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Centrica/CST claimform - Industrial Training Bond .


BadMojo
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credit style do not own the debt, Centrica does

so are the only one that can instruct a solicitor to issue a court claim are Centrica not some tinpot powerless dca.

 

but ofcourse any real solicitor, not a fake/tame paperwork only or more correctly,... can I borrow your letterhead mr solicitor if I give you a cut should this mug cough up - dca use of it...will know they have to abide by the pre action protocol procedure and send a letter of claim first, not just issue a request to northants robocourt for them to raise a speculative court claim 

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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BadMojo,

Have you done anything since your last post on Friday?

 

Seems I’m 2 steps behind you now with your exact same first letter.

 

I also started British Gas in 2015 and left 2017 and have heard NOTHING regarding this debt barring my last wage being taken 3 years ago and this letter now.

 

Let me know what you do because before I’d read you comment, I nearly just give them then money but I don’t really want to.

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god no!!

please create your own topic by hitting create in the top red banner

 

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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  • 2 weeks later...

I've received a new letter with a CST Law letterhead.

They say they've been passed my account for review.

They are now assessing my account for possible legal action in order to recover the alleged debt.

 

If they issue legal proceedings and it results in a CCJ the amount will increase (they itemise court fees and solicitor's fees).

 

If I do not pay the amount or contact they within seven days legal action may commence to recover the balance without further notice to me.

 

looking for comment and advise again please?

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not a letter of claim

 

std rubbish every fake/tame paperwork only solicitor sends out for DCA's every day.

probably not even them that sent it but the DCA using their letterhead in the same printer the last threat-o-gram came from.

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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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they are lawyers who are acting as debt collectors and hope that the use of their letterhad frightens you into paying up in the same way as DCBL like to remind peopel they are bailiffs when acting as a letter writer

advice remains the same, wait for Centrica to decide what they are doing and then challenge them to show the exact amount without the added unicorn food tax

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  • 3 weeks later...
  • 2 months later...

Hi BadMojo, 

 

Have you heard anything since receiving that letter from CST law? I've received mine today (after receiving letters from Credit Style)  and it's for the training bond for leaving British gas i left within the first year so they're stating i owe over £9,000 :( ... The letter states 'Our client' 'possible legal action' and 'new balance if a CCJ is obtained' among other things. Thanks for advice/help regarding this matter 

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sounds like a std threat-o-gram hoping to find a mug to fleece.

and of course the letter doesn't say will anything.

 

as long as the client (the 'debt' owner) has your correct and current address and you have not moved, very safe to ignore.

 

ther are no examples I can find of any legal action by BG involving these 'courses' .

 

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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From their point of view it's actually excellent business practice.  They know that there is zero chance of them being able to enforce anything but if they can send out , say 1000 letters, 3 or 4 will poo themselves and pay up. All for the outlay of using an unpaid intern to type up a 'scary' letter and some second class stamps.

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  • dx100uk changed the title to British Gas Industrial Training Bond debt collection advice
  • 2 months later...

open

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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Posted (edited)

Good Afternoon Everyone

 

Well, after a period of silence, today I received a letter from the County Courts. Centrica are now pursuing me for 'overpayment of salary/expenses full particulars of which have been previously supplied.' The grand sum of £3404.34. Which includes interest and court fees.

 

Bit of a shock tbh.

 

So I'm back here asking for some advice please. Tell me what you need to know...

 

Up to this point I have not been responding to the collection agencies letters and there has been a long period of time since the last letters. I do not recall every receiving documentation fully explaining what and why I owe them any money.

 

I have spoken with an old work colleague that left just before me and he hasn't heard anything recently, nor has the person he's been in touch with. However, they have previously responded to the letters and disputed they owed any money, saying they have signed nothing, or been provided with no documentation to show/prove they do. That's the only difference (I haven't replied to dispute anything.)

Edited by BadMojo
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  • dx100uk changed the title to British Gas Industrial Training Bond Claimform.

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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Name of the Claimant ? Centrica PLC

 

Date of issue –  13 Jul 2021

 

Date  to acknowledge) = 30.07.21

 

date to submit defence = 13.08.2021 (33 days in total) -

 

 

Particulars of Claim

 

What is the claim for – the reason they have issued the claim? 

 

1.The Claimant's claim is in respect of an overpayment of salary/expenses, full particulars of which have been previously supplied.

