Doesn't matter to them, the CCJ is registered against their name (the debtor) on their credit file for six years. They simply go off the last known address, send out the letters and claim to that address, receive no response, take it to court where it goes undefended and they obtain the CCJ by default. The next thing the debtor knows is they are refused a mortgage or other credit and they check their CRF see the CCJ, then raise their head above the parapet to try and get it set aside, and bobs your uncle, the creditor, DCA, or whoever now has your address, and the whole cycle starts again.

If it's just hypothetical, then why waste your time and energy on something that doesn't exist? Are we talking hundreds, thousands, tens of thousands, millions?? Back door CCJ's are commonplace, it's an easy win for DCA's to be awarded a CCJ by default as it goes undefended.

This is definitely something I'm not familiar with, but I had a quick google.... https://www.netlawman.co.uk/ia/breach-of-consent-order https://www.gov.uk/money-property-when-relationship-ends/apply-for-consent-order May be of some help?

OK, DSAR the bank anyway, it costs you nothing, and it may flag up when there were telephone conversations and the dates times etc. If the bank or one of ts employees rang you, then it will be recorded somewhere, DSAR the bank.

Not if you DSAR the bank?

It depends on what their missives say, if they refer to ''their client'' then it'll still be with Shallowfax. They should tell you, both the bank and Cr@pbot, who now owns the account.

DO NOT offer a F&F settlement. Shallowfax didn't care about you when they were supposed to assist you, and they certainly don't care about you or your circumstances now! They DO NOT deserve your mums hard earned, and even if you did pay it them, they will continue to harass you for the rest, as it is now with Cr@pbot anyway, the bank won't look at you.

A DSAR costs nothing.

Until you answer the questions DX has asked, no one can advise you whether you should ignore or not. What is the debt?

I have a funny feeling, IMHO, that they would go down the enforcement route? But I may very well be wrong. They obtained a CCJ which to all intents and purposes you've been paying at £6 a month, what did the court order the payment to be set at?

Are we still going on about this? Ok, I hear you, I understand that you feel put out, and someone from Ryanair should apologise. Lithium batteries are put in the hold of aircraft every single day. You're right, your bag shouldn't have been taken off you and placed in the hold, that is Swissports failure, not Ryanair. Nothing will be done even if you make a complaint, so try not to let it consume your thoughts and waste your energy.

Just bin the silly letters, or collect them and use them as hamster bedding. If you haven't got a hamster, go and buy one, it'll love the quality paper DWF use.

So you knowingly allowed your bag to be placed in the hold of the aircraft containing lithium batteries? The scanners for baggage going in the hold are 3D and have no human input unless it thinks that there is a threat in the hold baggage, then the image is populated onto a screen for an operator to view and decide if it is a threat or not. Once again, it isn't the carrier at fault here, it'll be whoever is the ramp agent, which is Swissport.

Lithium-ion or Lithium-metal batteries? What were the batteries for and were they attached to the device? As for them being allowed into the hold of the aircraft, that has nothing to do with the carrier, it is down to the airport you flew from and their security procedures.

Have you contacted EDF and informed them of a change of occupier? You have the date you moved in to the property, that is all they need to see if they need to. As DX says, it isn't your problem, if it is private rented accom then get in contact with your landlord also, if it is HA, contact EDF and give them the details of when you moved in to the property.

Yes they can do this. When did you take this out and how?

Block the emails so they bounce back, yes you ignore them. The text messages you can forward to 7726 (SPAM) on your phone. That will stop them abusing the communications network too.

Could cause difficulties or DID cause difficulties. If you applied for credit during the time that the inaccurate dates were on your file, and you were unable to obtain credit, then you would have a case to bring. If it's simply surmising, and you didn't apply for credit and it didn't directly affect you, then simply forget about it.

Following on from my ''How to turn a SIP into a SAP'' post, and receiving some great advice from my RBL rep, he has suggested that I look again at my current War Pension (WP), and the award for PTSD of which they awarded the token 9-16%, which at the time I chose not to address. He did mention that there is an 'answer' sheet of how the claim needs to be worded, does anyone have any knowledge of such, or experience of putting in a deterioration claim?

And depending on who you bank with, you may be able to do the chargeback on line. TSB have this facility, and you can say that the item is not as described takes roughly 24 hrs for them to action it. Once you have the chargeback, simply drop the tent back into the store you bought it from, obtaining the name of the CS advisor you handed it to, and walk away.

Have you done a visa debit chargeback with your bank? As DX says, this isn't a fine, it's simply an invoice that you mustn't pay. Go and get your money back from the bank!

Fire off the SB letter, then he ball is in their court, see what their imagination can fabricate in order to try and get their ill gotten gains!

The PCN isn't compliant anyway, as LFI pointed out.

Well IMHO they've made the decision for you. As they are nothing to do with the NHS, why on earth would anyone fund their Christmas party, I'd tell them exactly where they can stick their £20, then go back and park under one of their cameras and light a £20 note.... Alternatively, should you not be as angry as I, donate the £20 to PALS. These clowns lose!

No, they're not driving at all, is how I Read it? I'm guessing a family member drove them to the hospital for an appointment and got this invoice.