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    • p'haps not the best thing to do just use the N244.and the ex160 let them sort it out don't complicate things..   don't worry about the bailiffs there isn't really anything they can do there is no right of forced entry upon consumer debt CCJ enforcement.    
    • again you appear not to be understanding things.....   a default does not go statute barred - as carefully explained in post 4....once it reaches its 6th birthday it along with the associated account will be removed from your file. that happening has no effect on the debt itself. it does not mean it is no owed.    your debt is NOT statute barred it has a CCJ . should the claimant fail to enforce the CCJ by it's 6th birthday, when, as with a default, it falls off your credit file, then they would need to return to court to do so. and again that happening has no effect upon the debt itself.   they both operate under the same ICO rule, quoted as in post 4..   All references to a defaulted debt must be removed from your credit files after 6 years  has passed from date of default, whether paid off, paying now or not.  . This is so that someone who continues paying something  - even after 6 years from default  - should not be at a disadvantage to someone who pays nothing after default  and ends up with a clean file after 6 years. 
    • Pleased to say that the default has gone from my credit report due to being SB. My Experian credit score is now 978 out of 999 and excellent. Experian doesn’t show my 2 x CCJ’s. Equifax’s shows just 1.    my question is this.... clearly the debt is still owed for the SB debt, the CCJ is still live until June next year.   Can I make an offer of 10% to settle the debt now that it’s SB? If so is there a letter template that I can send to them to make such an offer?   thanks in advance 
    • Your position is not untenable in any way. You have already mitigated partially any impending disaster by opening another non Paypal linked bank account so they cannot arbitrarily seize what they want.   First thing to remember you are in control here. Whatever you offer to pay them must be something you can reasonably afford even if its only a pound a week and you must pay it to Paypal. If like me they freeze your account then there is no way you can reasonably pay them. They are not going to give you another account to pay it into.   The reason I got into difficulties with them was because I had recurring large payments being made to a supplier of mine which continued after I was rushed into hospital for series of emergency operations. When I came out of hospital Paypal had simply frozen the account which I discovered when I tried to pay money into it to alleviate the huge deficit that had accrued. So I paid nothing of what I owed. I received about 4 or 5 threatening missives which I ignored as well as any phone calls. I tried for several months to make payments into the account and in the end I gave up. Despite all the threats nothing actually happened.   If you read all the answers to your posting as well as all the other Paypal posts I doubt you will find any evidence of Paypal doing very much to enforce outstanding balances and funnily enough they do not make it easy for those that wish to repay them as I discovered.   So stop getting yourself into a flap over something that is very unlikely to be nothing more than a storm in a tea cup.   Make or start you offer to re-pay them at a figure you can easily afford then forget all about them except to make your regular payment if you can still do so.   DO NOT under any circumstances get yourself deeper into debt over this.
    • she certainly hasn't any authority to 'fine' you. what was in the contract regarding vacating the property by when?  
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Hello,

 

I wonder if someone could please help me with this?

 

I had TalkTalk as broadband provider back in 2011. I moved property back in June that year, informing TalkTalk by phone that the landlord agreed to continue with the service and we just wanted a change of name.

 

On the 06/06/11 I was provided via email with a change of name form, which we sent via Royal Mail following the procedure that the retentions advisor suggested and paying for all my account balance, canceling the direct debit.

 

My Landlord, who moved back to the time to the property made calls to India (so I knew it was him) and realized that they never changed the ownership of the account, even when I called them months after the mistake, indicating that the form could have probably been lost in the post.

 

Ever since, I've had a series of collection agencies trying to get the money back, to all of them, I;ve explained the same story over and over again until the last one with Moriarty Law, the ones that are now threating me to take me to court if I dont pay the inflated amount of £208.93. I do understand that these companies just buy the debts in a desperate attempt to get money back.

 

I did explain on the phone that I don't owe anything to TalkTalk and how it was possible for them to keep chasing me as I understand that this should be categorized now as barred?

 

I wonder if there's anything I could do or hit them back? I hate people like this chasing me for something that I've already explained, declaring that if they didnt change the name on the account it was their problem not mine and they are chasing the wrong person for the debt.

 

I think after 7 years I've had enough of clowns chasing me for this and believe now that this is an unlawful practice under the limitations act? Can I now take them to court for harassment opening a case in the small claims court?

 

Thank you beforehand for any help you can provide me with.

 

Kindest Regards,

 

GB

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Well it is statute barred so they can threaten whatever...simply file away their threatogrames and dont converse with them.

 

There is a statute barred template letter you may wish to send them in our library...but personally I would just ignore them as this normally creates letter tennis and is counter productive...they are fully aware its statute barred without you having to tell them....and why spend money on a court claim to simply reiterate the obvious..you dont need the stress.

 

Regards

 

Andy


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Well it is statute barred so they can threaten whatever...simply file away their threatogrames and dont converse with them.

 

There is a statute barred template letter you may wish to send them in our library...but personally I would just ignore them as this normally creates letter tennis and is counter productive...they are fully aware its statute barred without you having to tell them....and why spend money on a court claim to simply reiterate the obvious..you dont need the stress.

 

Regards

 

Andy

 

Thank you for the explanation Andy.

