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    • Different statements. One has “at 59 mph overtaking on the approach” and the other “it was overtaking on the approach and in ....... at 49 mph”. So not the same statement (same ethos, different sentence structure).   perhaps they chose that site for the officer because it is an accident hotspot, and they know people do dodgy overtakes (while speeding) there .....??  
    • Hi.   I've moved your thread to the Bailiffs forum. People should be along to advise later.   HB
    • So a little update;   Of the 6 letters I sent 3 were acknowledged. One accepting £1/month for now and two from the same creditor trading under different names asking for full I&E which I haven't done.   In a moment of madness I managed to depsoit 5k to a gambling site I didn't have due to paypal's crazy policy of allowing payments which are to be collected by direct debit after a couple of days to gambling sites! Mad they allow this but this will show as a negative paypal balance (in a different account to the original "debt"). The first paypal -£5k account has been closed and passed to a DCA now. I have ignored them.   My council has appeared to have stepped up their collection efforts for £2.5k in alleged housing benefit overpayment from 2015/16. I have acknowledged their letters over the past 3 years each time by email but they rarely respond to my pleas. I truly think if there was overpayment then it was for less than half the amount they claim. At the time I didn't think I was being overpaid because I wasn't really working but I had stopped claiming JSA/ESA (and told them as much) but earned a couple of hundred pounds a month from sporadic work.   Also what I thought was a dormant debt from 2016 to Halifax has been actually sold ( to caboot? I think. Hard to keep track of everyone)   I've been getting phone calls daily but ignoring them for the most part. I did request all communication in writing in my original letters.   I feel incapable of dealing with these creditors and whilst initially I was feeling that I would be happy to just ignore all the letters (arreas, defaults and the like) and phone calls for an indefinite amount of time and  hope to make it 6 years to statute barred-ness and accept or defend any CCJ attempts that did arrive. I figured that avoiding these creditors for 3 months so far is 5% of the way there to statute barred! But I figre for these fairly sizeable amounts they probably won't all let it go and I will get some CCJ docs (never had to deal with that) However now my mood and thinking has changed.    I am looking again at insolvency. I'm over the DRO limit now so its BR or nothing. I was wondering why you said to not consider this and it would be stupid @dx100uk? Although shirking my debts/responsibilities it does seem like an "easy" way out at the moment. It would be so nice to know that what's done is done and to be able to draw a line in the sand and start again in a year or so and not have to avoid creditors or worry about what's coming next...   It certainly would help the environment what with the amount of letters that are arriving already(!) considering the first payment I missed was october/november (excluding the old halifax and council debts). I am exordinately stressed about it now even though I thought I would be already . Any advice would be great if it was to get my head out of the sand and contact people/do the ignoring thing and seeing what happens/reasons  to do or not to do bankruptcy for these unsecured debts?   Thanks      
    • Hi everybody   Had a knock on my door and was confronted by either a Bailiff or enforcement agent (not sure about the specific job title). When I opened the door he stuck his foot in so I couldn't close the door. I was video taping him so I took a few steps backward (to get him in shot) and he just fully entered the property despite me saying that I was denying him entry and he refused to leave thereafter.   Turns out that he was there to collect a court issued fine. I think from a Magistrates Court. He worked for this outfit:   www.marstonholdings.co.uk   The reason for the fine was something to do with "driving without car insurance". Now I had a cheap car a few years ago but it broke down and would cost more to fix than it was actually worth. So I sold the car for scrap and cancelled the insurance. Turns out you have to inform the DVLA when you scrap a car and them that it is no longer on the road (I was unaware). So this was the circumstances of the visit.   My question is did he have the lawful right to enter the property? I always thought these people were like vampires i.e. they can only come in if you invite them in.   tia Bear  
    • oppss again then if its the same person.   knows the road well so should know what the speeds are and where they apply..      
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jerrythompson

Southern Water/shumans joint claimforms - water debt

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Scary!

What can we now expect?

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nothing they've let the claim get stayed 

it will cost them £255 to lift the stay .

 

have you not been using your time wisely and reading up ...

 


please don't hit Quote...just type we know what we said earlier..

 

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18 minutes ago, lamboboy said:

Scary!

What can we now expect?

Well, I thought I had been using my time effectively, but it seems I underestimated my legal research. Number 3 went over my head. I thought I knew that I should sit and wait, but as a novice, I wasnt comfortable to wait without 🙋🏻‍♀️Asking for help 

Ive been diligently following instructions, reading up and not paying money that I don’t have to, in order that I can use my funds to pay as many debts off as possible 

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but you don't pay anyone that cant provide an enforceable agreement..

as for this one..post 29 refers.


please don't hit Quote...just type we know what we said earlier..

 

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OK I will keep quiet and if they call , we will request all communication in writing!

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thats an n180?

too late now the claim is already well stayed?

past 28 days since you filed your defence?

 

 


please don't hit Quote...just type we know what we said earlier..

 

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yes, it's an N180 and the original was issued by Shulmans (if that makes a difference?)

 

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MCOL shows this as the history:

Your defence was submitted on 24/02/2019 at 23:33:04

Your defence was received on 25/02/2019 at 08:01:47

DQ sent to you on 25/03/2019

 

 

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And you have completed and submitted your DQ ?

 

Notice of Allocation next (n157)  post up when you receive it.


Andy


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What DQ?  We have received nothing we have not offered you!  Not sure what it is!  We have offered you everything we have received

 

Is the N180 not the DQ???

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Sorry Andyorch but we have only received what I've put up on this thread.  Is any of that the DQ Please?

 

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I have been through the paperwork and I've found the DQ!  

 

We have until 11th April to respond.

 

Does this mean they have started again and your advice on how we now proceed would be gratefully received please

 

Thank you

JT

 

 

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didn't stop looks like they got the DQ in just in time then.

 

3 copies

1 to the court 

1 to the claimant sols 

1 for you file.

 

yes to mediation

1 wit you

the rest is obv.

 

dx

 


please don't hit Quote...just type we know what we said earlier..

 

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Can I please ask a further question...

In view of the fact we are now having to submit a further DQ ; are we to still  ignore the direct correspondence (attached) we received from Southern Water?

 

 

water 1 cag.pdf water2 cag.pdf

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AND!!!!     The other Defendant has not been sent a DQ even though it states on our paperwork that there is a Co Defendant?!  What now?!

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You only submit one DQ on a joint defendant claim.


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

 

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Should it not have both names though? It just says my partner's name "and 1 other" so I am presuming at the very least I add her name in on the DQ as a Defendant and witness?  Seems unfair to assume my partner will hold all the liability independently.

 

..and  do we now correspond directly with Southern Water in response to their direct letter as per #66 please or keep it through the intended mediation?

 

I'm sorry if I am a pain but I don't want to get this wrong because it could cause us total hardship

 

JT

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The "one other " if unnamed is irrelevant...you cant sue a 1 other.Wait for mediation if you wish to reach an amicable position.


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Sorry I don't know what to do then because up until now, she has always had her own paperwork and now it is all just coming to us.  This implies they will lump the whole sum onto us as she is not now having to defend!

Can I add her as the "other" Defendant?

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Im getting lost here whose name is on the claim form as defendants ? 


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The covering letter (Notice of Proposed...) states "Mr Blah Blah and 1 other".

The DQ is blank for completion

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Well its the name/s on the claim form as defendant is all that matters... 


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