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    • The "grief tech" firms helping users create talking avatars of their dead relatives.View the full article
    • I do disagree with you regarding one thing - we are not very good with letters or these situations and are slow on the uptake. So far you have stood up to Excel and their threats, immediately given us the information in the sticky, done loads of reading up to educate yourselves, learnt from the mistake of outing the driver so you'll know not to do so in the future, got on to the organ grinder to try to get them to call off their dogs, etc., etc.  Good grief - we wish everyone who came here would do this!!! Most people who get these invoices sadly think they have been fined and if they don't pay a drone from Ukraine will be diverted and will fall on their home (or some such vague grand apocalyptic threat) and they fold and give in.  You haven't.  Well done. Don't worry - you won't be paying a penny.  Although it will take some time to see off this vile company.
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    • Hi,t I'm not sure if I'm posting in the right subsection but General Retail appears to be the closest to it I think... About a year and a half ago I got a new phone so I listed my iPhone 10 on eBay.  The listed stated 'UK only' and 'no returns accepted'. Considering I had had the phone for about 4 years, I myself was amazed that I had kept it in such good condition all that time - apart from being slightly scuffed around the charging port there was absolutely nothing wrong with it. It had the original box, its unopened original Apple cable, plug, and earbuds, and I threw in a case for it and It had always had a screen protector on it. Someone wanted it from Armenia, and I stupidly agreed to it.  She paid and I sent it off, fully insured. Not long after she received it, she sent a message saying it 'was not as described', so I asked to see photos of whatever was the problem.  She sent two photographs of the box.  Just the box.  I said I wasn't even going to consider refunding her unless she told me what she meant by 'not as described'.  I thought, if it's been damaged in transit, then it would be covered by the insurance. Anyway, she didn't respond at all, even though I had messaged her several times, so she opened a case with eBay. I have sold a fair few things of mine on eBay in the past buy had never had had anyone come back to me asking for a refund.  I got in touch with eBay several times by phone and by email, and found out they always side with the buyer, no matter what with their 'eBay Seller Guarantee'.  She had been told she could keep the phone and told me they would recover the money from me from my account blah blah.  So I unlinked all of my cards etc and changed my bank account to one that I never use with no money in it. My account got suspended.  I continued to try to explain to eBay that I had been scammed but I got nowhere. My account was permanently inaccessible by this point. I reported the phone stolen and the IMEI blacklisted but I'm not sure if that would make any difference being in Armenia, but it was all I could think of to piss the buyer off. A couple of months later I was contacted by email by a debt recovery company (I can' remember who now), to whom I explained I will not discuss the matter with them until I had received an SAR I had requested from eBay. As I could no longer access my account, I couldn't review the communication I needed to show I was not in the wrong. The SAR was produced but I was advised that the information I was looking for would not be included but I said I wanted it anyway.  There were so many codes etc. and hoops to jump through to access it, that even after trying whilst on the phone to them, I still couldn't get into it, so I never got to see it in the end.  I think they said they would send the code by post but they never did and I forgot about it after a while. I've just come across a couple of emails from Moorgroup, asking me to phone them to discuss a private matter regarding eBay.  I haven't replied or done anything at all yet.  The amount they are trying to recover from me is £200ish from what I remember. I know it's not that much but I don't want to pay the b*astards on general principle. I've had a lot of useful advice from CAG in the past about debt collectors but it has always been about being chased by creditors, I've never been in this situation before. I don't know what power they legally have to recover the 'debt', and most importantly, I am two years into a DRO, and the last thing I want is another CCJ to shake off if I'm cutting my nose off to spite my face.   Any advice gratefully received!!
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that's ok , just missed a month.

 

theres nothing wrong in paying what you can whwn you can.

 

shows goodwill where it might be seen as avoidance in a way.

 

go well for him IF it ever went to court

 

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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Hi Dishidox,

#DX100 has asked me to look in on this.

 

In my opinion if a statutory demand is made it could be set aside because this company has not exhausted the lesser methods of debt collection up to including a county court claim.

The bankruptcy process should be the last resort of the debt collection procedures.

 

I can if need be draft a letter for you later today.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Hi Dishidox,

#DX100 has asked me to look in on this.

 

In my opinion if a statutory demand is made it could be set aside because this company has not exhausted the lesser methods of debt collection up to including a county court claim.

The bankruptcy process should be the last resort of the debt collection procedures.

 

I can if need be draft a letter for you later today.

 

The grounds for setting aside a statutory demand (as per Rule 6.5 Insolvency Rules 1986) are as follows:

 

(a)the debtor appears to have a counterclaim, set-off or cross demand which equals or exceeds the amount of the debt or debts specified in the statutory demand; or .

(b)the debt is disputed on grounds which appear to the court to be substantial; or .

©it appears that the creditor holds some security in respect of the debt claimed by the demand, and either Rule 6.1(5) is not complied with in respect of it, or the court is satisfied that the value of the security equals or exceeds the full amount of the debt; or .

(d)the court is satisfied, on other grounds, that the demand ought to be set aside.

 

There is nothing to prevent a creditor using the bankruptcy route rather than the country court route, so do ensure that one of the above grounds is considered - otherwise a set aside may not be granted at the hearing, and it could trigger further costs. I agree, in principle, with what you're saying - that bankruptcy should be a last resort, and luckily most judges will totally agree with you.

