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Unknown Vets CCJ - Now HCEO and Debt collector writing to me at work

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Hi All

 

I hope that you can give me some advice as I am not sure what has happened to me today is legal.

 

I had to have the vet out to my horse last year and had to pay 500 in advance for his treament and then the rest on account.

 

I had every intention of paying.

The debt was in my married name

(I have since reverted back to my maiden name) at an old address.

 

My horse was treated however the vet made several mistakes

(such as not adminstering him antibiotics which resulted in cellulitus)

I disputed the amount at the time.

 

The vet said they would reduce the bill if I could pay in full.

At the time I couldn't so they recommended a loan company which would then help me out with a loan (and even sent me the link) to which I declined.

 

A debt collector went to my old address (I know the new tenant) and was told I was no longer there.

 

Today I went into work to find out the soliciors now instructed have written to me at work threatening me with a CCJ and saying I won't be able to find another job if they enforce it.

 

Are they allowed to harrass people at work?

How will they enforce the debt they surely cannot register it against the company that I work for?

 

Obviously this will be really embarrassing for me at work as I am apart from the Director the most senior member of staff.

Thanks

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Thread moved to the appropriate forum..please continue to post here to your thread.

 

 

Regards

 

Andy


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WHO???

What is the name of the solicitors and debt collection agency?

Name names please.

 

If you have those foolish threats in writing, then the FCA would be very interested to see them.

 

Can you scan and post up what you have so far?


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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Hi

 

Thanks for your quick reply

- I assume this is now on the correct forum?

Apologies for posting incorrectly.

 

I won't be able to scan the letter until tomorrow but the name of the solicitor is E Baring and Co.

 

The letter text is below:-

 

We refer to the Judgement entered against you on behalf of our above named clients dated 18th April 2017 in the sum of #2803.12. The statement of account and two invoices attached.

 

The Judgement is payable immediately and therefore we require your remittance made payable to JE Baring and Co or alternatively your realistic proposals for our client's consideration by return of post.

 

This Judgement has been registered in the Register of Judgements, Orders and Fines and cannot be removed until the Judgement is discharged in full.

 

 

The Judgement will be registered against you for a period of 6 years unless paid in full.

We are sure you appreciate the implications of having a Judgement registered against you and the possible impediment with regards to seeking employment and obtaining credit in the future.

 

In the absence of your remittance we hold instructions to proceed by way of a Warrant or an alternative form of enforcement without further notice, thereby incurring further costs for which you will be liable to pay.

 

It is imperative for you to contact us immediately to arrange payment.

 

The address to which this was sent was only our registered office (virtual presence) and not the actual office in which I work.

 

 

Regarding the Judgement the first I had heard of it was when I got the call to say the bailiffs had attended my old address.

 

Thanks

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Get straight onto Trust Online and see if you have a CCJ.


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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I would guess you have a CCJ already registered to your old address

and that the door knockers were NOT debt collectors

by High Court Enforcement Officers.

 

so you've probably already gotten another several £100's of pounds of fees added

 

can you PROVE the VETs knew your Present address

 

if not

I cant see what you can do about this

other that fill in an N245 variation order and send it to the court.


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thread retitled and moved to general legal issues

[debvfm keep posting here simply an admin move]]


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The vet said they would reduce the bill if I could pay in full.

At the time I couldn't so they recommended a loan company which would then help me out with a loan (and even sent me the link) to which I declined.

 

 

In my opinion what you describe above (if accurate) is an example of credit broking (provided that the suggested loan was one that could be used for any purpose and not only for paying the vet fees) for which your vet would need permission from the FCA (as this is a regulated consumer credit activity).

 

If they haven't got FCA permission, then is beyond dodgy, and perhaps bordering on being a criminal offence.

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Hi All

 

Checking through my emails the Vet's did the loan application form their end so sent me a link. They applied for it on my behalf with a company called Shawbrook Consumer Lending. This would indicate definitely that the loan was to be taken out to pay them and nothing else.

