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    • Have we seen your court bundle?   If we haven't then it's probably an idea to post it up here especially the index page and the witness statement so we can see if there is anything which might need adding or changing 
    • "Care to briefly tell someone who isn't tech savvy - i.e. me! - how you did this?" Its pretty simple although not obvious. You open the google maps app > click your profile picture > Click Timeline from the list > click today > choose the date you want to see the timeline from. Then you'll see your timeline for that day. Often, places you have visited will have a question mark beside them where google wants you confirm you have actually visited. You either click 'yes' if you have, or you click 'edit' to enter the actual place you visited. Sometimes, you'll see 'Missing visit' This probably happens if your internet connection has dropped out at that time. You simply click 'Add visit' and enter the place. The internet on my crappy phone often loses connection so I have to do that alot.   OK dx, understood mate. 
    • I have now been given a court date vs Evri, 4th Sept 2024. I have completed my court bundle, when am I expected to send copies to the court and Evri and should it be in hard copy or electronic? The Notice of Allocation states that no later than 7 days before the directions hearing both parties must send to the other party their final offers to settle. Does this mean I will have to tell Evri what I'm willing to settle? Rgds, J
    • Ok how about this to the CEO? I know it sounds super desperate but lets call a spade a spade here, I am super desperate: Dear Sir, On 29th November 2023 I took out a loan of £5000 with you. Unfortunately very early into 2024 I found myself in financial difficulty (unexpected bills and two episodes of sickness and the tax office getting my tax code wrong resulting in less pay for two months) and I contacted you (MCB) on 13th February 2024 asking if there was any way I could extend the length of my loan to 36 months. I fully explained why I was requesting this and asked for your help. I did not receive a reply to that email so I again contacted you on 7th March 2024 to advise you of a change in my circumstances which resulted in me having to take out a DMP and asking you to confirm that the direct debit had been cancelled. You would have also received confirmation of this DMP from StepChange but you did not acknowledge receipt of my email. I have only managed to make one payment from my loan but did try and contact MCB to discuss extending my loan, help etc.  I have now therefore fallen behind on several of my debts, yours included, and as a result you have lodged a Cifas marker against my name for "evasion of payment", which has resulted in me having to change banks, which has been an extremely difficult process because of the Cifas marker. I do not feel you have been fair or given me the opportunity to fully explain my situation to you before you lodged the marker against my name. I appreciate it is a business and you have acted accordingly, but I did try to make contact to arrange alternative arrangements and at no point, not even to this day, did I ever intend to not repay my loan. I cannot stress to you enough how much this has affected my mental health. I am having trouble sleeping and my existing health condition has been exacerbated by all of this. What I would like you to do is to please, please remove the Cifas marker and let me make arrangements to pay the loan back through a DMP.  Please sir, I am begging for your help here. I am not a dishonest person and I have never been in a situation like this before. I am desperately trying to make things right but this marker is killing me. Please can you help me? I look forward to hearing from you. Yours faithfully,
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Hitachi unsecured loan - moving back to poland


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I would like to add that a UK debt can be sold on to a collection agency in another country. If they know that you are in Poland, it’s a possibility.

Even if Hitachi don’t take you to court for a CCJ, they will sell your debt to a collection agency, who will try and recoup the money. After a time, they again will sell the debt to another agency and so on.

However, the likelihood of them tracing you to Poland is pretty slim. 

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And theres stuff and all they can do

 

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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pray?

 

you seriously need to understand there is stuff and all anyone can do to you.

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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what you mean by "there is stuff"? 

English isn't my first language so I believe it's a natural reaction that I'm afraid I might be in a deeper troubles. 

I don't know how the english law works in such cases hence my question in this group. 

Maybe 'pray' was a too big word but indicates that I'm really worried about whole situation. 

And yes I agree it would be very nice to know what all anyone can do to me. 

Unfortunately I do not have this knowledge in this particular situation. 

It might be naive on my side but I trust all that've been said in this topic and will follow your advice. Time will tell if I did the right thing. 

I appreciate your help. I really do. 

I feel less worried and started seeing some bright side in this whole situation.

So thank you for that. 

Irmina

 

 

 

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stuff and  all = nothing anyone can do.

 

english ccj's cant be enforced in other countries, and you cant have a ccj registered against you if you notify the the owners you are living abroad.

 

debt collection agencies wherever they are are totally powerless.

 

 

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 for a clarification. 

 

In other hand I did borrow money and can't repaying back. They must have some ways of recovering this kind of debts hence my worries. 

Previous comment stated that they can sell my debt to other country collectors and God knows what they are allowed to do. 

But as I mentioned before I feel much much better thanks to you guys so gonna try to stay positive. 

 

I

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As do millions of other people eveyday. Not pay their debts.

They sell debts on to get something back, they also claim on their insurance too. Original creditors never lose out

 

Debt buyers have zero legal powers...bye bye debt.

 

 

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

What court? Where?

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

just send the address letters..job done ..problem over.

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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Irmina, send your change of address and wait until /if you get a response to your new address. They will already be aware that you have stopped this months payment and they may raise that in their response to you. They may say what are your proposal's for repayment it will say that a a default marker may be placed on your UK Credit file after 3 missed payments. It may say that they may pass or sell your debt on to a DCA.

 

At this stage its your choice to respond and make an offer or to disregard their letter but wait for the response first before letting your imagination run wild:wink:

 

Then you will be in a far better position to review your options.

 

Andy.

 

 

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