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Hi brigadier thank you ever so much for looking at this and please could you draft a letter as I'm way out of depth with this, but I'm trying to help a desperate friend

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Hi brigadier thank you ever so much for looking at this and please could you draft a letter as I'm way out of depth with this, but I'm trying to help a desperate friend

 

Ok will do that for you as soon as I can.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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DCA +Copy to Creditor.

I'm just waiting for some docs to come through that are urgent, the I'll get on to the letter.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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this is the original thread with the right attachment sorry for any confusion

 

hello everyone,

im trying to get some advice for my friend who is in fiancial difficulty at the minute, he got made redunant 2011

 

after being on the dole a while they helped him set up a business,

 

everything was going well but the work started slowing down,

 

he had a account with a builders merchant that was fine,

he asked to pay reduced payments for a while to get himself back on track as work is slow,

 

they agreed but now want silly repayments back £500 per month

 

he said he couldnt afford it and offered £100

they said no but will accept £250 per month,

 

he wrote back saying

im sorry payments too high i dont want to say yes then cant pay

please accept my payments of £100,

 

received a letter(see attached ) this morning threating bankruptcy

 

he doesnt own his home he lives with his girlfriend in he rown house (he is not on mortage) hes in bits & worried sick,he wants to pay the debt but they are being unreasonable

if anybody could give some advice for him it would be greatly received

 

 

 

To Whom it may concern.

 

Re: Proposed Statutory Demand For Payment.

 

I refer to the letter date xx xx xxxx threatening the issue of a Statutory Demand for Payment regarding a debt in the sum of £ xxxx.xx relating to a trade account with xxxxxxxx builders merchants.

 

 

For your information and for the avoidance for misunderstanding please note the following;

 

I xxxxxxxx state that I have no realisable assets to meet any such demand.

I do not own outright or jointly any property.

I have made reasonable offers of payment of the outstanding amount which have been rejected without due consideration to my current financial status.

I am able to make an offer of £xxx.xx per calendar month which should be given reasonable consideration.

Should a statutory demand be made I will apply for it to be set aside for the reasons stated above.

 

All due consideration should be given to the above and the saving of costs and court time.

 

Signed..........................: Date...............................: print name.

 

Witness to signature...............Date.........................: print name.

 

Apologies for delay called away.

Edited by BRIGADIER2JCS

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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To Whom it may concern.

 

Re: Proposed Statutory Demand For Payment.

 

I refer to the letter date xx xx xxxx threatening the issue of a Statutory Demand for Payment regarding a debt in the sum of £ xxxx.xx relating to a trade account with xxxxxxxx builders merchants.

 

 

For your information and for the avoidance for misunderstanding please note the following;

 

I xxxxxxxx state that I have no realisable assets to meet any such demand.

I do not own outright or jointly any property.

 

.

 

Apologies for delay called away.

 

 

Please don't take this the wrong way. Whilst this may be a good reason for the litigator not to pursue a Bankruptcy petition, it is hardly a reason for a court to dismiss one.

 

Bankruptcy is after all a condition where one does not have the means to meet thier obligations, by its definition.

 

I take it that his is not an application for a charging order or the like.

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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The Creditor is not going to achieve the outcome it desires if a petition is made and I would expect them to get far less than they would if they accepted a repayment plan, even if they made a claim via the county court.

 

BTW I have achieved SD set aside on exactly the same grounds for others in this situation when there are no realisable assets, judges perceive how pointless such action is in this situation.

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Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Thanks everybody for all the advice all letters sent now just wait to see what happens I'll keep you all posted

 

Let's hope this gets sorted out now!!

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Thank you brigadier vue been a star

 

Always happy to help!!

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Hello Everybody,

My friend has received this letter back from the dca company this morning ( please see attched)

also he sent a letter again asking builders merchants to accept monthly payments for £100 plus he put a cheque for £100 in with it (letter dated 28.05.2013) £98.64 has been deducted from the amount in this last letter

any advice would be greatly received

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Well at least they are going the CCJ route not BR.

 

So I would suggest he sends this to the BM now.

 

 

Si/Madam,

 

I refer to my recent letter regarding the payment of the outstanding amount of £xxxx.xx with which I enclosed a payment of £100.00 and offered to clear this debt at this rate per calendar month, the cheque has been cashed.

 

I had expected some understanding of my situation and that you would give due regard to this reasonable offer although it seems I was mistaken having now received your letter dated xx xx xxxxx stating you that you are issuing a county court claim.

 

I would urge you to reconsider my reasonable offer once again as I will be stating in court how I have tried to resolve this matter without recourse to litigation ad as with court costs, solicitors cost added to the balance should you achieve a judgement I shall have to ask the court to order a much lower level of payment.

 

So I confirm that my offer of £100.00 pcm stands despite previous rejections and would suggest that this accepted to save costs and court time.

 

OK recorded deliver addressed to their Company Secretary.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 1 month later...

hello everyone,

just an update since the last letter my friend has received nothing from anyone so hes just been paying the £100 as he agreed to do, he sent all the letters he received from the debt people to oft and trading standards which there looking into, so all is quiet at the min, thank you all for your brilliant advice

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