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    • Thanks for your reply, I have another 3 weeks before the notice ends. I'm also concerned because the property has detoriated since I've been here due to mould, damp and rusting (which I've never seen in a property before) rusty hinges and other damage to the front door caused by damp and mould, I'm concerned they could try and charge me for damages? There was no inventory when I moved in, I also didn't have to pay a deposit. I've also been told that if I leave before a possession order is given I would be deemed intentionally homeless, is this true? My daughter doesn't live with me, I'd likely have medical priority as I have health issues and I'm on pip etc.      
    • extension? you mean enforcement. after 6yrs its very rare for a judge to allow enforcement. it wont have been sold on, just passed around the various differing trading names the claimant uses.    
    • You believe you have cast iron evidence. However, all they’d have to do to oppose a request for summary judgment is to say “we will be putting forward our own evidence and the evidence from both parties needs to be heard and assessed by a judge” : the bar for summary judgment is set quite high! You believe they don't have evidence but that on its own doesn't mean they wouldn't try! so, its a high risk strategy that leaves you on the hook for their costs if it doesn't work. Let the usual process play out.
    • Ok, I don't necessarily want to re-open my old thread but I've seen a number of such threads with regards to CCJ's and want to ask a fairly general consensus on the subject. My original CCJ is 7 years old now and has had 2/3 owners for the debt over the years since with varying level of contact.  Up to last summer they had attempted a charging order on a shared mortgage I'm named on which I defended that action and tried to negotiate with them to the point they withdrew the charging order application pending negotiations which we never came to an agreement over.  However, after a number of communication I heard nothing back since last Autumn barring an annual generic statement early this year despite multiple messages to them since at the time.  at a loss as to why the sudden loss of response from them. Then something came through from this site at random yesterday whilst out that I can't find now with regards to CCJ's to read over again.  Now here is the thing, I get how CCJ's don't expire as such, but I've been reading through threads and Google since this morning and a little confused.  CCJ's don't expire but can be effectively statute barred after 6 years (when in my case was just before I last heard of the creditor) if they are neither enforced in that time or they apply to the court within the 6 years of issue to extend the CCJ and that after 6 years they can't really without great difficulty or explanation apply for a CCJ extension after of the original CCJ?.  Is this actually correct as I've read various sources on Google and threads that suggest there is something to this?.
    • whats the court claimform for? return of goods order? please complete this:  
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Hi Guys,

 

I hope your well.

 

I had a mobile phone contract with Vodafone back in 2011 and made regular payments on time never having any issues.

 

Towards the end of the sim only contract Vodafone were contacting me to try and encourage me to upgrade to a new contract along with taking a handset as part of a new contract.

 

I refused to this but when sales rep was discussing my options he said I had never used more than 300 minutes in a month.

 

However maybe a month later I received a bill from Vodafone saying I had exceed my allowances of minutes and I owed them something like £150.

 

I was immediately suspicious of this as had never used anywhere near my allowance of minutes in a month and the vodafone service where you can check your minutes had stated I will still within my allowance.

 

I contacted Vodafone and disputed the charges and asked for an itemized bill listing all of the numbers I was alleged to have rang so I could I could check the charges were valid.

 

I never received any response to my requests and as the contract was due to terminate anyway I took out a contract with another provider and never had any further correspondence from Vodafone.

 

That was till yesterday when I received a letter from Bryan Carter Solicitors on behalf of Fredricksons stating that unless I pay them £202.00 prior to the 09/04/14 they are going to issue court proceedings for an amount of money I don't believe I owe and have never had any sort of bill for.

 

I have also checked my credit file and it shows a default on there from a company called Lowell who have performed numerous unlawful searches on my credit file as well as registering a default in 2013 although the alleged debt related to 2011.

 

I am unsure as to how to deal with this threat from a company I have never heard of and debt I have never had any notification of.

 

I believe there is some kind of prove it letter I can send to Bryan Carter asking them to provide any supporting documentation to go along with any claim they are trying to bring against me.

