Hello all... Today I received a notice email from them that someone will visit the above address within 14 days (there is no address listed) This is for a company I got roped into joining online back in 2016 and never received the products for so I cancelled my monthly payments for this company called Enagic. Nothing happened for 3 years until around a month ago when I got an email from CLI telling me that I owed £998 and that they would be chasing me for the debt owed. Same emails as you've had above and they've sent 3 since. I am very worried about this and do not wait debt collectors at my door despite you're reassurance that they can't enforce anything. Is there any actual way they will either come to the door or try to collect this debt? Please note that I do not live at the address I was at back in 2016 and have moved several times since. I am now living with my partner in our first home which we own and moved in may 2019. I got into this business and I do not want to pay for something that I never received and got coaxed into joining with false promises etc. Enagic Europe aren't a UK company and it appears that after 3 years something has been done and CLI are trying to chase me for the debt. What happens from here on out? Do I try and seek advice or just ignore? I've ignored every email they've sent me and as far as I'm aware the only information that they have is my email address.. Not sure if they've ever sent a letter as I'm not at the address I was at during the time I joined the business. Back in Feb 2016 I was roped into joining a terrible business called Enagic. I was promised thousands of pounds in commission and I'd be coached through the process etc etc etc. To cut a long story short, I made no money and I wasn't coached through anything. Nor did I receive the help I was promised and I spent over £1,000 on FB ads with no success as promised. I cancelled my monthly payments to this terrible business almost straight after and I've never paid since. Nothing was said or mentioned until around 4 weeks ago when I received an email from a company called "Credit Limits International" demanding payment for this debt and they will chase me for it etc. Very threatening and making me very worried. Joining this company put me in debt with another loan for the FB ads (which I am still paying to this day) it caused me to have to put my online business to one side and get another full time job which I am still doing now. I ignored their emails (the only way they have been able to get in touch with me) and today I received an email saying they will visit my house within 14 days to chase the debt on the above address... There was no address written in the email and they've never mentioned my address or phone number etc. What shall I do? I've been reading a few threads from people saying that they had the same and that they can't enforce anything and that they are just a DCA company that sends empty threats in hope that people will pay for something that they don't owe or that they've taken on a debt that most people were unaware of. I've moved house 6 times since I joined the business and I have only lived at my current address for 3 months. I am worried they will visit my home demanding payment for something that has pretty much ruined my life for the last 3 years and I have had no communications with Enagic of CLI since I cancelled these crippling payments to this horrible business. They are trying to chase me for almost £1000. Nothing has been mentioned until August 2019 after over 3 years. am I right in saying that they won't know where I live ? On the email they've never written my address, phone number or anything. The only information that they have is my email address I think. Please advise me on what I should do. Thank you all in advance!!! Any advice and reassurance would be appreciated. Also, did anyone actually get a visit from these people? Thank you all!

My partners car was stationary in a car park on 06/01/2017. There is a fee payable of 50p for 1 hours parking. The driver of the car went to the machine, realised they didn't have change for it, and returned to the car. The car left. The Reg keeper wasn't driving. When they got back to the car, a plastic envelope with a piece of printed cardboard was inside with the name MyParkingCharge.co.uk on. It has a serial number on it and a date only, hand written. It has no offence date, time, day, location, penalty details, appeal details or registration number of the car. As far as I can see, reading the rules - PoFA 2012, this is an invalid NTD. The date on this card was 06/01/2017. On 19/01/2017 my partner as the Reg Keeper, has received a Notice to Keeper (NTK) letter from Excel Parking. This has all the day, date, time, location car registration and contravention details. The issue date of the NTK is 13/01/2017, but was only received on 19/01/2017. The NTK doesn't mention PoFA act. It states the appeal services is IAS, and Excel are a member of the International Parking Community - IPC. The NTK has no ANPR information or pictures of the car or contravention. I am composing an email to DVLA for the intentional abuse of the PoFA rules Excel and the DVLAs breach. As the NTD is flawed (in my opinion) approaching DVLA is improper and the issuing of the NTK within 28 days means the Reg Keeper is not liable, only the driver. Any thought for suggestion on how to proceed would be gratefully received. NOTE. There is no ANPR on this car Park.

Do CLI have any power to raise a CCJ for a debt that they do not own, e.g. a foreign debt?

