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    • Probably the case @lookinforinfo Also an update, I've got the registered keeper letter. Just to check that I continue to ignore it until PAP letter comes in?
    • Thanks very much Bank. I've now done a lot of reading and have drafted my Letter of Claim as attached. I look forward to your comments. 16Apr24 draft Letter of Claim against Parcel2Go.pdf16Apr24 draft Letter of Claim against Parcel2Go.pdf16Apr24 draft Letter of Claim against Parcel2Go.pdf
    • ive already CAREFULLY explained how it all works earlier. what you will have to pay is already preset and detailed on the court forms/TfL stuff you already have. you wont be asked any questions upon your financial means etc. thats not under debate . you wont be asked upon any mitigating circumstances, you have pleaded guity which you always SHOULD.  the ONLY 2 reasons you are attending is to: 1) after finding the TfL prosecutor... plead directly face to face before you go in to try and get an OOC (you can bring up or say anything/everything you like ...anything that might get them to agree) 2) if 1 fails...show your genuine remorse face to face to the magistrate, BRIEFLY mention how a criminal record would hinder your future then hope they take pity on you and dont also record this on your file.  PS its only declarable/shows there for one year anyway. regardless to what an employer might ask in job questionnaires past 1yrs you forget about it. they cannot see it even on enhanced DBS etc etc. you should not latterly ever appeal a criminal record for this type (1yrs)  of 'offence' its not worth it and if you lose said appeal it will cost your dear in terms of additional wages grabbing and court fees. and extends the time it shows if you lose too. dx  
    • hit letter of claim follow post 2 despite repeated requests, the claimant has failed to produce any enforceable paperwork.
    • FTMDave - your cold light of day suspicions are correct, alas. Just had this back... Thank you for your email. I was very sorry to learn that you recently received a parking charge notice after shopping at our Kearsley Manchester Rd Express store. I appreciate this is always frustrating, especially as you'd just nipped in for the one item. I've had a look, and I can confirm that in this case the car park at this store is entirely owned by a third party - it is not owned or operated by Tesco in any way. The parking charge issued is on behalf of that third party, although I appreciate it does state Tesco on the letter. Regrettably as the car park is owned and operated by a separate company we don't have any form of influence or control over the parking charges issued. In this case, I can only recommend that you follow the appeals process outlined on the letter directly to take the matter up with UKPPO directly. I'm sorry that I cannot offer further help in this case.  Please do not hesitate to contact me again should you require anything further.  Kind regards Ewan Kelly Customer Service Specialist On behalf of the Chief Executive’s Office
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Help required regarding debts


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OK so I’ve mucked up by burying my head in the sand to long and not following the advice given.
 

I might have some Pay Plan paperwork so that will list all the creditors at the time.  

 

I’ll write to each one of them but for those that I’ve never heard from since stopping payments am I not causing more problems for myself.  

 

I thought I’d read that after 6 years of no contact or payments then the debt becomes SB and if I write to them the 6 years starts again.

 

Also even if they did have my correct address would they still not have been able to get a CCJ.

 

Thank you for your help 

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nothing can reset the SB clock not even a judge.

 

 

but you need to be aware that if a court claim is raised against an old address then its called a roboclaim.

i'e ...NO HUMAN at the court checks or sees anything...which is why its called northants bulk court, its automictic all done by computers.

 

a DCA couldn't care less if the debt is SB ...cause they know no-one will check anything.

 

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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Hi.  I’m back.  I’ve managed to find information to write to our creditors.

 

In the letters do I advise of my husband’s situation of poor health and we survive on benefits or do I just write to them and confirm that they have the correct address.

 

Many Thanks

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You simply inform change of address

the rest is none of their business

dont forget

use their ref no. And refer to oc and their org number too

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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:rockon:

and don't ever sign the letter 

just type  your name

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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  • 3 months later...

Sorry but I’m not sure what to do.

 

As advised I wrote to all creditors officially advising of our current address even though a few were already writing to us so they obviously found us.  

 

I was reading a post on Facebook and someone who admin on the group has said they shouldn’t write to any creditors advising of their current address as it’s acknowledging the debt and may reset the 6 years of limitation.

 

is this correct?  

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std stupid facebook twaddle

ofcourse its not acking any debt

 

whomever said that wants shooting and fronting out

so they'd rather their readers get a bundle of backdoor CCJ's then..idiots all of them..:crazy:

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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Thank you.  I wanted to comment but didn’t.  He said why tell them your current address if they were already writing to you at the address.

