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    • I was looking for advice. I have no money. This has been dormant for several years as you can see on Page 1. Am I better to go to mediation, or to carry on and fight the case ? They still have not provided the documentation I requested ? With coronavirus can I email a scanned N180 ?
    • See the document in the following link. Parts 2048 and 2049   https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/864939/admh2.pdf   By declaring the capital asset correctly, you are then enabling the disregard action to take place.n
    • Hi DX,   Thanks for your time and advice.    I really cant remember if / when it was defaulted etc because 20yrs ago my finances were a bit of a mess. I thought I finally cleared everything just with deals with collectors and one debt did go to court and I had a CCJ which I paid in full and is about 9 years ago and no longer on my file.   I started to live in another country for about 10 years and have been back in the UK now for 6 years so I was surprised to see this suddenly crop up on my file a couple fo days ago.   I've attached a pdf with 2 screenshots of Credit Karma screens, the left screenshot is my front page showing the alert for the Halifax and the screenshot shown on the right is how they listed it, almost as if its a live credit card except the Credit Limit shows as £0   Do you know if when I write to them, are the obliged to remove it from the credit ref agencies or will it be on there now for 6 years?   Thanks again for your help Pip credit report.pdf
    • Just a question details below is the filing history  A claim was issued against you on 02/12/2019 Your acknowledgment of service was submitted on 04/12/2019 at 20:28:57 Your acknowledgment of service was received on 05/12/2019 at 08:05:28 Your defence was submitted on 14/12/2019 at 11:45:17 Your defence was received on 16/12/2019 at 01:21:14 DQ sent to you on 15/01/2020 DQ filed by claimant on 04/02/2020 You filed a DQ on 13/02/2020 Your claim was transferred to XXXXXX on 13/02/22020   It states the claimant must pay £55.00 by 19th May and if not the claim will be struck outwith effect from 19th May if the pay the fee the case will be held on 16th June 2020 its states in the letter under section 6, each party must deliver to the other party and to the court copies of all documents on which that party intends to reply at the hearing no later than fourteen days before the hearing.   We think they will pay the £55.00 thinking we may not attend and they get the claim on default not the case we will be fighting all the way     It states in the court papers    The following directions apply   Each party must deliver to the other party and to the court office copies of all documents on which that party intends to reply at the hearing no later than 14 days before the hearings    The original documents must be brought to the hearing   The judge may refuse to consider the documents or take it into account if a copy of it has not been sent to the other party as required by this order   The documents must be sent to the other party and the court must include the statements of all witinesses   So our questions    Copy of all paperwork must be sent to all parties 14 days before the court date ( 2nd June 2020 ) if the claimant fails to pay the fee on 19th May will the case be cancelled as of the 19th May ?      
    • I understand this has dragged on the years, we have tried every thing to resolve this matter, the other party has said they are not interested in talking they confirmed yes we have repaid over the years £13k but they want the full claim amount, the last words were in fact see you in court once we have the CCJ we will have bailiff collect everything you own plain and simple.   My question is we are fighting this and submitted the follows:     A claim was issued against you on 13/03/2020 Your acknowledgment of service was submitted on 24/03/2020 at 19:25:51 Your acknowledgment of service was received on 25/03/2020 at 08:05:23 What is the latest date the defence can be submitted online, is it 14 days from the 25/03/20 = 8/04/20 or 28/04/20    Our defence is based on 2 counts    1, Statue Barred  2, Promissory Note not Executed as Deed and no Consideration taken into account
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We were sitting in a friend's side garden today having a drink waiting to go out.

 

Another of us arrived and as he was getting out the car, a guy in a bad suit came up and asked "Does John Smith live there?" - pointing to a house across the road.

 

Friend explained he was not from the area and suggested he asked the friend I was sitting with - and we could hear everything that had been said.

 

The guy then came up to me and said "I have a parcel for across the road, do you know who lives there?"

I suggested if he had a parcel it would have a name on it, to which he said "It's documents not a parcel",

and I asked why he had forgotten the name "John Smith" he had asked about at the gate,

and asked if he was a Sheriff's Officer - to which he replied "yes".

 

I was fairly sure SOs were not permitted to ask third parties about those they were looking for and asked him.

To which he replied he was required rather than permitted,

and it was necessary as he had to be sure the person lived at the address before his document was served through the letter box.

 

Is this true?

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sounds more like a spoofing DCA to me?

 

sherrif officers have no need to 'pull' the parcel trick [that's a favorite DCa trick]

 

as for serving papers thats crap too.

that they 'must' confirm with 'someone' they live there - garbage!

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Thanks.

 

I had thought of that too, and the bad suit and skinhead did suggest DCA.

 

However, there was no hesitation in his reply to my later questions re SOs compared to fumbling over the initial issues - so he got the benefit of the doubt on that one.

 

But the original question as a general question still stands. Can SOs identify themselves as such then ask third parties questions on who they are seeking?

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The Inland Revenue seem to think it's ok for them to do the same sort of thing, :-x is this in Scotland ?


 
 

Any advice I give is honest and in good faith.:)

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Yes - down in Glasgow to be specific.

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If a complaint was made to the company that employed this person they would respond by saying that the officer can make discreet enquiries only to confirm whether Mr Smith lives at the property but they are NOT supposed to discuss details of the debt.

 

Interestingly, there were very minor amendments made to the National Standards for Enforcement Agents in January and one of the most important was as follows:

 

Enforcement agents must not act in a way likely to be publicly embarrassing to the debtor, either deliberately or negligently (that is to say through lack of care).

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As tomtubby says, I don't think there's a lot you could do about them making enquiries as long as they don't discuss details of the debt.

 

You could always ask the question here.......

 

Society of Messengers-at-Arms and Sheriff Officers

 

11 Alva Street

Edinburgh

EH2 4PH

Tel: 0131 225 9110

 

I had the Inland Revenue write to my next door neighbour asking if I still stayed at my address, I've been here 18 years and never hid the fact. I phoned them to find out what the score was but no one could give me an answer ???


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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I am a great believer in the 'rule of law' - in that what applies to one applies to all (within reason).

 

So a letter to my neighbour would open the challenge to send one to the employee/their boss/the head of the department/the head of the organisation's neighbour - citing the letter to my neighbour being the authority for my doing the same.

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Bang, I think that phone number for the Alva Street address I gave you is 'bumf', here's how to make a complaint to the Society of Messengers_at_Arms and Sheriff Officers......

 

http://www.smaso.org/images/COMPLAINTS.pdf


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Bang, I think that phone number for the Alva Street address I gave you is 'bumf', here's how to make a complaint to the Society of Messengers_at_Arms and Sheriff Officers......

 

http://www.smaso.org/images/COMPLAINTS.pdf

 

Cheers.

 

it was a curiosity thing and not a complaint - but I will call them for a definitive answer.

 

I can call them near the end of the month as I am off again soon and behind schedule.

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I just called them and was told there's no one available to come to the phone at this moment :-)


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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I just called them and was told there's no one available to come to the phone at this moment :-)

 

Thanks - its lunch time I guess.

 

Did you thank the nobody who answered the phone? :D

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Thanks - its lunch time I guess.

 

Did you thank the nobody who answered the phone? :D

 

I hung up before they could finish their message :-)


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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