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    • you need to realise that for every person that does come to CAG and register and tell their story...there are poss 10'000 that don't but search the interweb whereby threads that are here pop up relating to like issues they are searching upon.   Most CAG siteteam and many other registered Caggers give advice that bears this in mind and post information which not only informs the starter of a thread upon what to do, but also takes into consideration the readers from the interweb that also read the relevant advice given that might not be brave enough to register and fess up.   to that end, there is very little alternative than to appear to give 'grief' [you deserve it - tough] to a cagger should certain previous advice not have been followed.....yours is a very classic case of such. hey I've found a backdoor CCJ.   to put it bluntly, had you have followed such previous advice, you most certainly would not be in the situation you are in here now.. .so by example, not giving you grief, for future readers...………..   ...never ever move without informing a debt owner of a move of address on any consumer debt that you last used or paid within the last say 7yrs. your credit file is a major key to ascertaining that information.... .but don't just read this advice come to the consumeractiongroup.co.uk website and let us help.   lecture over... what can you do..or more importantly....what can a claimant do now they have a default forthwith judgement against you. well we can't guess.... they might simply ignore it as 1000's of people with CCJ's find out..but it becomes an issue should you wish to say get a mortgage, remortgage or further credit.   i'm not going to enter into any of that here...that's for the reader to start a thread here and seek advice on their individual situation specific to them as you have done....   so...  bearing the all of the above in mind...over to you with regard to this backdoor CCJ.   as for the other debts that you didn't action before...go read your old thread and action what appropriate advice is given there for each type of debt that has been given should you wish to avoid any further backdoor CCJ's.   dx                    
    • hello my very good helpful friend. I am afraid to say that i did not. As i did not realise the relevance of it.   Should i be doing this right now of anyone on my credit file ?   Plz don't give me grief if u have already advised me...   do i do the ccs request now to everybody in that thread ?    
    • aha busted and stupid ...no wonder you've got mixed information here. never trust anything they say ..they have a very bad reputation for stating the truth.   now can you go get your credit file please..   there are cases whereby a council on historic CTAX debts do go for a county court CCJ, but a liability order from a magistrates court has far more clout legally than a county court CCJ and i've never heard of a court sending a bailiff out for 'multiple' CCJ collection.   me thinks he is pulling the wool here a bit and has looked at your credit file and seen CCJ's too so thought he'd chance his arm and use those as further leverage.   don't worry about the sat visit simply ignore do not answer the door if he appears. your task is too gather data at present.   credit file please..        
    • Hi there, the company name on the bit of paper is:   Bristow & Sutor   Says the total amount £990.49 and this includes £235 enforement stage fees,  The CTAX was owed to North Tyneside Council. The guy also said that it wasn't just for CTAX. Other debts were combined.   I did leave other debts behind too when I moved. Perhaps a utility bill, credit card debts and a Provi doorstep loan.   I think the guy said that he would be back Saturday too. This is what I'm trying to avoid multiple visits. Don't want my mam to get upset.   Thanks for the help.   Bear
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Do CLI have any power to raise a CCJ for a debt that they do not own, e.g. a foreign debt? 

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only the owner of a debt can raise a court claim.

DCA letters say our client.

 

dx

 


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so they are powerless, and all these letters they write are just a waste of time? Or do you have any experience of them taking any sort of bold action, such as trying to gain physical entry into a property or the like?

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there is stuff and all a DCA can do to you

they are NOT BAILIFFS.

 

only bailiffs can force entry, but that's only on criminal magistrate fines

not consumer credit debt, even if the owner has got a CCJ, there is no right of force entry.


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does anyone have experience of CLI paying a visit?

I have ignored their letters and now I have receive a "notice of personal visit", stating that someone will come and try to find me, repeatedly, until they do.

 

I assume they have no legal power whatsoever, and even if they did find me I would be under no obbligation to let them into my property, right? 

 

I am inclined to keep ignoring them, unless someone has different advice?

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I would just add, for the benefit of those enjoying the delights of CLI correspondence, they the first letters they sent threatened prosecution. Now they don't seem to follow through on that and they switched to the different threat of 'personal visit'...

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own thread created that was a sticky note you sent me not a topic you started

 

there is stuff and all a DCA can do to you

they are NOT BAILIFFS.

 

only bailiffs can force entry, but that's only on criminal magistrate fines

not consumer credit debt, even if the owner has got a CCJ, there is no right of force entry.

 

 


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I realise it is unlikely they will do it but what if they turn up with an excuse (e.g. a delivery, or something)  when I am not at home and my children or my wife opened the door? What if they trick their way into the property? Could they possibly do it or is it illegal?

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grr.. THEY ARE NOT BAILIFFS

they cant enter any property or do ANYTHING.

 

 


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The CAG Interest Tutorial Read Here

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CLI just send out debt chasing letters for a fee. If the debt owner wants CLI to organise for a doorstep debt enquiry agent to make a visit, the debt owner would have to pay a fee to CLI to pay the company organising the visit.  

 

These doorstep agents have no powers. They just knock on the door, ask for DA1234 and if he is not they probably would not call again. If you are in, you don't have to speak to them. They will just ask you whether you want to pay a debt owing to x company. If the answer is no, they will leave and not return. They have earned the fee for the visit.

 

Very unlikely to happen. Not worth paying fees for such visits. 


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