 

What can I do about this?

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Concentrate on dealing with the CCJ aspect of this first.

That's the most important thing.

 

 

What I raised was a side issue and shouldn't be your immediate concern.

 

As asked above, have you checked if you have a CCJ?

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Hi

 

Nothing showing on my credit report - in fact my score has been improved. What I am really concerned with is the bailiffs or court people coming to my work address.

 

That really worries me.

 

Thanks

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they cant its a personal debt.

 

 

dx


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Have you checked the CCJ register .....???

 

https://www.trustonline.org.uk/

 

If they have and you do not come to some payment arrangement they can enforce by way of a warrant either by a county court or the High Court if owed between £600 and £5,000.

 

Andy


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This thread attracted me because it's about vets and I could do with some clarification. In the first post the OP states they never took out the loan

At the time I couldn't so they recommended a loan company which would then help me out with a loan (and even sent me the link) to which I declined.

and later we get

They applied for it on my behalf with a company called Shawbrook Consumer Lending.

 

Is it really a possibility that a creditor can apply for a loan on behalf of a debtor without their agreement? I find that a bit worrying.

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This thread attracted me because it's about vets and I could do with some clarification. In the first post the OP states they never took out the loan

 

and later we get

 

 

Is it really a possibility that a creditor can apply for a loan on behalf of a debtor without their agreement? I find that a bit worrying.

 

I very much doubt it...it requires a signature.


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I very much doubt it...it requires a signature

I'd have thought so too but are we reaching the point where a tick box on an internet application will suffice and there's a way of a third party doing just this?

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A tick box still requires that person to complete details ...a third party cannot make an application for finance in someone else name.Which is usually followed with a hard copy for the signature.


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Which is usually followed with a hard copy for the signature

Ah, that's reassuring. You hear about these loan companies advertising that they'll have money to you in a matter of hours and although as you say personal details will be required on the form a vet is just the sort of business likely to have much more information on their clients than most.

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Ah, that's reassuring. You hear about these loan companies advertising that they'll have money to you in a matter of hours and although as you say personal details will be required on the form a vet is just the sort of business likely to have much more information on their clients than most.

 

Well thats a Pay Day Loan...different matter entirely but the application still has to be made by the individual who requires it.


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dear mr vets

you illegally took out a loan in my name

to pay your bills

then went to court over such.

and attained a ccj

and resorted to bailiffs

 

 

if you do not cancel the ccj in 7 days I will sue you.

 

 

I did not give you permission

neither do you have a licence to

be a credit broker.

 

 

 

 

 

can you please forward me the agreement with my signature

or proof that I authorised you on my behalf to


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dear mr vets

you illegally took out a loan in my name

to pay your bills

then went to court over such.

and attained a ccj

and resorted to bailiffs

Get that, get that it shouldn't happen. Don't get why the vets want paid twice. Surely the loan was to settle their bill if they took it out as the OP says.

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Hi

 

The Vet's financial controller suggested the loan - I wasn't keen saying that I didn't want to get myself into debt when my horse was insured (he was but because of the vet disclosing how they thought he acquired the injury they wouldn't pay out). She then sent me an email saying she had completed most of the work her end and I just had to choose my repayment terms and sent me the link.

 

Can the legal team/bailiffs continue to harass me at work?

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if they don't have your home address yes.

 

 

have you got a copy of the CCJ yet

or even know its number

you need to sort that out first.

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

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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Hi

 

The Vet's financial controller suggested the loan - I wasn't keen saying that I didn't want to get myself into debt when my horse was insured (he was but because of the vet disclosing how they thought he acquired the injury they wouldn't pay out). She then sent me an email saying she had completed most of the work her end and I just had to choose my repayment terms and sent me the link.

 

Can the legal team/bailiffs continue to harass me at work?

 

 

Earlier you said you declined ?

 

" At the time I couldn't so they recommended a loan company which would then help me out with a loan (and even sent me the link) to which I declined. "


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

 

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