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    • OK, then use the letter dx mentions in post 34 as your starting point.  It obviously needs to be tweaked and bits cut out that are different from your case.  I would also add:   "Your clients know full well I was not the driver, so as I was nowhere near the Airport Pub I couldn't enter into any contract with your clients, even someone with GCSE grade 1 in law could work that out.  No keeper liability has been established and to boot the signage is a prohibition.   I'm sure you read DDJ Harvey's judgement in Lewes on 24 April.  Not very happy with the Unicorn Food Tax companies like your clients make up, was he?   Your clients can either drop this foolishness now or get a good hiding in court, both are fine by me.  A juicy unreasonable costs order under CPR27.14(2)(g) would do nicely to finance my winter holiday.   COPIED TO SMART PARKING"   Put the ideas together then please put up a draft of what you propose to send.
    • They haven’t served me the application or any documents at all    I only know this because I rang the court    protocols don’t apply To  them apparently      they haven’t followed any rules - just pressure all time  but I have a defence and I’m entitled to have my time in court with it 
    • You need to be very carefully want you sign or agree to !   I'm afraid 11 years won't make any difference when it comes to AST https://tinyurl.com/yylxnpmc   Rent increase https://tinyurl.com/y3xhgtsb   If they want the property back using s21 notice read on https://tinyurl.com/ycmqz9ds   or s8 notice read on https://tinyurl.com/ydhejzrk   Links take you to shelter website assuming you live in E&W.
    • I'm not to bothered about the grief they would give us, it's easier to deal with knowing they can't do anything, tad used to it now.   If a letter to them now can also deal with it without naming the BIL, then that would be good to. The OH has said she doesn't want to go anywhere near a court as that is not her thing, so need to avoid that too. Obviously she shouldn't need to go through that as she wasn't driving.    
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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    • Ahmed Alwaheeb's firms sold cars riddled with faults – and which sometimes had government recall notices. https://www.consumeractiongroup.co.uk/topic/427369-ahmed-alwaheebs-firms-sold-cars-riddled-with-faults-%E2%80%93-and-which-sometimes-had-government-recall-notices/&do=findComment&comment=5071860
      • 3 replies
    • @curryspcworld @TeamKnowhowUK - Samsung 75 8K TV - completely broken by Currys. https://www.consumeractiongroup.co.uk/topic/426151-samsung-75-8k-tv-completely-broken-by-currys/&do=findComment&comment=5069075
      • 8 replies
    • @skinnyfoodco Skinny Foods. https://www.consumeractiongroup.co.uk/topic/426130-skinny-foods/&do=findComment&comment=5068996
      • 8 replies

Welcome Finance Assigned debt.

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The debt has now allegedly been sold to a company based in Luxumburg,and they have now written saying they will send an agent to the house at a cost of £120. I am seeking help/advice please. Thank you

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I think that you should start off by telling us something about the alleged debt.

Please tell us the whole story in a succinct chronology

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Thread moved the appropriate forum and thread title updated.



We could do with some help from you.



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


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

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  • Andyorch changed the title to Welcome Finance Assigned debt.

that'll be prime credit.


agents are powerless they are not a bailiff

tell them to do one.


I know this is a big read but its the best way to tell you everything you need to know



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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