 

I appreciate the amount of money owed is only small but I have always disputed the charges and never had any bill.

 

I was also completely unaware my credit file was being accessed by a company (lowell portfolio) who I have never had any dealings with.

 

If there any template letters I can send to Bryan Cater solicitors I would very much appreciate it.

 

Any help and advice would be greatly appreciated as I only have till 09/04/14 to decide how I am going to deal with this issue.

 

Thanking you in advance

 

Chris

Edited by chris_09
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I bet the letter does not as will anywhere.

 

we have Vodafone onoard here

 

i'm sure lee will sort this for you.

 

We here at CAg have a very successful VodaFone Rep operating here

.

We advise you to follow this method to alert them to your thread:

.

To get this looked into further could we please you ask you to email

.

https://help.vodafone.co.uk/system/selfservice.controller?CMD=ESCALATION_REQUEST&PARTITION_ID=1&CONFIGURATION=1000&COUNTRY=us&LANGUAGE=en

.

with the details quoting the code WRT135 - CAG Forum in the subject line

.

Once sent you'll receive an automated reply with a reference number.

.

To ensure that it reaches Lee could you update the thread with this

and He'll get back to them as soon as he can?

.

CAG.

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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  • 2 weeks later...

Hi Guys,

 

Lee from Vodafone has been in contact regarding the issues

I have been having regarding Lowell and Bryan Carter Solicitors.

 

Lee was very helpful and

informed me that he would put the pending litigation on hold with Lowell/Bryan Carter Solicitors

so I could actually view the alleged bill and dispute any charges.

 

However I have now received a further letter from Bryan Carter solicitors

after being promised by Lee the Vodafone rep the pending action had been put on hold

 

that they had issued legal proceedings and that the alleged debt has increased by nearly £100.

 

I am now very concerned and would appreciate any help or adivce as a matter of Urgency!!

 

Thanks once again

 

Chris

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what do you mean they 'had' issued legal proceedings?

 

scan up the letter please

 

**you can post up images/letters by this method immediately..you don't need 10 posts**

.

set your default scan page size to A4 less than 300DPI [150 will do]

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

but leave all monetary figures and dates.

.

************************* ************************* *******

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

************************* ************************* ***********

.

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

http://www.convert-jpg-to-pdf.net/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or http://www.freepdfconvert.com/

or

use www.pdfmerge.com

 

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

..

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.

though DONT USE BANK NAMES or CAG in the title

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

...

YOU DONT have to put a link to the attachment in the msg box..just upload it ..job done

.

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 DX,

 

Thank you for such a swift reply!!

 

The letter from Bryan Carter Solicitors states that as I have failed to make payments

on the Lowell Financial account they have now issued litigation proceedings with the county court.

 

It goes on to state that I will receive the claim form direct from the county courts within the next 48 hours

with a break down of the items that have now been added to the alleged debt.

 

I had spoken to and exchanged emails with Lee the rep from Vodafone

who assured me the Pending action had been put hold

while I had opportunity to view the itemized bills and

dispute any charges on the bills he was kind enough to send through to me.

 

I am now unsure as to how to deal with this issue other than to send another email to Lee

to try clarify that he has in-fact put the account on hold with Lowell and to request this in writing?

 

If you have any advice on how to deal matter I would be very grateful.

 

Thanks

 

Chris

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Hi DX,

 

I have followed your advice an upload the two letters I have received from Bryan Carter Solicitors.

 

I have been contact with Lee from Vodafone between the first and second letters

and arranged for the account to be put on hold.

 

I have sent Lee a further email today to try and seek some clarification

that the action has been put on hold as we had discussed over the phone.

 

Any advice would be greatly appreciated and how best to deal with this situation.

 

Thanks

 

Chris

Edited by chris_09
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I would await the supposed claimform and contact lee asap.

 

although, of course

he does not control what carters

auto machine does.

 

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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Share on other sites

Once again thank you for your help DX.

