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    • That is a superb WS. However, I have a few tweaks to suggest. In (2) "indicating" not "indication". I think to be consistent with your numbering, in (6) the Beavis case should be EXHIBIT 2. Do you really need to include over 100 pages of Beavis?  I think that would be likely to annoy the judge.  Just try and find the bit where they decide it was not a penalty due to having an interest in limiting the time that vehicles can stay. I'll have a look myself for this bit later as it's highly likely to be in WSs from PPCs who think that that paragraph means all their charges are valid always on every occasion. After your current (7) add this.  It's always useful to refer to a judgment when making a legal point - 8.  In the case PCM vs Bull, Claim No. B4GF26K6, where the Defendant was issued parking tickets for parking on private roads with signage stating “No parking at any time”, District Judge Glen in his final statement mentioned that: “the notice was prohibitive and didn’t communicate any offer of parking and that landowners may have claim in trespass, but that was not under consideration”.   In (14) if my maths are right the CPR request should be "EXHIBIT 3".  it is missing from your list of exhibits. In (16) the two figures should be £100 and £170.  They are entitled to increase fro,m £60 to £100, they are not entitled to increase to £170.  To make it clear for the judge I would write - 16. The Claimant has artificially inflated their claim for a £100 invoice to £170. This is simply a poor attempt to circumvent the legal costs cap at small claims. 17. The Claimant has also invented a second fictitious charge, for legal representative's costs, when they have no legal representative. You also need ot number your exhibits. The rest is excellent - well done.
    • Did you ever think of walking away? Become bankrupt and in 12 months it'll all be behind you. My feeling is that you may well get nothing from the sale of the property anyway. Going by the date this thread started it looks like eight years of arrears, lender's costs and receiver’s fees on top.
    • Just to clarify - I make use of evening legal clinics. It is not always possible to see a lawyer (they have limited time and days/week).  This means questions one has may never get answered or there's weeks between follow-ups.   To be really clear - I am representing myself; I am playing at being lawyer/ barrister - which means I take help wherever I can get it (and then research it thoroughly). Ae - a judge in a recent hearing pointed out the receiver is not part of my current proceedings - and suggested I have a separate claim v the receiver. Disclosure has presented damning evidence v the receiver  The receiver against whom I have a complaint is not part of the receiver governing body.   The receivership is in 2 names - a joint one.  My complaint is directed at whom I was told is the lead receiver.  The other named receiver IS a member of the governing body.  But he has now left the company.  And the lead receiver has retired - but is still a working consultant on my case.   All the evidence shows it was the 'lead' receiver who was doing all the  work/ the misbehaviour.   But if the appointment was 'joint' would I make a complaint against them both?    I am sure that wouldn't go down well with the other receiver who is at the beginning of his career. The law is very much against borrowers.   But the evidence against this receivership is crystal clear.   I just don't know how and to whom to complain.   The places I've tried so far don't offer much transparency       
    • Ok, noted, thanks again. I'll share details of every communication received just to make sure.
    • Yes. I sent back the PAP form stating they hadnt supplied the correct paperwork and that pdf is what they sent back
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CRS txting me every day over old Pixie Loans


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Hello,

 

I have the following issue and was wondering if someone could help me figure out what I should do:

 

CRS (Credit Resource Solutions) are txting me every day regarding a very old debt (but not older that 6 years) to a payday loan company Pixie Loans.

 

 

They only text, never call and I never received any letters via post,

I think they don't know my address as I have moved.

 

They are threatening with court actions and CCJs.

And told me that they have sent me a letter but I never received anything apart from regular texts.

 

Is there anything they can really do,

can they really take me to court if I have not received any official letters via post?

 

I was thinking of sending them a letter and asking to do everything only in writing

but at the same time if they do not know my address and my email address

- I do not want to give them that information.

And sending a letter without a return address doesn't seem to make sense...

 

Not sure what to do in this case.

Are these texts enough to get me a CCJ?

should I reply?

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Send a cease and desist letter read up on harrison vs link. Also inform the regulator.

 

Also can you give more info surrounding the debt so we can advise on that part of your issue.

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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Thanks for replying!

I am very bad at all legal stuff, what is a cease and desist letter?

 

Regarding the debt - there's not much to say... About 3 years ago took out a payday loan for around £300 (don't remember exactly) and was not able to pay it back as I lost my job at the time and had to turn to my parents for financial support. I was a bit stupid and didn't contact Pixie Loans to tell them my circumstances charged and I just kind of left it like that...

Pixie Loans never contacted me themselves, I have not received any letters from them until recently started receiving txts from CRS with reference to pixie loans...

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Does CRS use the same number? Can you block it? Or are they in breach of regulation and law by using multiple different numbers?

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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Then you need to get complaining. They are NOT allowed to do that at all.

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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Ok, how and who do I complain to? (I'm only 21 years old and never really been in a situation like this before...)

 

Also, would you know if are they still able to take me to court without me having an official letter from them? I mean, can they take me to court if I change my number for example and they can not reach me?

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simply ignore them

they are a DCA and are NOT A BAILIFF

and cant do anything to you

who are they stating is their client?

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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They are just stating a reference number over txt that starts with PIXIExxxxxxxx.

 

They are not a bailiff yes,

because i do not have a ccj yet.

But I am scared that they will take me to court,

get a ccj and then will send bailiffs...

 

I am just wondering if i should send them a letter and expose my current address or not do anything and hope they wont take legal action?

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they are not a bailiff even if they get a ccj.

 

 

they have no more powers than you or I

if someone owes us money

all we can do is issue a court claim.

 

 

THEY CANNOT get a CCJ

only the owner

 

 

check your credit file

see who owns it

 

 

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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Forward the text messages to 7726 (spam) on your phones keypad, this is sent to your operators system, which is then sent off to the ICO for any legal action they may choose to take.

 

Does your credit file have your correct address on?

 

Be very careful about not keeping that up to date, as they 'may' get a CCJ by default.

 

I would imaging that what you owe is inflated with all of their fees and charges and extortionate interest rate.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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about time you did.

whatever address is on your credit file as to where you are now is immaterial.

its them not being informed in writing of a move that the important bit

else backdoor CCJ's will be sought

 

 

its better NOT to totally ignore fleecers if whatever debt they are chasing was taken out at a previous address and that you've not informed them or their clients or the OC previously of a moved.

 

 

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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Changed my address to the correct one on my credit file, so all should be in order now.

 

 

There are 3 addresses there for the last 4 years so I think if they would start anything against me it would be visible on my credit file?

There's not even a default there for this ...

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well that sorts your credit file...

but NOT that you have by letter informed your debt owners of your correct address

so DOES NOT protect against a backdoor CCJ.

 

 

so who is shown as the owner of this debt CRS are chasing for them?

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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so the address that you were at, at the time of the loan is showing though?

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 think id be sending them a CCA request

 

 

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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