Help please! I have been receiving numerous letters from One Call in the name of Judgement Order Bailiff. Then I just received a "Letter before Court Action" citing Civil procedure Rules and the Practice Direction for Pre Action Conduct. That was about a dispute related of so-called "outstanding account", which I do not recognize and they tried to charge on my credit card (but I successfully got it charged back). The OCL Solicitors apparently is on the Law Society list (at least found it on their website). Should I be worried? My main concern will they really take count action against me, which I have no time to deal with. If count action is really imminent, I may rather settle it. I refuse to pay and ignore them on principle. Any advice will be greatly appreciated. Thanks, R

I just got a pre-court action letter from OCL. Should I be worried? As apparently they are registered with the Law Society, does it mean they are real? Please help! Rob

Hi dx, Can you explain? I do not understand. The key questions for me is that (1) will Judgement really go to court; and (2) if so, do they have a case? FYI: when I changed address, there were no additional premium to pay. R

I accept your points. Does it mean Judgement has a case and will prevail if they decide to go to court against me? R

Thanks unclebulgaria67. I did recognize that admin fee may be charged. But I was not happy that they just took the money from my credit card without my authorization. When One Call cancelled my insurance, I considered it "even." Moreover, I consider that even if the fee was specified in the policy document but it should not mean I have to accept it. At the time when it happened (a change of address), they can ask for money according to the policy, and I can refuse. Then the policy is cancelled. I do not consider they can "enforce" the fee being paid up. Does it stand legally? R

Thanks, dx. Although I think they are using scare tactic to extract as much money as they can from people, I also think I have no time if it ever has gone to court. I worry I have to take a day off to present my case, and time to prepare for it. What if eventually the court still awards them and I have to pay up... R

Hello all, May I ask has anyone ever been experienced that Judgement Order Listings has issued court proceedings against you? My case with them is as follows: - I had paid up the whole year of car insurance (no claim and no cancellation) - when I moved home, I changed my address online with their website - I was charged £40 or so on my credit card without any invoice or notification - I told my credit card company I did not authorize the payment and they used the old credits card number (which was changed after bought the insurance) - credit card company refunded me - One Call Insurance requested £40 and when I refused to pay they cancelled my insurance - then a few months later, One Call kept asking for the £40 - then they passed it to Judgement who is now asking for the money - I have just received the "Court Action Notification" asking for £130 or so Not sure if this is worth fighting for, and whether they would actually go to court. I don't have time to play game with Judgement who is full-time chasing people for money. I think I have a case: as they charged me without any notification and they cancelled the insurance about one or two month before the 12 month term. Any advice? Any similar experience? Thanks, R