Struggling with Debt Collectors and unsure about your legal options? Get online legal advice from a UK solicitor for just £5, potentially saving you a fortune in the long run. Click the link: justanswer.9pctbx.net/c/2873512/2107196/9320
@TheMetyx 0 seconds ago How long debt collectors can chase me if overpayment of tax credit was for 2014- 2015 tax year , and now we are in 2023 ? Will they chase me a broad (out of UK) ?
Can you get them to take you to court rather than hound you for months or even years. I want to move in a year and don't want this to be an opportunity for them to start court action without me knowing and I don't want to give them my new address especially if they haven't taken it to the next step in a whole year
Hello, What if a person who is an indian hcitizen took a massive unsecured business loan in the United kingdom and moved back to india without paying? Can they chase in india who does it work?? What legal action could be taken on the person thanks !
What proof must they provide & what constitutes as “sufficient?”.. my bank sold my credit card debt with zero pre warning. I’ve had a comp chasing me for 3 years. Nothing has happened. Would that suggest they in fact don’t have what they need to force payment? Is it a case of them needing my signature on their contract? They tried to get me to sign up to a payment plan. Which I did try to do, but they never responded to my request. So I left it in their court. No more than texts and calls, which I just ignore. Get the odd letter, just asking me to get in touch with them again. Do I have legal right to continue to ignore?
Hope this helps - look up the difference in a “assignment” and novation, A assignment of debt and selling it to a debt collector does not pass on the obligation or burden of the debt. The debt is extinguished in the purchase of the account by the debt collector and they are basically assuming you will reimburse them for this. For this to happen a novation must be created by law all three parties signed ( thats you, the original creditor and the new owner of the debt, and agreed upon the new terms as its a new contract. Ask them to provide this evidence in their claim of liability against you, Bills of exchange act 1888 section 23 - discusses signature is essential to liability, it is their legal duty to provide this document with your signature along with the original contract as proof of their claim.
If they cant provide this proof with 14 days notice, inform them they should close the account any further attempt to contact you will be viewed as a attempt to extort for their financial gain ,the fraud act of 2006 points the serious consequences of this action, if this is ignore you can then file a complaint with the FCA and financial ombudsman stating the lack of evidence they have provided. The power is in your hands, they have a burden of proof to show their claim of liability against you.
@@Tanyacooks410 thank you so much. It’s been over three years now. I just ignore the calls, the letters. The frequency has dropped right off. Threatened with a visit from a collection agency. I knew that it had to do with the burden. So made sure I never signed anything. I did speak with them at the start. But I was actually very ill at the time & talked about the debt, said the debt was with Bank Of Ireland, & was unaware of it being sold. But never claimed responsibility or signed anything in regards to my relationship them. I’d heard that they need 6 documents, including a colour copy of our driving license/passport. Thank you.
@@ClusterBombed01 yes best to deal with them direct now, you have no reason to hide from them. Please search up the topics i mentioned and gain an understanding of it yourself and it will give you the confidence to deal with them. Make sure to have everything in writing only, no phone calls this is so you have evidence to provide to the FCA if they ignore your lawful requests for evidence of liability or deny they legally need to provide it which would be false obviously. You hold the power in this situation as you are a relevant party and they need your agreement to gain reimbursement from you. All the best, if get stuck put a comment here and i will reach out to you. 👍🏻
Struggling with Debt Collectors and unsure about your legal options? Get online legal advice from a UK solicitor for just £5, potentially saving you a fortune in the long run. Click the link: justanswer.9pctbx.net/c/2873512/2107196/9320
Thank you for putting this video together.
It is very greatly appreciated !
Glad you enjoyed it!
Well council det is no one’s as no one sighn the contract
@TheMetyx
0 seconds ago
How long debt collectors can chase me if overpayment of tax credit was for 2014- 2015 tax year , and now we are in 2023 ? Will they chase me a broad (out of UK) ?
Hellix disclosed my debt to a family member, still havent responded to my complaint
Can you get them to take you to court rather than hound you for months or even years. I want to move in a year and don't want this to be an opportunity for them to start court action without me knowing and I don't want to give them my new address especially if they haven't taken it to the next step in a whole year
Congratulations for your video and thank you for this information
Tell them where you're moving to,you could also produce documents proving you moved and didn't recieve any mail.
Or a ccj
Hello, What if a person who is an indian hcitizen took a massive unsecured business loan in the United kingdom and moved back to india without paying? Can they chase in india who does it work?? What legal action could be taken on the person thanks !
What proof must they provide & what constitutes as “sufficient?”.. my bank sold my credit card debt with zero pre warning. I’ve had a comp chasing me for 3 years. Nothing has happened. Would that suggest they in fact don’t have what they need to force payment? Is it a case of them needing my signature on their contract? They tried to get me to sign up to a payment plan. Which I did try to do, but they never responded to my request. So I left it in their court. No more than texts and calls, which I just ignore. Get the odd letter, just asking me to get in touch with them again. Do I have legal right to continue to ignore?
Hope this helps - look up the difference in a “assignment” and novation,
A assignment of debt and selling it to a debt collector does not pass on the obligation or burden of the debt. The debt is extinguished in the purchase of the account by the debt collector and they are basically assuming you will reimburse them for this.
For this to happen a novation must be created by law all three parties signed ( thats you, the original creditor and the new owner of the debt, and agreed upon the new terms as its a new contract. Ask them to provide this evidence in their claim of liability against you,
Bills of exchange act 1888 section 23 - discusses signature is essential to liability, it is their legal duty to provide this document with your signature along with the original contract as proof of their claim.
If they cant provide this proof with 14 days notice, inform them they should close the account any further attempt to contact you will be viewed as a attempt to extort for their financial gain ,the fraud act of 2006 points the serious consequences of this action, if this is ignore you can then file a complaint with the FCA and financial ombudsman stating the lack of evidence they have provided.
The power is in your hands, they have a burden of proof to show their claim of liability against you.
@@Tanyacooks410 thank you so much. It’s been over three years now. I just ignore the calls, the letters. The frequency has dropped right off. Threatened with a visit from a collection agency. I knew that it had to do with the burden. So made sure I never signed anything. I did speak with them at the start. But I was actually very ill at the time & talked about the debt, said the debt was with Bank Of Ireland, & was unaware of it being sold. But never claimed responsibility or signed anything in regards to my relationship them. I’d heard that they need 6 documents, including a colour copy of our driving license/passport. Thank you.
@@Tanyacooks410 thank you so much. This gives me a lot of peace. I presume I’m better grabbing the bull by the horns rather than ignoring?
@@ClusterBombed01 yes best to deal with them direct now, you have no reason to hide from them. Please search up the topics i mentioned and gain an understanding of it yourself and it will give you the confidence to deal with them.
Make sure to have everything in writing only, no phone calls this is so you have evidence to provide to the FCA if they ignore your lawful requests for evidence of liability or deny they legally need to provide it which would be false obviously.
You hold the power in this situation as you are a relevant party and they need your agreement to gain reimbursement from you. All the best, if get stuck put a comment here and i will reach out to you. 👍🏻