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    • As I recall the only thing you tried telling us was based on a quote that you selectively edited by Lord James of Blackheath. You misrepresented it as a statement of fact when it was actually a question which was laughed at by his peers in the House of Lords.  We told you it was garbage, you asked us to prove it and we did.   Remember?
    • you need to realise that for every person that does come to CAG and register and tell their story...there are poss 10'000 that don't but search the interweb whereby threads that are here pop up relating to like issues they are searching upon.   Most CAG siteteam and many other registered Caggers give advice that bears this in mind and post information which not only informs the starter of a thread upon what to do, but also takes into consideration the readers from the interweb that also read the relevant advice given that might not be brave enough to register and fess up.   to that end, there is very little alternative than to appear to give 'grief' [you deserve it - tough] to a cagger should certain previous advice not have been followed.....yours is a very classic case of such. hey I've found a backdoor CCJ.   to put it bluntly, had you have followed such previous advice, you most certainly would not be in the situation you are in here now.. .so by example, not giving you grief, for future readers...………..   ...never ever move without informing a debt owner of a move of address on any consumer debt that you last used or paid within the last say 7yrs. your credit file is a major key to ascertaining that information.... .but don't just read this advice come to the consumeractiongroup.co.uk website and let us help.   lecture over... what can you do..or more importantly....what can a claimant do now they have a default forthwith judgement against you. well we can't guess.... they might simply ignore it as 1000's of people with CCJ's find out..but it becomes an issue should you wish to say get a mortgage, remortgage or further credit.   i'm not going to enter into any of that here...that's for the reader to start a thread here and seek advice on their individual situation specific to them as you have done....   so...  bearing the all of the above in mind...over to you with regard to this backdoor CCJ.   as for the other debts that you didn't action before...go read your old thread and action what appropriate advice is given there for each type of debt that has been given should you wish to avoid any further backdoor CCJ's.   dx                    
    • hello my very good helpful friend. I am afraid to say that i did not. As i did not realise the relevance of it.   Should i be doing this right now of anyone on my credit file ?   Plz don't give me grief if u have already advised me...   do i do the ccs request now to everybody in that thread ?    
    • aha busted and stupid ...no wonder you've got mixed information here. never trust anything they say ..they have a very bad reputation for stating the truth.   now can you go get your credit file please..   there are cases whereby a council on historic CTAX debts do go for a county court CCJ, but a liability order from a magistrates court has far more clout legally than a county court CCJ and i've never heard of a court sending a bailiff out for 'multiple' CCJ collection.   me thinks he is pulling the wool here a bit and has looked at your credit file and seen CCJ's too so thought he'd chance his arm and use those as further leverage.   don't worry about the sat visit simply ignore do not answer the door if he appears. your task is too gather data at present.   credit file please..        
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linz17

Sudden Activity from Debt Collectors

style="text-align:center;"> Please note that this topic has not had any new posts for the last 592 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

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I received a letter in January this year from 1st credit, I replied with a request for CCA.

 

They have now after 4 months written & said that M&S have now the original debt back & Ist Credit will not communicate further (I thought these companies buy the debt,then sell on etc)

 

By same post there was a letter from Intrum, again I will ask for an original copy of the credit agreement.

Then a really curt letter from Rostons solicitors, re another small debt.

This letter states that I MAY NOT ask for the original agreement.

 

These debts came about when my husband became so ill that I had to retire from full time employment, he is also in receipt of enhanced PIP.

 

These debts have been sold/re sold resulting in letters from various debt agencies claiming to own the debts.

Is this correct that I can no longer request a CCA?

also please can you advise me if it is only because the debts are into their 6th (or more) year that I have all this activity?

 

Many thanks

Edited by dx100uk
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It may well be that because they are about to become statute barred – that everybody is getting excited. In terms of the depth which you apparently may not apply for a CCA, it could possibly be because of the type of debt. Tell us about that debt


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1st Credit and Intrum are now one and the same.

 

https://www.intrum.co.uk/

 

With regards Restons that sounds like a PAP letter...read here..

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?481827-The-Pre-Action-Protocol-for-Debt-Claims-is-made-by-the-Master-of-the-Rolls-as-Head-of-Civil-Justice.-1st-Oct-2017

 

 

You can and always be able to request a copy of your agreement...its the law...CCA1974 sections 77/78/79

 

 

Andy


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your posts are rather confusing because you are mentioning several debts in one post.

 

it might be better separate these debts out in to individual threads in the forum of the name Original Creditor and post everything to do with that debt there.

 

dx


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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Sorry.

First debt is M&S which after I requested copy of cca has been passed back to M&S from Intrum (it had done the rounds through various agencies.)

 

Second is Next that is the one I have received from Debt Manager Services, with the covering letters from Restons telling me that I cannot apply for a CCA

 

Third is Bank of Scotland from Intrum - which I will request a CCA for.

 

The one that bothers me is the Next debt with letter claiming Pro Action Protocol, as I KNOW there is no CCA

 

All these debts do not total 3k and they are all coming up to the 6 years period??

Many thanks

Edited by dx100uk
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now, a reconstituted contract is fine for things signed online or any format after 2007 so they are wrong regarding something agreed in 2006. you are entitled to see the original.

 

The real question is who owns the debt?

 

If it is still next then you write to them with a CCA request and copy to Restons pointing out that this is pre 2007 so a full signed copy is required to fulfil the requirements of the CCA.

 

As for the BOS, was that a loan or credit card?

 

If it was an overdraft there will be no credit agreement so not under CCA

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BOS is a credit card,

Next a store card.

M&S also credit card

am I correct that all require a CCA?

 

The Next card is pre 2006 def. and the letter from Restons refers to Debt Managers Services ltd, who purchased the debt from Next, they include a statement of Account covering 12/4/2017 to present which means nothing as the last payment to next approx 2006.

 

Also they refer to a date of obtaining the account''on or around July 29 1991'' which is a blatant lie, I have old statements showing the card used from 2006 only.

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Yes all require a CCA

 

Please start a new thread now for the next debt!!

VERY important!!


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

spreadsheets 

 

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