Jump to content


  • Tweets

  • Posts

    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
    • well post it here as a text in a the msg reply half of it is blanked out. dx  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

CLI Letter - Threatening Doorstep visit on Scandinavian debt almost sb'd


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 156 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi!

I received a couple of emails from CLI chasing what I believe is a creditcard debt (but it dosent really say).

I ignored them, and now I have received a threat letter from them a bout doorstep collection

Now I know I could probably just continue to ignore them, but I rather not let them turn up as it would be embarrassing for my wife. Is it advised that I email them, telling them that I do not recognize this debt and it's up to them to prove it? (the post just arrived and it was apparently sent 6 days ago, they threaten 7 days for doorstep)

Any advise helpful!

  • Confused 1
Link to post
Share on other sites

Never contact a powerless DCA, why would would you waste your time and energy?

Instead, educate the others in your household to film the doorstepper and to ignore their questions and keep repeating 'leave or I'll call the Police' - if they open the door, far better to just leave them standing there.

Post up the details of the debt.

 

Link to post
Share on other sites

I just really don't want them to come around, it's a quite sensitive situation. 

So just wondering if I can just ask them to bugger off, I had a case years ago where they got to pre-action protocol and I asked them to come with copy of the terms and conditions, went quiet after that. So a "prove it" request or similar perhaps.

The amount they want is around 2200 odd.

Edited by Ninja1337
Link to post
Share on other sites

So this is a foreign debt.

Which country and when did you last make any payment?

If the debt is still live and not unenforceable due to limitations law, you would just write to the Bank owed the money, providing your UK address and ask them to provide copy of last statement , plus any default notice they have issued.

CLI are different to other debt collectors, as they provide a basic service only. It would be up to the Bank whether they wanted to go to Court to enforce the debt.

Sending prove it letter won't make any difference, as the doorstep collectors are just  commission only enquiry agents, who are provided a list. Just because they mention this, does not mean a visit will take place.

  • I agree 1

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

 

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

Link to post
Share on other sites

Hi Ninja, for real tailored advice - post up the details:

- what type of credit

- when you took it out

- who owns the debt a DCA or the original creditor.

- who you are paying now/when you last paid

- amount owed

As for doorstepper threats - they rarely come (debt type depending)

CAG Site Team and Forum Helpers are unpaid volunteers

Over the years CAG has probably helped hundreds of thousands of people, only a small number of people come back and let us know what happened or to say thank you

and an even smaller number of people ever think to make a donation.

If you are able, without leaving yourself short, consider donating, all donations go towards Site hosting and maintenance - help us stay live for future people in need.

 

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

 

Essential Reading: Dealing with Customer Service

Link to post
Share on other sites

So the debt is most likely credit card, although they are just referring to another debt collector in a Scandinavian country they are collecting on behalf of. (Intrum Capital).

I moved nearly 10 years ago , and have  not paid anything or dealt with any of then in that time. I know the creditors can "renew" the statue barred status in the country every 10 years , but I'm not sure they have done so. I believe (even though I'm not sure what debt they would be referring to) would be that old.

I really just want to deal with any visitors. Reading this forum it's unclear if they have ever visited a property looking at previous posts from this company.

 

Link to post
Share on other sites

whats intrum doing chasing a Scandinavian debt?

CLI dont do doorstepping.

they've no licence to do so in the uk.

if you read the email and letter PROPERLY. 

it does not say WILL anything.

and anyway how do they even know you read old email addresses

its a scam IGNORE them block and bounce their emails

have you moved around in the UK?
might be an ideato simply write to intrum giving your correct address in writing from you

you dont want a backdoor CCJ if you have moved around.

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... 

Link to post
Share on other sites

  • dx100uk changed the title to CLI Letter - Threatening Doorstep

Hi dx, 

You are correct the letter (which is my current address) is saying "Notice of personal visit".

"Please accept this letter as notification that we have are now (nice grammar there!) turning this matter to our doorstep collection agents as a final attempt to discuss this matter with you.


Unless you contact us within 7 days, a doorstep collector will be instructed to visit you at the above address on a regular basis until contact has been stablished, and a final attempt to achieve an amicable arrangement for the repayment of the above debt has been made. Our door step collection agents carry out out visits between 8.00am and 8.30pm Monday to Friday, blah blah blah.

Our doorstep collection agent is instructed to collect the full amount due or to compile a report about your financial situation to justify a repayment agreement. Our agents carry out identification and receipts will be issued for all payments. "

The Creditor that CLI is mentioning is named Intrum Capital AS.

Link to post
Share on other sites

write to intrum capital as simply ref their ref number stating please note my correct & current address is xxx

protect against backdoor ccj.

they cant do anything

a dca is not a bailiff and have zero legal powers

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... 

Link to post
Share on other sites

Pretty sure they have my current address as it's updated in the national registry. 

I just want to make sure that these clowns do not come around here, I am tempted to write to them to tell them I do not recognise the debt and also in any case, it would be statue barred and hopefully that will make them think that it's not worth chasing.

Link to post
Share on other sites

Only Pretty sure? not worth a backdoor ccj though.

As dx says, update address.

I'm sure they will be quick to let you know more about the alleged debt, because you don't sound convinced that you know, and you definitely should want to know.

You then defend accordingly, likely with statute bar based on your description but we are all guessing, including you.

Good luck

BT

CAG Site Team and Forum Helpers are unpaid volunteers

Over the years CAG has probably helped hundreds of thousands of people, only a small number of people come back and let us know what happened or to say thank you

and an even smaller number of people ever think to make a donation.

