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    • You probably do need to ignore it, but show it to us just in case. Cover up your name, address and anything that could ID you like your car reg. HB
    • Hi all! I've now had a "final notification letter" through from ECP. I assume I should continue to ignore this, but is there likely any action I need to take? Do you need to see a copy of the letter? Thanks
    • Please will you upload the defence in a PDF format document
    • Afternoon All - after 3 weeks of silence, this morning I received an email from HMCTS advising that P2G have rejected my claim. Decide whether to proceed Parcel2Go.com has rejected your claim. You need to decide whether to proceed with the claim. You need to respond before 4pm on 25 June 2024. Your claim won’t continue if you don’t respond by then. This is their ‘defence’ Their defence Why they disagree with the claim When choosing a service on the Defendants website, the Claimant chose to book their order with Evri and selected to take out £20 parcel protection which comes with the service. On the first page of the booking process, the Claimant entered the value of £265 for the contents and was offered parcel protection for loss or damages against their goods for £13.99 + VAT. The Claimant selected no, which then produced a pop up which explained 'We strongly recommend that you protect the full value of your item(s).' however, the Claimant still did not take this protection out and instead continued with the booking process. At the end of the booking process, the Claimant was offered this again which was refused and the Claimant continued with the booking by accepting the terms and conditions which re-iterates the information provided in the booking process. The parcel was sent, however, seems to be delayed in transit. The parcel finally started to track again, however, when delivered the parcel was empty with no contents. As such, the claim was re-opened and attempted to be settled for the £20 protection taken out in the booking process. This was refused by the Claimant as they felt they should be paid the full amount of the value entered when booking. Unfortunately, due to the refusal of the parcel protection in the booking process the Defendant is not liable to settle the claim to the value and only to the parcel protection taken out. The Defendant shall rely on the Terms and Conditions of carriage in particular section 9. The Defendant understands that the contents have not be handled with due care and attention, which is not being disputed, however, they are disputing the amount they are liable to. They have requested mediation, I’m sure not least to drag the case out even longer, but I can see no benefit to me in this and so shall reject it. As ever, I’d welcome your thoughts guys. g59   
    • I doubt HMCTS holds any data on whether arrests by AEAs required police assistance.  They couldn't or wouldn't provide data on how many of warrants issued were successfully executed - just the number issued!  In my experience, arrest warrants whether with or without bail are [surprisingly] carried out with little or no fuss.  I think it's about how you treat people - a little respect and courtesy goes a long way. If you treat people badly they will react the same way. Occasions when police are called to assist are not common and, having undertaken or managed many thousands of these over the years, I can only recall a handful of occasions when police assistance was necessary. On one occasion, many years ago, I arrested and transported a man from Hampshire to Bristol prison on a committal warrant. It was just me and he was no problem. I didn't know the Bristol area (pre Sat Nav) and he was kind enough to provide directions - seems he knew the prison.  One young chap on another committal warrant jumped out of his back window and I had to chase him across several garden fences.  When he gave up (we were both knackered) I agreed to drive by his girlfriend's house to say farewell for a while.  I gave them a few moments and he was fine. The most difficult are breach warrants but mainly in locating the defendant as they don't want to go back to prison - can't blame them.  These were always dealt with by the police until the Access to Justice Act transferred responsibility from them to the magistrates' courts. The fact was the police did not actively pursue them and generally only executed them when they arrested someone for something else and found they had a breach warrant outstanding.  Hence the transfer of responsibility.
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Old Debt problems + change of name + illness


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Hi,

a debt collector came to our home today,

the name he asked for was a previous name of mine,

my husband didn’t acknowledge my previous name to him,

 

I’ve remarried and haven’t used that name for over 5 years,

prior to that I left my previous marriage over 8 years ago,

 

I’ve had no debts whatsoever in the last 8 years.

 

I have no knowledge of what this debt is even for,

it could possibly be from my previous marriage but unsure,

 

can they chase me if it is for a debt that has had no payments or anything registered against it for over 8 years?

 

Any advice welcome.

How do I stop them coming to our door again? 

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  • dx100uk changed the title to Resolvecall at my door over old maiden name debt from +8yrs ago

all DCA's are powerless and are not bailiffs.

 

doesn't mention cabot on there does it?

they've recently been chasing old statute barred debts because people know no better and wet themselves and cough up.

 

anything on your credit file?

when was the last time you moved?

 

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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No mention of Cabot. 
 

credit file not sure tbh, as said I’ve not used that name for over 5 years.   We moved 4 years ago. But I left my previous husband over 8 years ago of where this may have come from? So long ago genuinely don’t remember.  Can I email them to say do not call at house again? 

