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    • Just to add that my understanding if you're on furlough, you are allowed to work for a different employer.   HB
    • The trace they used was the simplest E-trace and it came up with that address as I used it to get a new debit card delivered as the bank wont send cards internationally.   I have a statement from a UK bank which shows my overseas address. Should I send a redacted copy of this to Andrew Wilson as evidence that I do not reside at the address on the writ and didn't at the time the writ was issued.   Will this be sufficient to stop them knocking at the incorrect address ?   They still haven't supplied a copy of the notice of enforcement or any documentation related to the visits they've allegedly made.
    • Here's the reply from Andrew Wilson:   Dear xxxx   We write further to your email dated 6 April 2020.   Please find attached a copy of the letter sent from the Claimant to your email address. They have confirmed that the required methods of service to obtain the Judgment in respect of this Claim were followed.   Once a Judgment was awarded a further trace was then conducted confirming that you were residing at the enforcement address. Following our attendances at that property, you have made contact with the Claimant directly and they are now in receipt of your payment of £1,360.00.   To date, there have been multiple attendances on this case and a large volume of work has been completed in an attempt to recover this debt. We note the contents of your email, but it would appear that you are refusing to provide payment of the outstanding balance. To bring about a conclusion of this matter however, we are prepared to reduce the enforcement fees by £594.00 if payment of £349.27 is made by Tuesday 14 April 2020.   If payment is not made then this case will be re-assigned for further enforcement and the fees re-applied. Please note that the Judgment will also remain outstanding in your name which can have an effect on your credit rating.   I will place this matter on Hold – awaiting your urgent response until this Friday.   Kind Regards,
    • The Plot thickens.. Here is the response from the creditor:   I thank you for your email of 24 March and apologise for not being able to respond earlier. I also acknowledge receipt of the payment of £1,360 in respect of the judgment debt. Unfortunately I cannot accept this as full payment. The Sheriff confirmed to you in their email of 13 March 2020 the judgment debt now stands £2,128.14. After deduction of the above payment there is a shortfall of £943.27. I require immediatae payment of this shortfall to avoid any further enforcement action against you. In response to your email I set out the followiing chronology: 1. (Creditor)sent you a letter before action on 6 September 2018 to your email address   2. No response received so I requested a trace and xxxxxxxx came back in February 2019 as your address.   3. The letter before action was sent to you again at the above address on 18 February 2019. This was letter was not returned by the Post Office as undeliverable and is, therfore, deemed served.   4. No response was received from you so Court proceedings were issued at the above address. The proceedings were served by the Court. I was notified by the Court that the proceedings had been returned by the Post Office and deemed to be 'unserved' unless the address given was not the relevant address for the purpose of rule 6.18 CPR. I reviewed the matter and requested a further trace, which came back with the same address. Therefore, it was not necessary for me to take any further action to serve the proceedings as the address used was shown to be the correct one.   5.I requested judgment in default of your response and on 10 June 2019 I sent a copy of the judgment to the above email and postal address. This letter was not returned by the Post Office, so again is deemed served upon you. You did not respond to either communication.   6. On 8 January 2020 I considered enforcement steps. A further trace confirmed you were still living at the above address so I prepared a Writ of Control. Upon the Sheriff attending at the above address you have made contact and made a part payment.   Taking the above into consideration I am confident the Court will conclude that you have received service of all of the documentation in respect of this claim. I was aware from receiving xxxxxxxx file that you worked out of the country. This is the reaons why I carried out traces to identify your address. I also sent correspondence to you via email. You have had opportunity to contact us to avoid the Court fees and costs which are incurred when enforcing a judgment debt, but have failed to do so. If you feel there are issues which should be considered by the Court in respect of the judgment obtained then I invite you to make an application to the Court setting out the same. Please provide me with a copy of the application when you submit it to the Court. Alternatively, I request payment of the balance of £943.27 within 14 days, failing which the Sheriff will be instructed to continue with the Writ.      
    • Thank you very much indeed for this. It's very interesting and very helpful. You will be great if you could possibly upload some of the documents you received – including the defence. Keep on visiting the forum – and maybe help others with your experience.
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It definitely Pays to Complain!!

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Just wanted to share this with you guys :)


In November my parents wrote to Barclays instructing them that as from February this year

they wanted to cancel 2 direct debits, for TalkTalk and Sky, as they were coming to live with us.



They also went into the local branch and explained what they were doing.

They are both 82 years old and believe in doing things 'properly' which means writing 'proper' letters. :)


long story short - the bank cancelled DD's with immediate effect which meant both companies

contacting them repeatedly to demand payments.

(They have never missed a payment or been late etc)

This caused them great distress, just 3 days before Christmas.

They were so upset and stressed, my father is asthmatic and took to his bed.


I fired an email off to the CEO at Barclays explaining their situation and this morning

I had a Skype call from them to say that they had received £150 deposited straight into their account by way of an apology!!




It DOES pay to complain!



Now if this is an indicator to how the New Year will be then it's looking good eh!!

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Well done. I'm sure that a lot of people will be encouraged by this.


However, I have to say that this is exceptional and it will scarcely ever happen this way.


People certainly should complain. It can be very hard work.


I think that I would like to respond to your thread title by saying that it is certain that it never pays not to complain

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It does pay to complain... My Brother had an issue with Barclays got paid £130 for his troubles :)


We could do with some help from you.


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Receptaculum Ignis


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Well done. I'm sure that a lot of people will be encouraged by this.


However, I have to say that this is exceptional and it will scarcely ever happen this way.



This is the second time I have acted on my parents behalf and been successful each time. Maybe it's because I emphasise how old they are, how long they've been customers etc?

I have always been a believer that 'the Pen is Mightier Than the Sword' and in the past I have reclaimed all the unfair bank charges etc with complete success.

Maybe I am in the wrong job lol!!!!!

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Well done Calamitykay


If you have reason to complain about a service do so otherwise how are they mean't to improve there Customer Service if NO ONE is Complaining about it.

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I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

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