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    • 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..        
    • Hi there, the company name on the bit of paper is:   Bristow & Sutor   Says the total amount £990.49 and this includes £235 enforement stage fees,  The CTAX was owed to North Tyneside Council. The guy also said that it wasn't just for CTAX. Other debts were combined.   I did leave other debts behind too when I moved. Perhaps a utility bill, credit card debts and a Provi doorstep loan.   I think the guy said that he would be back Saturday too. This is what I'm trying to avoid multiple visits. Don't want my mam to get upset.   Thanks for the help.   Bear
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Juneplum

The FOS failing to make a final decision

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An ajudicator made a decision to uphold my case 4 years ago, however the business appealed the decision.

 

After constantly chasing the FOS over a period of 3 years and numerous missed deadlines,

six months ago an ombudsman made a provisional decision again in my favour,

however I was stripped of costs which the adjudicator had awarded.

 

To date, no final decision has been made, and the pattern of broken promises for deadlines, and constant chasing them for a final decision is still ongoing.

 

What can I do to get them to make a final decision after 4 years of the stress of this case and struggling to survive financially?

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Hello and welcome to CAG.

 

I've moved your thread to the FOS forum and left you a link to follow from the Welcome one.

 

people should be along to advise over the course of the day.

 

Best, HB


Illegitimi non carborundum

 

 

 

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Begin by sending the FOS an SAR and also set out the whole story for us here


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My case is regarding mortgage mis-selling in 2007.

When I found this out, I submitted a claim to the FOS in 2014, an ajudicator upheld a decision in my favour in 2015 to put me back in my original position before the mortgage mis-selling.

 

The business appealed the decison, and that is when the FOS procrastination began.

They gave me numerous deadlines as to when my case would be concluded, none of which materialised.

 

Finally after a seeing a program on national TV Dispatches Undercover: Who's Policing your Bank, I contacted them and I received a Ombudsman provisional decision in March, 2018. Once again the same pattern of chasing them and them given broken promises and missed deadline has resumed.

 

I waited 3 years to get a provisional decision.

I have already submitted an SAR, and have only seen 3 emails from the business in 2016, none of which had any new evidence.

Are they in which I can get them to issue a final decison, without having to wait for another 4 years?

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This is very surprising. Please can you tell us more about the SAR – when was it sent, what did it produce, that it really only produced three emails? Did they say anything about other data which they held but claim some sort of privilege for?

 

Who is the complaint against? And please will you tell us the entire story about the mortgage mis-selling


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Are you able to give any specific advice as to where I could take this matter to next?

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Yes. You could start by answering the questions which I have asked


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If a case is upheld by an ombudsman and you are not awarded all your money plus costs from a final decision by the ombudsman.

 

Can you sue the business in court for the balance?

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yes


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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In February 2014 there was a ruling by the Court of Appeal that a complainant cannot accept a redress from the FOS and then go on to take the business to court for additional redress over the same complaint. Are there any further update to this case which concerns Barry and Julie Clark regarding In Focus Asset Management & Tax Solutions?

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