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    • i would suggest that you stick to researching on here only. use our search top right for say CTAX or liability order.   you seriously have some wild theories, but those are understandable.   as i have said, there won't be a court hearing you need nor would that help you at all nor are expected to attend, it's not like that, it's merely a rubberstamp exercise .   there is no right of forced entry for bailiffs collecting CTAX debts. the bailiff process is one of a letter which will be entitled Notice of enforcement, this gives you 7 days to pay the sum it outlines with an associated fee of £75 for it being sent. the 2nd step will be a visit, you have no legal remit to engage with them at all, i i would not do so under any circumstances, that visit will add a further £235 fee those are the only things a bailiff can do. the most they can charge is a total of £310.   police do not ever get involved in civil matters like CTAX debt. not sure where you ever got that idea from.   its saturday now so use the W/end wisely, get reading up HERE ONLY it might well pay you on monday to go RING the council CTAX dept and plead poverty etc etc. it might also pay you to find the email address or even better phone number of your local MP and get him involved. they can do wonders.   dx 
    • NPAP see here: VCS Spycar PCN PAPLOC now Claimform - no stopping - London Southend Airport ***Claim Dismissed*** - Page 7 - Private Land Parking Enforcement - Consumer Action Group
    • Hi Stu and dx1000uk,   I have done the online assessment and as I suspected I already receive the maximum benefits available to me.   Yes I was referring to the fact that some times I know that non-payment of council tax can lead to imprisonment so thanks for clarifying.   let's say I can't make their demands for payment and they do send bailiffs in, I assume these are the type of bailiffs I can just not let in and then after a certain amount of attempts they give up right? does the council then not send the police round? This is what I can't work out and worries me.   The council already know that I am struggling and can't make the payments but when do I get my chance to tell a court or the police that it's not that I don't want to pay but that I can't pay?    Walshy
    • Hi Stu and dx1000uk,   I have done the online assessment and as I suspected I already receive the maximum benefits available ot me. Yes I was referring to the fact that some times I know that non-payment of council tax can lead to imprisonment so thanks for clarifying. But let's say I can't make their demands for payment and they do send bailiffs in, I assume these are the type of bailiffs I can just not let in and then after a certain amount of attempts they give up right? But does the council then not send the police round? This is what I can't work out and worries me. The council already know that I am struggling and can't make the payments but when do I get my chance to tell a court or the police that it's not that I don't want to pay but that I can't pay?    Walshy
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
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      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
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      Many thanks, stay safe and have a good Christmas!
       
       
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Link Financial Query


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Hi all

 

Had a BC a/c for many years, decades actually, and was struggling to repay in 2018 so they agreed to stop interest and all contact for 1 year. Never heard anything more from them and then got a letter this week from LC Asset saying they had been assigned the a/c from BC and that they have appointed Link Financial to act on their behalf. Also received a text from Link yesterday, not sure how they got my mobile but assume BC passed it on, I did not think they were allowed to do that under GDPR.

 

I'm not sure but I think this may be an old Egg card debt that BC took over, I had 2 BC a/c's, one was from Egg and one I already had but this was donkeys years ago so I am not sure now which was which. I've read a few posts where people have asked if they were Egg a/c's so did not know if this was relevant.

 

As yet I have I have not made any contact with them and the way I see it is my 1st step should be to send a CCA request, my question is as we are all in lockdown and due to the circumstances we find ourselves in should I try doing this via email first? I live in an are of London with a very high R rate and really do not want to have to go queue in a post office unless I absolutely have to. So I was thinking if I email they either accept it & reply or if not I will send a letter. Any thoughts please?

 

Thanks in advance for reading and any help & advice you can give

 

Paul

 

My proposed email:

 

(template removed - dx)

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please don't post our templates in the open forum as advised in red at the top of the template.

 

pers i would not be using email,,, have you not got a 1st class stamp?

or you cant buy postage online at royalmail

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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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2 minutes ago, dx100uk said:

please don't post our templates in the open forum as advised in red at the top of the template.

 

pers i would not be using email,,, have you not got a 1st class stamp?

or you cant buy postage online at royalmail

My apologies, I thought it meant the original but i cannot edit it, can you remove it please?

 

Yeah I have stamps and can post nut without proof of postage. Was thinking if I email they either do it or if not I will send them by post with proof of delivery, I'm in no rush!

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proof of posting is not important.

  • 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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Letter done & sent, forgot I even had a cheque book!

 

In the meantime as I said I had 2 a/c's with BC, this one that owes £2600 and another that owes £2800. Both were subject to the same arrangement but only tis one has been transferred, called and asked them why and they do not know!

 

I'm thinking I am better off with Link as then, if they can prove the debts, I can look to negotiate a final settlement for both all in one or set up a payment plan for both all in one. Any thoughts please?

 

Also is there any relevance that one of them used to be with Egg?

 

Thanks again

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Would have been better that you didn't give them a signature to lift, but difficult times persist.

 

As for better being with a fleecing dca than the OC..well no as an OC does issue speculative court claims on a whim.

 

you need to get reading up here on cag

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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Share on other sites

My signature on that cheque is nothing like my signature, but I took a copy of it in case they try to use it. 

 

I have read up and maybe I should explain better the reasons I said I may be better off with them.

 

First I would look to settle and from what I have read you can often settle for anything from 50-80% of the total debt and secondly, if I cannot settle they cannot charge me the 14.9% BC will charge me, although from what you have said it sounds like I am wrong?

 

 

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Who says you have to pay anything?

When were the cards taken out..very pre 2000 even 1990's i bet!

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 paying nothing would obviously appeal!

 

Yeah one was definitely 1990' as it was previously the Egg card and other I think was also 90's but could have been 2000's

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Not a chance in hell either will hold enforceable cca's

Bye bye debts.

 

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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Exactly here where you are the Barclaycard forum

Or use our search top right

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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Share on other sites

Hi Dx, thanks again.

I've scrolled through the forum and searched some keywords for the life of me I cannot find what you are saying. Any chance you could please point me to the posts or give me the keywords I need to search for as pulling my hair out here. 

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Are you referring to the 99.9% chance the CCA will be fake from Link?

 

If so what about the a/c still held by BC?

 

Just checked my credit report and both a/c's defaulted July 2018 and taken out in 2005 & 2007 according to the CR 

Edited by PJB5
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Well poss unenforceable

cca both lets see

  • 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... 

Link to post
Share on other sites

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