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    • As I recall the only thing you tried telling us was based on a quote that you selectively edited by Lord James of Blackheath. You misrepresented it as a statement of fact when it was actually a question which was laughed at by his peers in the House of Lords.  We told you it was garbage, you asked us to prove it and we did.   Remember?
    • you need to realise that for every person that does come to CAG and register and tell their story...there are poss 10'000 that don't but search the interweb whereby threads that are here pop up relating to like issues they are searching upon.   Most CAG siteteam and many other registered Caggers give advice that bears this in mind and post information which not only informs the starter of a thread upon what to do, but also takes into consideration the readers from the interweb that also read the relevant advice given that might not be brave enough to register and fess up.   to that end, there is very little alternative than to appear to give 'grief' [you deserve it - tough] to a cagger should certain previous advice not have been followed.....yours is a very classic case of such. hey I've found a backdoor CCJ.   to put it bluntly, had you have followed such previous advice, you most certainly would not be in the situation you are in here now.. .so by example, not giving you grief, for future readers...………..   ...never ever move without informing a debt owner of a move of address on any consumer debt that you last used or paid within the last say 7yrs. your credit file is a major key to ascertaining that information.... .but don't just read this advice come to the consumeractiongroup.co.uk website and let us help.   lecture over... what can you do..or more importantly....what can a claimant do now they have a default forthwith judgement against you. well we can't guess.... they might simply ignore it as 1000's of people with CCJ's find out..but it becomes an issue should you wish to say get a mortgage, remortgage or further credit.   i'm not going to enter into any of that here...that's for the reader to start a thread here and seek advice on their individual situation specific to them as you have done....   so...  bearing the all of the above in mind...over to you with regard to this backdoor CCJ.   as for the other debts that you didn't action before...go read your old thread and action what appropriate advice is given there for each type of debt that has been given should you wish to avoid any further backdoor CCJ's.   dx                    
    • hello my very good helpful friend. I am afraid to say that i did not. As i did not realise the relevance of it.   Should i be doing this right now of anyone on my credit file ?   Plz don't give me grief if u have already advised me...   do i do the ccs request now to everybody in that thread ?    
    • aha busted and stupid ...no wonder you've got mixed information here. never trust anything they say ..they have a very bad reputation for stating the truth.   now can you go get your credit file please..   there are cases whereby a council on historic CTAX debts do go for a county court CCJ, but a liability order from a magistrates court has far more clout legally than a county court CCJ and i've never heard of a court sending a bailiff out for 'multiple' CCJ collection.   me thinks he is pulling the wool here a bit and has looked at your credit file and seen CCJ's too so thought he'd chance his arm and use those as further leverage.   don't worry about the sat visit simply ignore do not answer the door if he appears. your task is too gather data at present.   credit file please..        
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hi my wife got into some finacial difficulty with these pay day loan companys, there are now making aggressive calls and also sent a letter to my wifes company stating they are going to send bailiffs to the company to collect/enforcement are they legally entitled to do this,please help

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sorry just to add a note it wasnt a letter but an automated telephone message leaving no contact details to actually contact who ever,or which ever company it is

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no we dont but are they allowed to do this

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Which PDL company (ies) has your wife had loans from?

 

These are just threats. Check the text message and get the number it was sent from...it may be possible to trace which company it is and then lodge formal complaints.

 

They cannot send Bailiffs full stop. Not to your workplace or home. Bailiffs can only be sent after they have taken you to court, won, you have failed to pay and the court issues a warrant for bailiffs to attend.

 

They may send a doorstep agent to your home but they are easily dealt with by telling the to politely get lost.

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quick quid,payday uk,pounds2day & money shop and they are automated voicemails that keep ringing her workplace

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OK. It sounds like you're ignoring them at the moment - something I wouldn't advise. What can you afford to pay each lender back. i think it should be made clear that when / if we have financial difficulties and not able to repay in full a payment arrangement should be made and not ignored.

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My advice would differ from Jamies. I would say to ignore them till you have something solid in writing, and not just voicemail threats.

 

Get a copy of that letter as well and post it up here. That is a serious breach of OFT guidance and MUST be reported.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

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But they know that they owe them money? Why would you advise tuscan not to pay back what they owe? The first post I ever put on this forum a few years ago the first thing i was told was we don't advise people to ignore their debts...

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Im not saying not to pay it. Im saying hold off until they stop breaking regulation and only pay when they come to an agreement.

 

If you start paying while they are breaking regulation, they will keep on doing it as they think it is ok.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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I was saying the exact same thing - stop ignoring, put it in writing, offer an amount, wait for an acceptance in writing, wait for their bank details and begin payments...

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