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    • The company is called tutorcare.co.uk. The person that's been harassing me is Marta. A awful company with absolutely no ethics. Surely a few emails from her phone is not acceptable as official notices but they listed that on the claims form from the debt department.
    • there is a mssive difference between the posts, the first  letter on your lot here John is forma  company that was wound up by companieshouse in JAN 2016 so hd no authority to send you anything after this date   The newco wasnt formed then either . they were also IPC members whereas the newco are BPA   So my suggestion is you respond to the address indicated on the new demands (London address) and say simply Dear sirs, your claim relates to a dissolved company that wasnt trading at the time of the supposed cause for action and you have no agency in this matter so Oh flip off and when you get there Oh flip off some more. I'm sure that criminality wont be suffered kindly by the courts if you are stupid enough to continue with this fraud
    • Ok so here we go, amounts are vaguely rounded...I currently have an active contract with 3 that I have had for about 6 years, and have never had a contract with EE:   Name of the Claimant: Lowell Portfolio Ltd   Date of issue: 5th November 2019   Particulars of Claim: The Claim comprises the following Agreements the Defendant entered into: a) EE Limited with reference x and current balance of £100 b) Hutchison 3G UK Ltd with ref x and current balance of £150 c) Hutchison 3G UK Ltd with ref x and current balance of £750   What is the total value of the claim? £1200   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? Yes, but I don't have the letter   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? I moved temporarily to multiple other addresses abroad and in the UK, then returned to the original address.   Did you inform the claimant of your change of address? No I have never spoken to, acknowledged or written to the claimant, but anyway I have kept my current address as my permanent address for most correspondence including for banking and phone contracts. Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? 3 (the number) mobile phone accounts (2 by 3 (the company))   When did you enter into the original agreement before or after April 2007 ? After (one I don't believe I ever entered into), all would have been between about 5 and 6 years ago   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? I'm not sure   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. All debt sold to Lowell Portfolio   Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes (but I don't have it)   Did you receive a Default Notice from the original creditor? Not sure, likely yes (I was living abroad during the last 4 years )   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Not sure, likely yes   Why did you cease payments? Financial reasons   What was the date of your last payment? Unknown, likely between 5 and 6 years ago   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No    
    • right lets clear some things up. private parking and proof of parking. The y have used ANPR to capture some inages of the vehicle enteringa dn elaving the land but you sound like you are trying to attack this from teh wrong direction regarding proof. they wont drop the matter so you have to dig up the dirt trather than jsut say prove it to them   tell us the hire co was for starters, ther may be peopel who have experiance that can help ypu without saying anything to the parking co at all   name the palces and as you went there I hope that you had read a load of threads here and can supply us with a bettery of images to shwo us what you are on about. If you cnat then you will be going back there again, not only to show us but to appeal the tickets anyway so it wont be a wasted journey. lasty we would like you to try and sneak soem pictures of teh vahicle you hired to show any small differences with the ones in the parking pictures, ie different reg palte makers mark, things stuck to windows, colour of interior of vehicle etc. any small change will help you show that the plates have beeen cloned. YOU have to do the legwork, no-one else is interested until the time someone gets run over.
    • Dont really think that cuts it.. simply the above only covers your set aside reason.   put the you have evidence you informed the original creditor of your current address on xxx ..some xxx months/years before the ccj.   id also drop the embarrass ed defence bit at the end.   what defence are you offering that you dont owe the money? Simply saying the claimant might not have paperwork is immaterial. The ccj trumps that.  
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[ATTACH=CONFIG]39690[/ATTACH]

 

Hoping that you guys can help us here - I have a very good friend who iscurrently on Incapacity Benefit (although this is about to be changed to IncomeRelated Support Component of ESA - whatever that is). She a lovely lady,currently suffering with cancer, so she's in and out of hospital.

 

It also means that she's absolutely on her uppers.

 

She has been only just able to keep up with the rent and the bills,unfortunately her council tax hasn't been paid.

 

She received a letter, from the council, saying that they were taking her tocourt for non payment of council tax. Judgement obviously went against her (itwas about this time that she was in hospital for another operation).

 

The next thing that she heard was a letter from Rundles saying that the debthad been passed to them - and stating that she had to pay or they would comeand take goods to pay the debt.

 

The day that she got the letter from Rundles, she phoned the council - theysaid that as it had already been passed to Rundles that they couldn't get itback and that they wouldn't discuss the issue - any discussion would need to bewith Rundles.

 

She then contacted Rundles and agreed to pay £50 every two weeks (more thanshe could actually afford, really).

 

The problem is that she went back into hospital around that time, and somissed the first payment - I dropped by her flat to pick up her post and takeit to her - and it was only then that we discovered the letter (see attached).

