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    • Lolerz - I don't understand you.  Rebuked you?   No. I simply replied to your orange comments with legal facts as I know them.  I've already worked through the s42 and s146 issues - over the last 3-4y - and these issues are (mostly) resolved legally.  In terms of posting evidence.  Sure I can post some.  But my most recent questions have been a) how can I enforce a sale before trial?  And b) how can I make a complaint and/or a claim v receiver? (E.g. to which body do I complain?).  At the mo I'm asking for some helpful pointers on those specific questions??  I'm not asking for help with how to prove or present evidence. Fwiw - all evidence for trial has been disclosed (although additions are poss). The lender sent me like 10,000 emails and docs.  There's also 000s of emails, docs, photos, videos, recordings and texts that relate to freeholders/ me.   I read, filed and categorised everything for ease of future reference.  Witness statements and evidence were prepared for trial in the 42 and 146 matters. (now joined with current claim to save duplication).  I've lived the process before.  My current statement and linked evidence has taken like 6 months to draft/ write - to ensure I can succinctly prove my defence and counterclaim points.   Whether I can convince a judge at trial w/o lawyer / barrister is debatable 🙄   But I've prepared.  And continue to try better prepare - which is why I visit this site (and clinics).  This is NOT my business or expertise at all.  I'm just trying.  Not that anyone should ever have to justify why they need help if they ask politely! 
    • Thanks for the other info will also take a look at that.
    • It doesn't use the word reconstructed in the cover letter.  Although, I have just noticed on the cover letter they have asked me to complete a financial statement and offer a repayment within the next 10 days, or they will continue to follow court directions.  They sent a separate letter on the same day advising me they will be continuing with their claim ?  They have done the same for both claims.  Is it worth just doing that - doing the financial breakdown and offering a x amount.    
    • hahah except I can't locate the courier to frighten them with it hahaha   
    • Dx100uk according to the ICO office, who I spoke to at some length earlier today after getting the email from the court, Equita are the data controller if they have instructed the contracted EA. The ICO have noted the case, and stated very clearly that the court has the higher standing in terms of dealing with, and punishing either party if they fail to adhere to the district judges order and any action they take will not be criminal.    but they also stated very clearly that with what I’ve told them, and on the basis of accepting what I’ve told them as gospel (which it is with written confirmation from both the courts and the police) then there is some major red flags being raised on both sides with them blaming each other.    they’ve advised me to essentially keep my powder dry until there is a charging decision and an outcome from the seperate proceedings with the EAC2 complaint, and then come back to them with the case and they will be in a stronger position to act against Equita and the EA as there will be established facts and evidence that have already been laid before a court.     
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
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B&S DCA chasing old HB 'debt' already been to a court - given a conditional discharge.


netsniper
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Hi no he isn't telling anyone and I will take you advice so thank you.

 

Never a good idea to pass on or sell a phone with the original sim card for just this reason.

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Just an update,

I was contacted by B&S who asked me to make some proposals to pay this debt off,

I have been to the CAB but they weren't that helpful and told me to contact them with an offer of £1.00 per week which I did ,

 

I also sent along a budget sheet that I created myself showing them that I only have £9.00 per month left from my benefits as I am already paying them back at a rate of £40.00 per month for council tax that I owe which is being deducted by the DWP.

 

The reply I got from B&S is below which is clearly asking for a figure I just can not pay and with further threats,

as you can see below I don't have much time to reply.

Can anyone please give me some advice.

 

Thank you

 

 

Dear Sir,

 

With reference to the above

we write to advise that your proposals for payment are unacceptable.

 

We would however be prepared to accept payment as follows:

 

£3.55 required by the 31ST May 2012 followed by 11 payments of £3.55 per week

 

Documentary evidence of your benefits must have been received in our offices by the time the above arrangement expires.

 

Please note the above arrangement will not clear your total outstanding balance. This is a temporary agreement only.

 

If you fail to make payment of any of the instalments detailed above, or to supply the documentary evidence requested, the agreement will be cancelled and the full sum will become due and payable.

 

Further action will then be taken for the recovery of the balance outstanding.

If necessary, proceedings will be instigated which may result in the grant of a County Court Judgement.

This will severely affect your ability to obtain credit in the future.

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Hi,

What a load of baloney, your benefits are for you to live on not to pay non priority debts.

 

May I suggest the following.

 

Same addressee as before.

 

Ref:XXXXXXXX

 

Dear Curr or Madman,

 

I refer to your letter regarding the level of payment you ''require'' for this debt.

