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    • Solicitor suggested that it was an unlimited loan more like hire purchase citing balance transfers...I tried not to say too much or admit any liability and continued to say that I had no original documents or default notice...that all they had were assignment documents and that they had provided nothing within original timeframe for me to make an informed Witness Statement...no ticked box, name, signature, date (just a stamp saying 04/2008, and no IP address on Egg document in their bundle. I kept repeating no. 3,4,5,6 above...went on a long time and he was in a rush but the Judge suggested that he could interpret the evidence as it is a County Court...judgement against myself the defendant...have to send proof of income to claimant and negotiate payment. Thanks for the help none the less, the solicitor had to think about it and delved deep into Consumer Credit Act...will make a donation as soon as possible...
    • you should be blocking and bouncing all email addressees just a free way to harass people.    
    • I am posting here another update just for future references and keep track of what's going on     SkandicInkasso (SJ inkasso GmbH), the DCA, sent me another email:   Dear Madame, Dear Sir, we are commissioned by Hertz UK Ltd. Carrental to collect the outstanding account balance. At this time, we have neither received a payment nor have we gotten a response to the letter sent on . Your account is now 101 days past due and you owe a total of 1234.77 €.   Please get in touch with us immediately and please submit your payment of 1234.77 € by 06.12.20.   We would like to help you quickly remit payment to avoid any actions that could damage your credit rating or future credit limits with you or your company. If there is a reason you are unable to pay in full, please contact us on our web portal: https://www.skandicinkasso.de/en/debtor-login Case No.: xxx Password: xxx Please pay this amount today, to our bank account: All payments shall be made to SkandicInkasso (SJ Inkasso GmbH) Postbank, Germany SWIFT / BIC: PBNKDEFFXXX IBAN: DE90440100460869716460 with the ref xxx You can also make your payment by credit card directly to Hertz in €: www.hertzonlinepayments.com/GB/en Use this invoice number ( xxx ) “Do only enter the numbers” to pay the full amount 1234.77 EUR = 1082.89 GBP Please do not forget to send us the proof of payment, you will receive this by email after the payment is processed) Important: If you decide to pay by your credit card we kindly ask you to inform us by E-Mail: ( Info@SkandicInkasso.de) so that the file is not referred to our local collection agency. [...]     Obviously I am not going to pay but I was wondering if it's worth trying to reason with them and explain that, even if they take me to court, there is no way they can win. Any idiots can agree that, even if you are the worst driver in the whole universe, it's impossible to burn down a clutch after only 6 miles unless the previous driver drove like a maniac.  
    • we will jump we will we mean it  we do    ignore   dx  
    • got another letter from them, saying final notice before court proceedings.  Saying that their client has instructed them to proceed through the courts in order to collect the debt, and if I don't pay within 7 days they will initiate a PAP again.   if they do a PAP again, should I just reply with almost the same response as  I did first time, since they have failed to give me:   "Original signed finance agreement together with the terms and conditions IN ENGLISH <- Only Norwegian provided.   Any notice of change in account terms and conditions that were ever issued since credit approval - Received no such things. Proof the UK Pre Action Protocol allows a UK Solicitor to issue a Letter Of Claim and /or issue court proceedings concerning a Norwegian debt." - not received.   ?
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Hi all

I had two ccj debts with Aktiv Kapital which have now both passed the 6 year point.

 

Both had interim charging orders on my house.

 

I paid off one of about £3k and had the charging order removed.

 

They very kindly also sent me a receipt to show that the other debt was clear (which it wasn't)

 

I forwarded that to the court and had the other charging order removed.

 

I moved house a year ago and I am still paying £20 a month to Aktiv Kapital.

 

Any thoughts about what they could do if I stop these monthly payments?

 

The CCJ wasn't really settled although they gave me a receipt and I moved house.

 

I am tempted to let sleeping dogs lie but equally I wouldn't mind asking for a refund on the £20 that I have paid for the last 12 months.

 

I haven't heard anything from them and they don't have my new address yet.

 

How clued up are they?

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  • 1 year later...

Hi

 

I would be grateful for advice -

 

I have two certificates of satisfaction for PRA debts.

 

One they have a record of and the other they claim not to.

 

When I recently tried to stop payments on the one they claim not to have a record of they asked for proof of payment ie bank statement.

 

I don't have that as I think that it was arranged by my ex wife and there is no way that I am going to her for anything.

 

Surely the court would have sent them a copy originally?

 

Where do I stand on this?

I think that they owe me about £600 since I should have stopped paying this.

 

Thanks

Edited by DDhelp
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you mean they got 2 CCJ's and you've paid the judgement sums?

 

 

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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PRA are a fleecing dca

how come you never? defended the original claims?

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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Oh great

So ruddy obv they were fleecing you then

Why didn't you defend the claims?

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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Oh great

So ruddy obv they were fleecing you then

Why didn't you defend the claims?

 

Two HSBC overdrawn defaulted bank accounts there wasn't much to contest

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Well something must have been up as they gave a discount

And I assume HSBC sold the debts on

Rather than crush you in court themselves

Wonder why that was.....

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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Two HSBC overdrawn defaulted bank accounts there wasn't much to contest

 

The fact they were chock full of charges and prob unenforceable would have been a start

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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  • 4 months later...

A DCA is chasing me for a debt that the court shows as settled (I have cert of satisfaction) and they lifted an interim CO. This dates back to 2013.

 

They now say that they can't find that payment was made.

I can't prove that I did as I don't have records from them.

 

What do I do?

I sold the property with the original order and now live in a new mortgaged home with wife who didn't know me at the time of the original debt.

 

Can anyone recommend a good solicitor to sort them out for me?

 

Thanks

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You don't need a Solicitor. Send them a copy of the cert of satisfaction as proof the debt was settled. By recorded delivery, with a covering letter and a copy of the letter they sent.

 

It is not your problem, if they can't find the payment.

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 OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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

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pes i'd ignore them

they have zero legal powers anyway.

 

 

you haven't responded to them yet have you?

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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who the dca is this your old PRA one?

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

threads merged.

 

so you've continued pointless letter tennis with them?

if the debt has already been litigated on

then they cant have 2 bites of the same cherry.

 

i'd be ignoring them

 

what are you frightened of?

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

then you should have been ignoring them since 2015.

 

 

why did you continue to pay them after 2015 when they sent you a receipt that it was already paid off?

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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Its threads like that make me sad. WE told the OP the best way to deal with it, but was sadly ignored. THe DCA then started fleecing the hell out of him, even affecting the OP's relationship :(

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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They cant simply reapply to put a charge on your new property for a CCJ thats been satisfied...the Interim CO has been cleared...ignore them.

 

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 OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

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

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