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god no 

never use email

gives them a free way to harass you.

 

ideally what you should never do is move and not tell your debt owners. you run the rick of a backdoor ccj on any old debt.

 

dont worry about them calling, they cant do anything 

you film them on your phone, dont engage, simply state leave my property and dont return else you'll call police 101.

 

go check your credit file 

all 3 are free now.

 

dx

 

 

dx

  • I agree 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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I had two emails from them several months ago but again it didn’t say anything other than a reference number. Assume my email address was on file from over 8 years ago. 
oh never heard of back door ccj. So this could happen? 
I’ve  just signed upto experien but can only get a free score. It’s asking for £14.99 to get full report? 
 

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credit karma site?

 

probably be nothing there as i bet the debt was defaulted more than 6yrs ago and has been removed.

well if they have your email anyway, use email.

reply to one of their mails and say i have no idea what alleged debt you are chasing

please could you tell me your clients name

and the details of the original debt please

 

lets play games for now.

 

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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not all creditors use all 3 agencies.

 

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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Thank you.

 

I’ve just done experien and asked for statutory report, it’ll take about a week. I’ll do transunion as well.

 

 Can I just check how do I sign off when I send email?

 

Do I use my name as it is now or no?

 

Do I acknowledge I was the name they’ve used?

 

Sorry not had to do this before so unsure what to put.  


Also the credit reports, do I have to do separate ones for my previous name or will they automatically be carried over to my reports with my new married name? 

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Use your current name, let them work it out .

 

As for credit report you should see all your previous addresses under linked address es

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. 
my previous marriage, I moved out over 8 years ago, that address is  not showing on my report,

this is where the possible alleged debt might have come from.

Only linked addresses showing are where I am now and where I was for 4 years before moving here! 

 

I’ve done the transunion one which links Experian, and equifax as well as transunion, no defaults at all on any of these?  

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as i said the debts most prob wont show as any default would be well past it's 6th b'day when accounts get removed.

 

its a scam but i think you need to reply as advised then we will send our statute barred letter by royal mail once we know resolvecalls client and the debt

 

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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Hi, ive just had an email back from resolvecall, they are no longer dealing with the account!  Their client…. Arrow global ltd has requested the account be returned to them!   Still no idea who the alleged original debt is from.  Is it likely Arrow will try elsewhere ?!  Having checked all credit agencies, I have no defaults at all. 

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std MO for this lot

 

send arrows our sb letter from the debt collection section of your library

 

attach a copy of that letter just so they know what debt they are chasing

 

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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  • 6 months later...

Hi,

due to cancer and loss of income etc  I’m having to deal with some debt.

Most have been brilliant.

But One creditor I owe to (vanquish!)

I sent off a letter to explain everything and a copy of my marriage certificate at the same time, as I need to change my surname, they are saying they will only accept my original wedding certificate, but they can’t guarantee it’s safe return!

Do I have to send original?

Thank you. 

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welcome back

i ve put this new thread with your old one for history.

is the debt still owned by vanquis please and not sold to a 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... 

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  • dx100uk changed the title to Old Debt problems + change of name + illness

then let them jog on.

its only because vanquis (or more correctly provident - the old doorstep loan company and moneybarn owners - that lent to anyone as long as they had a pluse) were so lax in the early days the regulators gave them several fines and a few good kicks up the backside to tighten up that they now do this.

To be honest, there is VERY little ANY of your current lenders can do to you.

they dont do court anyway, so quite honestly stop paying them ALL 

get any income you now get paid into a parachute account <<readme

and let them all sweat.

once each debt gets defaulted, thats the clock ticking for it vanishing from your credit file so it cant harm you anymore

doesnt mean the debts arent owed mind.

but its the best things for now.

just ignore the forest that will come thru your door. and DO NOT EVER EVER EVER speak on the phone about ANY debt. writing only from now on.

 

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 so much. I’ll continue to use my surname as it is now, ( as said earlier I did send a copy of marriage certificate a few years ago to them but they never changed my surname!) just thought seeing as it will go to a default soon I’ll remind them but if they can’t guarantee the original will have a safe return to me I refuse to send it.  They’ve sent me an income and expenditure form to fill out, all 7 pages of it! which I assume I need to do or not?! 

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god no

do as i said with ALL your creditors

and get that parachute account open TODAY.

protect your income from interest/bank charges etc etc with whomever gets it now. and DD's penalties as they might not get paid.

move it out!

 

 

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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