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    • Thanks dx. No, there's no reference number in the writ itself.    Who are the pursuers:   Erudio Student Loans Limited, a company incorporated under the Companies Acts and having its registered office at c/o Wilmington Trust SP Services (London) Limited. Third Floor. 1 King's Arms Yard, London EC2R 7AF   Who Are the Solicitors:   Shoosmiths LLP   What is the writ for –   Preceding the Condescendence and Pleas In Law sections provided in post 1, there's the following text: The pursuers crave the Court to grant decree against the defender for payment to the pursuers of the sum of AMOUNT together with expenses   what date was this served on you:- 17th July   what date is within the COURT STAMP: 19th JUNE (not July as entered in post 1)   What Is the claim for: Student Loan   Is the debt showing on your credit reference files - I don't know but can find out   When did you enter into the original agreement before or after 2007? -  Before 2007;  first loan has a 1998 account number   Were you aware the account had been sold/assigned – did you receive a Notice of Assignment? Yes I believe so   Did you receive a Default Notice from the original creditor? Not to my knowledge   Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Yes   When was your last payment:-  I believe I made at least one payment in late 2015 after having been late in submitting deferment forms that year   Why did you cease payments:- I only made payments to cover a couple of months' payments which were due because of my deferment had been submitted late. I stopped once those payments had been covered   Was there a dispute with the original creditor that remains unresolved?  No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan?  No    
    • I emigrated to australia permanently about a year and a half ago, but still have an overdraft of 2500 pounds with a bank in the UK. I am struggling to pay it off, and am being charged 1.75 a day for the overdraft. I have not informed the bank that I have moved to Australia.   Im wondering what is the best course of action. I do not intend to return to the UK and have no assets or family over there. I rang up a call centre for the bank and informed them of my situation and they suggested i ring the branch and speak to them. I intend to pay the debt off, but am not in a position to do so right now, and was hoping the bank might put a hold on the charges, whilst I can get the finances to pay them off.   alternatively, what would happen if I did not pay this debt off
    • is the property jointly owned and the all the CO's/debts are in your sole name?  
    • Oh dear I didn't know that about Word - thanks for the tip. I would be grateful for any other comments re the text. Thanks for getting me to this point. I now have a huge amount of info to plough thru to prepare for the next stage. Is there any guidance as to what happens next and how long that takes, or will that be made clear once the basic defence has been submitted? I haven't been able to find a clear explanation of the procedure anywhere.   
    • I have been tearing my hair out searching for information on the web. Finally (!!!) I came across this huge and exceptionally promising looking site. I learnt a while ago that some Agreements for credit cards under the CCA 1974 are unenforceable.   To cut a long story short, as they say, I am attempting to draw out funds from the equity in our property in order to secure natural treatments for my dear beloved wife. (The NHS have genuinely done all that they could, but their funds being limited, there isn't any hope that they can do any more). There are a myriad of Natural (proven) cures for my beloved wife.   Alas,  I discovered that there are three credit card charges on my property, going back many years. These cards were all started in the 1980's and early 1990's, and were all under the CCA 1974.   I offer my sincere apologies that I have not read through enough of the threads on this site, to be able to find the answer which  I am seeking. I am desperate to get things moving in order to get the funds for the treatment. I fear I might already have confused folk here.   So here goes:   Is there a quick-ish way to get the charges removed from my property, which were placed there after Court hearings at which I was 'advised' to just agree, as I was unable to repay, many years ago.   I read on another website that a form AP1 should be sent to the Land Registry, detailing that the Agreement is unenforceable so the charges should be removed. That sounded too simplistic so I moved on.   Naturally, I will be enormously grateful for any suggestions or guidance on this matter. I accept that I may have rambled on a bit, but folks, I   am frantically attempting to find a solution to remove the charges so that I can quickly utilise those funds to get treatment for my dear wife. Perhaps the answer is already here somewhere. If so, I would be grateful for anyone pointing me in that direction.   Thank you.
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yoker

CLI DCA chasing old French Mortgage Debt - Now in the UK

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Hello,

back at the end of 2008 I could no longer afford the mortgage on my french and spanish properties, I spoke to the bank but they did not want to help, I ended up handing the keys to both banks.

 

In March 2010 I had a few emails from the french bank asking if the local agent could market the house as they had a buyer,

 

 

this was all agreed and I didn't hear anything till January 2013 when a uk debt company asked me for full payment.

