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    • I apologise if I was being unclear. Where it currently stands is that they will have it repair, placing scaffolding in our garden for 5 days. They have moved fast, but we will still have to postpone our contractors, meaning, we won't necessarily have the work done in time for the wedding and therefore will incur additional expenses for either a marquee or a wedding venue. They are vehemently against having any kind of liability in any regard but continue repeating that they are legally entitled to use our garden for their repairs (I believe this is true unless the work can be carried out using a cherry picker). The neighbour seems either indifferent or oblivious to the fact they can't reach all of the side of the roof from the space where they can place the scaffolding. They have asked their roofer of choice about using a cherry picker but the roofer has said it wasn't possible. It's not clear whether the roofer doesn't want to use a cherry picker or whether there is an issue with it. They have told us it is a problem that we are installing a gazebo as it will prevent them to access their roof from our garden in the future?!?  
    • Couldn't agree more, really wanted a true ruling on this just for the knowledge but pretty sure the Judge made some decisions today that he didn't need to?.. maybe they all go this way on the day? We hear back so few post court dates I'm not sure. Each Judge has some level of discretion. Their sol was another Junior not even working at their Firm, so couldn't speak directly for them! that was fortunate I think because if she would have rejected in court better, she might have  been able to force ruling, we are at that point!, everybody there!!, Judge basically said openly that he can see everything for Judgement!!!  but she just said "I can speak to the claimant and find out!" - creating the opportunity for me to accept. I really think the Judge did me a favor today by saying it without saying it. Knowing the rep for the sol couldn't really speak to the idea in the moment. Been to court twice in a fortnight, on both occasions heard 4 times with others and both of my claims, the clerk mention to one or both parties "Letting the Judge know if you want to have a quick chat with each other"! So, it appears there's an expectation of the court that there is one last attempt at settling before going through the door. So, not a Sol tactic, just Court process!. Judge was not happy we hadn't tried to settle outside! We couldn't because she went to the loo and the Judge called us in 10 minutes early! - another reason to stand down to allow that conv to happen. Stars aligned there for me I think. But yeh, if the sol themselves, or someone who can make decisions on the case were in court, I would have received a Judgement against today I think. She was an 'advocate'.. if I recall her intro to me correctly.. So verbal arguments can throw spanners in Court because Plinks dogs outsource their work and send a Junior advocate.
    • that was a good saving on an £8k debt dx
    • Find out how the UK general elections works, how to register to vote, and what to do on voting day.View the full article
    • "We suffer more in imagination than in reality" - really pleased this all happened. Settled by TO, full amount save as to costs and without interest claimed. I consider this a success but feel free to move this thread to wherever it's appropriate. I say it's a success because when I started this journey I was in a position of looking to pay interest on all these accounts, allowing them to default stopped that and so even though I am paying the full amount, it is without a doubt reduced from my position 3 years ago and I feel knowing this outcome was possible, happy to gotten this far, defended myself in person and left with a loan with terms I could only dream of, written into law as interest free! I will make better decisions in the future on other accounts, knowing key stages of this whole process. We had the opportunity to speak in court, Judge (feels like just before a ruling) was clear in such that he 'had all the relevant paperwork to make a judgement'. He wasn't pleased I hadn't settled before Court.. but then stated due to WS and verbal arguments on why I haven't settled, from my WS conclusion as follows: "11. The Defendant was not given ample evidence to prove the debt and therefore was not required to enter settlement negotiations. Should the debt be proved in the future, the Defendant is willing to enter such negotiations with the Claimant. "  He offered to stand down the case to give us chance to settle and that that was for my benefit specifically - their Sols didn't want to, he asked me whether I wanted to proceed to judgement or be given the opportunity to settle. Naturally, I snapped his hand off and we entered negotiations (took about 45 minutes). He added I should get legal advice for matters such as these. They were unwilling to agree to a TO unless it was full amount claimed, plus costs, plus interest. Which I rejected as I felt that was unfair in light of the circumstances and the judges comments, I then countered with full amount minus all costs and interest over 84 months. They accepted that. I believe the Judge wouldn't have been happy if they didn't accept a payment plan for the full amount, at this late stage. The judge was very impressed by my articulate defence and WS (Thanks CAG!) he respected that I was wiling to engage with the process but commented only I  can know whether this debt is mine, but stated that Civil cases were based on balance of probabilities, not without shadow of a doubt, and all he needs to determine is whether the account existed. Verbal arguments aside; he has enough evidence in paperwork for that. He clarified that a copy of a DN and NOA is sufficient proof based on balance of probabilities that they were served. I still disagree, but hey, I'm just me.. It's definitely not strict proof as basically I have to prove the negative (I didn't receive them/they were not served), which is impossible. Overall, a great result I think! BT  
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      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Hi,I never posted here before but I need some advice and this seems like the perfect place.My boyfriend had a letter from MH about two months ago, asking him to call and if he wasn't the above named person could he call and tell them. I googled the company & realised they are a debt collection agency. We didn't get in touch as it seemed they wasn't even sure if he lived at the address.He had a postcard type letter yesterday saying: Please call .... no later than september 12th if you are not the above named person please call ..... this is not a circular or junk mail we need to speak to you urgently regarding reference number .....He doesn't remember having any outstanding debts. He was going to get a credit report however I have read somewhere that if you do that MH will know & it will make them chase you further?I don't know whether to:1) wait for them to send another letter detailing how much is owed etc & then my boyf will know if he has that outstanding debt OR2) send them a letter asking for the original agreement OR3) send them the letter claiming that the debt is status barred as neither me or my boyf have any recollection of him corresponding with anyone in the last 6yrs regarding money owed to them.If anyone could offer some advice, I would be really grateful!!

