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    • Ok, so just been to see my friend, she still has her head firmly in the sand and had a pile of unopened post, thankfully nothing serious apart from this case!    In answer to your question it says N24 General Directions Order at the bottom of the page, then on page 2 where the line says "As a result of an order made on the 1 May 2024, this claim has been transferred to the county court at ##### (friends local court) " this is N271 Notice of transfer of proceedings.  Within the stack of letters I found 2 from Kearns Solicitors,    02-12-2022 Document pack with covering letter stating under the s78 CCA please see enclosed  1) A copy of the executed Credit Agreement, 2)  A copy of the terms & conditions 3) A copy of the varied terms & conditions applicable at termination / assignment, and  4) A statement regarding the conduct of your account as requested by s78(1)(a) to (c)  (Would you like me to describe the documents attached?)   18-02-2023 Generic letter asking for her to contact them to discuss settlement or they will take to court for further legal action. 
    • well you made the cardinal sin by phoning these scammers at least once so their persistence could go on. however you are new so there you go. you never ever ever phone any of these likes of scammers on these fake schemes that seem plausible.  just like a DCA chasing any old debt .. they are NOT BAILIFFS and have  ZERO legal powers to actually do anything. dx  
    • Okay understood now just based on personal experience how long does this go on for 
    • civil recovery schemes run by the likes of RLP DWF etc etc are a scam. totally IGNORE EVERYTHING. no if's or but's dx  
    • I’m 17 years old and Received 2 letters from dwf with my name spelt wrong and they are asking for for £230.40. I rang dwf civil recovery the first time upon taking advice from citizens advice to explain to delay to deadline as I was in the process of receiving advice which wasn’t much help. When that deadline was done I then called again to delay the deadline as I’m struggling financially and it’s lot of money they are asking for and I tried to dispute the cost to which they said okay we will delay it another 7 days for you to dispute the cost but I asked them how do I dispute this to you or Sainsbury’s and they said “we can’t advise you on this matter” I’ve read a lot of threads saying to ignore them but I was unsure now as I’ve made contact and have tried to dispute the payment and pay it which might mean I have admitted. Would they just persist harder and take me to court eventually or file for a ccj.   I would like to ignore them still but I would like to send a strong email so they know I’m clued up and then ignore them. I also want to pay the reasonable amount and get this matter solved. any advice on the law or similar situations are helpful when I called them I asked for an itemised bill. £101 stolen goods  ( supposedly caught me because they watched me on cctv over the duration of the week) also why did they not stop me in the first day. £20.40 recovered goods £150 security costs     Thank you 
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ccj challenge help


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Admin please move post if in wrong section.

 

I am posting in response to an ccj in 2014,

 

i wish to challenge the validity of ccj,

as i received a claim without a stamp seal,

no claim number and issue date was not completed

also amount claimed was not filled out.

 

What is procedure to challenge this

 

also need to speak to mydeposits as they released deposit without any contact to myself.

 

Also as deposit was reclaimed the amount on claim form submitted for ccj would be incorrect amount.

 

I await your replies and help. Thanks in advance.

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Please post the claim form and also the judgment here in pdf format

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a landlord took you to court?

tell us the story

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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thread tidied moved to general legal forum

 

dx

  • Confused 1

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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" i wish to challenge the validity of ccj, as i received a claim without a stamp seal, no claim number and issue date was not completed also amount claimed was not filled out "

 

So your not going to upload the above then we can advise why its invalid ?

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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" i wish to challenge the validity of ccj, as i received a claim without a stamp seal, no claim number and issue date was not completed also amount claimed was not filled out "

 

So your not going to upload the above then we can advise why its invalid ?

 

I will do dont have access to scanner at the moment so will take picture of document and convert to pdf then upload

 

a landlord took you to court?

tell us the story

 

Well i never went to court for ccj all i was sent claim form and then a ccj was registered against my name.

 

which details should i remove or blank out before uploading claim form ?

Edited by dx100uk
merge
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anything that can pers ID YOU or them or the case & any ref numbers/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

so in terms of the process

you got that may 2014

did you receive that at an address then you moved or what.

