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    • If the legendary dx could offer his wisdom it would be greatly appreciated 
    • Hi there Manager for our soccer sixes team moved overseas mid season and we struggled for numbers so we told the ref about 5 weeks prior to seasons end that we would see out these games then be done and he told us he’d ’pass the message on to the relevant people’. Heard nothing, then 3 days prior to the new season beginning we were given our fixture for that weekend. Told the guy over text we had pulled out and the ref should’ve passed a message on but we were told sufficient notice wasn’t given and it needed to be in writing. I argued it’s not our fault the ref didn’t do as he said but we were countered by the T&Cs.    now being chased for what was £608 kindly reduced to £476 to pay off remainder of the season. Been sent a letter in the post from their accountancy team and told needs to be paid by Friday.   seen a lot of the other threads saying we can literally just ignore everything but im concerned about debt collections and credit score being harmed. Can anyone confirm if this all works/what we should do?   thanks
    • Hi,   I have given an official police witness statement for the prosecution in an upcoming criminal court case, and I am very anxious about what might happen.  Specifically regarding being cross-examined.  My statement is very short, and only a couple of paragraphs long, regarding a conversation I had with one of the victims.  I have tried to research online about what information about me the defence barrister might be able to find and use to discredit me.  I have by no means have a shady past but, I am concerned about what private information might be brought up, and as this is a case that will be in the national press as it is in the public interest.  The two preliminary hearings were reported in the papers.   I have tried to research  online what information the opposition can seek, but it is all very complicated.  I believe that they can legally access public records, but I'm not sure what information public records hold.  Can they access my medical records, educational history, HMRC, and Department for Work and Pensions? (I am a self employed sole trader).  I was arrested once, and this was unfortunately instigated by the victim in this case, so could well be of interest to them.  It resulted in no further action, however I have only discovered this week that that, in fact, this means I have a criminal record, and will be so until I am 100 (no chance)! This has really annoyed me to say the least, especially since I asked him afterwards why he rang the police and he said 'for a laugh'.  So I have started to look into applying for it to be deleted, but again, if anyone has any advice on this I would be appreciative. At the moment, my name isn't on the confirmed list to give evidence, but the detective I have been dealing with has said it is 'likely'. The names of the victims in this case will not be allowed to be reported, are witnesses fair game for the press? I really need no know how deep they can delve in to my life so I am prepared if my character gets assassinated in front of the nation. I really wish I'd never agreed to this.   Many thanks
    • A belated thanks dx. Yes I may take your advice regarding StepChange. I am finding that I am telling them (on behalf of my Son) the true balances outstanding? They never seem to check properly in which worries me. If I was to take on myself is there another way of dealing with various debts? I have already submitted other IRL complaints on his behalf. Today I have received a further response from Quidie T/A Fernovo confirming that they will waiver all interest paid.
    • Good evening  Case hearing this Friday 26/04. looking to have all my prep/papers ready.    just checking in to get update on my last post , ( the t&c’s attached). No name or address on them as per #49   thank you UCM  
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Unknown Link Backdoor CCJ - first national debt


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Hi and Welcome to CAG

 

So what was your complaint ?

 

History of this debt ?

 

 

Andy

We could do with some help from you.

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First National got the CCJ or the debt collector ?

 

Thread moved to Financial Legal Issues in view of the judgment.

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 OTHER

 

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Thanks so when did the debt collector get its hands on it and when did you start paying them ?

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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Sniff sniff cash cowing link again

They always claim they can charge int when they see a ccj!!!

 

It would be an interesting exercise to see if northants bulk has a copy of the ccj and the claumform. Why not try ringing them tomorrow

 

Thats over £7800 you've paid our biggest fleecer

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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Well ideally you need a copy of the original claim form to see the particulars and also a Notice of Judgment this will state the judgment amount to be paid.If there was any interest to be added first national would have included in the initial claim...a Debt collector cant add anything.

 

You pay what the judgment notice states...not a penny more.

 

 

Andy

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 OTHER

 

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Ive tried to get a copy of the ccj but ive had no joy it had come off my credit file and I was trying to get a new mortgage

 

I just kept paying the ten pound to keep it sweet.I

I was worried about them trying for a charging order.

I reckon ive paid about 500 over the original judgement

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Have you ever rung northants bulk and asked?

Do you still have record of the claim number??

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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Share on other sites

yes as i was worried about defaulting on a ccj i kept making the payments the amount left on the ccj was 1092 they added 1739 august 2004 then added further interest 2009-2011.

yes i rang and they could find no record of it

Edited by meltonmag
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You say: "yes as i was worried about defaulting on a ccj i kept making the payments"

Is this since 2011? ...or since before?

 

You say: "the amount left on the ccj was 1092"

What year was this?

 

You say: "they added 1739 august 2004 then added further interest 2009-2011"

Who are "they"? How do you know they added this interest - do you have documents for it?

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i asked link financial for a list of transactions that have been credited and debited to the account. They have sent me a print out the letter above is from them when i complained about the interest.

 

2004 1092

may 2018 1822

Edited by meltonmag
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Fleeced blind

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... 

Link to post
Share on other sites

THE OFFICE of Fair Trading will make legal history this week when it starts a High Court action against a subsidiary of Abbey National over its interest charges on hire purchase agreements.

 

The OFT is suing First National Bank, which was acquired by Abbey National four years ago, over a "standard contractual term" the firm uses in HP agreements used by customers to buy consumer items such as washing machines and fridges.

 

The OFT wants the bank to change a clause which allows it to keep charging interest to customers who have already gone to court to show they cannot keep up payments. Use of the clause can mean debts continue to grow even after a court has judged them to be unaffordable.

 

It is the first time the OFT has gone to court under legislation introduced in 1995 to enable the regulator to negotiate with companies over consumer contracts that it regards as unfair.

 

First National has refused the OFT's request to change its particular contract terms, and is determined to fight the OFT in court.

 

A spokeswoman for the OFT said on Friday: "This is the first time we have ever gone to court on this legislation. This is a big deal for us."

 

The legislation concerned is the Unfair Terms in Consumer Contracts Re

 

 

 

 

 

this was what concerned me

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i asked link financial for a list of transactions that have been credited and debited to the account. They have sent me a print out the letter above is from them when i complained about the interest.

 

2004 1092

may 2018 1822

 

That letter they sent you doesn't mention "CCJ". Did they actually sue you for the debt?

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Lets see all your and their complaint letters

One mulipage pdf

Read upload

I bet they didn't send any annual statements so couldnt charge int under fca/fsa rules anyway!!!

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... 

Link to post
Share on other sites

They have sent annual statement they have not added interest since 2011.

I have just let it lie since 2011 as I knew the judgement had not been paid off the complaint was through resolver and the letter above was their reply

 

I just asked why interest had been applied to the account

I have not mentioned the ccj .

 

I have now requested all data that they have regarding the account hoping that they might provide me with a copy.

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