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    • Well we can't predict what the judge will believe. PE will say that they responded in the deadline and you will say they don't. Nobody can tell what a random DJ will decide. However if you go for an OOC settlement you should still be able to get some money
    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
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    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
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CLI chasing Enagic Water Purifier Europe FB business ad i fell for


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you cant ignore something you have not received.

stop fretting.

 

 

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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1 hour ago, tarm39 said:

the appropriate Court in your jurisdiction

 

they don't even know what country you are in!!

as above..

if they knew they'd not make the stupid above comment.

 

for the rest I refer you to my post 20

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

 

  • Like 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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Appreciate the feedback.

The 48 hours they gave before taking legal action ended on Saturday and I was expecting an email today but I didn't get one.

Maybe tomorrow... 

 

This is the main worry in my life right now above everything and I dont think it's just going to disappear.

What happens when CLI don't get any responses from me...

What will Enagic do? 

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what part of they cant do anything are you failing to understand?

 

BLOCK and bounce their/all email addresses

it is NOT a recognised mode of communication concerning legal issues

let alone for a foreign debt.

let alone from a dca THAT IS NOT A BAILIFF

No DCA ever can be.

let alone are NOT even registered in this country with the appropriate authorities in the UK.

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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stop worrying and take the advice dx100uk is giving you, don't let it take over your life

 

when i first started to get emails i was worried too until i read the advice off this forum and did a little checking up on CLI, now i honestly don't think about it, they threatened me with a doorstep visit

 

it never happened

 

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im not so worried about CLI now but I am worried about the debt itself and Enagic (the company who are trying to get the money off me and who i actually owe the money to). 

 

I know that they cant do anything but threaten etc but what happens to the debt now?

What happens when I ignore them?

will Enagic take it further themselves?

Will they give up? 

this is what i am worried about deep down as I can't imagine this sort of thing just "goes away"... 

 

Thank you for reassuring me about CLI.

I'm not really worried about CLI themselves to be honest,

im more concerned about the actual debt itself and Enagic who I owe the money to.

 

Will they take things further after CLI have had no joy?

 

I just don't want to think im all clear and not to worry about anything and get on with my life, for a letter from a solicitor / Enagic themselves  in 6 months time. THIS is what I am worried about primarily.

 

CLI can email me all they like but I just dont want to assume nothing will happen to this debt now if there's a chance I could end up in court one way or another. 

 

Sorry if it sounds like im ignoring what you're saying, trust me, i am not.

 

Your advice has been priceless and I am deeply grateful for your help because without your help and this website I would honestly be going out of my mind with worry. 

thank you again. 

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go find any evidence anywhere on the interweb that proves your worry Enagic have issued any court claims in the UK for a foreign debt...

there are not any.

 

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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  • 2 weeks later...

 

So all has gone quiet from CLI. No emails in over a week after the last and final reminder... Im guessing they have now told Enagic that they've not been able to recover the money. 

 

Now what happens?

I'm worried about getting a court letter through the post from Enagic / solicitors. 

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stuff all a solicitor can do to you...

stuff all Enagic can do to you..

 

 

move on with 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

Agree, move on with your life.

 

However, If you do move address, it may be worth sending a letter or email to any companies you have had dealings with including Enagic, just confirming your new address.  This is to ensure you receive any future communications, to avoid any company using your old address, to gain any Court judgement by default, as you could not defend.

We could do with some help from you.

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

 

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Won't that make it easier for them to take me to court? 

 

I've not heard anything at all since that last email but I'm guessing now that means CLI have informed Enagic that they were unable to retrieve the money and now Enagic could be preparing to take it further? Or they might leave it? 

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No. 

 

Are you one of these people who just move addess and don't bother advising your new address ?  I have known people like this and they tend to be the ones who always seem to have problems.

 

CLI were a cheap option for Enagic, aa CLI just provide standard letters to chase for debts.

 

Up to Enagic what they do next.  Just make sure you can receive their communications, that you read them and if you ever receive a Solicitors letter or Court claim, that you seek further advice.

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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  • 11 months later...

Hello all, 

 

Today I received a final notice letter from Insurance Collections Bureau. 

 

In 2016 I joined a company called Enagic, i was supposed to pay £200 for two machines, but I cancelled my direct debit a month later as I felt I was massively conned into it and my whole financial situation turned upside down. 

 

I had no communication from them whatsoever and last August (2019) I received emails from ICB claiming they were going to visit me and that they'd take further action. But after posting on here I was told they can't do anything so I ignored them. 

 

Fast forward to now and I received a letter in September from them saying the same thing initially that I had to pay the debt owed to Enagic which amounts to just shy of £2000. 

 

I ignored the letters but was slightly concerned that they managed to find my address. They sent another letter today saying they would take further action if I don't reply within 7 days to pay or set up a payment plan. 

 

This decision to join Enagic cost me thousands in FB Ads I was duped into paying for as well as having to sell my car and pay off a payday loan for years. This was certainly the worst financial decision of my life and it haunts me to this day. I just got laid off at my job thanks to the pandemic so I am looking for work and I have absolutely no idea what to do. 

 

Can ICB do anything? This initially started in March 2016 and I stopped paying shortly after. I have heard absolutely nothing from Enagic themselves, only ICB who clearly failed to intimidate me last August and September, I was wondering why only 12 months later are they trying again but this time writing to me not just via email. In their letter today they said they know I live at my address. 

 

What shall I do?

 

 

Thank you so much in advance for your help. 

 

Tarm. 

 

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On 03/09/2019 at 12:32, dx100uk said:

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

 

 

threads merged

i refer you back to post 6 almost a years ago and repeated about 10 times already

 

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

Thank you Dx, 

 

Although this time they are threatening with written correspondence. Not just email. 

 

Also I am worried that Enagic will take me to court.

I know DCAs can't do anything but it surely doesn't just end there?

 

I will be receiving another letter soon, what should I do if it is a court letter?

I know CLI threatened before but that was only via email but now they are writing to me and confirming that they know I live there.

 

I just want a bit more in depth advise if possible other than to simply ignore as now they are writing rather than email.

Does this change anything?

What happens to the debt? 

 

Just to add also, isn't it strange how in September 2019 they start threatening, and then through October.

Then it goes quiet for 12 months and now the letters start in September 2020 and though to October?

 

Is there some kind of pattern with these companies?

Also I wonder if Covid has any restrictions on these companies? 

 

I am just worried as a whole, Ive always suffered with anxiety especially around money. 

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Come back when you actually receive anything in writing to your current address.

 

Andy

We could do with some help from you.

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scan them up to one multipage PDF

read upload Carefully

 

but i bet they don't say WILL anything.

 

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

and for more than a year and 50 posts in and you're still sweating about receiving crap like that...:pound:

 

 

 

 

 

 

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... 

Link to post
Share on other sites

Ive never been threatened to have action taken against me before and I suffer with anxiety so it worries me.

 

So even with the written correspondence, I have absolutely nothing to be concerned about?

Nothing at all?

Can you honestly say that nothing further will happen? 

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what does it say will happen?

what has every email for more than a years has said what will happen?

 

 

 

 

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... 

Link to post
Share on other sites

The letter says that they have advised the client (Enagic) that I haven't responded and further action can be taken, and that I have 7 days to get in touch to prevent further action being taken.

 

To me this says they are going to threaten me some more and there is a possibility it will be taken further?

Now they have actually written to me rather than just emails which weren't a proper form of communication. 

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