    • that was a good saving on an £8k debt dx
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    • "We suffer more in imagination than in reality" - really pleased this all happened. Settled by TO, full amount save as to costs and without interest claimed. I consider this a success but feel free to move this thread to wherever it's appropriate. I say it's a success because when I started this journey I was in a position of looking to pay interest on all these accounts, allowing them to default stopped that and so even though I am paying the full amount, it is without a doubt reduced from my position 3 years ago and I feel knowing this outcome was possible, happy to gotten this far, defended myself in person and left with a loan with terms I could only dream of, written into law as interest free! I will make better decisions in the future on other accounts, knowing key stages of this whole process. We had the opportunity to speak in court, Judge (feels like just before a ruling) was clear in such that he 'had all the relevant paperwork to make a judgement'. He wasn't pleased I hadn't settled before Court.. but then stated due to WS and verbal arguments on why I haven't settled, from my WS conclusion as follows: "11. The Defendant was not given ample evidence to prove the debt and therefore was not required to enter settlement negotiations. Should the debt be proved in the future, the Defendant is willing to enter such negotiations with the Claimant. "  He offered to stand down the case to give us chance to settle and that that was for my benefit specifically - their Sols didn't want to, he asked me whether I wanted to proceed to judgement or be given the opportunity to settle. Naturally, I snapped his hand off and we entered negotiations (took about 45 minutes). He added I should get legal advice for matters such as these. They were unwilling to agree to a TO unless it was full amount claimed, plus costs, plus interest. Which I rejected as I felt that was unfair in light of the circumstances and the judges comments, I then countered with full amount minus all costs and interest over 84 months. They accepted that. I believe the Judge wouldn't have been happy if they didn't accept a payment plan for the full amount, at this late stage. The judge was very impressed by my articulate defence and WS (Thanks CAG!) he respected that I was wiling to engage with the process but commented only I  can know whether this debt is mine, but stated that Civil cases were based on balance of probabilities, not without shadow of a doubt, and all he needs to determine is whether the account existed. Verbal arguments aside; he has enough evidence in paperwork for that. He clarified that a copy of a DN and NOA is sufficient proof based on balance of probabilities that they were served. I still disagree, but hey, I'm just me.. It's definitely not strict proof as basically I have to prove the negative (I didn't receive them/they were not served), which is impossible. Overall, a great result I think! BT  
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Westcot - Postcard through my door


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Hi All,

 

Apologies for posting a new thread i am sure the information is somewhere on here, i am just feeling really stressed and upset. I recieved a postcard through my door, which i now know i should never have replied to. It related to a debt from 2004 i think, but i cant be sure. They say i owe £3000 and made a payment in 2006 again i have no recollection of this. I have had debts in the past but i was sure i had paid everything off.

 

I believe that as i have confirmed my address and date of birth that i have now accepted the debt? Is this true? I never admitted to the debt over the phone. I am terrified that they will try to get money off me now. I really need advice on what to do. I have asked for a breakdown of the account as i have no recollection of it. Is there anything else i should do at this stage. I am really down and stressed out about this, my debts caused me to loose everything a few years ago, i thought i had got my life back now this.

 

Not sure what to do. any help would be great.

 

Thanks.

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Hi manc

 

Welcome to CAG

 

Well you've just had an example of Rule 1 . . Stay off the phone

 

All you've done is confirmed that you are you and where you live and opened the flood gates so be prepared for the grap mail to start

 

The only way to acknowledge "The debt" is in writing or by a payment, talking of which if they reckon you made one in 2006 they must provide absolute proof

 

Get your thinking cap on and try to recollect any/all the info you can

 

They have to prove you owe them money not the other way round

 

Don't panic for now, wait and see what thier next move is but get to work in the mean time

 

good luck

 

R

[sIGPIC][/sIGPIC] I asked them to wait whilst I got my Bank card :violin:

------------------------------------------------------------------------------------------

 

Information that may help if a CCA request is refused due to the lack of a signature . . http://www.consumeractiongroup.co.uk/forum/showthread.php?248863-Signature-demands-fight-back-possible-!&highlight=

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send a prove it letter?

 

I disagree at this stage

 

Let them show thier hand first

 

R

[sIGPIC][/sIGPIC] I asked them to wait whilst I got my Bank card :violin:

------------------------------------------------------------------------------------------

 

Information that may help if a CCA request is refused due to the lack of a signature . . http://www.consumeractiongroup.co.uk/forum/showthread.php?248863-Signature-demands-fight-back-possible-!&highlight=

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How much info is on the post card, as I doubt there

is enough on that to warrant a prove it letter?

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Thanks guys, I'm really glad that me phoning them back and confirming who i am is not accepting the debt, as i read on another forum.

 

The postcard was really bizarre just came through letter box to the occupier asking to phone emma back on a number quoting a reference number. I feel really stupid having phoned them, reading the forums here. I did not give them phone number and used 141.

