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    • For a number of years a girl has been evading rail fares and giving my name and address also my daughter’s name and address and my husband’s name and address changing his name from Eric to Erica. We have contacted the police before who said there Was nothing they could do. This has happened about eight times with different rail companies each time it involves making a number of calls sometimes having to reason with debt collection agency.  When letters started arriving again with my surname wrongly spelt I returned them with not known at this address. However I then received a letter from the Bailiff with my correct spelling of the name and now also correct date of birth (previously they had the wrong date of birth) and i now know that this has gone to a court and I was found guilty even though it was not me who made the train journey. I have had to apply to the court for the case to be reopened, and I can prove that at the time I was at the opposite end of the country. The date of birth given by the offender was 25 years younger than mine so she’s obviously a younger girl. However I am worried that this will affect my DBS. I work as a carer on minimum wage and cannot afford to lose my job. Apart from which the stress and anxiety this causes every time is immense. I often have to make phone calls using higher than normal cost  0300 numbers to try to resolve this.  Surely the train company Arriva north should have some responsibility for confirming the identity of a person invading a rail fare. It seems that you can just give any name taken from the electoral roll without having to show ID. Would I have a case against arriva for putting me in this situation? It’s also confounds me that when the matter goes to court they then check on a database for the correct spelling of my name and the correct date of birth, and so the first thing that was sent to me with my correct details was the fine from the court. Previous to that there were letters in effect addressed to a different person with a wrong spelling of my surname.I know it is illegal to open letters belonging to another person. Although I suppose I could reasonably expect it might of been for me because the name was out by one letter. I certainly don’t want to pay the £250 fine. This is been going on for some five years.  My daughter has a whole file of letters.  Sometimes train companies have responded by adding a password so that when the person gets stopped they have to give a secret word. But the offender is doing this all around the country and there are many different rail companies involved. However this is the first time I believe it has gone to court
    • Hi Guys.    In 2016 I had a PDL with The Money Shop.   Due to financial difficulty I stopped paying it in January 2017.   Recently out of the blue I started receiving emails from CRS about the debt. They were duly ignored.   Within them was an email about sending me a Letter Before Claim (they didn't) as well as a couple of repeated emails about the implications of a CCJ. They have my address and I haven't moved since the debt was accrued.    A couple of days ago I received a letter from AJJB Law being very disappointed in me for not replying to CRS and telling me that their client is entitled to possibly pursue proceeding without further action.   Usually I would send an IRL claim to InstantCashLoans, but with them in the hands of Administrators that is no longer possible.   Also worth noting that on my credit file the debt is marked as owned by ICL - Trading as TheMoneyShop. This has been marked as 'Delinquent' every month since Jan 2017. There is no default registered.   So, whilst I am kind of sure that I'm still safely in the 'ignore these chancers' category, I was wondering if anyone had any advice on if I should perhaps tackle this in a different way?   Also, if the debt on my credit file is just marked as delinquent when will it fall off, if ever? 
    • These letters relate to very historic  collection/recovery "service failures" concerning current accounts, credit cards and loans   I have not had an account or debt with HSBC since 2008 My gut feeling is that it maybe connected to the use of their fake inhouse  collectors  Payment Sevices (PSB), Metropolitan and DG Solicitory but I will know more when they reply to my letter demanding details
    • Short update.Received an acknowledgement letter from PRA re SAR request. They say the will respond to my request by December 17th 2020.
    • I think I just have to clarify what my site team colleague said above. It's not only a question about being aware – you also must have asserted your rights within the first 30 days. Send them an email straightaway. Refer to your short-term right to reject the vehicle under the consumer rights act and that in view of the defects which have manifested themselves, and you are asserting your right to reject and you are rejecting the vehicle and that they should make arrangements to collect it or receive it from you and to refund your money. You must do this straightaway. Meaning tonight. Don't hang around Even if you feel that you might want to hang onto the car, you should assert the right to reject in order to reserve your position. Once you have done that and come back to this thread and tell us more about it. In particular, who is the dealer? Have you had on exchanges with them about this? What have they said? Where is the vehicle now and what is its condition?   In fact I see the you had the day wrong. You said it was yesterday – which was 1 December. Assert your right to reject now – by email. You don't want to get into some kind of argument about whether it was this day or that day. Put it beyond question and assert your right now. Then afterwards we can discuss your situation
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Hi All,

 

Some great threads on here and thanks for sharing your thoughts.

