Boradcaster chasing me via solicitor

by scrwm Tue Jun 27, 2023 11:27 am

Help!

I've received a "notice of acting" from some solicitor who claims they act for "lowlife" debt collectors.

Its an amount of just under £500 that they claim is for an account I had with the tv provider in 2020.

Can I confirm please that this is the first letter to send them: https://goodf.forumotion.com/t5501-noca-for-original-creditors...

Thanks in advance
scrwm

by **daveiron** Tue Jun 27, 2023 12:01 pm

No that notice is for loans / credit cards etc.
You will need to formulate a NoCA to suit.

This info came to light yesterday, its in the first half of the vid.
Great stuff i would suggest you use it.

https://goodf.forumotion.com/t6163-info-on-assignments#41801

by scrwm Sat Jul 01, 2023 3:08 pm

daveiron wrote:No that notice is for loans / credit cards etc.
You will need to formulate a NoCA to suit.

This info came to light yesterday, its in the first half of the vid.
Great stuff i would suggest you use it.

https://goodf.forumotion.com/t6163-info-on-assignments#41801

they sent me a letter of claim today, thanks I'll watch the video

by waylander62 Sat Jul 01, 2023 8:59 pm

by 'letter of claim' do you mean a letter stating that they are giving you 28 days to pay the sum they are claiming or else they are going to issue a claim through the courts ?

by scrwm Sun Jul 02, 2023 3:02 pm

waylander62 wrote:by 'letter of claim' do you mean a letter stating that they are giving you 28 days to pay the sum they are claiming or else they are going to issue a claim through the courts ?

Yes thats what they sent

by waylander62 Sun Jul 02, 2023 9:28 pm

ok well you have 28 days then to stop them issuing from the date of the letter probably.

so in order for anybody to offer any possible help or guidance we need more information asap in respect of what this about in a bit more detail.

if you just send out a template letter and it is the wrong type, an experienced solicitor will have you in court in no time.

by scrwm Wed Jul 05, 2023 3:13 pm

Thank you.

Their letter is a "Letter of claim - 30 days to prevent legal action".

The amount is just under £500 they are demanding.

I had a satelite dish / TV account years ago (less than 6 years). We moved house and they lost track of me until now.

What other info can I provide you to help please?

I understand from the new GOODF approach that the template letters will not work with a letter of claim.

What is the right way to deal with this then, can I demand to see the original contract?

by flyingfish Wed Jul 05, 2023 5:36 pm

So just to be 100% clear, this was a subscription service that you had, and they're alleging that something wasn't paid, is that correct? Was that outstanding subscription, or cancellation charges, or something else? Did these alleged charges accrue while you were at the address, or are they trying to bill for services after you moved?

by scrwm Thu Jul 06, 2023 10:23 am

flyingfish wrote:So just to be 100% clear, this was a subscription service that you had, and they're alleging that something wasn't paid, is that correct? Was that outstanding subscription, or cancellation charges, or something else? Did these alleged charges accrue while you were at the address, or are they trying to bill for services after you moved?

Correct. The charges they claim are the balance of contract amount which at £40 or so a month is just ridiculous to blow it up so much i think. Yes we were at the address while the alleged charges accrued. They arent billing for services after we moved out.

Thanks in advance

by waylander62 Thu Jul 06, 2023 10:38 am

" The charges they claim are the balance of contract amount which at £40 or so a month is just ridiculous to blow it up so much i think "

can you explain what you mean by this ?

looks like a monthly subscription which may be a 1 year contract ? 18 months ? 2years ?

and you didn't pay ? and now they are chasing you for how ever many months you didn't pay under the contract ?

am i anywhere near with this ?

by flyingfish Thu Jul 06, 2023 4:34 pm

scrwm wrote:Correct. The charges they claim are the balance of contract amount which at £40 or so a month is just ridiculous to blow it up so much i think.

Do you mean the £40/month figure is incorrect, if so what should it be? Ive never had satellite TV so truly have no idea, I certainly wouldn't pay that.

by scrwm Mon Jul 10, 2023 11:57 pm

flyingfish wrote:
scrwm wrote:Correct. The charges they claim are the balance of contract amount which at £40 or so a month is just ridiculous to blow it up so much i think.
Do you mean the £40/month figure is incorrect, if so what should it be? Ive never had satellite TV so truly have no idea, I certainly wouldn't pay that.

They are trying to charge near £500 for a alleged contract that was just £40 monthly is what I meant

by **daveiron** Tue Jul 11, 2023 7:34 am

Just done a quick search and indeed TV & Broadband (Sky) is £40 pm.
It appears they are 18 month contracts ,so if its Sky they are chasing
for 12.5 months payments.

by flyingfish Tue Jul 11, 2023 7:58 am

That makes sense. So £40 a month. How long did the contract have to run when you stopped paying, what does the contract say about cancellation terms?

12.5 months sounds a bit odd to be honest. Did you pay a part month, or is this their cancellation term, being a percentage of outstanding subscription?

Edit, if it's Sky their cancellation terms are not straightforward ..
https://www.sky.com/help/articles/charges-for-ending-your-sky-contract-early

by scrwm Tue Jul 11, 2023 3:49 pm

daveiron wrote:Just done a quick search and indeed TV & Broadband (Sky) is £40 pm.
It appears they are 18 month contracts ,so if its Sky they are chasing
for 12.5 months payments.

Correct

by scrwm Tue Jul 11, 2023 3:51 pm

So my question is, now they have sent this letter of claim, what should be my next move? its for an alleged account from 5 years back....not yet stature barred not that that would stop these people

by flyingfish Tue Jul 11, 2023 4:58 pm

Your options really depend on whether you have defence. What does the letters?

by waylander62 Tue Jul 11, 2023 5:09 pm

the first thing is you need to respond in a way that will stop a claim being issued in the 30 days from the date on their letter

failure to do this will result in court proceedings so you need to be quick

have you any defence in mind ? at all ?

i think what i would probably do is request a breakdown of how the sums claimed have become due so you are able to make an honest and informed decision.

by scrwm Wed Jul 12, 2023 4:52 pm

undesrtood.

Is the 3 letter process to estoppel dead now?

by waylander62 Wed Jul 12, 2023 5:58 pm

i think it is a bit late now

and this is probably not a CCA agreement so you would need to get the wording right, it is not the same as dealing with debt buyers for loans , credit cards or overdrafts

but mine is only an opinion.

by flyingfish Wed Jul 12, 2023 8:01 pm

waylander62 wrote:and this is probably not a CCA agreement.

That's correct, CCA doesn't apply, it was a contract for a service not for credit.

Edit - that's not to say that it's not worth challenging the contract, checking the actual cancellation terms on your contract just in case they're more favourable than those shown online.

by scrwm Mon Jul 17, 2023 12:16 pm

thank you

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