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Hi,I never posted here before but I need some advice and this seems like the perfect place.My boyfriend had a letter from MH about two months ago, asking him to call and if he wasn't the above named person could he call and tell them. I googled the company & realised they are a debt collection agency. We didn't get in touch as it seemed they wasn't even sure if he lived at the address.He had a postcard type letter yesterday saying: Please call .... no later than september 12th if you are not the above named person please call ..... this is not a circular or junk mail we need to speak to you urgently regarding reference number .....He doesn't remember having any outstanding debts. He was going to get a credit report however I have read somewhere that if you do that MH will know & it will make them chase you further?I don't know whether to:1) wait for them to send another letter detailing how much is owed etc & then my boyf will know if he has that outstanding debt OR2) send them a letter asking for the original agreement OR3) send them the letter claiming that the debt is status barred as neither me or my boyf have any recollection of him corresponding with anyone in the last 6yrs regarding money owed to them.If anyone could offer some advice, I would be really grateful!!

 

If you're certain there's been no correspondance or monies paid within the last 6 years then the debt is statute barred. Ignore this letter (but keep it) for the time being and wait to see what they send next.

Just hate every DCA out there

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I'd agree. There's a decent chance that they're fishing for somebody with a similar name, or that they've bought a lemon - a stature barred or unenforcable debt.

 

You've done the right thing by asking for advice here, but for now I'd ignore them and wait for their next move.

 

The most important advice I'd give is NEVER speak to these people by phone: they'll twist your words and try to trap you into admitting that you owe them money.

 

The onus is on a DCA to prove that you owe money, they can't force you to prove that you don't.

 

Do keep us posted :)

  • Barclays: WON!!! It took four months but was totally worth it!
  • Cabot: I'm still waiting for an enforcable agreement, more than a year after requesting it. Go on, Uncle Ken, take me to court if you dare. You know you want to!
  • Elephant.co.uk: VICTORY - they admitted there was no debt!
  • Ashbourne Management (gym membership): Finally got my default removed and out-of-court settlement; I'm not finished with them yet!

<--- If I've been helpful please remember the scales ;)

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Thank-you for your quick response!Do you think we should just ignore it even though we can't be 100% sure that there's been no correspondence or monies paid for six years? Also Is it at all possible that they have the right name but wrong person?

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I'd still ignore it.

