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Post by Judd09 on Wed Feb 20, 2019 3:24 pm

After seeing some "No contract, return to sender" videos on YouTube I did some research.

And came across this thread from the old forum where a member recommended returning all mail "Not known at this address, return to sender". As an alternative to the 3 letter process.

https://www.getoutofdebtfree.org/forum/viewtopic.php?f=8&t=32439

Now I suppose it depends on what you have to lose but he says that if a County Court Claim form is returned undelivered, then they have to arrange to serve it on you personally.

https://www.gov.uk/hmrc-internal-manuals/debt-management-and-banking/dmbm665410

So what are the more experienced members thoughts on this please?



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Post by daveiron on Wed Feb 20, 2019 4:27 pm

Hi Judd09,

The problem with doing this with the courts is that things are deemed as delivered after 3 days.
you will have no proof that it was in fact returned .You could then find you have a judgement against
you by default.

Also as I understand it carriers like UK Mail & Whistl do not return mail ,its only RM who do this.
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Post by Mrblue on Wed Feb 20, 2019 4:47 pm

Agree with Dave here. I know it might seem a pain sending letters etc but think how considerably more painful it is paying back an alleged debt for several £1000s...
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Post by Judd09 on Thu Feb 21, 2019 12:42 pm

Thanks fellas.

I suppose in theory returning the banks, DCAs and DPs letters should prevent you from being taken to court.

But I agree the 3 letters approach is safer and gives you a defence for the worst case scenario. I'm just trying to explore all options.

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Post by waylander62 on Thu Feb 21, 2019 1:50 pm

unfortunately the facts are:

If you return all letters not known at this address and the DCA issue a claim against you, then you return the claim form as not known at this address.

The court will simply find judgment for claimant by default. Then the letters you receive will be threats of bailiffs etc etc.

this is how the system works.

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Post by Mrblue on Thu Feb 21, 2019 2:13 pm

Thanks for clarifying Waylander62!
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Post by Ausk on Sun Mar 10, 2019 8:39 am

I realise this may only be the case in aus but another way is to simply return the document with "unclaimed" written on the envelope, within 7 days.

Do not put 'return to sender" on the envelope.

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