Credit Services Association wants it to be a crime for debtors to move house
- Thread starter bluestreak
- Start date
ViolentPanda
Hardly getting over it.
Does "pre-legal team" mean that their lawyers are all under the age of 16?
editor
hiraethified
My ten year old Barclaycard credit card debt was sold on twice before being bought up by Barclays who promptly took all the money straight out of my current account without even asking. The cunts.
If I'd changed my bank they would have been fucked, so there's where loyalty got me.
_angel_
.
Bahnhof Strasse
Let's av ya fuckin' dancin'!
That's a bit naughty of them.
bluestreak
HomosexualityIsStalin’sAtomBombtoDestroyAmerica
i know, innit!
but that's the sort of stuff that goes around. debts, especially bad ones, are tacked onto other sales, exchanged as makeweights in deals, getting cheaper and cheaper as it goes along til you get a load of fucking pond life scum buying debts for a quid that others have given up on and trying to scam, bully, threaten and con people (often innocent parties) into paying up.
but that's the sort of stuff that goes around. debts, especially bad ones, are tacked onto other sales, exchanged as makeweights in deals, getting cheaper and cheaper as it goes along til you get a load of fucking pond life scum buying debts for a quid that others have given up on and trying to scam, bully, threaten and con people (often innocent parties) into paying up.
Surely if you've been paying toward a debt, token payments or somsuch, and then start saying you dispute it you aren't likely to have much credibility?
_angel_
.
If they can't provide the original documents, it's not legally enforceable, though.
So whereas I was quite happy paying the original lender, paying this shower of bastards esp if they can't provide legitimate reasons for doing so, is something else.
longdog
What is it you can't face?
More or less.
It's not a 100% that the court will reject the claim but... and it's a big but... the company claiming the money would have to satisfy the court it was entitled to claim the money and what the sum was they were entitled to.
Without the documentation you are legally entitled to they would be highly unlikely to satisfy the court as to the sum they are owed even if they did get it to find in principle in their favour. The courts wouldn't issue a judgement without putting a figure on it so that effectively means they have no case.
Keep in mind that it's an offence to refuse to produce the documentation on request and payment of the £1.00 fee so suddenly producing them as evidence in a court case is pretty much an admission that they commited an offence.
It's a circular sort of logic admittedly and not a 100% certainty the case would be thrown out but certainly worth the punt if like me you don't have two ha'pennies to rub together and the court would only ever order token payments.
longdog
What is it you can't face?
Righty...
A few points.
1) 'Pre-legal team' is a meaningless attempt to put the frighteners on by implying they are some scary group of elite debt chasers. I could call my dogs my 'pre-legal team'. All you really know from that phrase is they have no valid legal training.
2) As far as charging orders on your property goes then yes, they could in theory get one but... and this is a big but the chances of a court ordering the sale of a home for a relatively small amount are pretty near zero, if the property is roughly appropriate to the needs of you and your family then the chances are less than zero.
If you own a £500.000 mansion, live on your own, have no mortgage (the company who own the mortgage get paid first don't forget) and owe £250.000 then they would have a good chance of getting an order for sale. A family home with a mortgage appropriate to your needs and a small charging amount then forget it, not going to happen.
3) Petitioning for bankruptcy is also unlikely for many of the same reasons as given above. Basically it all comes down to throwing good money after bad. Once a company files for your bankruptcy they have to pay the fee £500-ish and then wait for the whole messy business to be concluded which once the appointed reciever's and other legal charges are paid will as often as not mean they get nothing.
You can't be made bankrupt for less than £750 by the way.
4) This is the bad news. They might apply for and get an attachment of earnings order which can be a serious pain in the arse. If they don't know who you work for for fuck sake don't tell them.
What really determines how you should behave is how much you genuinely owe, how much you can afford to pay, how much your credit rating means to you and how hard you are willing to dig in your heels.
Their next step would have to be to get a CCJ. If they try it and you fancy giving them a fight then your first move is to get the case heard at your local court. Many collection agencies rely on bulk submissions to a court for a rubber stamp. Peterborough is popular I think. If you get a CCJ summons you are entitled to have it heard at your local court. In spite of the impression debt collection firms like to give they have little or nothing in the way of qualified legal muscle actually on the books and as often as not they will decide that it is too expensive to send a solicitor to attend court and the court will find there is no case and judgement will be entered in your favour.
IANAL Obviously.
Bahnhof Strasse
Let's av ya fuckin' dancin'!
Cheers for all that doggy. But I don't owe the money. 1st Credit have been sending me these letters for years now. They were a bit scary at first, but now I see the funny side.
The one posted here is just full of scare tactics. If I owed the money and they had proof that I did, they'd have taken me to court long ago. I have phoned them (stupid idea) and written to them to ask that they supply proof, they have nothing but these daft letters.
I wrote to them 18 months ago asking that they either take me to court or fuck off and the letters stopped for 6 months, but they've started agin, sending one a week. Hopefully, soon they'll have spent more on ink, paper & stamps than what they paid Barclaycard for the supposed debt.
The one posted here is just full of scare tactics. If I owed the money and they had proof that I did, they'd have taken me to court long ago. I have phoned them (stupid idea) and written to them to ask that they supply proof, they have nothing but these daft letters.
I wrote to them 18 months ago asking that they either take me to court or fuck off and the letters stopped for 6 months, but they've started agin, sending one a week. Hopefully, soon they'll have spent more on ink, paper & stamps than what they paid Barclaycard for the supposed debt.
_angel_
.
Sue them for harrassment. Seriously!
Bahnhof Strasse
Let's av ya fuckin' dancin'!