 

I have also also received a PAP from Moriarty regarding ADCB, and after filtering though hundreds on replies on here (Moriarty, CWD, IDRWW etc),  i have not come across one example of UAE debt being enforced the UK. Some members have indicated that they have been enforced. However, when asked to share details they go silent or avert the question. 

 

Any thoughts on this?

 

 

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as you can see we are working on a suitable generic pap reply at present for everyone.

 

yes people go silent

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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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I know 2.  

I am quiet because this site is monitored by those people/company.  

This is then added to their claim costs. 

Even the barrister told me to be mindful about what goes online. 

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Simply said to stifle you from giving us the info to properly help you and you seeking advice

 

And how, because you use a website and they have to monitor it those costs is laughable twaddle

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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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8 hours ago, SquaddyP said:

I know 2.   I am quiet because this site is monitored by those people/company.  This is then added to their claim costs. 

Even the barrister told me to be mindful about what goes online. 

You've got a barrister? Not a solicitor?

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How can chatting within an open forum add claim costs - complete rubbish!

 

Its freedom of speech - the power or right to express one's opinions without censorship, restraint, or legal penalty!

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But why would it matter if they were watching. Its makes absolutely no difference whatsoever.

 

Persons participating within these forums have a right to express their own thoughts and advice - its is after all an ACTION GROUP. The only exception to this would be a breach of GDPR 2018. 

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Haha I call bs 

 

You can post what you like - only thing you will do is give these vultures a heads up to your defence strat and more time to prepare (if they even show up). 

 

Only time you can’t post to social media (guessing this would be considered that) is during a criminal case. Afte a verdict you would be free to express your opinion. 

 

Not sure debt recovery constitutes that as you have no jury to persuade with your posts only thing you could do is give the defence ammo

 

Now me thinking this is all common sense and it being true are different things, I’m not a trained professional, but it seems from my digging on the site we have some people spreading rumour, fear and information, that could prevent others from getting the good advice they need from CAG

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I may be new on here which i think is an advantage when it comes to understanding scaremongering.

 

Regrading cases - my interest would in the outcomes of UAE debt being successfully enforced by a claimant in the UK - however, going back to my original point - there is no objective information on here to demonstrate this as all goes silent. 

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43 minutes ago, Chipz said:

Haha I call bs 

 

You can post what you like - only thing you will do is give these vultures a heads up to your defence strat and more time to prepare (if they even show up). 

 

Only time you can’t post to social media (guessing this would be considered that) is during a criminal case. Afte a verdict you would be free to express your opinion. 

 

Not sure debt recovery constitutes that as you have no jury to persuade with your posts only thing you could do is give the defence ammo

 

Now me thinking this is all common sense and it being true are different things, I’m not a trained professional, but it seems from my digging on the site we have some people spreading rumour, fear and information, that could prevent others from getting the good advice they need from CAG

 

:rockon::rockon::rockon:

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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Well i am completely confused now.

 

Hundreds of threads on here says UAE is not enforceable in UK and now based on this does this now mean it is?

 

Or does it mean that it was not challenged?

 

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On what grounds would you suspend it on dx?

 

I have read through the threads here and cant get my head around #103 - Is this a summary and not yet been enforced?

 

...did Squaddy not turn up at court?

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@rgaine - I am new to this and only joined the group at the weekend. I too have recently been sent PAP of which i have replied and ticket D & I and await a response.

 

My question would be what are the next potential stages.....i.e they send documents back? I go back with? they send ..........etc

 

The whole Squaddy summary judgement has made take this a bit more seriously.........or am i jumping to conclusions?

 

Any advise is very much appreciated.....

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own thread created

 

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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