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    • Different statements. One has “at 59 mph overtaking on the approach” and the other “it was overtaking on the approach and in ....... at 49 mph”. So not the same statement (same ethos, different sentence structure).   perhaps they chose that site for the officer because it is an accident hotspot, and they know people do dodgy overtakes (while speeding) there .....??  
    • Hi.   I've moved your thread to the Bailiffs forum. People should be along to advise later.   HB
    • So a little update;   Of the 6 letters I sent 3 were acknowledged. One accepting £1/month for now and two from the same creditor trading under different names asking for full I&E which I haven't done.   In a moment of madness I managed to depsoit 5k to a gambling site I didn't have due to paypal's crazy policy of allowing payments which are to be collected by direct debit after a couple of days to gambling sites! Mad they allow this but this will show as a negative paypal balance (in a different account to the original "debt"). The first paypal -£5k account has been closed and passed to a DCA now. I have ignored them.   My council has appeared to have stepped up their collection efforts for £2.5k in alleged housing benefit overpayment from 2015/16. I have acknowledged their letters over the past 3 years each time by email but they rarely respond to my pleas. I truly think if there was overpayment then it was for less than half the amount they claim. At the time I didn't think I was being overpaid because I wasn't really working but I had stopped claiming JSA/ESA (and told them as much) but earned a couple of hundred pounds a month from sporadic work.   Also what I thought was a dormant debt from 2016 to Halifax has been actually sold ( to caboot? I think. Hard to keep track of everyone)   I've been getting phone calls daily but ignoring them for the most part. I did request all communication in writing in my original letters.   I feel incapable of dealing with these creditors and whilst initially I was feeling that I would be happy to just ignore all the letters (arreas, defaults and the like) and phone calls for an indefinite amount of time and  hope to make it 6 years to statute barred-ness and accept or defend any CCJ attempts that did arrive. I figured that avoiding these creditors for 3 months so far is 5% of the way there to statute barred! But I figre for these fairly sizeable amounts they probably won't all let it go and I will get some CCJ docs (never had to deal with that) However now my mood and thinking has changed.    I am looking again at insolvency. I'm over the DRO limit now so its BR or nothing. I was wondering why you said to not consider this and it would be stupid @dx100uk? Although shirking my debts/responsibilities it does seem like an "easy" way out at the moment. It would be so nice to know that what's done is done and to be able to draw a line in the sand and start again in a year or so and not have to avoid creditors or worry about what's coming next...   It certainly would help the environment what with the amount of letters that are arriving already(!) considering the first payment I missed was october/november (excluding the old halifax and council debts). I am exordinately stressed about it now even though I thought I would be already . Any advice would be great if it was to get my head out of the sand and contact people/do the ignoring thing and seeing what happens/reasons  to do or not to do bankruptcy for these unsecured debts?   Thanks      
    • Hi everybody   Had a knock on my door and was confronted by either a Bailiff or enforcement agent (not sure about the specific job title). When I opened the door he stuck his foot in so I couldn't close the door. I was video taping him so I took a few steps backward (to get him in shot) and he just fully entered the property despite me saying that I was denying him entry and he refused to leave thereafter.   Turns out that he was there to collect a court issued fine. I think from a Magistrates Court. He worked for this outfit:   www.marstonholdings.co.uk   The reason for the fine was something to do with "driving without car insurance". Now I had a cheap car a few years ago but it broke down and would cost more to fix than it was actually worth. So I sold the car for scrap and cancelled the insurance. Turns out you have to inform the DVLA when you scrap a car and them that it is no longer on the road (I was unaware). So this was the circumstances of the visit.   My question is did he have the lawful right to enter the property? I always thought these people were like vampires i.e. they can only come in if you invite them in.   tia Bear  
    • oppss again then if its the same person.   knows the road well so should know what the speeds are and where they apply..      
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thelightbrigade

Cabot chasing old OPUS debt with a 6yrs+ CCJ - Statute barred?

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Sending sar off tomorrow, not sure if there are many charges on this one, I have been pretty good with Citcards even though I dont have the card anymore............

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Be patient and resolute, TLB.

 

Citi will make it as difficult as possible for you.

 

Els:)


BANK CHARGES CAMPAIGN CONTINUES - PLEASE SIGN THIS PETITION

 

Aktiv Kapital £300.00 SETTLED IN FULL

Capital One £741.47 SETTLED IN FULL

Citi Cards £1221.00 SETTLED IN FULL

LTSB(personal) £3854.28 SETTLED IN FULL

LTSB(business) £7487.97 SETTLED IN FULL

 

What poor education I have received has been gained in the University of Life

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The sent me a form dated 15th feb looking for 2 forms of id and I had to fill out more info on the form, most of which was on the cover letter anyway, what a load of nonsense.

So I have the reply ready to be sent tomorrow, They cashed the cheque on 24/01 but stated that the 40 days is from the receipt of my id???

I am not going to restart the clock, 40 days is up from when the signed for my sar.

