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    • if you wish to put up everything like    your defence claimants WS defendants WS   then im sure those here now and future victims will find it of value   if you read upload carefully you'll see its best to upload each as a separate multipage PDF but ofcourse you'll have to redact each page as a jpg picture 1st before merging each to the relevant multipage pdf .   dx  
    • Thanks I’m happy to put something back ! I didn’t have the courage of my convictions to counter claim even though I was really quite proud of the thoroughness of my court bundle ! i really wanted the opportunity to get into the detail with the judge and felt quite cheated when it ended, but of course I realised that they had just moved on to their next victim  will watch this space 👍  
    • I have created your own topic for this as its import to have it own one but placed a link on the thread you posted on.   you should never counterclaim that exposes you to further cost and rarely succeeds esp if they disc' the claim always best to state in a sep letter you will be seeking costs esp loss of days wages at £90 which most judges allow.   as for an sar, its p'haps always better to issue a cpr 31:14 too or in replacement of, an sar.   well done on your important win
    • My wife has directed me to post on this thread as I have just successfully won against these charlatans   My hearing date was all set at my local court for 31st October 2019 all defence papers were filed and served and frankly I was really looking forward to it! This morning I received a letter from BW legal stating in a one line response that I was to take this letter as a notice of discontinuance whereby the claimant KBT (armtrac) discontinues all of the claim. I am beyond disappointed that I didn’t get my chance to see these idiots across a desk! And that’s it I don’t appear to be able to take this further? I now realise I should of had the courage of my convictions and faith in the advice of others to issue a counterclaim! What I have now in my possession is a file of information which would be Gold-dust to the next person in my position! I feel like I would be able to get some sort of closure if I could pass some of this wisdom on but there are many posters here already and every case is different in its own way The key points in my defence were as follows and useful to anyone ‘caught’ at Sandy Acres. Keep the original parking ticket you purchased and send a copy to KBT with a covering letter ASAP do not identify the driver at any stage of the process!!!!  The blue sign uses the word penalty which is contrary to the IPC codes of practice  The red and white sign has a café open sign in front of it  which obscures it from the drivers view both available to download via Google maps Check the date you receive NTK mine was 71 days Do an SAR and you will get back the pictures of the alleged offence in my case they were of such poor quality you could not tell which way up the ticket was in the photo and in no image they held was there a picture showing the ticket and the vehicle numberplate. They offered no other evidence. Pretty soon you will see the money is being sought escalate until they no longer match the figure on the NTK even if it is sent within 56 days When you see a breakdown of costs for the money being sought it will ultimately include legal costs, typically £60 that the solicitor knows cannot be recovered in Small Claims Court. Personally I am now considering reporting BW legal to the law society or solicitors ombudsman for being party to a process which is fundamentally dishonest, an abuse of process, and a complete waste of court resources?   i am happy to help anyone who needs assistance but rest assured that their case against you relies on you caving in and paying, they have no plan B but will try and make you doubt your ability to defend yourself.   Dont worry about small claims Court, it isn’t crown court, just an office with 3 desks and certainly less stressful than a job interview or meeting with the bank and less at stake.   I got to one week from my court date and they gave up!
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Hestia10

Will getting a credit report trigger debt collectors?

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Back in 2008/2010 CAG pretty much saved my life - not joking! 

 

My story is fairly typical

- got into too much debt, lost job, got caught with all sorts of dirty tricks with debt recovery agencies

- found CAG, got help, fixed some things, more dirty tricks and bullying from debt collection agencies and then after issuing lots of SAR's things went quiet.

 

We managed to get agreement from our lender to rent the house while we tried to sell it and went to live with my mum and stepdad in Spain and try and re-start. 

We have managed to scrape by, (anyone who thinks running off to the sun is easy let me guarantee you are wrong!) I was chased by American Express who issued an RMA to bankrupt me but at the last minute didn't

 

one of the credit card companies managed to convert a credit card into a CCJ and then a second charge so when the house did sell that took the equity.

 

Another CCJ we made an arrangement with and paid off. 

 

Move forward to the present.

Stepfather has passed away, am in the process of finalising a divorce with my wife (trying to remain friends and mostly that's ok) and mum who is 83 has deteriorated in help and needs memory care among other things which is a challenge anywhere in the world but as a Brit in Spain more than it would be back home, so I have to come back so she can get additional medical help.

 

All that builds up to the following questions if anyone can help answer please I would be enormously grateful...

.I still have kept proof of posting etc for the SAR's.

 

Over the years, much too late to do much about, odd letters from agencies have popped up

- nothing for a few years now and might be invalid/statute barred anyway but I haven't attempted to reply.

I don't know what my credit file is like and of course when I come back to the UK I will need to fix a bank account etc.

 

Anyone who has been in trouble will understand the horrible bombardment of dozens of daily phone calls chasing debt, the dread of the postman, the sick feeling watching a stranger walk up the garden path....I am terrified of going back to that hell again even without a job, assets or a home for them to seize anything, I can't bear the thought of all the harrassment again.

 

Today I checked out whether I had CCJ's at my old and my mum's address using TrustOnline as it seemed to bypass the Credit Reference Agencies and was effectively straight to the source. No CCJ's were registered and there was a comforting little Green Box ticked in the pdf file they sent. But, I know the information on that report is quite limited when it comes to things like defaults etc.

 

My big question is, if I register with Experian or Equifax or some other agency will that 'Kick Off' notifications to credit companies and start me being persued again?

I do understand things are what they are but any thoughts or help

- guidance would be massively appreciated.  

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Hi and Welcome back 

 

All explained in the following link...the myths the truths warts and all.

 

 

 

Regards


Andy


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 OTHERS

 

 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

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Thank you Andy, I will read it now! Cheers

 

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Well, I took the plunge and entered mum's UK address which is my last registered address in the UK. Experian wouldn't open an account because they said information mismatch? Clearscore said that I did not have a credit file and should take up some credit to get started!!? Now I am really confused!!

 

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If anyone is interested in what happens next I am going to keep a record of who and what comes out of the woodwork over the next few months. For now I have re registered on the electoral roll. I will also try and open a bank account in a month or so. 

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you should never run from debt even if abroad

just write any tell them of your address

before you know it you'll have a string of backdoor CCJ's you know nothing about.

 

you should be ok now

how long ago were your last payments?

on those that didn't attain judgements etc?


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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Hi, Last payments were around 2009. The last time any sort of letter showed up was about 3 years ago to my knowledge but only received by me a year after it was written as hung onto by my sister. 

 

I haven't managed to open a bank account yet but made progress in what they required so will try this week. 

 

Thanks for responding.

At the time maybe I should have gone bankrupt in hindsight but before I left it pretty much all stopped after asking for the SAR' s.

I had settled what I could prior to that. 

 

Then after a big gap I started to get random debt agencies picking up on a few, irrespective of saying there were outstanding SAR requests they came and went and I did inform them where I was living overseas which is why Amex went for the RMA and then suddenly stopped. 

 

You are of course right about running away.

Seriously the whole thing gave me real depression which is something I only thought happened to other people.

It has taken me all this time to get back to a place where I think I can take a deep breath and deal with it both for my sake and my mum. 

 

I will keep a log.

 

What happens might prove relevant to others and I can't see anyone else has kept one although a lot of people seem to have similar stories. 

 

Thanks again

 

 

 

 

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everything will be well statute barred now should any pop out the woodwork.

 

 


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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