 

I phoned the bailiff on her behalf, explained that she was in hospital atthe moment and so couldn't make the payment, but that she would be able tostart as soon as she got out. The bailiff was somewhat unhelpful, basicallysaying that unless the whole amount was paid within 48 hours, he would be roundto clear the flat.

 

She's just got back out of hospital now, and is meant to be getting completerest - you can imagine what this is doing to her!

 

Any advice would be appreciated!

Edited by Viking_Raider
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Hi

 

To post up the document please use this method by dx100uk

 

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all figures and dates. {DO NOT USE A BIRO OR PEN]

convert existing PC files to PDF [office has an installable print to PDF option]

..

goto one of the many free online pdf converter websites [http://docupub.com/pdfconvert/]

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

i'e Default notice dd-mm-yyyy

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

 

Have they been into her premises? I would guess not from what you say.

 

Has she a car outside at all?

 

Unless they have previously had entry into the premises then they cannot force entry.

 

She sounds like she is in the vulnerable category to me in which case the council must take this back.

 

The experts in this field will be along as soon as they can but in the meantime please post that document up following the instructions above.


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She a lovely lady,currently suffering with cancer, so she's in and out of hospital.

 

clearly vulnerable household bailiff action must stop

 

get on to council formal complaint to council contact local MP


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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The bailiffs will not be able to clear the flat and will not be able to force entry at this point the 48 hour notice is a standard letter to intimidate into paying


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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Hi

 

To post up the document please use this method by dx100uk

 

 

 

Have they been into her premises? I would guess not from what you say.

 

Has she a car outside at all?

 

Unless they have previously had entry into the premises then they cannot force entry.

 

She sounds like she is in the vulnerable category to me in which case the council must take this back.

 

The experts in this field will be along as soon as they can but in the meantime please post that document up following the instructions above.

 

Done!

 

Yes - he has been to the flat (no one was in, she was still in hospital)

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Sorry

 

Had to unapprove the attachment as there is at least one reference number showing.

 

EDIT: Also please remove the bailiff name, phone number and signature.

Edited by ims21

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Sorry

 

Had to unapprove the attachment as there is at least one reference number showing.

 

EDIT: Also please remove the bailiff name, phone number and signature.

 

Done

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I assume you have her permission to help.

 

First thing tomorrow morning you need to get on to the Council and ask to speak to someone in authority

- Head of Revenues would be a good start

- your friend may need to speak to them to permit you to do this.

 

You should tell them of her present medical history and ask if the Council has signed up to abide by the National Standards for Enforcement Agents

- your friend is clearly classed as vulnerable.

 

The second call you should make is to her local Councillor(s) - to intervene if the Council are stroppy or to inform of the situation,

any refusal or reluctance and go straight to the Leader of the Council & his opposite number. For now don't contact the Bailiffs.

 

You should also remind the Council of the latest advice/report from the LGO http://www.lgo.org.uk/news/2012/nov/lgo-highlights-problems-bailiff-action-behalf-councils


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Also send a complaint to MP and get them involved, along with a complaint to OFT on Bumbles & Co's Credit Fitness.

 

They should adhere to the national Standards as the lady is clearly unequivocally vulnerable.

 

Did you record any calls or converstaions with the bailiff when they said they were going to clear the flat anyway, would be good evidence for a Formal complaint.


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Thank you all for your responses. I have spoken to a very nice chap at the council this morning who agreed that my friend is definitely "vulnerable" and put an immediate stop on any action. Interestingly, whilst looking at her notes, he found that the bailiff had rung in yesterday, unprompted, to flag the fact that this case should go back to the council as she is vulnerable! (so they’re not all bad – he’s definitely “playing by the rules” in this case).

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Thank you all for your responses. I have spoken to a very nice chap at the council this morning who agreed that my friend is definitely "vulnerable" and put an immediate stop on any action. Interestingly, whilst looking at her notes, he found that the bailiff had rung in yesterday, unprompted, to flag the fact that this case should go back to the council as she is vulnerable! (so they’re not all bad – he’s definitely “playing by the rules” in this case).

 

He's only playing by the rules because he has been caught out, I would doubt he has done it off his own bat. Could well be of course he has been reading this thread - or am I being too cynical!


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He's only playing by the rules because he has been caught out, I would doubt he has done it off his own bat. Could well be of course he has been reading this thread - or am I being too cynical!

 

Hope the bugger has, and backs away completely, he has already overstepped the mark, so the complaint should go in anyway imho


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

 

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Glad to see the council has seen sense :)

 

I hope your friend gets better soon.

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