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    • Millions of bicycles were sold this year, with fears there won't be enough for the festive period. View the full article
    • Thanks DX, I'm happy that there are no valid reasons for them not to send us documents via royal mail - they were after all perfectly capable of sending these two letters.   The 12+2 days end on 7 December so I will ensure the DD's are cancelled for these and the Hoist one that is also being paid monthly on that very date. 
    • Sorry to hear the news Dave.   As for sums on top of the £100, maybe the judge ruled against the £60 Unicorn Food Tax but allowed £25 claimform fee + £25 legal costs.  Just a guess.
    • Hi guys!   Update:   Been forwarding all the text messages to 7726   These were the text messages:   28 October: We have been instructed to proceed formally on this claim in 7 days in respect of the balance due to Photo Studio Group unless discharged or an arrangement made. This will result in a formal Letter Before Claim and Court Proceedings.   29 October: It's not too late to stop legal action. Settle the £1182.89 due to Photo Studio Group.    30 October: The £1182.89 due to Photo Studio Group is overdue we are now instructed to proceed with a formal Letter Before Claim.   We are now considering whether to issue Court proceedings to recover £1182.89 owed to Photo Studio Group.    2 November: We are now preparing to send a Letter Before Claim. Call 01422746202 to resolve this matter.    6 November: We have now have issued a Letter Before Claim which you should receive in the next few days. Pay the balance due to Photo Studio Group now.  It's not too late to stop legal action. Settle the £1182.89 due to Photo Studio Group online now.    8 November: Click the link to address the £1182.89 due to Photo Studio Group to avoid legal action 12 November: A County Court Claim will impact your ability to obtain credit for up to 6 years. Pay online to stop action.  13 November: We are concerned you have not responded to the Letter Before Claim regarding the balance due to Photo Studio Group?   15 November:  Call AJJB Law regarding the letter you have received from us in order to stop Court Action on 01422746202.    21 November: IMMEDIATE ACTION REQUIRED. Pay £1182.89 due to Photo Studio Group online to stop Court action.  23 November:  We haven't received a response to the Letter Before Claim issued by us. It's imperative you act now to avoid Court Proceedings.  We will be conducting a Pre Court Action Review this week. Pay £1182.89 online today or set up a plan to stop.    26 November: IMMEDIATE ACTION REQUIRED. Pay the balance of £1182.89 online today to prevent further legal action.  29 November: We will be conducting a Pre Court Action Review this week. Contact us today on 01422746202.  2 December: You haven't replied to the Letter Before Claim from us. Costs and fees will be added if we issue a County Court Claim.    Emails:   10 Nov:   Dear -----, LETTER BEFORE CLAIM AJJB Reference: .... Our Client: Photo Studio Group Balance: £1182.89 You will now have received a Letter Before Claim issued by us regarding the balance due to our client. It is important that you do not ignore this letter and read the contents carefully. If you have a query relating to your balance then please contact us to discuss urgently. If you wish to make payment to settle the balance you can do so through our website www.payajjb.co.uk or by calling us on 01422746202. Alternatively an income and expenditure statement is enclosed in the letter, if you are unable to repay the balance in full, payment arrangements will be considered based on your circumstances. Payment arrangements can also be submitted via our website. Please respond urgently to avoid Court action. Yours Sincerely, AJJB Law   19 Nov: Dear ----, RESPONSE REQUIRED AJJB Reference: ..... Our Client: Photo Studio Group Balance: £1182.89 Our records show that you have not responded to the Letter Before Claim issued by us, or our previous attempts to contact you. We hope to resolve this matter without the need to issue a County Court Claim but we only have a limited time to do this. In order to come to a suitable way forward to address the balance please contact us today using one of the following methods: - Email - reply to this message - Online using our secure customer portal - www.payajjb.co.uk - Telephone - 01422746202 Hopefully we can agree a way forward without the need for further action. Yours Sincerely, AJJB Law   27 Nov:   IMPLICATIONS OF A COUNTY COURT JUDGMENT (CCJ) AJJB Reference: ..... Our Client: Photo Studio Group Balance: £1182.89 We are now in a position to issue a County Court Claim to recover the balance due to Photo Studio Group as we have not received a satisfactory response to the Letter Before Claim. This could result in a CCJ being registered against you As previously mentioned, we wish to resolve this matter without the need for legal action, however, we are unable to do so if you do not address the balance due. A CCJ will have an adverse impact on your credit file and will be registered for 6 years. It will affect any future lending decisions including applications for loans, mortgages, tenancy agreements and the purchase of goods on credit (for example a mobile phone contract). You can stop further action now by contacting us to discuss your circumstances or by making payment: - Email - reply to this message - Online using our secure customer portal - www.payajjb.co.uk - Telephone - 01422746202 Please do not ignore this email. Yours Sincerely, AJJB Law I also received two letters to the address I currently live in:   1.  A letter before claim    2. Implications of a county court judgment   Please let me know if I should proceed in any way.   Thank you all for your time!        
    • for whatever reason they fail the 12+2 working day time limit you may cease payments.   as for their stupid excuse to gander email details you do NOT.   they know full well there are ZERO Gov't guidelines regarding mail , .
  • Our picks

10 year old debt with a twist


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Evening CAG,

 

sorry if this is long but let me try and shorten it for you.