 

Do you think I should also write to BC informing them of my correspondence with Vodafone stating the alleged action has been put on hold along with requesting any supporting documentation they are due to submit with any alleged claim?

 

This is causing me a serious amount of stress!!

 

Thanks

 

Chris

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I would contact lee. Carter will not believe a word you say.

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

:D

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Hi Guys,

 

I have since been in touch with Lee from Vodafone yesterday who once again was very helpful and sent me an email to assure me the action had been put on hold with Lowell Financial while the matter is investigated. However I have this morning received the court documents from Northampton court stating I have 14 days to respond to the claim from Bryan Carter solicitors. I am unsure as to how to deal with the court documents, do I still need to sign the acknowledgement form and return this to the court along with the other document stating that intend to dispute the full amount claimed?

 

Lee was kind enough to send me an email to confirm in writing the case has been put on hold so this would be another example of the over zealous harassing nature of Bryan Carter! I have upload a picture of the letter I have received from the court.

 

Any advice on how to deal with this issue would be very much appreciated.

 

Thanks

 

Chris

Edited by chris_09
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moved to the legal forum

 

2nd one this week whereby carter has just proceeded to claim.

 

you need to register with MCOL

then use the password on the form and ack the claim.

 

typical vage PoC from carter

hoping for a non contested default judgement.

 

don't send carter anything

 

send a CPR 31:14 to lowells.

 

carter will just ignore you.

 

have a read of a few like thread in this forum

 

lots to follow!!

 

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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Share on other sites

Acknowledge service of the claim Chris..you have 19 days from the date on the claim (10th April) in which to do this ...no rush...allow a little time for Lee to investigate why he was ignored.

 

Really amazes me why a company like Vodafone deal with these muppets.

 

Regards

 

Andy

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 - The National Consumer Service

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Really amazes me why a company like Vodafone deal with these muppets.

 

 

I don't think they do, directly. Vodafone seem to flog their stuff to Fredricksons, who appear to have a somewhat incestuous relationship with Bryan Carter & Co.

 

Some years ago there was news that Bryan Carter (the individual rather than the firm), was joining another firm which became Carter Crettins or somesuch. Bryan Carter the firm carried on as before; I suspect that it's actually Fredrickson's staff, much like the old Howard Cohen/CL connection.

 

Vodafone's head shed are probably not even aware that someone in their accounts department is dealing with reputation-damaging bottom-feeders like Freds and Carter, although given their record on paying (or not) taxes Vodafone don't appear to possess a corporate moral compass, so maybe in good company.

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Good Afternoon,

 

I hope your well.

 

Further to my previous post I have been in contact with Lee from Vodafone and he has agreed to look into my dispute with the alleged debt that I have received court documents for from Northampton county court.

 

I uploaded the court documents on my previous posts and Lee from Vodafone has said I can disregard them as the debt recover action had been put on hold while he investigates my dispute.

 

I received the claim form on the 14/04 but it was sent on the 10/04 and I understand I only have 14 days to acknowledge receipt of the claim forms and issue a defense.

 

Although Lee has sent me email stating I can disregard the documents I feel uncomfortable doing this as clearly the court are expecting a response from me.

 

Should I register on the website ack the documents and make it clear I intend to dispute the full claim?

 

Any help would be greatly appreciated as I really need to decide the best course of action to take today.

 

I have been unwell the last week and have been unable to deal with the issue so need to sort this out as a matter of urgency.

 

Any help would be greatly appreciated.

 

Thanks

 

Chris

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" Lee from vodafone has said I can disregard them as the debt recover action had been put on hold while he investigates my dispute."

 

:!: No disrespect to Lee but I would acknowledge service and follow the time line irrespective.

 

Regards

 

Andy

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 - The National Consumer Service

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

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There are plenty of Lowell claims involving mobile disputes which contain defences on the forum.....you send your CPR to Lowells( in this instance)

 

Regards

 

Andy

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 - The National Consumer Service

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

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No thats not applicable

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 - The National Consumer Service

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

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