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CLI chasing Enagic Water Purifier Europe FB business ad i fell for


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Hello all... 

 

Today I received a notice email from them that someone will visit the above address within 14 days (there is no address listed) 

This is for a company I got roped into joining online back in 2016 and never received the products for so I cancelled my monthly payments for this company called Enagic. Nothing happened  for 3 years until

 

around a month ago when I got an email from CLI telling me that I owed £998 and that they would be chasing me for the debt owed.

Same emails as you've had above and they've sent 3 since. 

 

I am very worried about this and do not wait debt collectors at my door despite you're reassurance that they can't enforce anything.

Is there any actual way they will either come to the door or try to collect this debt?

 

Please note that I do not live at the address I was at back in 2016 and have moved several times since.

I am now living with my partner in our first home which we own and moved in may 2019.

 

I got into this business and I do not want to pay for something that I never received and got coaxed into joining with false promises etc.

Enagic Europe aren't a UK company and it appears that after 3 years something has been done and CLI are trying to chase me for the debt. 

 

What happens from here on out?

Do I try and seek advice or just ignore?

I've ignored every email they've sent me and as far as I'm aware the only information that they have is my email address..

Not sure if they've ever sent a letter as I'm not at the address I was at during the time I joined the business. 

 

Back in Feb 2016 I was roped into joining a terrible business called Enagic.

I was promised thousands of pounds in commission and I'd be coached through the process etc etc etc.

To cut a long story short, I made no money and I wasn't coached through anything.

Nor did I receive the help I was promised and I spent over £1,000 on FB ads with no success as promised. 

 

I cancelled my monthly payments to this terrible business almost straight after and I've never paid since.

Nothing was said or mentioned until around

 

4 weeks ago when I received an email from a company called "Credit Limits International" demanding payment for this debt and they will chase me for it etc. Very threatening and making me very worried. 

 

Joining this company put me in debt with another loan for the FB ads (which I am still paying to this day) it caused me to have to put my online business to one side and get another full time job which I am still doing now. 

 

I ignored their emails (the only way they have been able to get in touch with me) and today I received an email saying they will visit my house within 14 days to chase the debt on the above address... 

 

There was no address written in the email and they've never mentioned my address or phone number etc. 

 

What shall I do?

I've been reading a few threads from people saying that they had the same and that they can't enforce anything and that they are just a DCA company that sends empty threats in hope that people will pay for something that they don't owe or that they've taken on a debt that most people were unaware of. 

 

I've moved house 6 times since I joined the business and I have only lived at my current address for 3 months.

 

I am worried they will visit my home demanding payment for something that has pretty much ruined my life for the last 3 years and I have had no communications with Enagic of CLI since I cancelled these crippling payments to this horrible business. 

 

They are trying to chase me for almost £1000. Nothing has been mentioned until August 2019 after over 3 years. 

 

am I right in saying that they won't know where I live ?

 

On the email they've never written my address, phone number or anything.

 

The only information that they have is my email address I think.

 

Please advise me on what I should do.

 

Thank you all in advance!!! 

Any advice and reassurance would be appreciated.

 

Also, did anyone actually get a visit from these people? 

 

Thank you all! 

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own topic created   tarm39 simply ignore them and block and bounce their email address   NOTHING they can do to you and no never seen them ever appear at a door to collec

Nothing will happen to the debt. It may exist on paper and be valid for as long as statute of limitation allows.    

plenty of CLI threads here to read. block and bounce their emails   dx  

So am I right in saying that they won't know where I live ?

 

On the email theyve never written my address, phone number or anything.

 

The only information that they have is my email address I think. 

 

That would be funny!!! How weird that they live like that 

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Did they / do they have your address etc?

I'm worried about a visit but when they don't even write an address when saying "we will visit the above address" and there's nothing written above it makes me wonder if they actually have my address and how they got it considering I've actually moved 6 times since living at the only address they should have on file. 

 

Did they also tell you within 14 working days? Or 7? 

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own topic created

 

tarm39

simply ignore them and block and bounce their email address

 

NOTHING they can do to you

and no never seen them ever appear at a door to collect the doorstep.

 

stop panicking .

 

a DCA is NOT A BAILIFF

and have 

ZERO legal powers on any debt

 

dx

 

  • Thanks 1

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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Thank you for your advice! 

 

What happens to the debt though?

Surely they don't just give up?

Can they enforce anything at all? 

 

Thank you again Dx! 

 

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Nothing will happen to the debt. It may exist on paper and be valid for as long as statute of limitation allows.

