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    • I started paying her old council tax as they said they would jail her I managed to get those account details. We then got back together she moved in with me stopped me going to my house. Eventually let me back in I was there 4 days then the police showed up at 1am arrested me for 8 different offences. On the morning I was in custody she rang the letting agent and asked for the house to be changed to her sole name as I was in jail. The house was changed to her name I was made homeless. The bills she did not change to her name left them as occupier the utility companies then said I had to pay as there was lots more usage than an empty property. My solicitor said if I don't pay them I will be reported for it. It has since turned out that in her old property she didn't pay the bills. The electric bill she put in her daughter's name then cancelled the direct debit the council tax she never attempted to pay. Due to one of the accusations I have since been told I need to pay these bills even after getting emails saying I'm not liable for the bills. I have forwarded these on to the police and solicitors and had no reply. Other than you have to pay these bills. I'm also going to end up paying the bills where she lives now as once again they are not being paid. I can't go in to detail about the case as I'm due to be charged next week not sure what with yet but the police have told me I'm going to be charged.  My ex will not tell me nor can tell me about her debts as she doesn't want me to know how much debt she is in or has put her daughter in once she turned 18. I do not want to be paying her debts after what she has done to me.
    • In the earlier thread (now linked above) you were going to change your name by Deed Poll. Did you do that? Did it solve any of your problems? What, exactly, have you been charged with? Has a court date been scheduled? I cannot think of any reason why the police would tell you to pay your Ex's debts that she incurred 5 years before you met her. Either there's lots of the story you aren't telling us, or you have misunderstood what you have been told, or you are trolling us. Earlier you said it was your Ex who wanted you to pay her debts and, for some reason that  no-one here could understand, you were going to do so. So your Ex can give you all the details of her debts and you can pay them. She can hardly expect you to pay them if she won't give you the account details! I've never known debt collectors be fussy about who pays as long as someone does. They routinely take payments from friends and family to clear debts. It's not illegal to pay someone else's debts          
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Natwest/Allied International. Do inhibitions or intimations affect time barring?


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My question that I do not seem to get an answer for is this...

 

Is my debt with Natwest time barred or do the inhibition and intimation affect it?

 

I have worked to pay off/clear all my debts totalling about £20k but there is one I just cannot seem to be rid of.

 

An overdraft of £600 that turned into a debt of £8k due to their charges and interests!

 

Here's a brief timeline.

 

. 2006 Default occurred.

 

. 13.9.2011 an inhibition was granted by the Sheriff's court

 

. At this point we had paid back much more than the original £600 and refused to pay any more.

writing to them got us no where.

From this point on we made token payments,

which despite our income and expenditure they said they refused yet still banked.

 

. 10/1/12 last token payment made

 

. We have not acknowledged the debt since or written to them ourselves since January 2012.

 

. 8/10/12 In an effort to sort out our situation we went to the CAB who put an intimation in place.

We never actually used the plan proposed by CAB as it really didn't help us beyond what we were already doing to remedy our full financial situation.

 

. 9/10/2012 Anderson Strathern send an earnings arrestment to the local authority assuming I was working for them.

They disclosed my debt and personal details in a huge breach of data protection.

 

. 15/10/16 We tried to apply to remortgage our home to clean up the last of our debt but the matter of the inhibition came up.

 

I was told they expire after 2 years, now I am told it is 5.

So it possibly hadn't expired when we applied for the remortgage.

This was the only block to our application.

 

There are dates and interest rates missing from the court paperwork completely, and we have letters that give different figures of what we owe (one month £8k then 3 months later £14!)

the discrepancies are multiple.

 

The debt has been passed to various other collection agencies although I'm not sure it's been sold.

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Inhibitions do have limitations:

 

They cannot be applied where prior missives have been concluded or where property is being sold under Power of Sale (following repossession by a mortgage).

 

A Sheriff can limit them if a decree has already been granted e.g. transfer of property to someone else. (Where an inhibition is limited it only applies to the property specified in the action, or by the Sheriff.)

 

It is valid for 5 years from the date it is registered in the Register of Inhibitions and Adjudications.

 

It isn’t valid after the outstanding amount is paid in full, the 5 year period expires or on the death of the debtor. However a pursuer can seek to renew the inhibition. The expenses of the inhibition, including those expenses relating to the discharge of the inhibition also require to be paid by the defender.

 

Regards

 

Andy

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Inhibitions do have limitations:

 

They cannot be applied where prior missives have been concluded or where property is being sold under Power of Sale (following repossession by a mortgage).

 

A Sheriff can limit them if a decree has already been granted e.g. transfer of property to someone else. (Where an inhibition is limited it only applies to the property specified in the action, or by the Sheriff.)

 

It is valid for 5 years from the date it is registered in the Register of Inhibitions and Adjudications.

 

It isn’t valid after the outstanding amount is paid in full, the 5 year period expires or on the death of the debtor. However a pursuer can seek to renew the inhibition. The expenses of the inhibition, including those expenses relating to the discharge of the inhibition also require to be paid by the defender.

 

Regards

 

Andy

 

Does that affect time barring?

 

With this particular debt it should be time barred, but are you saying the inhibition can be renewed regardless?

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only if they have sought to renew it.

 

can you expand on the bit you say its been passd around various debt collectors?

do you mean DCA's

list the names that have cropped up over time with it.

 

WAS IT natwest that did it or they sold the debt and it was a DCA that got the decree then an inhibition?

 

who were you paying till you stopped?

 

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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Natwest got the decree.

 

We were paying Anderson Strathern when we stopped payments. It was our understanding that they were acting solicitors for Natwest. I do not know if Natwest had sold the debt or not.

 

I cannot remember all of the debt collectors and yes I suppose I do mean DCA's but the first was Apex Credit Management, and it's currently Allied International Ltd

Edited by Moobee
answer question in full
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both are total bottom feeders

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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I well believe that. BT's choose to refuse service and turning the ringer off on our landline has worked wonders, but somehow Allied International got hold of my mobile! (I have had the same number for 10 years and am very careful to only hand out to work and family).

 

I have received a letter confirming the last action on the account as the date I have given

 

I just want to know if I can write the statute barred letter or not.

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at some point in the past you have phoned someone from the mobile and the number was captured. Companies sell on lists of peoples details and these and up in the hands of these low lifes.

 

In days before computers and mobile technology you trawled the small ads of Private Eye to see who was selling on improperly obtained data.

 

A lot of data leaks out of call centres in India and you can buy the personal details of say 10000 mobile phone customers for 20p each.

 

Once you have invested you money in that illegal activity you sell on copies or refined data to get your money back and some.

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Person I'd keep quiet

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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