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    • Different statements. One has “at 59 mph overtaking on the approach” and the other “it was overtaking on the approach and in ....... at 49 mph”. So not the same statement (same ethos, different sentence structure).   perhaps they chose that site for the officer because it is an accident hotspot, and they know people do dodgy overtakes (while speeding) there .....??  
    • Hi.   I've moved your thread to the Bailiffs forum. People should be along to advise later.   HB
    • So a little update;   Of the 6 letters I sent 3 were acknowledged. One accepting £1/month for now and two from the same creditor trading under different names asking for full I&E which I haven't done.   In a moment of madness I managed to depsoit 5k to a gambling site I didn't have due to paypal's crazy policy of allowing payments which are to be collected by direct debit after a couple of days to gambling sites! Mad they allow this but this will show as a negative paypal balance (in a different account to the original "debt"). The first paypal -£5k account has been closed and passed to a DCA now. I have ignored them.   My council has appeared to have stepped up their collection efforts for £2.5k in alleged housing benefit overpayment from 2015/16. I have acknowledged their letters over the past 3 years each time by email but they rarely respond to my pleas. I truly think if there was overpayment then it was for less than half the amount they claim. At the time I didn't think I was being overpaid because I wasn't really working but I had stopped claiming JSA/ESA (and told them as much) but earned a couple of hundred pounds a month from sporadic work.   Also what I thought was a dormant debt from 2016 to Halifax has been actually sold ( to caboot? I think. Hard to keep track of everyone)   I've been getting phone calls daily but ignoring them for the most part. I did request all communication in writing in my original letters.   I feel incapable of dealing with these creditors and whilst initially I was feeling that I would be happy to just ignore all the letters (arreas, defaults and the like) and phone calls for an indefinite amount of time and  hope to make it 6 years to statute barred-ness and accept or defend any CCJ attempts that did arrive. I figured that avoiding these creditors for 3 months so far is 5% of the way there to statute barred! But I figre for these fairly sizeable amounts they probably won't all let it go and I will get some CCJ docs (never had to deal with that) However now my mood and thinking has changed.    I am looking again at insolvency. I'm over the DRO limit now so its BR or nothing. I was wondering why you said to not consider this and it would be stupid @dx100uk? Although shirking my debts/responsibilities it does seem like an "easy" way out at the moment. It would be so nice to know that what's done is done and to be able to draw a line in the sand and start again in a year or so and not have to avoid creditors or worry about what's coming next...   It certainly would help the environment what with the amount of letters that are arriving already(!) considering the first payment I missed was october/november (excluding the old halifax and council debts). I am exordinately stressed about it now even though I thought I would be already . Any advice would be great if it was to get my head out of the sand and contact people/do the ignoring thing and seeing what happens/reasons  to do or not to do bankruptcy for these unsecured debts?   Thanks      
    • Hi everybody   Had a knock on my door and was confronted by either a Bailiff or enforcement agent (not sure about the specific job title). When I opened the door he stuck his foot in so I couldn't close the door. I was video taping him so I took a few steps backward (to get him in shot) and he just fully entered the property despite me saying that I was denying him entry and he refused to leave thereafter.   Turns out that he was there to collect a court issued fine. I think from a Magistrates Court. He worked for this outfit:   www.marstonholdings.co.uk   The reason for the fine was something to do with "driving without car insurance". Now I had a cheap car a few years ago but it broke down and would cost more to fix than it was actually worth. So I sold the car for scrap and cancelled the insurance. Turns out you have to inform the DVLA when you scrap a car and them that it is no longer on the road (I was unaware). So this was the circumstances of the visit.   My question is did he have the lawful right to enter the property? I always thought these people were like vampires i.e. they can only come in if you invite them in.   tia Bear  
    • oppss again then if its the same person.   knows the road well so should know what the speeds are and where they apply..      
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Swany79

Pastdue Credit Solutions

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I received a letter demanding £128 for a British Gas bill that dates back to April - August 2008.

 

I am the landlord of the property in question and had an acount at the time. The house was lying empty during these periods with services turned off. So nothing was ever used.

 

I sent past due a letter basically saying they had 28 days to prove to me that the debt was mine and provide me with the bills meter readings etc.

 

I had a letter of acknowledgement from them saying they had contacted British Gas and i would receive said bill with 28 days. These 28 days have now passed and during that time i have received another threatening letter demanding the money. Today i received a letter offering me a good will gesture of £64 and the account will be closed.

 

I phoned them asking where the proof was the debt was mine. They informed me that British Gas had archived my account and that the details werent available. They were demanding payment on phone so i told them where to go and hung up.

 

What should i do now? I am also based in Scotland.

 

Thanks

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Hi

 

First off I'd be dealing with BG If you think about it I could write to you demanding money and then say sorry I have no proof but you need to pay me anyway.

 

I'd now ignore the fleecers.

 

Get on to BG and demand a copy of the bill. If they have archived it then they will damn well have to go and find it in my opinion.

 

Stay off the phone and do everything in writing

 

ims


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Welcome to CAG by the way :-D


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

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Hi

 

First off I'd be dealing with BG If you think about it I could write to you demanding money and then say sorry I have no proof but you need to pay me anyway.

 

I'd now ignore the fleecers.

 

Get on to BG and demand a copy of the bill. If they have archived it then they will damn well have to go and find it in my opinion.

 

Stay off the phone and do everything in writing

 

ims

 

Thanks for the reply. I shall phone them. I can prove the house was empty by providing council tax letter.

 

I gave British Gas readings the day i got keys for the house but when tennant moved into my house in August 2008 it was the new tennant that gave the readings.I have no way of providing British Gas with the readings.

 

The gas and electricity was shut off.

 

I now have no way of proving i didnt use this gas.

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Thanks for the reply. I shall phone them.

 

Don't mate, keep everything in writing, that way you have a record. It may be tempting to vent your spleen at them but anything said in a phone conversation is almost useless.

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They wrote to me too about an overdue I had with British Gas over 5 years ago. By then I used to live in a property with a pre pay meter and an electric boiler.Called British Gas and they too told me that my account was archived so I rang Past Due Credit back telling them so but they still sending me letters. Last one arrived today with an impeding action.I just ignore them completely

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the best way to deal with past credit is to ignore em totally....and impending action means we will send you another letter in a week or two with more demands...nothing but hot air

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the best way to deal with past credit is to ignore em totally....and impending action means we will send you another letter in a week or two with more demands...nothing but hot air

 

Thank you. I'll just ignore them from now on as I have spoken to British Gas and they told me that my account was closed with no problem years ago.

When I asked to PDCS to provide me with a Bill from British Gas they refused and sent me that letter instead.

Hope they'll go quite

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