 

They sent me a full breakdown of costs and they had added 40000 euros in interest late payment fees, court costs etc.

 

I told them I didn't have the money or the assets to pay and that they should refer it back to the bank as they were irresponsible lending me the money when I hadn't sold the spanish property,

 

Forward to Jan 2014 the same uk debt company start chasing again, but I gave them the same answer as above.

 

Today nearly 3 years later they have sent me a letter to my home address stating they want full payment in 7 days or they will recover the money.

 

I never knew that they had opened proceedings against me,

but I was made aware that the french start repossession after 90 day, but the bank and the uk debt company are saying the house is still in my name.

 

They also sent me a contract to sign saying the house could be sold for €40,000 when I translated the document the house could have sold for €90,000 ????? they said it was a clerical error.

 

Original debt €117,000 Euros.

Total to date is €180,000 Euros .

 

Any advice would be very welcome.

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somethings not reading right here.

 

I doubt anyone got a UK CCJ against you.

 

and the shortfall was over 6yrs old anyway dso SB'd under our laws.

this is not reading right me thinks someone id trying to spoof you out o money here

 

name the DCA please


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Thank you for the quick response DX100UK

 

I have not made any payments since the end of 2008 and last corresponded with the bank in May 2010

- Then last emailed UK DCA in Feb 2014

 

I do agree with you that they are chancing their arm,

but wasn't sure how French law would apply over here,

 

 

someone said they can chase you for the full term of the mortgage???

 

The DCA is credit limits international

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load of cobbreres

a DCA is not a bailiff

and they have no legal powers whatsoever

 

 

all they are trying to do is line their pockets with anything they can fleece from you.

 

 

if you read their letters properly

you'll see they don't say will anywhere

but use clever wording to make you think they are superman or something

when in all reality they have no more legal powers than you or I..

 

 

scan the stuff up to pdf if you like

lets have a laugh..

 

 

dx


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http://www.creditlimitsinternational.com/

 

 

powerless no win no fee ambulance chasers

can be totally ignored.

 

 

dx


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Todays letter, should i respond with an email to them, as I don't want any door knockers coming

YOKER1.pdf

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A French mortgage debt can be subject to a UK court claim. UK statute of limitations for mortgage debts is 12 years from the date the debt was realised, which might be when the house was sold. Don't know what French limitation period is for property debts.

 

But it won't be a DCA that takes such action. The French creditor, if they were definitely going to issue a UK court claim would get a UK Solicitors to write to you.

 

Ignore this DCA writing to you.

 

If you have property debts in France and Spain due to a defaulted mortgage, if you wanted information about what is happening, you should contact the mortgage company directly. If you have no other assets and limited income, then you should enquire about bankruptcy or whatever the process is in France. Given that the limitations period is for many years, most people don't want large debts hanging around and being threatened over years by debt collectors.


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Thank you for the info guys, is there a standard reply I can send so they stop all contact

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what a crap letter.

you can totally ignore them!!

 

whats this about a no powers doorstepper?

where has this come from?

 

 

dx


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I presumed they would try and send a collector if I ignore their letter

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You don't want to send any response to the letter, as that will just encourage them to write to you again.

 

They won't send anyone that has any power. Some DCA's send a enquiry agent just to see who lives at the address and if so why they are not responding. If you are ever visited, never confirm any details. I doubt it will ever happen.


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For peice of mind can I tell them not to bother me?

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you start letter tennis

[but I suspect you already have?]

they'll never go away

as they think one more threat-o-gram might make you cave in.

 

 

as for doorsteppers..

I think you've been watching too much don't pay tv progs.

 

 

just remember

a DCA is NOT A BAILIFF

if you do get any dirty mac brigade at your door

then you call the police 101.

 

 

the only way to rig yourself of them is to totally ignore them!

 

 

dx


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For peice of mind can I tell them not to bother me?

 

There is no point. They will ignore you. As soon as you attempt this, it will just encourage them. Don't put cheese out for mice.


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Thanks guys,

I can honestly say that I haven't made contact with them regarding this letter today, I will take your advice and not make further contact,

 

The next attachment is the summary from the bank from 2010, they sent this via the DCA in 2013.

