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    • Will this work?   I disupte this debt because, Firstly i only ever used my phone via wifi, there was never a notification regarding usage and data. The rules regarding roaming usage has changed,  the default was illegal and was disputed. This matter is between O2 and myself.   The debt purchaser has yet to provide any or all of the required documentation.
    • Hi all   Wow, do I have a situation to contend with now! I shall include as many important facts as needed.   I have received a solicitors letter today, by instruction of MY PARENTS claiming they are beneficially entitled to a property I purchased in 1999.   This property belonged to my Grandad who sadly passed away in 1993. He had hand written a will, not witnessed by anyone, leaving the property to my Mother and not his Son. Of course my Mothers Brother wasn’t happy with this and contested it which ended up in court. This dragged on for a long time, it could have been years? Until it was decided the house be sold and money divided equally. From memory I think the legal feels were around £30k ish.   At this time my parents didn’t have jobs and I was able to obtain a mortgage in 1999 and after going on the market purchased the house for £50k as it needed a lot of work. At the time I was very close to my parents and it felt a good thing to keep the house in the family circle as such (like cars sometimes) but was obviously in my name as the owner. I paid the mortgage and utilities on it and it sat empty for ten years whilst deciding what to do, more my Mother not wanting anyone to touch it and change memories.   The council kept writing to me until eventually said it would be a forced sale if nothing done with it. I then obtained additional borrowing to fund the complete renovation and then rented it out with the idea if it reducing the mortgage. Around the same time and during the crash I manged to buy another house needing work, by using equity on first as a deposit and a mortgage on the new house.   My parents would always refer to the 1999 as my house although this felt awkward. A few years along the way (2010/1/2) my Dad purchased their council house at a reduced rate.   I moved out of my parents home in 2014 and into the second house once it was all modernised, which since the relationship with parents has just deteriorated a lot. Arguing about lots and them saying I need to ‘sign the house back over to them’ on more than one occasion.   To fast forward, the tenants moved out of the property recently and my parents found because as creepy as it sounds, I think they used to drive by or watch them. The signing back over has been demanded recently to which I said was ridiculous etc…   Today I get this letter with 29 paragraphs and crux of which being to transfer to property, with vacant possession and mortgage free, to them and in addition any surplus rent from the previous ten years!   The letter is full of lies my parents have told the solicitor such as:   I lived with them rent free in lieu of paying the mortgage They paid all the utility bills and council tax They paid for and carried out most of the work back on the house in between purchase and 2008 when renovated My Father dealt with the letting agents recently and I ‘merely’ signed the tenancy agreement   There was a time, as my parents have always been high maintenance, I had written something for my Mum to say although I own the house, morally it belongs to her as probably thought it would help the relationship. A copy of this has been included, although I think looks slightly different to what I had printed and also says…about asking their permission to sell it and they could move in if they ever wanted, I really do not recall saying that! This piece of paper I refer to has no date or signature.   My goodness, this has completely knocked me for six. Its like history repeating itself!   I have checked with Eon, Council tax etc… so far and all have been in my name and paid for by me.   The letter also says ‘the facts of this case are familiar to you and you ought not to require any further enquiry’ which almost is like the solicitor knows this is all hearsay/BS and no proof? Also that I should respond to the claim within 28 days. The letter was also not recorded in case it makes a difference.   Another paragraph says advises my parents 'have a strong claim that I am holding the property on trust for them absolutely by way of constrictive trust and/or proprietary estoppel' I have no idea what this means!   One thing I should point out, I used to be very much in my parents bubble, asking them for advice, wanting their approval, very much lacking confidence in awareness of my own abilities. It is since I have started thinking for myself they don't have the hold on me their behavior  have become worse.   What are your thoughts please? I really have no idea what to think!   Many thanks in advance as always   E!
    • So I got a phone call on Saturday on my private mobile phone. This call was from Moriarty law ...I had sent my PAP docs back with no e mail address or phone number ...they said they had used a tracing company to find my details ....I have since called them and put in a complaint that they have breached GDPR regs ..they have now suspended any action pending a full investigation. The agent who called me was not very bright to say the least ..he wanted me to make an offer of payment even though as I told him it was only an allegation that I owed the money as ADCB had not sent the original paperwork back..... he then told me that they could take me to court even if I had not got a copy of my signed credit agreement ....I basically told him to jog on ...I'll let you all know the outcome of Moriartys GDPR breach investigation .
    • or should I sent a copy of Ericsbrother's template  ?    Please help!     Unfortunately for you, I was not born yesterday so I will not be paying the demand as there is no liability in this matter because the signage is prohibitive and not an offer of a contract so none has been breached and anyway the POFA limits any charge to the specified sum so your demand for £160.00 is nonsense. As VCS (Vehicle Control Services Ltd) has been spanked at court on this very same thing several times before I suggest that you discontinue this foolishness. Should VCS decide to continue then I shall be asking for a full costs recovery order for unreasonable behaviour and then seek damages for the breach of the DPA/ GDPR as per VCS V Philip, Liverpool CC Dec 2016. Even Will and John, the parking world’s worst solicitors seem to have got fed up with Simple Simon’s stupidity and greed and presumably that it why you are wasting your ink on his behalf.
    • What about?   Dear Sir / Madam I dispute your ' parking charge'. I deny any liability or contractual agreement and I will be making a formal complaint about your predatory conduct to my MP.   You are no doubt aware that Southend airport is subject to byelaws 1997. This is not and cannot be a civil debt. Should you proceed with a civil case an application will be made to strike it out as the civil court lacks jurisdiction to hear such cases.   Having been warned that such an application will be made I will hold you fully responsible for all and any fees associated with this and apply for all costs due to your unreasonable behaviour.   Yours faithfully
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Hi all,