I should clarify the situation:
I had a Barclaycard that I paid off in full. I overpaid by £30 and got a statement showing I was £30 in credit. I wrote to them asking for the £30 to be paid in to my bank and the card to be closed. Next month another statement arrives showing £30 credit, so I phone them and ask for the money and the card to be closed. The £30 pops up in my bank and I don't hear another word from them.
18 months later 1st Credit arrives with their letters saying I owe £3000 on the card. I'm thinking maybe the card's been cloned or something, but it seems not. Barclaycard won't speak about it as they've sold the debt, 1st Credit can provide no evidence of the debt.
1st Credit really are a very unpleasant bunch to deal with though, on the occassions that I've phoned them, each call ends with me calling them all the cunts under the sun.
Fuck 'em.
I had a Barclaycard that I paid off in full. I overpaid by £30 and got a statement showing I was £30 in credit. I wrote to them asking for the £30 to be paid in to my bank and the card to be closed. Next month another statement arrives showing £30 credit, so I phone them and ask for the money and the card to be closed. The £30 pops up in my bank and I don't hear another word from them.
18 months later 1st Credit arrives with their letters saying I owe £3000 on the card. I'm thinking maybe the card's been cloned or something, but it seems not. Barclaycard won't speak about it as they've sold the debt, 1st Credit can provide no evidence of the debt.
1st Credit really are a very unpleasant bunch to deal with though, on the occassions that I've phoned them, each call ends with me calling them all the cunts under the sun.
Fuck 'em.
Bahnhof Strasse
Let's av ya fuckin' dancin'!
I have spoken to a solicitor about this, apparantly as long as the letters aren't threatening physical harm, there's fuck all you can do.
SpookyFrank
Don't swallow the cap
This fails to take account of the fact that there is a massive discrepancy between what people owe and what debt collectors say they owe.
agricola
a genuine importer of owls
Indeed, but how helpful of the Government in these times of financial crisis to help the debt collectors clear it up:
http://news.bbc.co.uk/1/hi/uk/7848580.stm
What an absolute shower.
Fuck me are we not better off keeping the scum that's already in, in? Tory cunts must never get in.
agricola
a genuine importer of owls
They are in. They have been in since 1997.
yes, but the real tories seem to want to drag us down even further. It's hobson's choice to the nth degree.
Bahnhof Strasse
Let's av ya fuckin' dancin'!
Oh, 1st Credit have sold my non-existent debt on to Connaught Collections UK Ltd.
Bit naughty that last bit, hinting that someone will come round your house.
Odd how the debt 1st Credit said I owed to Barclaycard has now turned in to a debt with Barclays Bank.
Bit naughty that last bit, hinting that someone will come round your house.
Odd how the debt 1st Credit said I owed to Barclaycard has now turned in to a debt with Barclays Bank.
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wobbly
I have absolutely no shame that my last dealings with debt collectors were quite enjoyable. I think i found the one human in the business, who upon hearing my words, including abandoned, pregnant, single mother, income support, proceeded to tell me exactly how to insure i could stick an outstanding council tax debt of 1500 quid straight to the ex. it was the least I could do for him considering the circumstances.
Divisive Cotton
Now I just have my toy soldiers
This is an interesting statistic:
Surely bad debt couldn't have increased that massively? Is there any particular reason for this? At this rate half the country will soon be chased by debt collection agencies.
Surely bad debt couldn't have increased that massively? Is there any particular reason for this? At this rate half the country will soon be chased by debt collection agencies.
Divisive Cotton
Now I just have my toy soldiers
Don't you have original paperwork from Barclaycard to prove this Bahnhof?
TopCat
Putin fanboy
Tracing and collection:
GODFREY WALTER LANCASHIRE (ACIB FICM)
Godfrey is a founder and Managing Director of London House (Services) Ltd, Banking, Legal, Insurance Investigators and Consultants.
He is the man calling for debtors to be criminalized for not telling their creditors of a change of address.
His earlier career involved 25 years with Barclays Bank including positions as a Corporate Manager and latterly as Project Manager – Risk Management. During his time with Barclays Bank, Godfrey was also senior instructor at their Management Training Centre.
Godfrey is the former President and a current board member of the Credit Services Association and a tutor and examiner on the CSA/City & Guilds Diploma Course. He is also a Fellow of the ICM and an Associate of the Chartered Institute of Bankers.
He currently has a senior role at:
London House (Services) Ltd
London House
6 The Stocks
Cosgrove
Milton Keynes
MK19 7JD
Tel: 01908 262 444
Fax: 01908 262 234
Email:info @londonhouseservices.co.uk
GODFREY WALTER LANCASHIRE (ACIB FICM)
Godfrey is a founder and Managing Director of London House (Services) Ltd, Banking, Legal, Insurance Investigators and Consultants.
He is the man calling for debtors to be criminalized for not telling their creditors of a change of address.
His earlier career involved 25 years with Barclays Bank including positions as a Corporate Manager and latterly as Project Manager – Risk Management. During his time with Barclays Bank, Godfrey was also senior instructor at their Management Training Centre.
Godfrey is the former President and a current board member of the Credit Services Association and a tutor and examiner on the CSA/City & Guilds Diploma Course. He is also a Fellow of the ICM and an Associate of the Chartered Institute of Bankers.
He currently has a senior role at:
London House (Services) Ltd
London House
6 The Stocks
Cosgrove
Milton Keynes
MK19 7JD
Tel: 01908 262 444
Fax: 01908 262 234
Email:info @londonhouseservices.co.uk
subversplat
writer of wrongs
Not his onus to prove
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