 

Point number 8 was the one that worried me as it translates to 'cost of proceeding'

This made me think that they had tried to go legal back in 2010 but my credit report is clean.

 

My wife has gone to bits over this and I don't know how to resolve it,

 

Cheers

YOKER2.pdf

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If you had UK assets to go after, they would have already gone to UK Solicitors and gone to court by now.

 

Quite often with large mortgage debts, the mortgage companies don't think they will make any recovery.

 

If you have just lost property due to financial problems, it is very unlikely you will have money available to pay debts.

 

The mortgage companies have a type of contingency insurance anyway, so any debt chasing can be pretty half hearted.

 

If these properties have been sold at a big loss, i would have expected the mortgage company to have written to you with more details.

 

In France, i thought there was some process for registering such debts officially.

You would then have a decision to make, as to whether you file for insolvency in France.

 

In the unlikely event that you were ever subject to court action, then you will be served with court documents and you can obtain advice.


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Back in 2010,

they tried to serve something to me but I was working away,

this was at my parents address,

but nothing relating to the mortgage has ever been registered on my credit file,

 

If I did have any assets in the U.K. but they were not registered to me but my wife, would this give cause to chase, also I have two young children

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Your wifes assets could not be touched, unless she was on the French mortgage.

 

Being that we are now nearly in 2017,

i suspect that the mortgage company have given up and it has just gone to gutter debt collectors chancing their arm.

 

Does not seem like a DCA that would ever go beyond a few letters.


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My wife was on the mortgage but had no declared income,

Let's see what the new year brings,

I'll keep you updated.

Thank you for your advice

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Its all been toothless willy waving

 

The most important thing with any dca is in post 4

Get your wife to read it

Then tell her read it again

 

Never ever entertain a dca

Even more so on foreign debts


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UPDATE 20.12.2016

 

Good evening guys, I took your advice and didn't respond to the DCA on Monday, today I received an email on one of my old accounts from the DCA.

 

It wasn't a scanned letter just a typed email, not even an invoice, again I have no intention of responding.

 

FINAL REMINDER

 

 

Creditor:

CLI reference:

Debt Amount: £ 158758.33 € 180762.23 (contractual)

Interest: £ 417.56

Compensation: £ 36.00

Collection Costs: £ 0.00

VAT on Costs: £ 0.00

 

Balance due: £ 159211.89

 

 

We refer to our prior requests for payment and note that we have not heard from you.

 

Please pay immediately, by cheque made payable to CAISSE D'EPARGNE Aquitaine Poitou-Charentes or direct into our bank’s client account shown below, in order to enable this matter to be resolved amicably.

 

If there is any reason why you will not be paying the full balance today, please do not ignore this letter and contact us immediately.

 

This case has been assigned to Mr Imed Bouzamita who can be contacted by email at collector3@creditlimitsinternational.com or by telephone on +44 (0)1795 594576. Please use these details when replying.

 

Thank you.

 

 

Bank

NATWEST MAIDSTONE BRANCH (UK)

Ulster Bank Ireland Ltd

Sort Code & A/C No.

60-60-08 47296321

98-50-10 16877276

IBAN

GB10 NWBK 6060 0847 2963 21

IE75 ULSB 9850 1016 8772 76

BIC

NWBKGB2L

ULSBIE2D

Currency

STERLING

EURO

 

Please forward a copy of your payment confirmation to us to ensure further recovery action is prevented

 

 

Interest, Compensation and Collection Costs are charged in line with

The Late Payment of Commercial Debts Regulations 2013

This email should be used as a valid invoice

Our VAT number is GB 947 6946 59

 

 

 

Mr Imed Bouzamita

Credit Limits International Ltd

PO Box 267 - Faversham - ME13 3AX

( +44 (0)1795 594 576

Ê +44 (0)1795 537 841

* collector3@creditlimitsinternational.com

 

New_Footer_Image_2013_award

 

Telephone calls may be recorded for training and quality purposes

We reserve the right to use these recordings for the resolution of any dispute that may arise

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obviously someones xmas drinkies fund is a bit light

and they are hoping to spoof people into funding it.

 

 

totally ignore

 

 

dx


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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Have you googled the company chasing ?

 

Are they even properly registered with UK regulators to carry out any debt collection activities ?

 

Looks a bit iffy to me.

 

This Imed used to be involved in tourism services.

 

The website set up does not look like a professional company.


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