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    • I’ve just got the same letter today with a £25 cheque. Apparently the quality of service I received did not meet standards 🤷‍♀️ I’ve not had a HSBC bank for over 20 years!
    • For a number of years a girl has been evading rail fares and giving my name and address also my daughter’s name and address and my husband’s name and address changing his name from Eric to Erica. We have contacted the police before who said there Was nothing they could do. This has happened about eight times with different rail companies each time it involves making a number of calls sometimes having to reason with debt collection agency.  When letters started arriving again with my surname wrongly spelt I returned them with not known at this address. However I then received a letter from the Bailiff with my correct spelling of the name and now also correct date of birth (previously they had the wrong date of birth) and i now know that this has gone to a court and I was found guilty even though it was not me who made the train journey. I have had to apply to the court for the case to be reopened, and I can prove that at the time I was at the opposite end of the country. The date of birth given by the offender was 25 years younger than mine so she’s obviously a younger girl. However I am worried that this will affect my DBS. I work as a carer on minimum wage and cannot afford to lose my job. Apart from which the stress and anxiety this causes every time is immense. I often have to make phone calls using higher than normal cost  0300 numbers to try to resolve this.  Surely the train company Arriva north should have some responsibility for confirming the identity of a person invading a rail fare. It seems that you can just give any name taken from the electoral roll without having to show ID. Would I have a case against arriva for putting me in this situation? It’s also confounds me that when the matter goes to court they then check on a database for the correct spelling of my name and the correct date of birth, and so the first thing that was sent to me with my correct details was the fine from the court. Previous to that there were letters in effect addressed to a different person with a wrong spelling of my surname.I know it is illegal to open letters belonging to another person. Although I suppose I could reasonably expect it might of been for me because the name was out by one letter. I certainly don’t want to pay the £250 fine. This is been going on for some five years.  My daughter has a whole file of letters.  Sometimes train companies have responded by adding a password so that when the person gets stopped they have to give a secret word. But the offender is doing this all around the country and there are many different rail companies involved. However this is the first time I believe it has gone to court
    • Hi Guys.    In 2016 I had a PDL with The Money Shop.   Due to financial difficulty I stopped paying it in January 2017.   Recently out of the blue I started receiving emails from CRS about the debt. They were duly ignored.   Within them was an email about sending me a Letter Before Claim (they didn't) as well as a couple of repeated emails about the implications of a CCJ. They have my address and I haven't moved since the debt was accrued.    A couple of days ago I received a letter from AJJB Law being very disappointed in me for not replying to CRS and telling me that their client is entitled to possibly pursue proceeding without further action.   Usually I would send an IRL claim to InstantCashLoans, but with them in the hands of Administrators that is no longer possible.   Also worth noting that on my credit file the debt is marked as owned by ICL - Trading as TheMoneyShop. This has been marked as 'Delinquent' every month since Jan 2017. There is no default registered.   So, whilst I am kind of sure that I'm still safely in the 'ignore these chancers' category, I was wondering if anyone had any advice on if I should perhaps tackle this in a different way?   Also, if the debt on my credit file is just marked as delinquent when will it fall off, if ever? 
    • These letters relate to very historic  collection/recovery "service failures" concerning current accounts, credit cards and loans   I have not had an account or debt with HSBC since 2008 My gut feeling is that it maybe connected to the use of their fake inhouse  collectors  Payment Sevices (PSB), Metropolitan and DG Solicitory but I will know more when they reply to my letter demanding details
    • Short update.Received an acknowledgement letter from PRA re SAR request. They say the will respond to my request by December 17th 2020.
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Hi Guys..My first post and i need some advice please...

 

I've attained judgement, elevated to High Court and entered agreement with The Sheriffs.

 

The HCEO called at the LTD companies address to collect payment,

although i instructed them to go to the actual place where the work was/is carried out and where i have viewed lots of assets.

 

They then called at the "asset address" some two weeks late,

giving the defendant plenty of time to move/relocate/hide/change ownership of the assets.

Not much of a surprise that there were no assets at the second address....

 

Where should i go from here ??

and are the HCEO at fault ??

and why cant i speak to the agents,

only an office clerk...

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How do you know that the "asset's" were asset's?

Have you seen the proof of ownership?

Equipment may be hired, loaned, rented, financed.

Stock may still be in ownership of the seller unto full payment is received.

Vehicles could be financed.

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Hi

I appreciate your comments but they avoid my questions....

 

I can answer yours though..

The office address is an accountants, small and only listed as the LTD postage address.

 

The place of works established 8-10 years ago, 2mill turn over, dozen employees, lots of machinery and stock.

 

I know where i'd visit to get assets. You ??

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So you can tell a car is outright owned or on finance "just by looking at it" or a piece of machinery?

 

You should email Lawrence gricks @Sherriffs office as you will make millions as a enforcement agent.

 

BAE systems turns over billions per year but does not own one piece of machinery. They also have 10's of thousands of employees. So your argument of company size/turnover is void

Name the limited company as they have a turnover of a lot of money and well established you can download the yearly returns.

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And in answer to your questions

You dont go anywhere from here

No sheriffs office are not at fault

You deal with the company you have a contract with, not their agents/employees

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How do you know that the "asset's" were asset's?

Have you seen the proof of ownership?

Equipment may be hired, loaned, rented, financed.

Stock may still be in ownership of the seller unto full payment is received.

Vehicles could be financed.

 

OP's complaint AIUI is that the HCEO never got the chance to investigate who owned the assets because when they got there the debtor had physically removed all the machinery/stock/vehicles/etc so there was nothing there for the HCEO to ask about. I don't think OP is claiming to know whether the machinery etc was owned or leased or belonged to third parties, only that it had been physically present 2 weeks earlier and had disappeared when the HCEO arrived at the premises.

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OP's complaint AIUI is that the HCEO never got the chance to investigate who owned the assets because when they got there the debtor had physically removed all the machinery/stock/vehicles/etc so there was nothing there for the HCEO to ask about. I don't think OP is claiming to know whether the machinery etc was owned or leased or belonged to third parties, only that it had been physically present 2 weeks earlier and had disappeared when the HCEO arrived at the premises.

 

Quite....you will have to start reading opening posts more thoroughly sgtbush before jumping in......this is not the first time.

 

Andy

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You miss my point.

The fact that the hceo went to registered address 1st (accountant) has "tipped off" the company with supposedly 2 million turnover for what will be a small amount comparatively and the company rushed into selling / changing ownership/ hiding assets has not happened.

 

What will of happened Is the op has "seen" all this machinery and stock and assumed its assets when they are not and its been proven to th hceo that they are financed/on hp/ belong to someone else/ other companies are involved.

 

I suspect that if the op goes back to the "asset" address the place will look the same.

 

Its not going to be an empty factory with a dozen employees wondering were all their machinery has gone.

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For what it's worth I think sgtbush read between the lines of the OP's original post where they say "Not much of a surprise that there were no assets at the second address".

 

No assets at all (empty factory unit) or no assets belonging to the debtor?

 

From what I understand the HCEO should attend at the address on the Writ of Control first - so what address did you put on that document?

 

If you want advice as to where to go next, there's a lot of questions which you can't answer as you weren't there with the HCEO - so, firstly have the HCEO provided you with a written report of their attendances, detailing exactly what happened at each address?

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