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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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trevor89

Previous bank has passed my debt on to debt agency.

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Hello to everyone,

 

I have received a letter marked 'Private & Confidential' at my previous address about 3 days ago,

there was nothing else to say it was from a debt collection agency, just an return address.

 

Upon opening this there were 2 letters one from my previous bank,

which I stopped using about 10 years ago, & one from a debt collection agency.

 

The letter from my previous bank stated that they had passed/sold my debt to a debt collection agency

& the other letter was from the debt collection agency stating they had taken over the debt.

Both of these letters are marked the 1st November 2012.

 

I phoned the debt collection agency to query the letter,

I gave them my previous address that the letter was addressed to along with the reference number on the letter along with my name.

 

I had a conversation with a female operator regarding this account & was told it concerned a debt from 2002 which I am paying a minimum amount to.

 

I do remember that if the debt is passed onto another party then this means that I do not have a legally binding contract with debt collector which I explained to the operator.

 

She then said that as the bank, my previous bank, had sold the debt onto them & that I had to now start paying them.

 

I explained that I have no contract with them & therefore I don't owe them anything.

 

I also stated that I would be looking into the legal implications regarding this & would get back to them later.

 

The operator then suggested that I speak with C.A.B. regarding this so as to save money & when I call back I would need to arrange to make payments.

 

I politely to her that I would decide who to talk to about this & said my good byes.

 

I would like some advice as to my next step bearing the following;

 

The letter/debt was sent to a previous address, relative,

 

Should I give them my new address,

 

As the debt is from 2002 & was with a previous debt collector surely this should have been struck off,

 

I have in the past talked to various advice centres such as C.A.B. & they said that I should continue paying even though the debt is over 6 years old, because I was still paying them.

 

thank you all in advance.

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send an sar to the original cfeditor

 

what was the debt and you've been paying for 6yrs+...

 

urm..

 

something smells here.

 

dx


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

 

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Hi Welcome to CAG if the account is a loan or a credit card account that has been sold to this debt collection agency they have inherited the rights and obligations under the original agreement, so you now hav an agreement with them.

 

Your premis is I'm afraid misguided you gave been provided with a Notice of Assignment (NOA) stating the debt has been sold to the DCA.

 

If you have been making even min payments the debt is still live.

 

You have I think no alternative at this stage if you wish to contest but to give your new address.

 

BTW STAY OFF THE PHONE keep any contact in writting!!


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

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Hello,

 

It's an old loan with my previous bank.

 

Since then I have had car finance through them even though I was no longer banking with them.

 

That newer loan I have already paid off, but this older one I'm still paying.

 

I will give them my new address & send them an income & expenditure form in the post.

 

However, if the debt itself is over 10 years old regardless of whether I am paying it or not surely this should be taken off as it will not appear on my credit list as its over 6 years old.

 

Can the DCA put this debt onto my credit file?

 

Regards

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Is it there now?

 

I would guess not,so no they can't.


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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Hello,

 

It's an old personal loan with my previous bank. Since then I have had car finance through them even though I was no longer banking with them. That newer loan I have already paid off, but this older one I'm still paying.

 

regards

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have you been getting annual statements?

 

have they ever had you in court

 

tell us the full story.

 

dx


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

 

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send them an income & expenditure form in the post.

 

You are not required to send a DCA a income and expenditure breakdown of your private finances, only a Judge had the right to see this information.

 

Please keep off the telephone, what they say to you on the telephone, they will never commit to in writing, they only want you on the phone to lie, cheat, bully, threaten and intimidate you into paying more than you can afford.

If they ring you, refuse to go through the security questions and say "in writing only" and hang up.

 

Keep everything in writing so you have a paper trail, grab a folder.

 

Stigman


NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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