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    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
    • In anticipation of lodging my court claim next Weds 1 May (14 days after advising P2G that was my deadline for them to settle my claim) I have completed my first draft POC as below: Claim Claim number: xxxxx Reference: P2G MAY 2024   Claimant xxxxx   Defendant Parcel2Go 1A Parklands Lostock Bolton BL6 4SD  Particulars of Claim The defendant has failed to arrange for the safe delivery of the claimant's parcel containing a 8 secondhand golf clubs (valued at £265) that was sent to a UK address using their delivery service (P2G Reference xxxxx). The defendant contracted Evri to deliver the parcel (Evri Reference xxxxx) and refuses to reimburse the claimant on the grounds that the claimant did not purchase their secondary insurance contract. The defendant seeks to exclude their liability in breach of section 57 Consumer Rights Act. The secondary insurance contract is in breach of section 72. The claimant seeks reimbursement of £265, plus P2G fees of £9.10, plus postage costs for two first class letters to P2G of £2.70, plus court fees, plus interest. The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from xxxxx to xxxxxx on £276.80 and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of £xxxx   Details of claim Amount claimed £276.80 I look forward to your thoughts and comments guys! As ever, many thanks - G59    
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bailiff from HCE chasing CCJ payment - Hitachi Loan for a boiler installation CCJ


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After I lost my job, all of my bills and debts went unpaid, I was evicted from my home in October 2011.

 

I have since started work as a temp with an agency (self employed) and have a fairly erratic income which is less than half my previous salary and I am just living week to week.

 

I do not have a fixed address of my own anymore so am staying in the cheapest places (or free when available, ie friends)

but of course in order to maintain a bank account and my driving licence I need a postal address,

a friend allows me to use his address where I pick up any mail and check my emails and stuff.

 

He received a personal visit from someone from HCE Group who was attending to remove my goods,

when he was told that I don't live there he demanded to see some ID from my friend to ensure he wasn't me.

 

He left a letter for me stating that they will return to remove my goods with or without my presence,

but of course I have no goods there, in fact, prior to being evicted,

I sold most of what I owned just to get by, the kind of things I do have are an Android mobile phone and laptop, both of which I need for work, and of course my clothes.

 

What can I do about this problem?

Can they really enter his address and take items?

 

The debt they are chasing was originally for £3200, they are now demanding £9703.49.

 

They are by no means the only outstanding debt, but I feel that I have no way to make any kind of offer to make payment, especially for an ever increasing amount.

 

What would happen if I said to them that I could make a payment of £10 per week (for example),

then another debt agency turns up and makes demands, or work becomes infrequent

and my income drops below even being able to cope with my current bills as it has done numerous times this year as work gets light?

 

As I am self employed (sole trader) as an agency worker,

I have a separate bank account (Business) for the money I have to set aside for the HMRC at the end of the year,

 

can they demand that money in some form of part payment towards the debt?

 

Can a court demand that money?

If so what legal implications would that have on me with regards to the HMRC?

 

Many thanks in advance for any advice you can give,

 

Colin.

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The debt is for a boiler purchase and installation/relocation.

No court paperwork was ever received at either address, but I did receive notification of the CCJ before I was evicted. I cannot say what post may have arrived at my previous address since I left.

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ok if you never got the paperwork to defend the CCJ you MAY be able to get the judgment set aside others will know more

 

other than that contact the court and see if you can make arrangements to pay at affordable ammounts

If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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issue resolved

 

thread active.

 

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 am currently being chased by a debt collection agency for an ever increasing amount of money.

I have a separate business account where I keep money aside for the taxman as I am a sole trader working for an employment agency.

Can the debt collection agency demand that money as a part payment towards the debt or can a court demand that money for the same reason?

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If you are a sole trader then essentially the answer is yes.

 

If you keep the tax money aside, is there any reason why you haven't paid your taxes or is there some dispute.

 

Also I wouldn't entertain the debt collector...pay your tax direct to HMRC.

 

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I think it's a seperate account and nothing to do with the DCA.

 

There is no reason why the DCA would even know about that account and he certainly couldn't demand funds from it the same as he can't demand funds from anywhere.

What is the debt you are being chased for? How much is outstanding?

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Still not a lot of information forthcoming in respect of this.

 

In short a DCA cannot demand anything really....generally you would be in control of what you pay to them.

 

A court can require you to divulge your personal financial information and that would include anything that is in a sole trader account...it is still classed as you personal money.

 

If you want to give further details of this spiralling debt then you may get some more detailed answers.

 

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It is one of a number of debts that went unpaid after I lost my job, subsequently evicted and had to start afresh, so to speak.

 

My new work is as an agency worker and I take home less than half my previous salary (I am considered self employed as a sole trader).

 

The debt that a bailiff from HCE Group is chasing is from a company called Hitachi Capital (UK) PLC, in relation to a boiler installation.

 

Just prior to my eviction I received notification of a county court judgment in their favour essentially doubling the original amount, I have never received any information prior to a court date. They must have had another judgment since as the demand has trebled the original amount.

 

My biggest worry is whether they can demand the money I have to put aside to pay my taxes at the end of the financial year, or if a court can demand that money.

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