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    • Thank you!  Is it worth returning to sender? As the letters are a little unsettling and does worry my parents more than anything  I also read somewhere I could write to company and say stop contacting me otherwise I can report to trading standards .. do you advise against this? 
    • They havent shown reasonable care  as professional people so you shouldnt be paying them anything, let alone an inflated bill to cover their bodges. My brother had a similar thing many years ago with a motorbike, that was resolved by having a number of large men collecting the bike and bro then suing for the damage done. Getting your van back will be the real problem to overcome so do you have a spare key and some large friends with a trailer?
    • ignore   Last time i checked CLI are not registered to deal with debts. They simply provide template letters   a dca is not a bailiff   dx  
    • Unless their driver “gets the retaliation in first”.   ”I went to speak to her after she hit the van. I told her she had hit my van. She seemed quite aggressive : then she started taking photos. I thought that’d mean she was wanting to exchange details but then she got in her car & drove off (her driving off whilst I was stationary is there to see on my dashcam......)”   Road Traffic Act 1988 s 170 (2) 2 things are key : 1) was there any damage (even minor / to the bumper) of their van 2) Have they reported it to the police (which you won’t know until you get asked “they notified it within 24 hours, why didn’t you?”   only way to be sure you are on safe ground : notify the police & your insurers.
    • I contacted my local Councillor and received a reply this morning, saying the he would kindly contact our local council on Tuesday morning to see if they could offer any advice.   He also suggested i contact CAB.   It was kind of him to respond so quickly, but unfortunately does not resolve the immediate concern of a potentially scary doorstep visit.   My poor mum has been baby sitting this morning and was terrified!    
  • Our picks

    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
        • Like
      • 0 replies

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i came home to my flat to find an enforcement notice from Marston about a debt from southern water and how much it owes etc 

 

The name of the letter is Mr D Rxxxs (a previous tenant?)

my name is Mr D Axxxs and

 

I did ring to discuss they wouldn’t go into detail as I wasn’t the named person

however if I supplied a council tax bill naming myself they might look into it or I quote ‘the client might continue to recover debt on the address’ 

 

I am really worried as our names are similar and they will continue to chase me it’s over £2000 

 

What if anything could I do?

 

Any support would be a great help 

 

Many thanks 

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tell marstons to go away off.

 

its nothing to do with you

and there is no right of forced entry on civil debt CCJ's

ignore them totally.

 

dx

 

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You mention that your name is Mr D Axxxs and the person named on the warrant is a Mr D Rxxxs. I cannot see how you would consider that the names 'are similar'. They are not. 

 

A council tax bill with your name should be sent as soon as possible. 

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I have spoke to the council and a copy is being sent out as we speak just nervous about the whole situation and thanks for the advice 

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If the bailiff fetches up, he has no right of entry for council tax, so don't let him in. and tell him that you are not the named debtor.

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We could do with some help from you.

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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!

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about a debt from southern water and how much it owes etc 

 

same applies mind….:lol:😚

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PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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4 hours ago, brassnecked said:

If the bailiff fetches up, he has no right of entry for council tax, so don't let him in. and tell him that you are not the named debtor.

In this particular instance, Marston's are enforcing a High Court Writ of Control on behalf of Southern Water. 

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Oops yes my mistake, still no right of entry.

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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 OTHER

 

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!

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I've edited the surnames in a couple of posts, to keep this anonymous.

 

HB


Illegitimi non carborundum

 

 

 

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28 minutes ago, honeybee13 said:

I've edited the surnames in a couple of posts, to keep this anonymous.

 

HB

Thank you I should have thought about that however I wanted to show all the facts surrounding what is going on 

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Well hopefully people will still get the drift. We can amend the names if it causes a problem, but I don't think it has in the past. :)

 

HB


Illegitimi non carborundum

 

 

 

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