 

You should be aware that it is I who decides what I can afford to pay towards non priority debts such as this.

 

Your threats of ''Further Action'' have little impact and are of no interest to me,

as you will no doubt know should you decide to escalate this matter to court action the most likely conclusion would be that a judge would award £1.00 per month because of my financial status and dependence on benefits.

 

I am however prepared to be generous and pay £1.00 per week by standing order.

 

I further suggest that if you do not have sufficient authority to comply with this, please refer it to someone who does.:madgrin:

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Got a reply from them today at 8.15 am after they called on the phone which I didn't answer.

 

Dear Sir,

 

FINAL OPPORTUNITY

 

Re: Sundry Debt

 

Council Reference: ********

 

Despite our previous requests for payment of the above account, the sum of £14,394.44 remains unpaid.

It is our intention to return this case to our Client, who may now instigate County Court proceedings.

If the Court grants a Judgement against you then there will be significant consequences:

oYou will Incur Court Fees

oYou will have to Pay Interest on your Debt

oYou will have to Pay Solicitors Costs awarded by the Court

oThe Judgement will show up on any Credit Checks against you and will adversely affect your Credit Rating

 

The Court can also make you Bankrupt, meaning that you will no longer control your assets, which the Official Receiver or Trustee may sell to pay the debt and costs, for example –

oIf you own your own home it may be sold

oYour life assurance policies may be taken and disposed of

oAn order may be granted to take part of your wages for up to 3 years

oIf you are self employed, your business could be closed down and any employees dismissed

oYour credit rating will be adversely affected

 

In order to avoid this action you must pay this debt in full within 7 days.

 

Payment must be made direct to ourselves at the above address (not to the Council) in cash, postal orders, bankers draft, or cheque – please ensure that you quote your reference number with all payments and correspondence.

Payment can also be made by CREDIT or DEBIT CARD by telephoning our office on the above number or on the internet at www.bristowsutor.co.uk (Note: All card payments are subject to a small percentage charge).

 

If you are unable to pay the full amount within 7 days, you should IMMEDIATELY contact our office –

Call us on: 0871 677 0070

Text us on: 07781 488 270

Fax us on: 0871 677 0072

Visit us at: www.bristowsutor.co.uk

 

Yours faithfully,

 

Bristow & Sutor

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Send the drafted letter anyway.

IF the OC gets back to you send

the same letter to them.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Yep that one, didn't know if you had sent it yet.

 

The OC may contact you, but more likely they'll farm it out to another DCA.

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  • 3 months later...

Just an update

it's been a while now now since I had any correspondence from the council until

 

 

a few days back they asked for a budget sheet which I have sent them and waiting for their reply.

 

 

Today I have received a letter from the DWP who also asked me for a budget sheet 2 weeks ago which I sent them which showed I had a surplus of £8.00 a week,

 

 

the letter I received today is telling me that they are going to take £ 17.75 from me every week

which I just can not afford so what do I do now?

 

 

the money they will be taking is for an overpayment as mentioned at the start of this post.

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If you have any non priority debts showing on the budget sheet...eg mobile phone contracts, credit cards etc...they will expect you to drop the repayments to them. If you do not have any non priority debts and the budget sheet puts you on the threshold of hardship to survive, then you need to contact them and tell them this and appeal their decision.

 

WD

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If you have any non priority debts showing on the budget sheet...eg mobile phone contracts, credit cards etc...they will expect you to drop the repayments to them. If you do not have any non priority debts and the budget sheet puts you on the threshold of hardship to survive, then you need to contact them and tell them this and appeal their decision.

 

WD

 

Thank you for you advice.

 

Agreed, send an appeal to the manager of the DWP Debt Management Office..

 

Thank you again for you help.

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Ok I'll review the whole thread and info recd.and get back to you asap. prob tomorrow pm.

 

Brig.

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Hi having read through the thread

I must agree that a deduction based on the cost of your obviously essential mobile phone is unfair and unreasonable,

if the department will not acceed to this then imo an appeal to the Tribunal Service is warranted.

 

So, a formal complaint to the Manager at the office dealing with this,

your budget sheet clearly shows that you would be placed in hardship if such deductions are made,

 

 

lay it all out in a concise form and give explicit reasons to justify the phone contract for emergency use.

 

Notify the department that if they go ahead you wish to enter an appeal immediately.

[note for info only: I have seen Netsnipers I&E by pm as it contains personal data).

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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