 

2.And the claimant claims 2781 GBP, Account No. xxxxxx, 339 GBP,

interest thereon in accordance with Section 69a of the County Courts Act 1984 at the rate of 8.00% p.a calculated from the date upon which payment became due to the date hereof as set out below.

Further interest at the rate of 0.61 GBP per day (8.00% p.a.) to judgement or payment.

 

What is the total value of the claim? £3404.34
 

Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? I have not received a 'letter of claim'. The only letters I have received are from DCA threatening potential legal action and court proceedings.
 

Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No
 

Did you inform the claimant of your change of address? n/a

Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? No
 

When did you enter into the original agreement before or after April 2007 ?  Employment commenced, any paperwork signed, 2015
 

Do you recall how you entered into the agreement...On line /In branch/By post ? Signed offer of employment via email and then perhaps some further paperwork at their premises (training academy Leeds) during induction Nov 2015
 

Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? No. I cannot see any reference to this alleged 'debt'.
 

Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Unsure. Claimant is Centrica. 'Address for sending documents and payments' is CST LAW, Sheffield.
 

Were you aware the account had been assigned – did you receive a Notice of Assignment? Unsure how to answer this.
 

Did you receive a Default Notice from the original creditor? I received several letters claiming I owed them money. Unsure if any of those count as a 'Default Notice'
 

Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? n/a
 

Why did you cease payments? n/a
 

What was the date of your last payment? n/a
 

Was there a dispute with the original creditor that remains unresolved? I dispute owing them any money, but have not written to them (after receiving advice here).
 

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No. But I may have to.
 

What you need to do now.

 

Answer the questions above

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Please read up on estoppel – follow the link.

I know that you've explained in your opening post about what happened – but I still don't really understand.

I do understand that they paid for some kind of training programme and the deal was that if you left before a certain time that you would have to repay a certain amount of money. This is on a sliding scale – one year, two years, three years.

You left in the third year and so they are claiming back money for that final year.

How is the money meant to be repaid to them? Was it meant to be deducted from your pay? Have you had any indication that the money had been fully deducted and that there was none further outstanding? Or did you have any inkling that there was still money owed?

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  • dx100uk changed the title to Centrica/CST claimform - Industrial Training Bond .

i will suspect the claimant knows nothing about CST law doing this.

 

On 21/05/2020 at 10:33, Engineer12 said:

under training bond compliance they can only try and get back any external costs.

All training was in house at the company at their “academy” 

 

 

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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Posted (edited)

@BankFodderThe training bond was some sort of contractual agreement whereby Centrica claim back, on a sliding scale, their 'training costs' if you leave business within 3 years. I admit, I was aware of it.

 

My last payslip was November 2017, but 100% of it was deducted as payback for this training bond. (As I recall. I need to dig out the actual payslip, but I've checked my bank account and no money went into my account that month.) There was no credit agreement. It wasn't a loan. It didn't need 'paying back' during my time with the business. It was just something they claimed was their in-house training costs, which they would claw back if you left within 3 years. All training was in-house. They had their own academy and staff.

 

After the last payslip deduction I heard nothing for a while (until I created this thread) and I considered the matter closed. On leaving I was advised by the union rep that I shouldn't raise the subject and that he was unaware of anyone, ever, being approached for the money after leaving the company. So when they took all my wages that last month, I left it at that, as I was well into my 3rd year and regarded the matter closed with the money they reclaimed.

Edited by BadMojo
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I have to say that I still don't really understand what you are saying about how the debt was meant to be repaid - and how it was actually managed.

The point is that they are probably only two defences.
One is that in fact the money was repaid and they have misunderstood or miscalculated. Second is to defend on an estoppel which is basically that they were in charge of deducting payments from you and there was no reason for you to imagine that they hadn't deducted everything that was owed and that there was no reason for you to imagine that there was something outstanding.
In other words, all the signs were that the "debt" had been fully repaid and the problem was caused by their error not yours. You took at face value and in good faith you believe that the money had been paid and that you didn't have anything.

 

In order to run an estoppel you will have to convince a court that you absolutely relied on their authority and management of the deductions and there is no way that you or any reasonable person could afford any suspicion that the debt hadn't been completely repaid.

If you can convince a court then the claimant would be prevented "estopped" from asserting the debt.
If you are unable to show that level of good faith then the court find against you and you would lose.

 

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