JCI/Bw Lettter Of Claim - old EE mobile debt

[2021Oops]

Am I right to assume this is important, not just a scareogram?, same as a letter before action?. Annoyed as they've not written once, have had emails from EE and other companies but I genuinely had a phishing email from EE today so for obvious reasons take no notice.

Amount is about £750, seems high considering I defaulted on £240 but then I know they can charge the remainder of the contract.

They did offer £200 off in an email im now seeing a couple of months back at £20 a month which is affordable and it also says in this letter they may consider previous offers still.

I'm in a situation where im now trying to deal with what were mostly Covid defaults in order of priority and at as low a cost as possible, I did default several accounts in a short period and am hoping some might time out. Situation is a bit better than even 12 months ago and would really like to come out of this without ccj's

Is there anything I can do here?, it definitely doesn't just look like a normal letter, ive had millions.

 

[dx100uk]

are you indicating the letter of claim was an email attachment?

dx

 

[Bazooka Boo]

If it's an email then block it and bounce them back, this is the very reason for NOT corresponding via email.

[2021Oops]

No, its an actual letter through the post but its the first thing ive had in writing for maybe 8-12 months, like I say endless emails from various dca's or creditors appear in my inbox most weeks. I will scan the letter in.

[dx100uk]

we know what one looks like

ok just hit letter of claim

and follow post 4 there.

as long as all these dca/debt owners have your correct and current address ...i'e you've not moved since taking whatever out an it being sold to a dca you are ok and protected from backdoor ccj's

 

dx

 

dx

 

[2021Oops]

I have moved, I'm a month from the end of my Royal Mail address forwarding. I guess I need to let them know along with other creditors.

Actually can I ask, how would I inform a creditor ive moved address without admitting to a debt?, I think I have about 5 now all with Lowell as well as a couple of others. I was thinking of just writing with my previous address and literally asking them to update it.

 

This protocol lines up with what was in the envelope. I honestly think the amount is about right but if I can get them to accept the reduced offer from June and repay at £20 a month I'd be all too happy to do so in order to just nip it in the bud. Maybe then in a few months I could make a final offer or something then?

[Bazooka Boo]

Yes it is  as simple as writing to them and informing them of your new address.

Dear Bill & Ben.

Please update your records with my new address.

Regards.

 

Royal Mail will have told them anyway as they do when anyone 'forwards' their mail.

But belts and braces where DCA's are involved, peace of mind for the cost of a second class stamp and free proof of posting.

[dx100uk]

dont forget to inc some form of ref number and state what type the original credit was and who the OC was and their a/c numer

writing to anyone is NOT admittance of a debt.!!

its only that if you speifically state i agree i owe you and sign the letter!

you should always be reading around not go into isolation an stick to your own thread CAG is self help too.

court letters/claims ARE NOT REDIRECTED. they state on the envelope do not redirect

so for more than a year now you've been lucky not to get a backdoor CCJ...simply because you did not self help.

dx

 

[Ethel Street]

16 hours ago, 2021Oops said:

Am I right to assume this is important, not just a scareogram?, same as a letter before action?.

Minor clarification: what is often called a "letter before action"/"LBA" on online forums isn't officially called that in the pre-action protocols. The PAPs call it a "Letter of Claim" and that's what people have usually received when they say they had a LBA. You haven't posted up what you've received but, yes, I imagine it is the same thing.

[Ethel Street]

1 hour ago, Bazooka Boo said:

Royal Mail will have told them anyway as they do when anyone 'forwards' their mail.

If you buy the Royal Mail Redirection service they don't tell anyone that they are forwarding your mail, or where to. They just forward it, the sender won't know it's been forwarded.

Unless it's one of the categories of letter that can't be forwarded, like court papers, benefits letters from DWP, etc, then RM return it to sender.

[2021Oops]

Boo + Dx, thanks

Yes I will try and have a read around.

As far as the redirection thing my other claim from Aqua was redirected. Maybe that was my local office making a mistake?

Ethel its headed specifically Letter Of Claim but yes I knew from before they were required to send a letter before action.

 

[Ethel Street]

23 minutes ago, 2021Oops said:

As far as the redirection thing my other claim from Aqua was redirected. Maybe that was my local office making a mistake?

Possibly. The decision that a letter can't be redirected is made at the local delivery office when a letter arrives there addressed to your old address. So thousands of RM  staff across the country will be involved in deciding whether something's a non-forwardable item. So not surprising if sometimes mistakes are made.

RM's T&C for redirection don't give a list of items they can't forward and give only benefits post as an example.

" There are laws that prevent us from redirecting certain items. There are also laws that require us to return certain items to the sender and we may need to inform the authorities of this (for example, mail from government departments related to benefits)."

[2021Oops]

Interesting, the redirection address is my dads and he's lived there for 50 years and I lived there for 28 years + know most of the managers in the sorting + post office fairly well on a customer basis so maybe they have some discretion?

Edited September 18, 2023 by 2021Oops

[dx100uk]

yes quite likely

i think if you look on court envelopes it states right by the address window important court docs enclosed. do not redirect.