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    • I started paying her old council tax as they said they would jail her I managed to get those account details. We then got back together she moved in with me stopped me going to my house. Eventually let me back in I was there 4 days then the police showed up at 1am arrested me for 8 different offences. On the morning I was in custody she rang the letting agent and asked for the house to be changed to her sole name as I was in jail. The house was changed to her name I was made homeless. The bills she did not change to her name left them as occupier the utility companies then said I had to pay as there was lots more usage than an empty property. My solicitor said if I don't pay them I will be reported for it. It has since turned out that in her old property she didn't pay the bills. The electric bill she put in her daughter's name then cancelled the direct debit the council tax she never attempted to pay. Due to one of the accusations I have since been told I need to pay these bills even after getting emails saying I'm not liable for the bills. I have forwarded these on to the police and solicitors and had no reply. Other than you have to pay these bills. I'm also going to end up paying the bills where she lives now as once again they are not being paid. I can't go in to detail about the case as I'm due to be charged next week not sure what with yet but the police have told me I'm going to be charged.  My ex will not tell me nor can tell me about her debts as she doesn't want me to know how much debt she is in or has put her daughter in once she turned 18. I do not want to be paying her debts after what she has done to me.
    • In the earlier thread (now linked above) you were going to change your name by Deed Poll. Did you do that? Did it solve any of your problems? What, exactly, have you been charged with? Has a court date been scheduled? I cannot think of any reason why the police would tell you to pay your Ex's debts that she incurred 5 years before you met her. Either there's lots of the story you aren't telling us, or you have misunderstood what you have been told, or you are trolling us. Earlier you said it was your Ex who wanted you to pay her debts and, for some reason that  no-one here could understand, you were going to do so. So your Ex can give you all the details of her debts and you can pay them. She can hardly expect you to pay them if she won't give you the account details! I've never known debt collectors be fussy about who pays as long as someone does. They routinely take payments from friends and family to clear debts. It's not illegal to pay someone else's debts          
    • What you've said isn't helping. Please post up a redacted version of the appropriate section of the court papers.  HB
    • Oh, yeah. The law I’m charged with is riding underground without a valid ticket said by SJPN Student Union can’t provide any help, I have contacted them
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Zinc chasing old C L Finance CCJ's


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That’s the company number of Complete Credit Consultancy Ltd.

 

But they have failed to put their consumer credit licence number on there. The OFT won’t like that. As it’s a trading name, it should also have the other company’s name on there. Misleading.

 

I note they are threatening legal action. On whose behalf? Do they say they are acting for someone else? If not, have you had any Notices of Assignment?

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I can find no evidence that they are involved in debt purchase!

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Yes there is a smell about this company I do not like!!

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No, no letters of assignment for Zinc whatsoever. After sifting back through old paperwork for this debt I found a letter from CL Finance notifying my wife that they had sold the debt to Lowell Portfolio I Ltd. Funnily this was dated 09/10/2011, some 3 years 9 months after the CCJ!

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yes Zinc came up before recently too.

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Oh, I checked her credit file by the way, the original default is due to fall of her report this month though obviously the CCJ will stay around! Just wondering whether Zinc are so keen to get something out of her all of a sudden?!

 

On a side note, I checked my file too..........I have two satisfied defaults from years ago sitting there murdering my credit score!! Grrrrrrr!!! :mad2:

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So what do you think I should do guys?

 

two choices

 

totally ignore all the dca's, they'll never do anything as they dont know about the CCJ's

even if they did, they are not owners of debt nor the CCJ.

 

if you need them off your cra file then get them set aside as paperwork was purposely sent to a wrong address.

 

but then you'll have the org debt to deal with.

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I think a letter to their compliance manager at the Stratford office.

 

 

Dear Sir or Madam,

 

Ref: xxxxxxxxx

 

I refer to your recent correspondence regarding a debt you allege is owed by me to HSBC,

please take not I do not acknowledge any debt to you or any company you may claim to

represent.

 

I do not know of any reason why Zinc is in contact with me concerning thsi, I have no

knowledge of your company or your claimed authority to pursue the alleged debt.

 

I require you now to provide the following information within 7 days from the date on this letter.

 

1. What is the roll of Zinc in regard to this alleged debt

2. Is Zinc is assigned to collect / manage the alleged debt.

3. If this is the case who is the assignor/owner of the alleged debt.

4. Having researched the Zinc Group via the website I find that there

is no mention of a Consumer Credit Licence number as required.

5. IIf ZInc is not the owner of the alleged debt Zinc cannot pursue

the matter via the court system.

As there is grave doubt regarding the authority of for Zinc to pursue the

alleged debt and a number of breaches of the OFT Guidance on Debt Colletion

2003/2011 I will not enter in to any further correspondence until my questions

are answered.

 

Send it recorded delivery.

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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Oh, I checked her credit file by the way, the original default is due to fall of her report this month though obviously the CCJ will stay around! Just wondering whether Zinc are so keen to get something out of her all of a sudden?!

 

On a side note, I checked my file too..........I have two satisfied defaults from years ago sitting there murdering my credit score!! Grrrrrrr!!! :mad2:

 

i would suspect as the defaults are about to drop off they want one last try.

 

defaults paid or unpaid drop off on their 6th birthday

plus the whole account they relate too

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

One more thing do not get involved with them by phone, do not answer

any ''security''questions just hang up.

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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