 

Will ignore them now

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Well it is statute barred so they can threaten whatever...simply file away their threatogrames and dont converse with them.

 

There is a statute barred template letter you may wish to send them in our library...but personally I would just ignore them as this normally creates letter tennis and is counter productive...they are fully aware its statute barred without you having to tell them....and why spend money on a court claim to simply reiterate the obvious..you dont need the stress.

 

Regards

 

Andy

 

 

Hello Andy,

 

Today I have received a Judgment for Claimant (In Default). The letter is dated 14 May 2018, but only received this morning after opening my post from yesterday.

 

They basically say that I have failed to reply to the claim form, but I didnt have one, maybe because my post is being again redirected to my new place where I moved to less than 2 months ago.

 

They say that I need to pay to the claimant the total sum of £230.93 and that the first payment by installments of £50 needs to reach the claimant by the 13th of June this year.

 

I rang the County Court Business Centre and explained that I never had a claims forms, they asked if I did want to go to court and wanted to defend, then it would be £55 to be paid on my side.

 

Again, the only conversation I had with them was by Nov/Dec last year, informing them that I didnt have to pay that and that I don't owe the money. I can't believe that they started court proceedings for these amount of money.

 

On the notes to the defendant it says that if I pay in full within one month I can ask the court to cancel the entry on the register. This is ridicolous, I am buying a house soon and I need a mortgage.

 

May I please get some help with this?

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So the Notice of Judgment managed to find the correct address but not the claim form....strange :-)

 

Its £255 to make application to set a side using the N244 Application notice..not £55.

 

The debt was statute barred before issuance of the claim ...we assume ..you will have to confirm.

 

Have you asked MCOL for a copy of the claim form ?

 

What do you wish to do .....£255 to set a side or pay or pay £230 in full by the date stated and be shot of it......?

 

 

 

Andy


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So the Notice of Judgment managed to find the correct address but not the claim form....strange :-)

 

Its £255 to make application to set a side using the N244 Application notice..not £55.

 

The debt was statute barred before issuance of the claim ...we assume ..you will have to confirm.

 

Have you asked MCOL for a copy of the claim form ?

 

What do you wish to do .....£255 to set a side or pay or pay £230 in full by the date stated and be shot of it......?

 

 

 

Andy

 

 

The Claims form surely went to the previous address where I redirected my post. In the last 12 months, I left the property where I lived for 4 years and the one where Moriarty Law has been contacting me on. I never informed them of the place where I was living. The letter surely went to the house of a friend of mine where I lived until a couple of months ago. I called Royal Mail to make the change. If the claims form went to the previous address, can I still do something with it and use it as proof if it remains unopened?

 

When I firstly wrote this post, the last letter I received from Moriarty Law (27/04/2018) said, "as you are aware we recently issued proceedings against you" and that they were instructed to enter judgment 14 days of the letter, but does not mention anything about the claim form.

 

The guy confirmed on the telephone that the debt is from 2011. I haven't paid anything to them or admitted that i owe the debt to them or many of the other collection agencies who in the past contacted me for this.

 

I haven't asked MCOL for a copy of the claims form no.

 

Are these my only two options availble? 255£ to set aside and possibly ask the judge to have the money back, based on the basis that I never received the claims for or paying in full a money that I don't owe (£230.93)?

 

Regards,

 

Giancarlo

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Issued proceedings is a claim form and enter Judgment is a CCJ...so in reality you should have been aware there was a claim form issued.

 

Opened or unopened the claim was served...the court accepts good service is served to a last known previous address...its your responsibly to either inform any creditor or debt connection of your new address and redirection is simply not reliable IMHO.

 

The debt is Statute barred as you have confirmed above ...so that would be grounds to set a side...the mix up in address is not unfortunately.

 

Looking at it pragmatically the judgment amount is £230.93..the application fee is £255 (unless your on benefits and exempt from fees).

 

If you successfully set a side and the court accepts defence on statute barred basis you can request the fee of making the application back as costs.

 

There is a further option and that is to inform the Judgment claimant that you intend to set a side and claim the fee and costs...and would they be willing by Consent Order for them to set it aside ?


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Hello Andy,

 

Can you please explain the last point please?

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Ring Moriarty Law inform them you have received Notice of Judgment on a claim form that they served at your previous address with full knowledge of your current address (on the Notice of Judgment)...that the debt was statute barred before they issued the claim.....and its your intention to make application to set it aside and claim fee and costs...on the alternative would they be prepared by consent order to set it aside (they pay for the application) ?


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Hi Andy,

 

On the notice of judgement it also shows my previous address, not the current one.

 

Should I provide Moriarty Law with my current address under any circumnstances to make them aware that they have been sending all the correspondence during this time to a different address?

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So was the Notice of Judgment redirected or posted direct from Moriarty Law


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So was the Notice of Judgment redirected or posted direct from Moriarty Law

 

It was redirected as well. I have not received the claim form or the notice of judgement directly.

 

All what I did it was changing the redirection to my current address that's why I'm saying that the claims form could have gone to my friend's address as I haven't got anything on me apart from the communications I've just specified.

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Well sound them out....if they are not interested in a Consent....then go ahead with the application...but they will get your address then.


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