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    • Hi Mango,   Please don't post in large blocks of text as it's far harder to read. Spacing added for you in the post above.   Please give brief answers to UncleB's Q's above so we can better assess your case, thanks.
    • "These are certainly not the persuasive decisions that this Claimant may suggest." Well worded.   I would add that as VCS have been  active in Airports over the years  that one would  expect they would be familiar with the Airports Act which would call into question the accuracy of their WS.   By questioning their WS you are hoping that VCS might decide not to turn up in Court [giving you a walkover] as they might not want the Judge looking closely at their WS. Also it would not be good for them should you win your case based on the Airports Act as it will have other Courts  kicking out other Airport cases hitting them in the pocket.    
    • Hi,   Still no response. I have my Liability Order hearing in a few days time, I was hoping I might have been able to receive a response from either my local councillor or the leader of the council before then. I wonder if they are just going to ignore my email?   Walshy    
    • I have got an  independent expert report which clearly states it is a manufacturing fault, which DFS have been made aware of.   My point is that as a huge retailer of leather sofas with leather peeling  being a common complaint to me it seems evident they are aware it is a manufacturing fault on their side. Yet they play games with customers and worse of all try their level best to get the customer to believe that it is their fault due to oils or creams they are using.   Even if one is to believe that every day creams etc can cause this damage then in any event the sofas are not fit for purpose.   Surely they are merely playing a numbers game banking on the fact that most complainants will not follow through with legal action. Yet what about the anguish and distress they cause to customers in the process.   To me this shows alot of contempt towards consumers and is clearly unethical.
    • I would if I could tobyjugg  Did the same run today over an hour quicker than yesterday, thats what happens when you know where to go and not just try finding places with the postcode as I was yesterday
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
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    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
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Found BW CCJ for old cap1 card - - Statue Barred?


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Evening,

 

I recently obtained my credit file from noodle and found A CCJ from 2014 on my account (genuinely don't recall this). Did some digging and it was for a capital one credit card back in 2012.

 

I sent a CCA request to BWLegal who provided me with a copy of the agreement and a statement. Here is the details below;

 

Account Opened - September 2011

Last Payment Made By Me - April 2012

CCJ Registered - August 2014

 

I have had nothing to do with this Credit Card since my last payment to it in 2012. The balance is relatively small. What are my options. Would this not be class as statue barred or does the CCJ cancel that out?

 

Thanks in advance

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Nope ccj trumps sb as it stops the clock

If they aren't chasing you then keep quiet. Lowell got the CCJ not bw they are sols

 

Moved to legal and retitled for clarity

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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Sadly the CCJ will remain there until August 2020 whether settled or not and paying it off at this stage will not drastically improve your credit rating, if at all

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nope as post 4.

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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