 

10 Years ago by devious brother opened Credit Cards, Loans, Mobile phones in my dads name and left him with the debt.

 

It hit the debt agencies and my sister agreed to pay £1 a month to each of them.

 

As this is over ten years old, is there anyway we can have these put aside, my Dad is 70 in December and hates having this hanging over his head.

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I'm afraid that if you have been paying them regularly then they have not become statute barred because they have been kept alive.

 

I'm also sorry to say that if you stop paying, that all the debt collectors will start leaping into action and make your dad's life a misery.

 

How much is outstanding? Are they still adding interest?

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CCA request time me thinks.

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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Thanks, Yes my sister has dealt with all the Debt Agencies and makes the monthly £1 payment.

 

Will send of CCA as the debt has bounced between agencies and the figure is over £20k. My Dad has no way of paying this or any assets, doesnt even dry and is housing association accommodation.

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I think you need to CCA and issue a SAR as well.

 

If the debts being passed around and figure is rising or inflated, then i smell a cash cow and so do they.

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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I assume that you would prefer to continue paying rather than have your brother exposed as a cheat.

 

 

Your father is not the guilty party so shouldn't be liable for the debt nor should your sister

be paying.

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When it happened the companies we're informed that they were fraudulent applications and unfortunately werent interested unless reported to the police.

 

 

The signatures are invalid and nothing progressed.

 

Will send CCA to establish detail and revert back.

 

Thanks for your assistance

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not her debt STOP PAYING THEM!

 

 

the companies...I bet NONE of the debts are wit the original creditors?

all with DCA's now?

 

 

let each one goto court

then PROVE its not HIS signature ..easy peasy.

 

 

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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Surely even if they did go to court AND were then successful (which from the limited information here seems less than certain) the court order would be for a minimal payment, they can't go for assets he doesn't own and a poor credit score probably isn't high on his list of things to worry about?

 

In fact for his peace of mind it being dealt with by the courts may well be the best option - otherwise they will undoubtedly carry on harassing him.

 

Also just on the point about informing them they were fraudulent applications - it would have been their problem to go to the police and not your fathers - though I imagine perhaps your father wasn't keen on dropping his son in it at the time so maybe didn't push things.

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I would look at this in a pragmatic way.

If they're not bothering your father with calls and home visits and it only costs £1 month, I would just leave everything as it is.

Do you really want to drag your dad to court, give evidence, solicitors, aggressive claimants, possible upset with your brother, all for £1 a month?

Even if it was £20 a month I wouldn't put him through this, unless they're bothering him.

If he doesn't want this over his head, explain everything to him, no assets, no requests of extra payments, no trouble paying £1.

No point throwing water in a lake to make it wet.

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Bad advice yet again from king.

  • Haha 1

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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Having read the thread from the top,

my own personal view on this would be to start the CCA requests route that has already been suggested,

 

 

if brother has fraudulently obtained credit any agreement would obviously be accompanied by a signature and if not would be contestable,

a signature could then be matched with dad's (maybe on the card type DL).

 

 

For me, I'd STOP paying them

and if they start getting above themselves tell them that the account/s are in dispute

and to return to the original creditor or owner of the debt.

 

 

Have the police been involved in this at all?

If not, why not?

 

 

There is no statute of limitation for fraud or deception.

This would make for a really interesting day in court on their part,

but I'm afraid it's time to start taking control,

 

 

I doubt that you'll ever see a penny of what they've taken off you,

but with some hard work and determination you should get this lifted from your dad's shoulders.

 

 

It might take twelve to eighteen months of letter writing,

but this is easily resolvable IMO,

 

 

please do consider getting the police involved as they would be duty bound to instigate a full investigation, it is NOT a civil matter...

 

Good Luck and Best Wishes, Dave - DMD.

If my post was helpful don't forget to click the star!

Advice is offered freely, without liability and without prejudice.

If in any doubt professional legal advice should be sought.

 

I do not profess to be in any way legally trained, I am a big

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