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    • Thank you BankFodder    Please can Andyorch advise me how to make the application and what to attach I will send this off tomorrow after 3pm, I can post up the final version here of what I need to send and send this on Monday if I know what I am required to do and what I now need to send to the Court to deal with this matter fully   Thank you so much to you both
    • I think you should probably follow the approach suggested by @Andyorch who is probably more up-to-date on these things and I am
    • Hi, we have managed to agree terms with this creditor, thankfully and finally.   Now we face another problem...my husband was declared bankrupt in 2018 by another creditor. Long story short, it's now in the hands of a trustee.  They have apparently completed a driveby valuation which is higher than the first creditor mentioned previously so the trustee believes there is more equity for them to take.  Our property is leasehold with a 54 year lease so tricky to value.  We made an offer based on the first creditors valuation which was rejected by the trustee because, guess what, their valuation stands. So, I am now fighting again to save our home. Is there anything we can do to challenge the valuation and suggest the equity isn't as high as they think it is? Will a trustee be brutal enough to effectively push us into a homeless situation during a global pandemic because raising the funds they are seeking, is somewhat out of reach? Any help is gratefully received. Thank you.
    • Hi Andyrorch and BankFodder   I have just read up the posts, I am confused as to what to do, please can I be advised which route to go finally and how this is done, based on the advices to date.   I will be able to look into this tomorrow as I am off work most of the day tomorrow after 3pm   Thank you
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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.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Hi all,

 

Bit of back story to my questions:

 

I'm a director of a webhosting company, and one of our payment processors we use is called Payza, which is similar to Paypal and very useful for people who live in countries not serviced by Paypal.

 

Around about the 21st of March, the U.S. Department of Justice (DoJ) has filed a lawsuit against digital payment processor Payza for allegedly operating an unlicensed money service business that processed more than $250 million in transactions.

 

Now looking at Payza's structure, they operate under several shady layers it seems. The company uses terms such as "servicing" companies, but all are ultimately falling under a UK Ltd company called MH Pillars Ltd.

 

MH Pillars Ltd has had a few address changes recently, but now the latest registered address for them is an accountant's office.

 

I tried to withdraw funds from our "ewallet" on the 21st of March, and a few small transactions went through, now I have nearly £5000 still stuck in my "ewallet" and the site is not allowing withdrawals. Each day the withdrawal requests remain "Pending" with a due date that just keeps on extending.

 

Their support team no longer respond to emails, and they are not active on their Social Media accounts on Twitter and Facebook anymore.

 

Anyone have suggestions please? What are the merits of sending a LBA to their accountants, and then a county court claim to their accountants as well? Would I just be wasting my money as accountants could just turn around and say nothing to do with us!

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Looks like they're going under, so not much hope to get anything out of them.

However, move fast and you might get lucky if they have any asset.

Providing the MH Pillars are indeed responsible for your money (possibly not as they know how to use loopholes), you should use the address recorded on companies house to serve pre action letters and ultimately a court summon.

You need a lot of luck imo.

My thought is that they would deny having anything to do with your money.

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If you are going to bring an action, I wouldn't send an LBA. I would simply issue the claim and then put in for the default judgement immediately it is allowed. Then begin enforcement proceedings. Of course you realise that you may not get any of your fees back I think it may be the best chance to move up the list of creditors.

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  • 3 weeks later...

Just an update on this [problem] of a company.

 

I issued claim form against MH PILLARS LTD to their registered address.

Received claim form back from court with a letter from accountants at registered address saying MH PILLARS used their address for companies house without their permission.

 

The subsidiary company, DAMARAS LTD, also fraudulently registered at same address, has no directors, the last one Firoz Patel resigned just after the Americans put out an arrest warrant for him.

 

Suppose I have no options now but to swallow the fact I've probably lost £5000. I was thinking of emailing the email address given out by american DoJ inviting people who are victims of Payza to contact them. don't have any other address, as he is on the run in Canada anyway it looks like it.

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  • 1 year later...

test

 

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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Thanks dx.

 

a little update on this.

 

Court awarded me a CCJ against this company, and I've been chasing them for a year now. Registered address changed to a lawyers office in London.

 

I contacted this law office numerous times, and eventually one of the directors emailed me back and confirmed Payza was indeed their client and that they were not aware of any CCJ.

 

I sent him all the court papers as well as a copy from Trust Online about a month ago.

So far the lawyers have ignored me further.

 

Now I'm looking at a way to perhaps do a third party debt order against their bank account. I

I know they had money in the bank account.

The director had since been arrested in America after my CCJ against the company.

 

Am I correct in thinking I have to pay the fee and it gets added on to the CCJ amount?

 

I'm about 75% sure I know what banks they were using, but don't want to waste the money on fees to be told they don't use that bank.

 

Is there a way to get their lawyer to say which bank they use?

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Hi

 

 Just had a wee look at this and I think if you have not already done so you need to inform the following and keep a good paper trail as you are doing:

 

1. Police/Action Fraud (get a Crime Ref Number).

2. Trading Standards.

3. FCA (as Damaras Ltd, Trading as Payza.com had there EMD Revoked by FCA on 12/07/2018)

3. Companies House (as they are looking at a Proprosal to Strike off MH PILLARS LTD

 

Companies House link - MH PILLARS LTD: https://beta.companieshouse.gov.uk/company/06243643

 

Damaras Limited has simply changed its name to Peridea Limited but it is still the exact same company number 8029472 and Address

 

FCA - Damaras Limited: https://register.fca.org.uk/ShPo_firmdetailsPage?id=001b000000m4IXPAA2

 

Companies House link - PERIDEA LIMITED: https://beta.companieshouse.gov.uk/company/08029472

(go to bottom of webpage and look at the previous company names)

 

PERIDEA LIMITED above I can find nothing in searching the FCA (so let the FCA know this is Damaras Limited as the FCA revoked there EMD) and if this new company is actually registered with them)

 

 

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