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    • Hi I have received not one but three of the same PAP letters (just different amounts and details) from Moriarty Law, allegedly for three different ADCB credit cards taken out in UAE in 2009 for a total debt they claim is now almost 200,000 pounds across the three accounts.  I think I may have had one credit card from them, but there was nowhere near that amount outstanding, if anything, when I left the UAE for good on September 30, 2010. There is a difference with my case, however and I need some advice.  I have lived in Hong Kong since 2012 (I am a permanent resident there) and the letters have been sent to my elderly mother's address, which is where my UK bank account is registered, and have been forwarded to me. Though they are dated August 20 and 21 I only received them yesterday. There are also two follow-up "Final demand before proceedings letter" both dated September 8. In previous years there have only been various DCA letters sent which have all been ignored My queries are this: 1. What would happens if the letters were returned with a note that this person is "no longer lives at this address" - moved abroad” 2. Or should I return the PAP reply form anyway as set out on this forum but with no address on it (it might confuse them with a Hong Kong stamp on the envelope I guess) 3. If I do that, should I send the three forms separately or together? 4. Should I return it saying I have left the country adn not to send any more correspondece to my old address? 5 Or is there any other advice you can give.  I am not sure if I reveal that I am in Hong Kong that could stop UK proceedings, could I have a CCJ in absentia and could it be enforced, or whether could chase me for it in Hong Kong which has a similar statue of limitation law to UK? Thanks for any speedy advice. Time is short because it takes four or five days for post to get between UK and HK.        
    • A step by step guide on how to use the Armed Forces Pension Calculator     READ MORE HERE: https://www.gov.uk/government/publications/a-step-by-step-guide-on-how-to-use-the-armed-forces-pension-calculator
    • Hi   Repair and Support Plan states: If your product goes wrong after the 3rd Repair, you can request a replacement.(The faults must be mechanical they say e.g Hard Drive as opposed to physical/accidental to qualify for replacement/vouchers).   My Laptop has had 4 Hard Drive replacements. They are attempting to claim that a corner being missing when the laptop went in for repair over rides Hard Drive Failure and are therefore claiming my laptop has had only 3 repairs.   Also Well fix in 7 days or replacement-1 of the repairs took almost a month. Ive refused delivery of my `fixed` laptop now for 3 months while arguing to and fro with them that they have breached the support plan and I want replacement vouchers.They are now charging me £50 to store my laptop and are going to dispose of it in 6 days if I dont contact them. Been through usual channels..Consumer advice... just found out they wont participate in ADR. I loathe this company they are a disgrace. Ive paid A support Plan £11 per month for over 8 years. Im aware how bad they are and how many people they have shafted. Anyone any idea where I stand ..what I do?I dont want them to get away with broaching the policy as well as binning my laptop.Im left with nothing.    
    • So it is...... ...but has yet to be determined by a Judge...who would no doubt decide that  Bailey had the use of the vehicle  during the term of the agreement and therefore benefited.   Too risky....I would be happy with this result and leave it at that. 
    • If the claim is private individual against business, the case should be heard in your local court. Did you buy the dress under a business name or your own individual name?
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dn10zeus

Surprise County Court Judgement with no name.

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Today I checked my credit file for the sheer hell of it. Personally I'm not bothered what it says as I don't borrow money. Made those mistakes years ago and now my file is at zero.

 

However what I did find was a CCJ for £280 issued last October. Whoever the claimant was didn't write to me at my current address despite being on the electoral register and not at my previous one. They sneakily wrote to the old address so as to win by default. I have a very good idea who this, but it doesn't show on my credit file, just a claim number.

 

I am guessing here but I think it may be a debt collector who has been harassing me for years over this alleged debt debt. It was to Orange for a mobile contract which I had never has. ( I was the victim of ID fraud and they did other things too ).

 

Despite many, many letters asking them for proof like the Deed of Assignment, Deed of Novation and a contract that proves I am the debtor and responsible, they have ignored me.

 

To then sue me using an old address when they only wrote again only yesterday to my current one, I find this extremely bad practice that flies in the face of all the guidlines on debt collections. This is just spite of their behalf, nothing more.

 

Today I wrote to that Mickey Mouse court called Northampton business centre where no judge ever sets foot and asked for the judgement to be set aside as I have not been notified and I have been denied my right to defend myself. Also I issued a counterclaim for a considerable sum as set down by a judge in a similar situation where PC World sued a man over a computer and filed an inaccurate and untruth report on his credit file.

 

Now what will happen? Will my set aside be successful as it really is a bit cheeky to sue somebody deliberately using an old address so that you win by default. This smacks of a certain debt collector who we are all familiar with on this forum.

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At a guess...Lowell ?

 

Check here ...there is a small fee.

 

https://www.trustonline.org.uk/

 

 

Thread moved to Financial Legal Issues forum.....please continue to post here to your thread.

 

Regards

 

Andy


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" Today I wrote to that Mickey Mouse court called Northampton business centre where no judge ever sets foot and asked for the judgement to be set aside as I have not been notified and I have been denied my right to defend myself. Also I issued a counterclaim for a considerable sum as set down by a judge in a similar situation where pc world sued a man over a computer and filed an inaccurate and untruth report on his credit file."

 

Did you use an N244 application notice....? They will not respond to " letters "

 

How did you issue a counterclaim if you never received the claim form ?

 

Andy


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Thank you for your replies so far.

 

I found out I had a CCJ by renewing my membership to Check My File.

Unfortunately it doesn't show who the claimant is.

 

Like you I suspect that it Lowell.

If it is the debt I am thinking of with them it must be statute barred by now or very nearly on the cusp.

This will be a last ditch attempt by Lowell to try and screw some money from me for a debt that isn't mine.

 

Unfortunately I have a very unusual name so it makes it easier for them to trace me.

Like I said I don't borrow money and I haven't done for years which probably made it easier for the fraudsters.

 

Along with the letter I wrote I did print off a form N244 ( I think ) it was on the Government page for county courts/defending an action.

If they if not that letter I certainly have the N244 form now and with the link you have provided I will soon know who the claimant is.

 

If it is Lowell do you have any further advice on dealing with them like making a formale complaint to the FSA, Trading Standards and other professional bodies they belong to.?

Edited by dx100uk
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so fraud then ID theft or WHY?

 

why don't you ring northants bulk in the morning with the CCJ number and ask for a copy of the claimform and the judgement by EMAIL PDF?

that way you know everything.


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I rung the Northampton bulk clearing centre and was put off by being number 25 i the queue!

The next day was better and I was 17.

They soon get through the list so persevere anybody if you have to ring these clowns.

 

The company that sued me was I Go 4 car insurance.

I vaguely remember using them.

The insurance was'nt re-newed as I changed the car and got a better deal.

It was out of contract by then.

 

So far I have written to them asking a Subject Access Request on all information they hold on me to get to the bottom of this.

I have sent off the N244 form asking for the judgement to be set aside as I knew nothing about it and certainly received nothing from I Go 4.

Now I am waiting.

 

Anybody else had dealings with these people?

The alleged debt must be sub £200 if that as they sued for £280.

When I left them I certainly owed them no money.

 

We'll see what the SAR brings.

Edited by dx100uk
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I will guess they rolled it over when you didn't want them too.

so the SAR should show all you need


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Reclaim Bank Account, Loan & Credit Card Charges Read Here

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