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    • I hope you are my me saying that when you draft letters or documents, you should be using words and phrases that you understand and that you understand the impact of – and in that way you will be confident and in control. If you simply cut-and-paste stuff from other sources that you don't really know what they mean, then it will look as if you are making up as you go along – and you will never have confidence in what you do.
    • The letter has far too much in it – some of it is not relevant – and apart from anything else, if he didn't comply with the various things that you are saying, you wouldn't know what to do about it. The best thing to do is to keep it simple.    
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    • Hi Everyone, hope you are all keeping well in this strange new era.   On the 17th Sept, my friend booked a delivery to send a parcel to the USA, a vintage sewing machine. The collection and delivery was booked through MyParcelDeliver.Com, and UPS was the chosen courier. They collected it about four days later.   He paid for additional insurance along with the transportation of the item, to the tune of £128.75.   He packaged the parcel very well, packed with bubble wrap and paper and also styrofoam so that the sewing machine was safe in the box. He placed some plastic wrap over this, and he then sealed the box with tape. He videoed this for the buyer, so she could see how well he had packed the item because they were both concerned about the package being well protected.   The item arrived in the USA a few days later. The buyer instantly notified my friend that the parcel packaging was damaged, showing stress from water and general mishandling, and the item was also damaged in various parts, mainly the casing and the base.   He complained to MyParcelDelivery.Com on the1st October, they responded with 'You need to contact UPS...', which he did and also the buyer contacted them and got a response on the 2nd October.   UPS informed the buyer they would like to come and take a look at the packaging and the item, and this is the last she heard from them, she has called them several times, and always they say someone will call tomorrow and no one calls. She called my friend to ask if he could call them too and chase them up, he is Italian, and though he speaks English generally well, he asked me to talk with them on his behalf because he felt they were not listening to him or that he was missing something.   I spoke with them on the 26th October, they said they had sent my friend an email about this, we checked all of his emails, junk/spam too. There is nothing in there, I asked them to resend it, but nothing has appeared despite them saying they have sent it, we know they have the correct email address because they sent a message on the 2nd confirming they are looking into the claim of a damaged package, they also said they were planning on calling the seller 'again' on the 27th, which of course never happened, which she confirmed with me on the evening of the 27th.   Now it would seem to me that MyParcelDelivery is trying to say it has nothing to do with them, despite the booking being made through them, UPS US are pretending they are doing something but have so far done nothing, and we have heard Zilch from UPS UK.   I would like, if possible, some guidance on how to go about getting this resolved because this is just not right, the agent/courier have had their money, but the seller and buyer have been the victims of poor service and damaged goods.   If anyone could point us in the right direction on how to tackle this and get some redress for this, then I would be most grateful.   Thanks and kind regards   Mr B                 pox.pdf
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
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2 ccjs we didnt know about found on credit file at old address


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Hi guys I'm new here & after advice, hope this is in the right place.

 

My husband has quite a lot of debts,

he was on a DMP with stepchange until the end of 2015 when he lost his job & put it on hold

we moved house a month later & although I think he informed stepchange he didn't inform the creditors

 

He's had a few letters here at the new address & has just recently got a ccj,

sent admittance form,

offer of £50 was rejected

 

court decided the amount £78 per month,

which he will pay,

 

last night I checked his credit file with noddle & was shocked to see 2 active ccjs,

one from October 2016

the other September last year,

 

our old address is on them & we had no idea about them as the letters were obviously sent there,

 

the creditors oddly on the page where it says the debts are defaulted states our new address though, one debt is £7500 Barclaycard originally

 

& the other i think is originally Halifax for an overdraft of £4400.

 

I'm worried sick & don't know what to do,

it's bailiffs that are worrying me the most .

 

Can anyone advise what we do next please

 

Thanks in advance

Edited by Andyorch
Paras
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Hi and Welcome to CAG

 

I have moved your thread to the appropriate forum ( .Financial Legal Issues Forum)..please continue to post here to your thread.

 

Regards

 

Andy

We could do with some help from you.

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Were these two debts with the backdoor CCJ part of the DNP?

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

 

If you want advice on your thread please PM me a link to your thread

 

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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you shouldn't blindly be admitting debts by sending back the claim admittance form

who says its even enforceable?

 

as for the 2 backdoor CCJ's

go ring stepchange and ask them what address they have registered for him for both dates

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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We assume the debt was enforceable as he owed this,

it's not statute barred and so after getting the court papers thought it was what he should do

 

It's the other ccjs I'm most concerned about as we had no idea of them & are now worried about bailiffs turning up & are unsure of the next step

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even if they did it would be court bailiffs who to all intent and purpose are your friend

don't get scared by silly cant pay wont pay TV programs

your CCJ are as the result of default ignored judgements on consumer credit cover by the consumer credit act

there is NO entitlement to forced entry on those.

 

just because morally you THINK you owe a debt

that NEVER EVER means you should ADMIT to them!

 

have rung step change yet?

 

 

 

always defend all and put the claimant to strict proof via CCA/CPR to produce enforceable paperwork!

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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Husband is working till late so I've emailed stepchange as they can't give me info as it's in his name

No reply as yet

Thanks for your help so far

 

Also forgot to mention that 2 weeks ago a man came to the house twice,

Saturday morning around 9.30,

 

he had shirt, trousers & lanyard on & was carrying a Filofax thing,

 

husband was in bed as worked late & I didn't answer,

the guy was quite persistent with the knocking & looked up to the windows as he was walking away & sat in his car for a while before leaving,

 

he came back Monday 6.30pm, same persistent knocking,

I was home with youngest child but didn't answer again,

 

no card or note was left,

we thought it could be a general debt collector but am now concerned it was a bailiff

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