Afternoon all, I’ve received a ‘formal debt recovery notification’ letter from some outfit called Credit Limits International (CLI), asking me to make payment for a debt owed to the ‘Corpo Di Polizia Municipale Di Firenze’, with regards to the Italian Highway Code. I’m unsure as to what the debt is for - I’ve not received any notice prior to this. It does, however, have a ‘Car reference’ that appears to be a number plate. All I can think of is that my wife and I hired a car during the summer of 2015 - when we got married (!) - in Florence, and perhaps it refers to that (the car was returned to the car hire company without an issue, so I can only surmise I must have committed a speed or driving offence without realising). This is the first time I’ve received a debt collection letter and I’m unsure what to do next. If there was a genuine offence then, as annoying as that is, fair enough - but I’m a tad peeved my first notice is a letter that mentions an ‘enforceable order’ in Italy and ‘prosecution in this country’, plus asks me to cover payment of several high costs - not just the ‘infraction amount’, but also interest, legal and collection costs, bringing the total to almost £400. Any next steps would be greatly appreciated. Many thanks!

I am being chased for a debt by Credit Limits International based in Kent. I defaulted on a mortgage in France ignored them for a while as I read it on this forum they managed to get hold of my mobile phone number and started calling me. I spoke in depth about my financial situation and they advised me to speak to a debt charity (step change) They found the whole thing a bit confusing as it was a debt abroad. I have several questions: Are CLI working on behalf of my bank or have they bought the debt? Can they take me to court? Various sites say if they have bought the debt they can take me to court in the UK as they now own the debt? Can they keep adding charges if I chance it to see if we go to court? Ive not got anything to give really as my current debt level is double what I owe them. Thanks for listening

Hi All, We recently submitted a claim to the Halifax for PPI on a loan which was sold to us on the basis that the PPI was a necessary stipulation of the application. After 8 weeks of complete silence from the Halifax we today received a letter. The upshot is that they are refuting our PPI claim on the basis that they sent a letter to us 4 years ago stating that they had reviewed their PPI sales process and found that our PPI policy 'may' have been mis-sold. They apparently outlined common failings and invited us to respond if any of these concerned us. Now, apart from not even recalling such a letter or being able to find it in our records; is this sufficient reason to abdicate their responsibility to refund a mis-sold policy? If so, it seems to be a nice way of sidestepping the claim. Now 4 years ago I don't think we were in any way as educated to the whole world of PPI as we are now and so at the time we might not even have thought of ourselves as in the bracket of the 'mis-sold'. However, with greater and greater information and publicity around the whole scandal - we re-educated ourselves and took a longer look at our finances and historical loan applications. It now seems that was all for nought and that even if we were mis-sold, The Halifax can simply state they sent a letter 'way back when' and that's it - no redress. Am i missing something or doesn't that seem particularly unfair and insidious. Is there now anything we can do? or do we simply close this particular chapter and move on. Interested to know everyone's thoughts. Many thanks in advance Kholo

Background: A widow, aged 90, on the basis of ignorance, initially refused a pension based on her husbands earnings. She didn't realise her error, and when she approached the organisation to redress the error, it was suggested that she may have been too late. Question: What is the legislation which suggests that Trustees of a Pension Fund may ignore a legitimate beneficiary of a pension fund, and may justify that they may not have to distribute a pension from that fund, because of the time element.

Hi everyone, Is there a time limit on how long you have to take an organisation to county court once you have received a final response to a complaint? I received a final response in November 2014 and then never took the matter to the ombudsman service. Since I am outside the time limit now the organisation have refused to allow the ombudsman to investigate. I appealed this to the ombudsman jurisdiction team as there were extenuating circumstances, however, this has today been rejected. Does the same limit apply if I wanted to pursue the matter in court? Thanks

Hi Guys I need help for my relative, she is on ESA WRAG income related , shes claiming over a year now and have not received reassessment letter yet. She has some savings around £15000, can anybody confirm if she is ok and her ESA payments will not effect if she let the relevant authorities know about her savings. Thanks