I have a feeling tht they are going to be rather silly.......ah well

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They sent my stuff fairly quickyly, and I hadn't even sent the ID anyway. That bit is quite efficient, its once you've put the claim in that they turn into complete morons:)

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Hi

Unfortunately Citi informed me that the 40 days does not start until they receive any additional information they need. CITI certainly know how to flaunt this ruling.

On three occasions they waited thirty eight days then requested more information,

 

good luck

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I sent the form and ID back to arrive yesterday morning, but in yesterdays post I received my statements with a cover letter saying that the id request will be required for the manual intervention details.

Anyway, did my calcs last night and mailed prelim today. a lot more than I expected, I wasn't such a good boy with one as I thought!! Claiming charges plus CI so adds up to a bit.

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You'll need the manual interventions, though surprised that they have sent you your statements but not those.

 

Its just stalling, if you have a registerred account with them and they already send a monthly statement there - its a bit eronious to then request further ID.

 

YOU WILL NEED MANUAL INTERVENTION SHEETS, for your claim to cover a period when charges were made to your account.

 

However if they dont supply manual intervention sheets i've got the complaint forms for the Information Commissioners Office - and you can raise the issue of non-compliance with the judge if nothing materialises.


Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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Thanks Enron, I should get my first fob off letter soon, better get my LBA ready

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As with everything, keep copies of everything sent to and from yourself.

 

If you have received your statements after providing ID, and they are requesting ID again for the manual intervention sheets - they are just wasting your time.

 

Write a letter of complaint to Citi because they shouldnt need more ID when you've already provided it, and they've supplied your statements. And another to the Information Commissioners Office (you can google and get the website) including a copy of your letter which you'll send to Citi attached.

 

Someone has said that they purged their manual intervention system, so everything pre-2006 is gone. Which is very naughty indeed.

 

However i'm going to write a letter as I did get my manual intervention sheets - and they prove that late payment charges are a fully automated process.

 

If you need any help let me know, the Allocation Questionnaire stage is the most important part for claimants - get in touch with me when you get to this stage.


Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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I have only had the one request for ID. I have not had an AQ for any of my other claims, is it just Citi being akward with this?

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Ok, you should still request the Manual Intervention sheets if they are not included.... by writing to Citi stating that they havent fully complied with your request.

 

Then if you get no joy, which is highly likely, write to the Information Comissioners Office to make a complaint.

 

Allocation Questionnaire - this is a document that you will have to fill in that the court will send to you.


Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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Prelim was signed for on 20/2 and ID was signed for on 22/2

Will send my LBA on 6/3

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This morning I have received what is supposed to be the manual intervention info.

a 1 page list of 18 items, most saying a letter is being sent to me??

With a footnote

"All customer service notes prior to this date purged from the system"

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Received on 1/3, an acknowledment letter " we are looking in to it etc."

 

As a general guidline we aim to fulfil the following service timeline:

1. Acknowledge all complaints within 24 hours of receipt.

2. Provide a full written updae to you with 10 working days.

3. 80% of all section 75 claims o be remedied within 21 days, subject to verificaion.

4. We will kep you informed with the prgres of your complaint, however ifwe have not resolved your compaint after 4 weks, we will write to you with an explanation for the delay and when to expect a final response.

 

I assume this is the standard reply.

I am sending my LBA to reach them on the 6/3.

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Yup, certainly is. Citi took 3 months to get back to me though!


NatWest - WON! £3350 Paid back

Vodafone - Default removed

Citicards - Judgement awarded for £1898, default remains though...for now....

Capital One- WON! Settled out of Court £392 + Default Removal!

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Did you get any "manual intervention" sheets along with your copy statements when you requested them??????

 

If not contact Richard Cooke in writing, saying that they have not complied fully with your request.


Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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They did arrive later, just a 1 page list of what looks like freetext database entries - list of 18 items, most saying a letter is being sent to me??

With a footnote

"All customer service notes prior to this date purged from the system"

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Been out of the loop for a while, I have just printed off my N1 and POC Will drop into the court tomorrow.

I received a letter a while ago saying they are not paying anything, so time to get the ball rolling again.

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N1 done, so lets see what next. Does Citi usually file a defence?

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Its like that Eversheds will file a defence on the behalf of Citi.

 

Eversheds are based in your home town funnily enough, in between the centre of Cardiff and the new Millenium centre..... drove past the building at the beginning of the year.

 

They'll be working off materials supplied to them by Citi.

 

When you have your AQ arrive get in touch with me, as I have materials that may help get the draft order adopted in your claim.

 

Citi will not validate their pre-estimate costs by providing a full breakdown of their charges which is requested by the draft order - which is half of the battle.


Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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Received the notification today that they intend to defend

 

Thanks Enron, yes I know the building. Thanks for the offer, I will be in touch as I hear Citi can be tricky!

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Yep, Citi can be tricky.... the thing with them though is they have really big holes in their defence.

 

If the draft order gets adopted you wont have to do a reply to their defence as they won't validate their charges - and there defence gets struck out. If the draft order isnt adopted then we'll handle it at that point.


Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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Citi have filed their defence and I have until 26/08 to complete and return the allocation questionnaire. Better get moving.

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