 

 

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plenty of CLI threads here to read.

block and bounce their emails

 

dx

 

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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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not a lot they can do to you

 

 

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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title updated this is not an Italian PCN.

 

there is nothing they can do to you follow post 9

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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It's a European debt though one way or another I'm sure.

Have CLI (based in UK) purchased the debt in hope that they will scaremonger me into paying?

It's been 3 years since it happened so how long before this gets wiped? 

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read their letter carefully

it will say our client?

 

ps if they have not WRITTEN to you

i'd simply block and bounce their emails

you are seriously stressing about nothing....

 

dx

 

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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Won't their client be the company (Enagic) that I owe the debt to? 

 

So Enagic are trying to chase the debt and are using a DCA to do so, does that now become their debt or are Enagic still going to try and chase me for the debt? That's what I'm stressing about 

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stuff and all they can do to you.

 

simply ignore them and block and bounce their email address

 

NOTHING they can do to you

and no never seen them ever appear at a door to collect the doorstep.

 

stop panicking .

 

a DCA is NOT A BAILIFF

and have 

ZERO legal powers on any debt

 

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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Share on other sites

well they'd have to follow the legal rules

which means they must WRITE to you.

as to date they haven't 

email are not acceptable as they don't ever know you've read them.

 

forget about 

go enjoy your life.

 

dx

 

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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Share on other sites

stop doing their job

you're on your credit file so..

this is why its willy waving.

same as a paypal debt

there is nothing they can do to you.

 

dx

 

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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they know the debt is unenforceable, if is was they wouldnt waste their time and just get on and sue you but they cant.

 

The client company has a bad reputation for telling lies and poor service so they wont want to actually take you to court, even if they could.

 

The people you were dealing with are unlikely to have the authority to do or say anything anywayas they are agents of agents.

CLI get paid a few quid to take on cases like this and make their money out of you rather than being paid by their client.

 

if they overstep the mark they will get done for champerty and Maintenance so they will say almost anything to get you to pay up but will stop short of actual court action.

 

change your email address and block theirs.

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  • 2 weeks later...

Ive now received an email of final notice before proceedings 

 

This is part of what they sent me...

 

Following non-payment of your overdue account, we have been instructed by our above client to proceed with formal recovery of the outstanding balance.

?

To avoid further action, you must make payment in full or contact us within 48 hours.

?

Failure to pay will result in further steps being taken, including legal action via the appropriate Court in your jurisdiction, which may result in:

?

- A Judgment being entered against you

- Court Fees, Solicitors and Enforcement Costs being added to the debt

- Your Credit Rating being affected

?

In any case, it is in your interest to contact us.

?

Let us remind you of your right to seek free independent legal advice from debt organisations such as the National Debtline, the Stepchange or your local Citizens Advice Bureau.

?

Whatever you decide to do, you should know that it is our client?s policy to recover all outstanding debts in full. If there is any reason why you will not be making payment today, do not ignore this letter and contact us immediately.

 

 

what do I do??? I am worried and it looks like Enagic are going to try to get this money one way or another???? 

 

 

On 09/09/2019 at 14:48, dx100uk said:

stuff and all they can do to you.

 

simply ignore them and block and bounce their email address

 

NOTHING they can do to you

and no never seen them ever appear at a door to collect the doorstep.

 

stop panicking .

 

a DCA is NOT A BAILIFF

and have 

ZERO legal powers on any debt

 

So Enagic won't have anything to do with their debt now and it will just get swept under the carpet? I'm worried about Enagic themselves just as much as CLI. 

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it says we have been instructed.

By whom?

you need to understand things like AGENCY and LOCUS STANDI, ie who can sue you and who cant.

CLI are not solicitors so cant act on behalf of someone else and they dont own the debt so cant sue in their own name.

that is why they dotn actually say they are going to do anything.

Also an email isnt a PAP letter, another thing you need to read up on.

 

Next....

 

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Enagic Europe GmbH are the client and people chasing me for the money 

 

Creditor: Enagic Europe GmbH

CLI reference: EB / 

Debt Amount: GBP 757.24 = ?792.00 (contractual)

Interest: GBP 214.14

Compensation: GBP 0.00

Debt Collection Costs: GBP20.00

VAT on Collection Costs: GBP4.00

Balance due: GBP 995.38

?

Following non-payment of your overdue account, we have been instructed by our above client to proceed with formal recovery of the outstanding balance.

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how do they know you are getting and reading the emails?

that's why I said block and bounce.

 

 

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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  • dx100uk changed the title to CLI chasing Enagic Water Purifier Europe FB business ad i fell for

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