Jump to content


  • Tweets

  • Posts

    • 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!
  • Our picks

tarm39

CLI threaten doorstepper over Enagic Europe FB business ads

Recommended Posts

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. 

 

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! 

Share this post


Link to post
Share on other sites

Wouldn't it be fun to tell them you've moved to Italy and give them an address in one of the gigantic blocks with 1000 flats sharing the same address (yes, you heard it right!).

They identify the recipient by family name, but most intercoms are blank, so letters are simply left on a bench on ground floor.

  • Thanks 1

Share this post


Link to post
Share on other sites

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 

Share this post


Link to post
Share on other sites

had had the doorstep collection email from them on the 6th August

 

still waiting for them to call .......

 

 

  • Thanks 1

Share this post


Link to post
Share on other sites

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? 

Share this post


Link to post
Share on other sites

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 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 

 

Share this post


Link to post
Share on other sites

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! 

 

Share this post


Link to post
Share on other sites

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

 

 

  • Thanks 1

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

Share this post


Link to post
Share on other sites

plenty of CLI threads here to read.

block and bounce their emails

 

dx

 

  • Like 1

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 

 

Share this post


Link to post
Share on other sites

I'm just wondering is there any action that they can take to recover this debt? What happens now? 

Share this post


Link to post
Share on other sites
On 03/09/2019 at 11:45, efc2011 said:

had had the doorstep collection email from them on the 6th August

 

still waiting for them to call .......

 

 

 

 

Any news? 

Share this post


Link to post
Share on other sites

not a lot they can do to you

 

 


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 

 

Share this post


Link to post
Share on other sites
1 minute ago, dx100uk said:

not a lot they can do to you

 

 

 

So do they now own the debt? Or shall I still expect to have to pay this? 

Share this post


Link to post
Share on other sites

title updated this is not an Italian PCN.

 

there is nothing they can do to you follow post 9


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 

 

Share this post


Link to post
Share on other sites

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? 

Share this post


Link to post
Share on other sites

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 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 

 

Share this post


Link to post
Share on other sites

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 

Share this post


Link to post
Share on other sites

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 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 

 

Share this post


Link to post
Share on other sites

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. 

Share this post


Link to post
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 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 

 

Share this post


Link to post
Share on other sites

And if they've written to an old address? Im guessing unless the person's returned to sender, they will have followed the written laws? 

Share this post


Link to post
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 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 

 

Share this post


Link to post
Share on other sites
8 hours ago, tarm39 said:

 

 

Any news? 

 

no nothing as of yet

Share this post


Link to post
Share on other sites

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.

Share this post


Link to post
Share on other sites

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. 

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...