unknown Arrow/Restons CCJ for 1996 M+S card

[dx100uk]

stuff rectums let em sweat

a DCA or their fake/tame solicitors

ARE NOT BAILIFFS

and have

NO SUCH LEGAL POWERS.

 

 

get the claimform and the CCJ copy

lets see what were actually dealing with.

 

 

could be full of holes once the surface is scratched

[dx100uk]

did you happen to discover the date they got this CCJ?

[Clinging_2da_wreckage]

Rest0ns say 23/11/16

 

If that is true surely I would have had some comms. from the Court?

[dx100uk]

good so well old

nothing to rush about

let 'em sweat

 

 

go ring northants

[Clinging_2da_wreckage]

I keep trying but seems impossible. I have emailed them so hopefully that might do it.

 

I keep getting the horrors that Bailiffs might turn up. Is that at all likely?

[dx100uk]

they have to go back to court first as it would be county court bailiffs

no dca nor rectums have any such powers to do it themselves

[Clinging_2da_wreckage]

Ok I will wait for Northants to respond and let 'em sweat. Thanks again.

[Clinging_2da_wreckage]

No contact from Rest0ns.

 

Hallelujah!!!

Managed to get through on the phone to Northants.

 

Asked for a copy of the CCJ and very helpful operative emailed back almost immediately.

It quotes

THE CLAIMANT CLAIMS PAYMENT OF THE OVERDUE BALANCE DUE FROM THE DEFENDANT(S) UNDER A CONTRACT BETWEEN THE DEFENDANT(S) AND MARKS AND SPENCER FINANCIAL SERVICES PLC DATED ON OR ABOUT MAR 11 1996 AND ASSIGNED TO THE CLAIMANT ON APR 02 2013 PARTICULARS A/C NO - ************** DATE ITEM VALUE12/09/2016 DEFAULT BALANCE ********* POST REFRL CR NIL TOTAL ****** **

 

Is this any help though?

 

Hope you are still there dx100uk.

[dx100uk]

well if can prove last payment was more than 6yrs previous to say 10/16 then its statute barred and you might get it set aside free

 

so go get that info

don't believe a word rectums say.

 

ring M+S again badger them!!

 

they must hold data for 6yrs under

the prevention of fraud act

and

the Data protection act

 

if you get the run around ask to speak to a supervisor

state the above and confirm that named person is refusing to give the info

then state ok then I;'ll go ring the information commissioners office now and tell them you are refusing me the info bye..

watch them wriggle.

 

dx

[Clinging_2da_wreckage]

After digging in Bank Statements I have found token payments to R0ckwell up to Jan 2012, but don’t know if it was M&S.

But they dates seem to be right. So have a horrible feeling not S.Barred.

 

I will have another try at M&S though.

[dx100uk]

Rockwell don't buy debts so act for clients..

and as arrows didn't buy it till 2013 those payments must have gone to M+S

 

 

so they MUST hold data if its true you paid Rockwell and Rockwell paid M+S

 

 

dx

[Clinging_2da_wreckage]

Aaaarrgh!

 

M&S state last payment Jan 2012.

 

I then get transferred to the Department that is now handling this account and sit on hold for eternity.

 

Think I might be scuppered.

[dx100uk]

well nothing much to gain

you've proved its not statute barred.

 

as a side issue as this was from a 1996 birth

I gather there wont be any other 6yrs period where she paid nowt before M+S sold it on?

 

I would suggest that as rectums are hinting at a short settlement

that this card is littered with various penalty fess for over/late/failed dd/letter/its raining fees.

and p'haps PPI

 

might pay you to get an sar off to M+S

get all the statements

 

then lets see.

 

at this juncture I see not harm in sending rectums medical evidence

use appointment forms

hospital admission forms etc.

don't go into too much detail

let them guess by those things you send how serious it could be.

[Clinging_2da_wreckage]

No 6 year non payment stretch unfortunately.

 

Will SAR M&S would have done it already but thought it was beyond that point.

 

Also will send rectums non detailed Medical evidence.

 

Great advice as always sir or madam. Thanks again.

[dx100uk]

well neither of those are what my friends call me.......:lol:

 

nor some members here over the years...

[Clinging_2da_wreckage]

SAR sent and wife’s Medical evidence to Rectums.

 

Letter back from them re. my phone discussion about short settlement., inviting proposals on the matter.

 

So I guess I wait to see what the SAR comes up with or I suppose I could make them a 10/20 percent short settlement offer?

[dx100uk]

scan it up?

[Clinging_2da_wreckage]

Will do.

 

Tomorrow if I may cos I needs me beauty sleep.

[Clinging_2da_wreckage]

Can you please remind me how to post an image here?

[dx100uk]

click upload

one multipage pdf please

[Clinging_2da_wreckage]

Here goes

PDF Photos 2017-10-21.pdf

[dx100uk]

so they've yet to ack getting that medical evidence...

 

no more phonecalls!!

[Clinging_2da_wreckage]

Hmmm. That didn’t go too well.

Perhaps I will just type the relevant part.

 

We note from a recent phone conversation that your wife wished to explore a short settlement.

As such, we invite you to make your proposals towards the outstanding balance.

Alternatively if your wife wishes to explore the possibility of payment via monthly instalments please complete the attached financial statement by 2nd Nov 2017. Failing which you may receive further contact.

[Clinging_2da_wreckage]

Ok no more phone calls.

 

Let em sweat.

[dx100uk]

its there and readable.

 

id await the sar and if they are going to relate to that medical evidence

you did send it yes