If you are able, without leaving yourself short, consider donating, all donations go towards Site hosting and maintenance - help us stay live for future people in need.

 

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

 

Essential Reading: Dealing with Customer Service

Link to post
Share on other sites

it doesnt matter if you think they have it.. BS.

if YOU have never written to whomever the card was taken out with nor owned the debt since they can quite legally file to an old address,,,then you will have REAL bailiffs at your door.

dont guess protect. intrum are sneaky buggers and WILL do it by the backdoor even if it is SB. northants bulk is a robocourt no human sees or checks anything.

but dont enter into silly letter tennis by prove it or otherwise.

have you checked what is the sb date/rules in scanny?

 

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... 

Link to post
Share on other sites

2 hours ago, Ninja1337 said:

I know the creditors can "renew" the statue barred status in the country every 10 years , but I'm not sure they have done so.

rubbish!!

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

16 minutes ago, dx100uk said:

rubbish!!

Not rubbish, basically the general limitation is 3 years, however if they have taken steps to claim through the courts/bailiff (in Norway anyway) they can extend up to another 10 years. What I am not sure of, is if they can get that extended again after a certain period, or as I am not living there anymore they can't really go through that system.

 

See a translation of the law here: 

JUSINFO-NO.TRANSLATE.GOOG

Hvis fordringshaver har vært uviten om fordringen eller hvem/hvor skyldneren er, vil det kunne være urimelig at kravet allerede skal være foreldet etter den

 

Link to post
Share on other sites

But in Norway, same as most countries, the debt owner has to go to court within the limitations period, as part of normal process to gain a judgement.  Once they have got the judgement, they then could be allowed more time to try to enforce the debt.

You have not mentioned a court judgement in Norway.  So in the absence of a judgement, they can't then make a court claim in the UK to try to enforce the debt here.

Just write to Intrum confirming your current address and advise them to stop trying to contact you, as the debt is stature barred under limitations laws.

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

 

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

Link to post
Share on other sites

blimey, i know we are a uk site and we deal with foreign debts too, but yep..that's complex.......

i agree anyhow, and had already thought of just write from your current address and state it's statute barred.

let the scammers try and wriggle out of it..that will be interesting...to read their drivel.

 

 

 

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

Ok, but if the case is that they had been given a judgment through the bailiff (not necessarily courts as such in Norway) either around the time I left/while I lived there/or shortly after.

I assume the clock has still ticked and such should still be SB.

Link to post
Share on other sites

i will guess that as in most other countries, a court claim be it successful or not typically halts the sb clock.

 

i think p'haps you are getting a wee bit too deep into ifs or buts here that no debt buyer will relly understand nor go near a courtroom door with a barge pole.

its only a scamming foreign dca debt buyer chasing you, they have zero powers and and even less than if it was a debt in this country and a uk based dca.

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... 

Link to post
Share on other sites

So ask for a copy of the records related to any actions by the original creditors or bailiffs.  

You are a bit in the dark here, but based on a large volume of these type of posts to this site, I would say that for the amount of debt being fairly low, I very much doubt any court or bailiff actions have been taken in Norway.  If that had been the case, the debt owner would have traced you to the UK and then started court actions to have the debt enforced in the UK.

Write to Intrum with your UK address and advise that as far as you are aware any debt is statute barred under limitations laws. And it is up to them to provide any proof by supplying relevant documents if they don't believe the debt is stature barred.

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

 

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

Link to post
Share on other sites

intrum will deal with their dogs 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... 

Link to post
Share on other sites

As an aside these 'doorstep ' people are a joke, I had one call around on me for an old debt that had gone statute barred, she asked me when the loan was taken out and I told her 2011, she rolled her eyes and apologised, said I wouldn't be bothered again.

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

 

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

Link to post
Share on other sites

So the plot thickens, CLI has told me that they will not do any doorstep, and provided a couple of documents (debtletters would be the correct translation I would assume) that I apparently signed in 2008, so over 14 years ago!

Lindorff has apparently been involved at some point too. They said they would check with the customer and see if they said it was statue barred. I would be interested to let them challenge that here in the UK anyway, which I doubt they will. 

 

Let's see what the outcome is from this and I will ask for more advice when they come back

Link to post
Share on other sites

So, I have response from the creditor (through CLI) "

"The file is not statue barred. There are two distrains after the debenture, the latest is dated 20.11.2013 which gives us additional ten years on the file. Please see attached.

Limitation date is therefore: 20.11.2023"

Along with copies of two scanned documents, one dated in 2012 and the other dates 20.11.2013 from the bailiff (in Norwegian). 

So it seems they claim the statue barred will be going until 20.11.2023. 

What could my options be here? I still have not said I recognize this debt so they can't claim I have acknowledge it. CLI is ofcourse asking when I will pay (either through payment plan or a final sensible offer), I bet they bought it for 10% or lower. 

I still have not received any contract of the original product, just a debt letter. Can I ask for the orginal terms and conditions of the product in English? November is not far off..

Link to post
Share on other sites

its just legalese gobblygoog..

WWW.BING.COM

Intelligent search from Bing makes it easier to quickly find what you’re looking for and rewards you.
WWW.BING.COM

Intelligent search from Bing makes it easier to quickly find what you’re looking for and rewards you.

 

ignore them unless or until you ever get a letter of claim now,

which they must send.

that takes at least 2 mts to go thru before they can issue a court claim.

by then it'll be sb'd under scanny laws too.

scan up the replies to one pdf please read up load.

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... 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...