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    • Thanks DX.  I've ploughed through the pages and dug out what I feel are the relevant ones. Obviously, some of these are duplicates of what I've put up before.  Anyway, I would be hugely grateful if someone can look over and advise. Reading though other posts and on other cases that I've had help with from here, I don't think they have much of a case - given the weakness of much of their "evidence" - but obviously I would be grateful for some expert advice from the helpful souls on here.    Thank you.    B   Witness Oct19_redacted.pdf
    • You came here for advice, soem advice has been given adn you question the validity and source of that advice. We are all lay peopele, ie not giving professional advice but it is based on experience of the world and in some cases working in the field that advice is given on. Now you dont have to take our advice, we wont get the huff if you prefer to look elsewhere or do something else. when I asked what you think they would do with your NI number it is to prod you to think for yourself and question why they would ask for this when there is nothing legal they can do with the information so wouild you be wnating to give it to them knowing that they would want it to break the law if they processed it. Now you can take that up with the company at the top but TBH unless you want to spend money on a lawyer they will not answer the question or fob you off with some ridiculous answer anyway.   so for the moment read a lot about  RLP and similar situations to yours ans make particular note of what happened to the peopel in the end. You will find no threads theat ended by saying " thanks to you I gor sued by RLP and owe them a fortune". It isnt going to happen and the reasons why are explained in many threads. They rely on your feeling of guilt to get anywhere
    • you need to respond to their letter saying that you belive that you ahve been paid correctly ( or underpaid if you are due a small amount of accrued holiday pay etc) and demand that they show a full account of what you received, when and why and how they arrived at this figure. You then reconcile that with your P45 and use the figures to bat off any furhter demands if they still akke one. Come back if they dotn drop the matter and give us the full breakdown on hours worked, hourly rate, gross pay, tax paid  etc
    • @dx100ukI never got a response to my SAR from Octopus.   But I have just received a 'letter before court action' from one of their legal representatives, who have been "instructed to consider legal action against [me] if full payment, a settlement or your proposals to make suitable repayments arrangements are not received in the next 30 days."   I'm reading the threads now. Any advice on how to proceed? 
    • I would say let them do their worst, it will surely backfire on them. Now with restrictive contracts that stop you working fro competitors- these are notoriously vague so often not worth the paper they are written on. also they have to be fair so for example if there are only 2 companies in the UK that make a certain product your employer cant say you arent allowed to work for the other one. If you were for example trained as a hairdersser and you were going to open a salon in the next street to your ex employer then the restriction would apply if worded correctly. Dont panic about this, your new employer will be au fait with the situation and time spent worrying about a nastly letter will in their eyes take you eye off the ball so concentrate on the new job.
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Diedebtsdie

Debts Almost Statute Barred.....Pay or Risk CCJ £40k Multiple Debts

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Hi All,

 

I hope I'm posting in the right place.  

 

I have about £40k in unpaid debts (cards, loans etc).  

They are pretty much all over £5k and nearing the 6 year since default time frame...

 

The first is into the final 12 months now... Capquest... £11k, they own the debt.  

Ive been expecting collection efforts to step up as the SB line approaches with them all.  

 

The situation is that I could pay these but call me morally bankrupt... Id rather eat you know what at this stage.  

If any of the so called creditors look into me they'll see that I'm worth chasing.  

 

Having nearly got to the 6 year since default period

I won't allow a judgement to show for another 6 years.  

How likely are they to try and get one?  

 

With debts over £5k is small claims not an option for them and will it cost them more to take this to court?  

 

My question is this.......

They are offering obviously settlements for less.  

Capquest 40% of £11K...

Id hate to ignore all this and end up having to pay the full amount as they take it to court....

How likely are they to do this?  

 

If they do will they still take a settlement when proceedings have commenced?

(Hence nothing to lose by waiting).

 

Companies in question are:

Intrum Uk Ltd

Cabot Credit Management Group Ltd

Aarrow Global Ltd 

 

I just notice as I type that Capquest are not noted on my credit file and must be part of Arrow Global....

They have also made subtle threat on their latest letter with the wording

"Our additional enquiries have indicated that you are a homeowner at the above address."

 

Most of the defaults were around 2014 for agreements taken out 2008 -20012.  

Original creditors...

Halifax,

Tesco,

Virgin Money.  

 

In Northern Ireland so PAP doesn't apply I think.

 

Any advice appreciated.

Regards

Diedebtsdie

 

 

 

 

 

 

 

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are all of these debt owners or were the original creditors aware of your current correct address??

 

bottom line ..have you moved since taking them out??

 


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If you live in Northern Ireland, I just wonder whether someone sat in a Debt Collection office in England would have an idea how to proceed.

 

You would think they would have Solicitors based in Northern Ireland that they just pass the details to. But perhaps this is not the case or if there is a process, it involves too much paperwork on their part, so is not a priority.

 

Have you always been at the current address since taking these debts out ?


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@dx100uk and @unclebulgaria67 I have moved address since taking the debts out yes.  However I’ve kept everything going to the old address (which I still own) and have a redirection on the post.  Thought it was better to hid in plain sight to stop them from coming looking for me. Also didn’t want to contaminate the new address.  

Can I ask why so relevant?

Many Thanks. 

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you cant contaminate an address, your good or bad credit does not harm anyone else there unless you are listed as financially linked to them on your credit file.

 

NI works pretty much the same as the rest of the UK but you need to be aware that court papers might very well not be redirected should they be issued.


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

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

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Re contaminating address... I think if I don’t link it to my old one that I could re-emerge here with a deed poll name change and new credit file.  I don’t want to loose the option of doing this. 

Quote

Have you always been at the current address since taking these debts out ?

Re above... is it better that I have been or is it better to have moved or what’s the logic to the question? 

Thanks

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backdoor ccj's.

 

you have some wild ideas about hiding/changing name.

deed poll does not hide your past debt, neither does it not make you legally responsible for it.


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

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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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I’m aware that a deed pole name change does not hide the past debt in current name, I’m aware however as to how it can be used to create a new clean credit file under the new name.  Have already done this with wife’s name and she is getting credit again (some of above debts in join names). 

Think we are getting off the track of the original questions posed thought.  

Would appreciate it if anyone knows the answers. 

Regards

 

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why do you need a clean file?

in certain aspects that can be viewed as FRAUD.

dx

 


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

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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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We deal in property and not being able to get Mortgages can be restrictive. 

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CAG is not here to help in cases of debt avoidance.

 

dx

 


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

spreadsheets 

 

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Have you SARed your original creditors?  For all you know the credit agreements may not be enforceable for any number of reasons. 

 

And a word of caution about Intrum - they got a default judgement against me last year by serving the claim form to an old address despite having corresponded with me at my current address (it was subsequently set aside by the court).

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Also  substantial discounts mean they know theyre on to a loss. Theyre bluffing you, especially capquest. They dont chase legit debts. They just go after lemon ones with high figures, hoping for a Judgement by default or you cave into paying whatever they ask.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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