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    • pdf's merged and properly named. thread title updated. word fine replaced by charge in post one....they are not fines mere speculative invoices. just type no need to keep hitting quote.   dx  
    • Nice work dx, much what I thought and glad to have it confirmed by the expert. Radio silence remains my game plan, I have been resident in Scotland since birth and although I had moved a couple of years prior to defaulting, all addresses were updated and I am confident all begging letters are coming to my current home address. I appreciate the info that they probably wouldn't get a claim in by Aug anyway - I think I'll hunt out my big box of badness in the next few days just to see if I can find any default notice letters so I can pin down some dates to satisfy my semi-OCD. Much obliged, and unlike some others i will look to update in the future as I certainly intend to send them the SB letter as I like to pull the chains of these types of cretins! Of course i'll be back to confirm the correct procedure if I get any "proper" legal letters other than the usual Overdales toilet paper type of scare tactic.  
    • statute barring in Scotland is 5yrs from last payment/use date or date of default Notice + 14 days, whichever is the later. dont confuse that with the 6yrs debts show on credit files (DN's 6th bday regardless to payment or not). they'd never get a claim raised by august in 99% of cases . as long all these debts were taken out whilst resident in scotland and you have not moved since taking them out but failed to inform the original creditor before the debt sale....... then stay radio silent until sb date is reached. then if you wish send our scottish sb letter. just remember unlike E&W in scotland debts are extinguished, dead , gone , parrot. once SB'd dx  
    • Hi all, Love this site and it's no nonsense advice, have dipped in and out of the consumer forums over the years, mostly to assure myself that what I was doing was the right thing when dealing with various businesses (almost 100% success rate, thanks in part to reading and more reading here.). Anyway, the time is almost approaching where I might need to ask for some specific help and I have a couple of queries that I can't see definitively answered. Due to financial mismanagement and severe anxiety issues I stopped paying all unsecured debt in December 2018 (one slipped to the first week in Jan 2019 when the last payment was made having rechecked my bank statement from that period - all my unsecured debt direct debits were cancelled in early Jan 2019). This has left half a dozen debts;  a couple of credit cards, a bank loan, Shop Direct and some Hitachi Finance stuff having been sold on and passing the rounds through the usual suspects, Lowells, Link, PRA Group, others related to them, and then back to them again. I have somehow successfully managed to maintain radio silence and avoided anything more worrying than their begging letters.  I have blocked their phone calls and texts, bumped all emails to the spambox and had a chuckle at their desperate letters.  I've never had anybody at the door.  I have been at the same address since before I defaulted and all correspondence comes to my current home address.  I have NEVER contacted them or admitted any debt. In anticipation of them perhaps ramping up action at the last minute I've had a look at my credit report on Credit Karma (rec'd from this very place) and I see that the default dates on these range from May 2019 to November 2019. Also in preperation I've been reading, reading and reading lots here as advised. Obviously being in Scotland there are a lot fewer posts relating to these matters and it's always quite annoying when OP's do not follow up with any outcome on their cases - how rude! This has also left me a bit confused of when I am able to finally breathe easy (although cancelling all the direct debits in Jan 2019 was the biggest sigh of relief as I knew it was all going to be unmanageable and, well, default one, default all.). I've been reading that defaults should be filed 3-6 months after the missed payment but one of my larger debts was defaulted on 27th August 2019 when the last payment I made was 10th December 2018, meaning the first missed payment was 10th Jan 2019.   My query for now is - when should I infer that these debts are prescribed?  From when the payment was missed, or taking the default date plus 5 years from the credit report? The three I have with the May date are moot anyway as either way they are gone  - some letters from Lowell offering me 90% off to settle is what got me thinking these must have been near SB status, however I have one big 10k+ with a July date and another 10k+ at the end of August I am feeling a bit anxious again, even though I know there is nothing to worry about with the begging letters.  Reading the various forums I am not sure why the OC's didn't take action against me when I read time and again the surprise that other posters haven't already been taken to court for lesser amounts - I'm also surprised I've avoided any action this long as there are plenty in this forum and sub forum who are whisked off to the court by the beggers minions after only a year or so after defaulting.  There are no CCJ/decrees listed on my credit report and I have not received any such judgements against me.  I still just regularly receive the begging emails to the spambox, the blocked phone calls and the letters from the they. I'm also reading that there is no need in Scotland to send an LBC so what should I be looking out for to know that the time has come to engage with CCA requests etc? I'm afraid in a fit I threw a lot of the paperwork out but I have a box of stuff I'm going to go through which may have the original letters from the OC's. Thanks in advance for any advice.  
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BOX Online Store - Goods didn't arrive - launched a court claim but BOX are now in administration before my hearing - help!


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Good Evening,

 

I bought goods in July 2023 from an online store.

They didn't arrive I asked my bank to do a chargeback.

However because it was goods missing from a bulk delivery they lost the chargeback.

In november 2023 I sued box in the small claims court and they defended.

Mediation wasn't successful because I wasn't available.

I now noticed they've gone into administration on jan 19 2024.

Where do I stand.

Advise please.

 

company: https://www.box.co.uk/

 

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You can proceed with the claim in court but the administrators may contest it. Unsure. If successful you go into Creditors Pool / Hierarchy 

 

WWW.BEGBIES-TRAYNORGROUP.COM

A preferential or preferred creditor reserves the right to first payment during an insolvent liquidation, as laid down by the Insolvency Act.

 

In most cases, you would get pennies back on the pound oustanding or even there might not be anything left after the Administrators do their bit. 

My advice. Write it off... Chock it up to a loss 

 

 

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**Fko-Filee**

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Hi

I have to agree with @fkofilee if you go via their Administrators as Box are in Administration you will be last in the queue to get anything and that's if you get anything at all.

I see no harm in going back to your bank and trying the chargeback again with the Administration information as Box obviously knew they were going into Administration that's why they didn't bother to chase or look into your missing goods.

 

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  • dx100uk changed the title to BOX Online Store - Goods didn't arrive - launched a court claim but BOX are now in administration before my hearing - help!

thread title updated.

it might be an idea to continue with the claim? bearing in mind its +£3k?

check trustonline or companies house or the FCA register to see if any other judgements exist against them.

it may just be that a default court judgement will be paid as a priory debt by the administrators?

if not dont forget to cancel the hearing and save the hearing fee cost.

did they admit or not if they actually sent the goods in their defence?

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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Hearing fees are no longer refundable

https://www.legislation.gov.uk/uksi/2016/1191/pdfs/uksi_20161191_en.pdf

APRIL 20, 2017

From 6th March 2017, the Civil Proceedings Fees (Amendment) Order 2016 came into force, prior to the implementation of these amendments hearing fees were refundable on a sliding scale depending on the date of the notification to the Court where a case settled pre-trial, i.e.

100% where notification is given more than 28 days before a hearing,
75% if the court was notified between 15 and 28 days before the hearing, and,
50% if the court was notified between 15 and 28 days before the hearing.

The new rules have changed this position and as such the hearing fee is no longer refundable if a matter settles pre-trial, although the hearing fee is now payable closer to the trial itself, which will reduce the impact of this change.

This new rule does not apply to cases where the court gave notice of a trial date or the start of the trial period before 6 March 2017.

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