 

If you genuinely do owe some money, let the DCA prove it. There's a tried and tested route which involves asking for a copy of the original agreement. If it does turn out that there's a genuine debt, and all the paperwork is in order, then you can begin negotiating a repayment.

 

But let them do the legwork!

 

Btw, even if there has been correspondance in the last six years, unless you've admitted a debt in writing (or made a payment) that doesn't affect the Stature Barred timescale.

  • Barclays: WON!!! It took four months but was totally worth it!
  • Cabot: I'm still waiting for an enforcable agreement, more than a year after requesting it. Go on, Uncle Ken, take me to court if you dare. You know you want to!
  • Elephant.co.uk: VICTORY - they admitted there was no debt!
  • Ashbourne Management (gym membership): Finally got my default removed and out-of-court settlement; I'm not finished with them yet!

<--- If I've been helpful please remember the scales ;)

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Thank-you for your quick response!Do you think we should just ignore it even though we can't be 100% sure that there's been no correspondence or monies paid for six years? Also Is it at all possible that they have the right name but wrong person?

Definately. MH specialise in Statute Barred debt and unenforceable debt. They send out loads of letters to people with similar sounding names in the hope that someone will be mug enough to pay them. LET THEM PROVE YOU ACTUALLY OWE money. They wont

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So basically if they send another letter asking for money etc then I should send them one back asking for the original agreement? If they don't provide it what do I do then? I won't turn up at the house or anything will they?I really appreciate your help!

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Don't panic. They're incredibly unlikely to send anybody round, and even if they did a debt collector is not a baliff and has absolutely no legal powers, including right of entry.

 

If and when they send another letter, let us know what it says and we'll take it from there.

 

:)

  • Barclays: WON!!! It took four months but was totally worth it!
  • Cabot: I'm still waiting for an enforcable agreement, more than a year after requesting it. Go on, Uncle Ken, take me to court if you dare. You know you want to!
  • Elephant.co.uk: VICTORY - they admitted there was no debt!
  • Ashbourne Management (gym membership): Finally got my default removed and out-of-court settlement; I'm not finished with them yet!

<--- If I've been helpful please remember the scales ;)

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They are based in a tatty office in Kilmarnock so unless you live two streets from them they will not call. You have more chance of finding Shergar than thes numpties calling. Wait until you get another lying letter from them and come back here. Personally at the moment I would not waste the £1 for the CCA

  • Haha 1

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Thank-you so much for the advice. I do feel a lot better now. I will wait & see what they do next - I assume they won't leave it there! so will keep you posted when I do hear from them.I'm so glad this site exists!

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I would check your credit file to see whether this DCA has registered it!

 

Oddly enough, I'm going through the same situation & have just been in contact with my local TS who had the audacity to tell me that a DCA can add statute barred debts to credit reference files. To be honest the woman I spoke to wasn't particularly 'clued up' & soon got lost when I started quoting various legislations & guidelines!:(

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ODC - Will def tell my friends, fam etc about this site!Cerberusalert - I think I might just wait & see what their next letter says & if needs be then check my boyf credit file. I just don't want MH to be alerted that we are looking at my boyf credit file. It might encourage them more!I don't understand how they have the rights to do these things, shouldn't personal information be kept personal?!

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I don't understand how they have the rights to do these things, shouldn't personal information be kept personal?!

That's the $64,000 question, sadly.

  • Barclays: WON!!! It took four months but was totally worth it!
  • Cabot: I'm still waiting for an enforcable agreement, more than a year after requesting it. Go on, Uncle Ken, take me to court if you dare. You know you want to!
  • Elephant.co.uk: VICTORY - they admitted there was no debt!
  • Ashbourne Management (gym membership): Finally got my default removed and out-of-court settlement; I'm not finished with them yet!

<--- If I've been helpful please remember the scales ;)

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IF you do decide to check your file with some of the CRAs cough Equifax cough you should be aware that you will get more letters from other DCAs chancing their arm and trying to pin an old debt on you. Not only that but you will find a remarkable number of loan offers appear through the post. Hardly a coincidence. DCAs and CRAs work very closely together in what couild be cynically described as an incestuous relationship

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