 

I have just returned to UK after living abroad for approx 4 and half years.

At the time when I was moving out from UK I had few credit card and mobile contract debts not exceeding 4k

 

Now returning to UK,

I didn't want to be linked to my old credit file as it has a ccj and the defaults.

 

 

I don't mind paying it but since I now work in finance sector I would lose my job straight away.

So the best way I thought was to keep my head down and let all those debts go statute barred.

 

I have opened the new bank account here on the new address as I was living abroad for a long time.

My new credit file assumingly should not have been linked to my old address.

As I did not mention it to my bank or utilities companies as it was more than 3 years ago.

 

Now out of the blue I have received a letter from Robinsons way trying to confirm my previous address. The letter is vague and not giving away much.

 

 

I have no idea how did they come across my new address.

Only thing I could think of is updating the address on my driving license.

 

Questions

1 - are they just phissing or do they for sure know its me

2- am I currect in assuming my credit file has no links with old address if I havnt mentioned it to financial institutions

 

3- if they don't know for sure its me am I correct in ignoring them ?

The old debts would be statute barred in an year and a half

 

Thank you

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Guest Mrs Hobbit

Your name, date of birth and place of birth, even parents names on any application will link straight away to your old credit file.

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also, you can ignore robbers way. It's an automatic phishing letter. No human input was used to make it,


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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how olds this CCJ?


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Defaults are all from July 2012, ccj although shows a date of July 2013

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so will be there for 6yrs regardless to if paid or not

then the CCJ drops off

 

the same goes for defaults, though when a default reaches its 6th birthday the whole account vanishes.

 

doesnt mean if either happen that the debt nor the CCJ are not still owed mind.


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Yea I understand it will be off the file but I could be chased for the ccj and not a statute bared debt.

 

 

I just don't want a link to my old credit file as it would risk my job and whole career for a mistake i made when I was too naive

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nothing you can do sadly

 

 

theres no way running away and hoping by hiding it wont get linked to who and where you are now.

 

 

dx


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Theres no old credit file. Its the same one, and regardless of owner, they have a legal obligation to update it and keep a truthful and accurate record.


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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Well I think I will pay the ccj but

1 - Can I pay the ccj via third party? Without showing my address to the creditor ?

 

2- if I pay the CCJ now will it reset the clock? Knowing it will come off my file in 2 years. Will it stay again as satisfied for next 6 years ?

 

Thanks

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show satisfied until the 6 year point any point in paying as it will not be removed ???? sure others will comment or just stay low for 2 years without russling DCA to find you they will if they want to, thru CRAs bank account or entries by financial organisations anybody with your name a potential target!


:mad2::-x:jaw::sad:

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paying or not its still goes on its 6th birthday

pers i'd go have a holiday!!


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I have received the letter from Robinsons way.

 

I havnt opened it but reading all the posts it seems about details of the debt.

 

Should I return it to sender ?

 

Or shud I open it and send a prove it letter ?

 

Its so old that I am sure they wouldn't be having any paperwork to it

 

Also if I may add,

since I have come back after 5 years,

the bank account I opened is a cash card one (basic) and have council tax under my name.

 

 

I am sure its not my credit file where they got my address from,

if that's the case could they be sure its definitely me ?

And do they have the athoutrity to link my new address with old one on credit file ?

