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    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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CCJ - pay within one month


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Hi all,

 

 

I had a CCJ issued against me on 26th April,

I contacted Shoosmiths LLP who were acting on behalf of client and agreed repayment terms over five months.

 

I am now in position to repay the debt before the 26th May,

i checked with the court this morning and they agreed that if that happened then i can ask the court to cancel the entry on the register (they stated that normally the claimant will notify them).

 

Tonight i phoned the automated payment line where a message says that they cannot accept payment to clear outstanding balance unless agreed in writing, this now worries me that i will not be able to get this done before the 26th May.

 

I will contact Shoosmiths in the morning but does anyone have any thoughts??

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you should never ring anyone let alone a fleecers solicitors

 

who was the original creditor

what type of credit

when did you last pay the OC

why did you not defend the claim?

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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The original creditor was Rentsmart and it was a computer lease through PC World (never ever do that again even if i could), Shoosmiths look like they're affiliated to Rentsmart. I paid first installment 2nd May. Had little to defend, my own fault led to it going to a CCJ which is a lesson learnt.

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no rentsmart don't so court this will be a fleecing DCA

who are shoo's stated client of the claimant on the CCJ.

but anyway just pay it

and the CCJ should not appear.

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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They are not entitled to refuse payment. Luckily because you've been here since 2008, you have read our customer services guide and you have implemented all the advice there and you have recorded the call. That's great because if anybody later on tries to deny that you attempted to pay, you will have the recording as evidence. This is very important.

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Hi BankFodder, thanks for reply, i am just looking at the letter that they sent out confirming the payments and that again states in the 'Ways to Pay' attachment:

 

"All payments made via these services are only accepted in reduction of the outstanding balance and not as settlement unless otherwise agreed by us in writing" (the bold bit is as it is in the attachment.

 

Part of me wants to just phone the automated line and pay the amount it says in the letter but i am worried that it will be bounced back and then i will go over the one month limit.

 

i am also a little concerned that the judgement is for £680.62, i have already paid 130.40 at the start of May, their letter to me says that for the next four months i will monthly payments of £131.40 with next being due 31st May and that they will contact me approx four months from date of letter to review account.

 

My simple math is 4 x £131.40 = £525.60, add on the £131.40 already paid = £657 which leaves £23.62 outstanding??

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You dont need to put it in writing. They cannot refuse to accept any payment to the debt. Including making it in full.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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send it by bacs why the hell use their line!

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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Knowing shooesmiths they say not to pay in full so they can actually get a CCJ on your file. Pay before and one isnt entered. They are that vindictive, they always want to make sure you are knackered for a long time after paying it off.

 

As dx says, just get their bank details and pay it online.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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oh and rentsmart always levied compulsory PPI

go reclaim it..

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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Knowing shooesmiths they say not to pay in full so they can actually get a CCJ on your file. Pay before and one isnt entered. They are that vindictive, they always want to make sure you are knackered for a long time after paying it off.

 

I think that this is unlikely

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unlikely but there have been a few reports of it. I could be completely wrong too, but it is rather suspicious they refuse to allow people to pay in full without prior permission.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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