Jump to content


  • Tweets

  • Posts

    • Thanks very much Bank. I have topped and tailed my LOC and printed off a copy which I shall post tomorrow by First Class post at my local post office and also obtain a proof of postage. I'll also email them a copy. I've opened a MoneyClaim account, and shall now begin work on my draft Particulars of Claim which I shall post here for your thoughts. And I shan't be using the Moderation service.
    • Yes, it struck me this morning that I'd got it wrong    - no involvement of UKPPO in any previous Tesco thread    - there would have been an entrance sign to a Tesco car park    - CCTV isn't something associated with Tesco car parks. Presumably whoever runs the car park has put CCTV at the electric, and probably BB, areas, done absolutely nothing to stop abuse, and then rubs their hands in glee every time the CCTV catches a motorist out. You can pay £60 and this will go away. Or you can defy UKPPO and rely on their non-respect of POFA, consideration period, etc., should they be daft enough to do court later down the line.  We would support you all the way.
    • thats not the way to do it sorry. sorry so what is your problem? that vanquis paid the £560 or that they are now chasing it? how old is this debt? dx  
    • If you visited Qatar you could be detained at the border, if the debt has been notified.  If you are only in transit and do not seek to cross border into Qatar you might be ok, but you may want to seek formal advice about this.
    • Howdy, I had a short lived credit card with Vanquis that I did not need. I paid it off in full and called them and closed it with the person at the other end. 2 months later they started sending me messages about late payments, I called them and to find out that the card had not been closed in error and 6 weeks after it should have been closed they paid a google debit of £560. I hit the roof and made a formal complaint that took them well over a month to respond to. They agreed they were at fault, refunded all late payments fees and offered me £100 in compensation. However they said the debit amount stood as 'I had benefit from it' and I should get a refund from google. I hit the roof again but they have stuck to their guns. The debit from google is a genuine one but I wanted to dispute it with google so closed the card so they would have to engage with me. But surely that's neither here nor there surely? What is the next step? Ombudsman takes forever doesn't it?  thanks in advance
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
        • Thanks
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Shulmans LBA for UK Search, southern Water debt - part statute barred? **RESOLVED NOTHING TO PAY**


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2005 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I've received a letter before action for an old water bill.

It's for the period from July 2011 to November 2013.

 

Am I right in thinking that between July 2011 and September 27th 2012, this would be statute barred?

No payments were made during that time.

Just need to know before I contact them.

 

Thanks all.

Link to post
Share on other sites

And probably under back billing incorrect too

Who it from..not Lowell is 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... 

Link to post
Share on other sites

Nah. UK Search Limited.

I don't dispute I owe it but they're trying to get a CCJ on something which is, in at least part, statute barred.

That's what I needed to double check so I can throw it in to dispute and get the information from the water company.

 

I don't know what back billing is to be honest.

I was billed for it at the time but didn't pay.

We were desperately skint back then and had to pay only what was absolutely essential.

I knew they couldn't cut off our water supply.

I know...not great.

But we're in a better position now so I can resolve this.

Link to post
Share on other sites

Forget its a util bill

Water is treated exactly the same as any other consumer debt like a card/loan.

Uk search are a powerless dca

 

Deal with the wAter company directly

Who are they

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

Southern Water. It's not been sold on as they are still acting on behalf of. As it's an LBA I need to get my arse in to gear.

 

Should I first and foremost contact them and throw it in to dispute?

Then ask for SAR under GDPR? Never had to do this before...

 

Actually it's Shulmans writing on behalf of UK Search who are working on behalf of Southern Water.

Link to post
Share on other sites

How much is the bill? Southern Water do do court a great deal aand will use a HCEO as a usual MO.

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 OTHERS

Have we helped you ...?         Please Donate button to the Consumer Action Group

If you want advice on your thread please PM me a link to your thread

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

Link to post
Share on other sites

it there a response pack with the lba and does it mention pre action protocol

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

retitled and moved to utils forum

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

Yes there is a response pack. They mention pre-action protocol in so much that:

 

"This letter of claim is being sent to you in accordance with the Pre-Action Protocol for debt claims contained in the Civil Procedure Rules..."

 

And then a link to justice.gov webpage.

Link to post
Share on other sites

ok good

 

use this adapt the answers in post 4 to suit you and ofcourse you cant CCA them.

that's should do everything you are wanting to do

like dispute it etc

and get the documentation etc

remember

do NOT use their pack.

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?481827-The-Pre-Action-Protocol-for-Debt-Claims-is-made-by-the-Master-of-the-Rolls-as-Head-of-Civil-Justice.-1st-Oct-2017

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

No to the sols

Dont specify what is sb'd

Just dispute some of the debt must be subject to the limitations act and statute Barred

 

Be as vague as the lba is

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

little tip ONE LINE stuff only

2 or 3 points of few words..

keep it VERY vague.

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

Your thinking is wrong, it will be the billing cycle that determines when a debt becomes SB.

 

For example, I lend you a hundred quid and ask you to pay it back when you can.

As there isnt a finite element to this the debt can never be SB and nor can I sue you to claim the money because the terms are open ended so it has and will never become due.

 

Now, if SW rolled over the amount due to the next bill then they havent actually set a date for repayment at that point so it wont be SB until 6 years after they send the final demand or defaulted the account.

So did they demand payment at the time?

Link to post
Share on other sites

I've just spoke to Southern Water who weren't overly helpful (expected).

 

They told me that the debt was transferred to UK Search Limited on the 18th September.

Within days they issued a LBA.

 

I had no prior contact from them or Southern Water, least not for a very, very long time. Is that right?

 

Should they not have sent something before an LBA or can they go straight to court action?

 

I mean I had nothing from Southern Water for years.

Never had anything from UKSL at all.

Edited by dx100uk
Merge
Link to post
Share on other sites

Well you wouldnt have as you didnt update sw with your new address..thats why they used uksl to find you?

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

what do you mean have your address?

is this bill for your present ad or an old one?

sorry on a tiny screen scrolling is problematic at present

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

did you inform them in writing of your new address before you left or just after...?? or at all

how are you claiming you told them of your new address?

 

you cant assume they knew your correct address just because someone wrote to you...

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

Oh ok. No I didn't tell them, they just wrote to me. Anyway, regardless I just wanted to know if UKSL should have given me chance to pay before issuing lba. They're not the most helpful DCA I've come across...

 

Thanks anyway. Until I get info off sw I'm in status quo anyway.

Link to post
Share on other sites

no dca are helpful!!

that's their one game..fleece you when you dont owe it anyway.

 

pers id just send the return pack as advised

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

How much is the bill? Southern Water do do court a great deal aand will use a HCEO as a usual MO.

 

I've just seen this, sorry. It's for £700 and odd quid. It wouldn't get as far as bailiffs as I will pay what I owe. Rather do it before a CCJ is granted tbh. Just got to wait for all the info from sw and go from there. Thanks for the heads up though :)

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...