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    • In terms of "why didn't I make a claim" - well, that has to be understood in the context of the long-standing legal battle and all its permuations with the shark. In essence there was a repo and probable fire sale of the leasehold property - which would have led to me initiating the complaint/ claim v SPF in summer 19. But there was no quick sale. And battle commenced and it ain't done yet 5y later. A potential sale morphed into trying to do a debt deal and then into a full blown battle heading to trial - based on the shark deliberately racking up costs just so the ceo can keep the property for himself.  Along the way they have launched claims in 4 different counties -v- me - trying to get a backdoor B. (Haven't yet succeeded) Simultaneously I got dragged into a contentious forfeiture claim and then into a lease extension debacle - both of which lasted 3y. (I have an association with the freeholders and handled all that legal stuff too) I had some (friend paid for) legal support to begin with.  But mostly I have handled every thing alone.  The sheer weight of all the different cases has been pretty overwhelming. And tedious.  I'm battling an aggressive financial shark that has investors giving them 00s of millions. They've employed teams of expensive lawyers and barristers. And also got juniors doing the boring menial tasks. And, of course, in text book style they've delayed issues on purpose and then sent 000's of docs to read at the 11th hour. Which I not only boringly did read,  but also simultaneously filed for ease of reference later - which has come in very handy in speeding up collating legal bundles and being able to find evidence quickly.  It's also how I found out the damning stuff I could use -v- them.  Bottom line - I haven't really had a moment to breath for 5y. I've had to write a statement recently. And asked a clinic for advice. One of the volunteers asked how I got into this situation.  Which prompted me to say it all started when I got bad advice from a broker. Which kick-started me in to thinking I really should look into making some kind of formal complaint -v- the broker.  Which is where I am now.  Extenuating circumstances as to why I'm complaining so late.  But hopefully still in time ??  
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Backdoor CCJ Capquest / Shop Direct


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because no one has posted on it for the last 1556 days.

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at the bottom of one of the posts.

 

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Start your own new thread

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Hi everybody I hope u are ok ,

 

Following an email from clear score I was made aware of a new CCJ on my file, dated from November 2019.

I rang Northampton bulk centre to find out who it was from and they told me capquest / shop direct.

 

The lady on the phone advised me of my options and she is sending me paperwork in the post to set the claim aside .

I really understand I should of updated littlewoods with my new address but since it went to capquest I didn’t think to bother so plz be nice . 

 

I think it dates back to 2015 ,

around Christmas time my ex girlfriend decided to use my account to buy her self and friends Christmas presents on my account .

I used to pay on time every time , but the latest order (2015) there was nothing paid .

 

I was struggling a long time ago with shop direct , and they accepted £1 a month until I got a job. 

however when I paid the balance they upped my credit limit . 

 

I greatly anticipate your sound advice and I really hope u are well.

 

thanks 

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have you got a copy of the claimform and the judgement coming by email PDF?

if not ring back and get them sent.

 

 

 

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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so going by this thread

 

is there a chance you did send Capquest a CCA request?

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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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 ?

 

 

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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

 

 

 

 

 

 

 

 

 

 

  • 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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Dx

thank you so much for all of your help this year ....you really are an angel you are a credit to this site

 

I’m sure 1000’s more would agree with me in saying that you are a perfect example of why nobody should lose hope in humanity the way society is starting to look today.

 

I really can’t find the words to express my gratitude for your gumption.

 

I really can’t apart from say thank you from the bottom of my heart. 

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In the meantime you may wish to address that Forthwith judgment and get a payment plan in place...before this escalates further. 

 

 

 

Andy

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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