 

sorry I just got a bit worried.  I’ll be leaving that group.

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pers i'd point it out to him in public.

 

the fact that whoever is already writing to someone with phishing letters

having gotten the correct address from say your credit file

does NOT protect you against backdoor CCJ's

 

unless you write informing your creditors or debt owners of a change of address they can and WILL legally issue the claim against the last address registered for the account.

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...

Hi me again.

 

Was speaking to Nationaldebtline.org and they asked about unsecured debts and if any payments or contact had been made by me or my husband.  

 

I advised when payments were last made (April 2014) and I wrote to them advising of new address in January 2020.  

He said unfortunately this is classed as acknowledging the debt and I have reset the clock.  

He said he wouldn’t have advised writing to them so close to becoming stature barred.  

I screen shot the conversation but not sure if I can add pictures.  

 

I said I’d only heard from 2 of them, 1 being the mortgage company and the other the secured loan who said they would change unless I signed which I didn’t.  

He said the 12 years has been reset with these 2 debts.

 

Im really stressed to bits and no clue how to process.

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Quote

I wrote to them advising of new address in January 2020.  He said unfortunately this is classed as acknowledging the debt and I have reset the clock

 

 

No its not......the debts are statute barred if April 2014 was the last payment.

 

Andy

We could do with some help from you.

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

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I’m just really scared.  If these are trained people who are supposed to give people correct information why say I’ve reset the 6 years and they can chase me for another 6 years.

 

I did think though it these people who have acknowledged my new address (I found a unsecured debt that wrote back in January acknowledging the new address) then why haven’t they started chasing me already 

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NDL spouting absolute twaddle again...😮

what are you scared about?

 

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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On 21/05/2020 at 12:56, Sirbob00 said:

 

 

I advised when payments were last made (April 2014) and I wrote to them advising of new address in January 2020.  

He said unfortunately this is classed as acknowledging the debt and I have reset the clock.  

 

 

This is either a lie or ignorance of the law. Incorrect!

On 21/05/2020 at 13:54, Sirbob00 said:

I’m just really scared.  If these are trained people who are supposed to give people correct information why say I’ve reset the 6 years and they can chase me for another 6 years.

 

I did think though it these people who have acknowledged my new address (I found a unsecured debt that wrote back in January acknowledging the new address) then why haven’t they started chasing me already 

 

They are wrong!

 

On 07/05/2020 at 15:35, Sirbob00 said:

Sorry but I’m not sure what to do.

 

As advised I wrote to all creditors officially advising of our current address even though a few were already writing to us so they obviously found us.  

 

I was reading a post on Facebook and someone who admin on the group has said they shouldn’t write to any creditors advising of their current address as it’s acknowledging the debt and may reset the 6 years of limitation.

 

is this correct?  

 

This is actually dangerous misinformation.

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

 

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On our Facebook Group ...CAG ?

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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Thank heavens......you need to keep away from Sites that ill inform you and so called Debt Advice Services...its not good for your health :wink:

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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split some posts off as it's getting far too confusing with all these debts in one thread

this is a thread about your picture loan

 

 

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 month later...

natwest debts now here:

 

 

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 month later...

I’m signed up to both Clearscore and Credit Karma. Should they show the same information?

 

2 defaults I have are my mortgage and a credit card.  On CK they show as being updated monthly and the default dates, but CS says my mortgage was last updated May 2019 and the credit card in 2016 but doesn’t show the default dates just they are in default.

 

My credit card defaulted on 14th October 2014 and my mortgage 10th September 2014.

 

 

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makes no odds really.

 

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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  • 1 year later...

I know I’ve a thread on this subject already so hoping my question can be added to the thread.

 

After many years of debt my husband and I are starting to see light at the end of the tunnel.

 

Jointly we still have the mortgage shortfall after repossession and the secured loan that was on top of it.  Both last paid in 2014 June/July time.  So aware they can still be chased.

 

Husband has 2 CCJ’s that due to burying our heads  in the sand we didn’t challenge.  Both show on his credit file and both will be 6years next year since CCJ’s granted. Maybe they’ll start writing to him soon but not sure.  When they fall off his report and I know they’ll never be statute barred if they go to court to reopen them would we have an option to defend then or has that chance completely gone?  One if for an old Capital One CC for £774 and the other MBNA for over £13,000.

 

Many Thanks

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is this the cap1 debt?

you never said there it had a ccj?

as for the mbna ccy..you'll see ive reopened the thread...update there please

 

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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