 

I think i will take revernant's advice and wait to see what they do. It is so hard to think about payments i made in 2006, but i am pretty sure any debts i had were cleared in 2004. I wait and see with what they come up with.

 

Thanks again guys. Feel a bit better about this already.

 

m

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Thanks guys, I'm really glad that me phoning them back and confirming who i am is not accepting the debt, as i read on another forum.

 

The postcard was really bizarre just came through letter box to the occupier asking to phone emma back on a number quoting a reference number. I feel really stupid having phoned them, reading the forums here. I did not give them phone number and used 141.

 

I think i will take revernant's advice and wait to see what they do. It is so hard to think about payments i made in 2006, but i am pretty sure any debts i had were cleared in 2004. I wait and see with what they come up with.

 

Thanks again guys. Feel a bit better about this already.

 

m

 

 

Naughty Wescot writing to "The Occupier" . . basic breach of guidelines straight away :sad:

 

Just get on with life and listen for the letter box to rattle :wink:

 

R

[sIGPIC][/sIGPIC] I asked them to wait whilst I got my Bank card :violin:

------------------------------------------------------------------------------------------

 

Information that may help if a CCA request is refused due to the lack of a signature . . http://www.consumeractiongroup.co.uk/forum/showthread.php?248863-Signature-demands-fight-back-possible-!&highlight=

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I had one through the door the other day,, think it was phone Finlay.... or something like that. Addressed to Occupier... sent it back as I knew it was Westcotts telling them that no one by the name of Occupier lived at this address

 

I think it is for ex Mrs Hippy !!!!!!!!!!

[sIGPIC][/sIGPIC]Happyhippy1959

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I have signed letters for clients, Mr. T.H.E. Occupier, and does not acknowledge

ant debt to your company, did this to Moorcrap, Mac Hall, and Ruthbridge, they never

heard another thing from them.:madgrin:

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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I had one through the door the other day,, think it was phone Finlay.... or something like that. Addressed to Occupier... sent it back as I knew it was Westcotts telling them that no one by the name of Occupier lived at this address

 

I think it is for ex Mrs Hippy !!!!!!!!!!

 

It seems they are sending a bulk load out like this, I also received one addressed to The Occupier.. I marked it as not known at this address and junk mail, return to sender.

The views expressed on this website are mine alone and don't reflect the views of my employer!

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Every one getting a post card must reply as

Mr/Mrs T.H.E Occupier and deny the alleged debt.:madgrin:

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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yo,,,, that Mr and Mrs Occupier really have run up the debts,,,, they must owe billions.... And Finlay if your trolling about here,, Mrs ex Hippy owes me some dosh too so if you find her can you act on my behalf...

[sIGPIC][/sIGPIC]Happyhippy1959

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And please don't forget to forward all complaints to the OFT&TS via consumer direct for the blatant disregard for the OFT debt collection guidelines and the data protection act!

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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Damn BB forgot about that bad boy...; hope they send Mr White round,,,, I always hit me phone on record now before I open the door,,,, nice to be on the safe side really... Must put that camera up as well.. but that may put them off.

[sIGPIC][/sIGPIC]Happyhippy1959

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Get out the full Hippy garb, stick a flower in your

hair and call him sweetie if he calls:madgrin::jaw:

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 3 weeks later...

Hi All,

 

As predicted recieved my first letter from Wescot today. Having asked them on the phone to send me a breakdown of the account and the detail of the payment i made in 2006, which i do not believe i made, i have now recieved a letter which says

 

"Despite a number of requests for payment, you have failed to agree and maintain an acceptable repayment plan on the above account...."

 

It goes on to say that my account has been refferred to Nelson Guest and Partners solicitors with a view to issuing proccedings against me. Firstly they have not made any attempt or any requests for payments yet, and i asked on the phone for them to send me details of the account which they have failed to produce.

 

they are threatening me with A charging order against my house

an attachement of earnigns order

and a warrant of execution

 

Can they do any of this without producing evidence of the existence of the account.

 

Can you also give me a link to the best prove it letter on the site.

 

Also they sent a postcard to the occupier to my house, i think one of you said this was a breach of the rules, should i bring this up the prove it letter?

 

Any help would be great guys. Sorry had a look for the letter on the site but could not find it.

 

Thanks

Manc:-x

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Ignore stupid post cards.,

Take a look through the CAG library

and pick a template and amend to suit

your case.

The refusal of information is sus,regarding SB,refresh my decrepit

memory does this show on credit report files and if so what's

 

the detail???

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Ignore them, they have done diddly squat, they are merely phishing.

 

Once they pass it onto their next desk NG& puppets you can tell them to clear off too.

 

That is a standard computer generated threat letter, they all use the same template, "despite our previous attempts" when they clearly have sent nothing and haven't even contacted you previously.

 

The threats are just that, and empty ones at that, they need to issue a summons first before they can do any of that nonsense, and then you will be able to defend it.

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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