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Some advice please


dcems
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Good afternoon

 

I have had a dispute with a child care provider for some time over fees

and the care of my child

and how they dealt with concerns I raised.

 

I provided proof of standing order payments from my bank

and although they acknowledged discrepancies in payments

did not want to move the dispute forward.

 

I had also pulled my child out of one session per week which they claimed to have no record off

even though I overpaid £204,

as a 'gesture of goodwill' they amended their records by 3 months.

 

I told them to check the signing in sheets and had no response to this either.

 

In December following on from another incident I pulled my child out with immediate affect.

 

The owner called me and left an irate voicemail,

she then proceeded to ring my ex husband (as next of kin on records)

and give out information regarding the alleged arrears

which quite frankly, is none of his business

and which I feel breaching my confidentiality.

 

Yesterday I received a letter from the owner asking for £1200 and that I have 7 days to pay before they commence legal proceedings.

 

It was sent recorded delivery but was not signed as just stuck through the letterbox.

 

if this goes to small claims will I get a CCJ? ,

 

I owe the 1 months termination fee which I can pay

but as for the rest, there is no way.

 

I wasn't sure as this isn't a creditor debt whether the same procedure and outcome would happen.

 

I have not replied to her letter as I feel its pointless to argue over the same things we have disputed since 2012 !!!

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you'd have to claw thru their T&C's to see if you 'are' responsible to pay after say

you either cancelled or didn't use the service for whatever reason.

 

but yes you 'could' get a ccj out of this

 

IF they carry out the threat

 

however theres nowt to say you cant defend it mind!

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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