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so how likely are your employers going to see your credit file?

cause sure as eggs is eggs

it'll be there soon...


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Does that mean they have the athoutity to link it ?

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who are 'they'

 

 

you seem to be misunderstanding how credit files work

they and their CCJ's are nothing to do with it being registered at an address.

its registered to a person...you!!


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Well I think it is complicated for me.

I thought if I have this new address and no credit,

it will be hard for the CRA to link my identity to old address.

 

But u are suggesting it's very easy for them.

I havnt checked my credit file since coming back as I thought it would give CRA my new address

 

I think I am going to wait a few weeks and then send Robinsons way a prove it letter.

This would buy me time for the default to get SB as I know they wouldn't have the required paperwork

 

who are 'they'

 

their CCJ's are nothing to do with it being registered at an address.

its registered to a person...you!!

 

Well if I go trust online website now and give me name dob and the new address I dont see a ccj,

only time I see it when I give the old address.

 

Reason I would see on my credit file is if CRA link my new address with old one, so I guess it has to do something with Ur address and not just you

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the CCJ is against YOU

TOL wont show it against your new address as its nowt to do with an address.

 

 

you've open a bank account & pay CTAX so that info is already against your credit file..

and how can you say its not there when you've never looked at your credit file??

so neither can your employers have...

 

 

sending stupid letters is not going to help either.

the CCJ trumps the need for them to hold any enforceable paperwork.

 

 

were you resident overseas when the CCJ was granted and can prove it?

 

 

dx


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Yes I was resident abroad.

I had taken up employment.

So there is plenty of proof about it.

 

As for the letters,

I am not referring to CCJ.

I am referring to the rest of defaults which probably Robinsons way is chasing.

 

 

Why should I give them the money without a fight for a debt they bought for only a couple of quids.

So that's why I would keep writing them letters until they prove it they have the original contract etc

 

If they have linked my old file to the new then I would rather go down fighting as I have nothing to lose if my CF shows the ccj

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then you risk more CCJ's via the backdoor because your creditors

[the owners of the debts listed on your credit file [be that the old or the new 'address' one, be them linked yet or not.]

 

 

writing silly prove it letters is not the way to go.

 

 

so what are the debt types and the defaulted dates.??

 

 

sorry but hiding is not the answer here.


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I was just too naive back then.

It was two credit cards and mobile phone contract and bank overdraft.

All this not exceeding 5k with individual value less than 2k

 

Defaults are all related to august 2012 that's when I moved abroad.

 

 

Ccj although was registered August 2013

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you cant CCA the phone nor the OD account.

but as the OD is most prob penalties

and the Mobile most probably sums to full term of contract

both of which can now be challenged

theres routes to question those too.

 

 

all of these are owned by DCA's now?


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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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Challenge ? Resulting in what ? I am not sure who owns the debts now. As Robinsons way is the only letter I have received so far. I am just dreading checking my CF as I still think what if Robinsons way are just phissing

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well you wont be able to challenge that a balance is not all or not even due if you don't even know you've got another ccj by the backdoor until its too late and bailiffs are possibly at you door.

 

 

as I said earlier, sure as eggs is eggs, your other debt are now in the hands of DCA's.

the phishing trips have already started now you are re resident in the UK,

and they wont bat an eye at going for CCJ's as they can see a very easy win.

 

 

so before you know it, they'll be more that one CCJ that hits the fan and if your employers do ever check your credit file, that'll be an even worse situation than if you were to address the present CCJ now.

 

 

but you need to do your homework first.

 

 

its not impossible to have that old CCJ set aside it's been known, esp as you were, and can prove it, resident abroad.

however, you'd still need a defence for whatever debt the CCJ is about.

so a copy of the CCJ is needed you can get that from northants bulk court.

 

 

IMHO the defaults are the least of your worries, they don't effect employment, but multiple CCJ's do.

 

 

your call, keep head in sand praying that nothing happens until 2019 when the CCJ reaches 6yrs and makes it more difficult for the claimant to enforce it

or hit the whole lot head on guns blazing.

 

 

but you've gotta get your ducks inline first else they wont be easy targets.....


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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Right so what that means is

I pay the ccj already on my file and just wait for all DCAs to contact me and pay them as they do.

 

Well if this is the only way out then I will but as I said I will at least want some proof from them that they now actually own the debt

 

So I guess for all defaults CCA is my best bet

 

Just one more thing

- the defaults which are going to go off file in a year time.

Of I let's say reach a settlement with them and pay it.

Wud it still go off the file in an years time or is it going to stay for another six year from the date of settlement/payment

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