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

Oh dear

So you then moved on without informing him of your new address?

And everything went still to there?

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

I Doubt it had access to post as upstairs tenant was my friend and hallway was communal,

also i was still there when this claim form arrived around march to april 2014 and i vacated property around may 2014.

 

Never received any further letters or notices

also the claim form i received was a photocopy sent from estate agents

i never received any official documentation from courts.

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Thats not a claimform

Its what he might be doing

 

I thinking you should ring northants bulk and ask for a copy of the claimform and the ccj

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

pers we always recommend ringing

you get a human and its directly in your inbox within a couple of hours

but you've no rush as such

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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  • 2 months later...

sorry for late update.

 

here is reply from hmc

 

Thank you for your email dated 30th August 2018.

 

Due to the time period in which your claim was issued and served being 4 years back I am afraid that the court will not be able to provide a copy of the claim form due to the file now being destroyed. Due to the amount of claims in which we process and receive we have a timescale of how long we keep files in storage. The claimant however may be able to provide a copy of the claim form as they may still hold a copy. With regards to the Judgment the court can provide a further copy however a fee of £10.00 will be required as the court had attempted postage of the claim and Judgment back in 2014. Payment can be made either by cheque or by debit card if a contact number and preferred time to be contacted is also stated.

 

I wish to challenge this ccj on the following resons; a: incorrect procedure no valid documentation , b: incorrect value as deposit was claimed by landlord from mydeposits, c: failure to provide claim form the goverment requires all companies to keep records for 6 years my suspicion is there was no valid claim form and they are trying to fob me off.

Any advice or help greatly appreciated.

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But some how he got a default judgement

So it must have existed for that to happen

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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But some how he got a default judgement

So it must have existed for that to happen

 

yes but my grounds of defence are that no proper paperwork was served and requesting claim form within 6 years period which is validity of court and all they tell me is we dont keep claim form, im sure if told hm revenue i dont have my tax return as it has been 4 years they would not accept it.

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Well then set it aside - no claimform received

 

As for a defence for the debt.. Incorrect amount .. Deposit reclaimed by insurance? Thru mydeposits scheme?

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

Clue is in their response......

 

" With regards to the Judgment the court can provide a further copy however a fee of £10.00 will be required as the court had attempted postage of the claim and Judgment back in 2014."

 

I read that as never actually served the claim form...hence the default judgment.

 

See CPR 6

 

6.18

 

(1) Where –

 

(a) the court serves the claim form by post; and

 

(b) the claim form is returned to the court,

 

the court will send notification to the claimant that the claim form has been returned.

 

https://www.justice.gov.uk/courts/procedure-rules/civil/rules/part06#6.3

 

Andy

  • Confused 1

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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Well then set it aside - no claimform received

 

As for a defence for the debt.. Incorrect amount .. Deposit reclaimed by insurance? Thru mydeposits scheme?

 

Am planning to set aside, yes deposit was taken without my consent from mydeposits i never recieved any paperwork from courts or my deposits to grant landlord access to money.

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Clue is in their response......

 

" With regards to the Judgment the court can provide a further copy however a fee of £10.00 will be required as the court had attempted postage of the claim and Judgment back in 2014."

 

I read that as never actually served the claim form...hence the default judgment.

 

See CPR 6

 

 

6.18

 

(1) Where –

 

(a) the court serves the claim form by post; and

 

(b) the claim form is returned to the court,

 

the court will send notification to the claimant that the claim form has been returned.

 

https://www.justice.gov.uk/courts/procedure-rules/civil/rules/part06#6.3

 

Andy

 

Thanks andy for that, i missed that point is that valid reason to set aside, how do i start procedure and should i get copy for £10 or just use info from credit report ?

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Yes I would most certainly get a copy of the judgment and claim form...as for setting a side...you will have to prove the point which I assume happened but their response is a bit of a give away......they either made good service or not....why state attempted ?

 

If attempted.....attempted and succeeded or failed ? Its a word I usually connect to things that someone tries to do but does not succeed in doing

 

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

 

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

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