Changes to Bankruptcy and DRO limits from 1st October 2015 https://www.gov.uk/government/news/improved-help-for-people-struggling-with-problem-debt

i have a HSBC Basic bank account, and my withdrawal limit is 300 per day. however, i need to withdraw 350 tomorrow, is it possible for my local branch to raise my withdrawal limit to 350? if so, would it be an instant process? what documentation would i need to take with me? reply soon Thanks

Hello, this is an 'academic' query I'd like to ask. I was doing some background reading recently around ET matters (I'm doing some voluntary work at a CAB at the mo) and I noticed that there was a time apparently when tribunals were limited to a costs award of £500 against a claimant (a golden age?). Could someone tell me when this all changed? I imagine it must have been years ago given the blank look I got when I asked at work. (I assume that when the limit was removed it may have had a similar effect on the number of ET claims submitted as had the 'recent' introduction of upfront fees?) PS - heartening to see so much helpful advice and support still be shared on this site.

Hi I requested that a default entry be removed from my credit file due to the entry been inaccurate. I provided evidence in the form of a letter from the creditor which clearly states in it that the default notice that was issued was defective. Therefore if the notice is defective then the entry is incorrect and breaches the DPA. Experian emailed me back today stating they had asked the creditor and the creditor informed them the entry was correct. What planet are these people on exactly? They simply state that as the creditor has said it is correct then they cannot remove the entry. Well if the creditor says its correct then of course it must be hey? Even after showing them clear and valid evidence that the default was defective they do nothing about it. They do not even question the creditor by informing them the consumer has provided evidence to suggest the entry is not correct. The CRA's obviously believe they are above the ICO's guidelines and the DPA and it is about time some kind of legislation was brought in that will well and truly wind their scrawny little necks back in. James

Asking for a friend. Could someone please point me to the current rules on capital limits, cut offs and reduction ratios for someone who is receiving IR ESA WRAG, SDA, DLA (LRC & MRC) and in receipt of LHA and CTA ? It would be helpful if they were in some sort of simple, tabular form because my friend is profoundly dyslexic. I know this is a big ask. I can work on reformatting information but thought I would ask here, as the information might already be out there in a dyslexia friendly format. Thank you in advance, wise folk of CAG

Hello, first time user, sorry if this is in the wrong place or anything! I was interviewed in my home in April 2012 by a Compliance Officer from the SSA and for the last 15 months it has been constant requests by the decision maker for documentation, which I have always complied with and supplied to them. It's to do with my exceeding the savings limit for the last few years (I thought it was higher than it was). But 15 months is a long time, it is actually delaying essential medical treatment, and I have letters from my doctor and my specialist to describe how essential this treatment is, and how possible fatal to my health, particularly my mental health it will be to delay. Even my solicitor who sees these things all the time was affected by the letters they gave me. But despite these letters and having every document I can think of (my last 10yrs bank statements was the last request), they refuse to reach a decision. Is there a time limit on investigations whereby they need to make a decision? One of my conditions is protected under Section 75 of the Northern Ireland Act - could this continuous delay (knowing continous delay as they now have my medical information) be seen as an abuse of process and discriminatory? I just want them to reach a decision. Thank you for any replies.

Hi all, I had an accident in work on August 12th. Today, I had a letter from my employer that I need to attend a disciplinary hearing next week because I initially failed to report my mishap to all and sundry. Is there a time limit for when the incident actually happened and when my employer can call me for a disciplinary? Funnily enough, I asked for a copy of the incident report I submitted to our jobsworth, sorry, very efficient H&S rep, to show my creditors that I'm not pulling a fast one when I tell them I can't pay my bills due to being off work after an accident. One day later this disciplinary letter comes through the door!

My question is based on a sale of goods act and trading standards infringements by Xerox (UK) Ltd. What I need is an answer to the questions at the end but will try and tell you about our dispute. I now have evidence, 6 years later, that Xerox (UK) Ltd and their Premier Partners Zerographic System Ltd sold, at the time, expensive digital printing presses that had a known fault and were over specified. The document they used in their statements in Feb 2012 to say that we bought the wrong machine (the route of the dispute in 2006) was a Customer Expectation Document (CED) that was produced, by Xerox (UK) Ltd and dated 2 weeks after we bought the machine. It was not known of, or shown to us, until Feb this year (2012) and during an investigation concerning this new evidence used against us we unearthed that in correspondence between Xerox & Zerographic’s, in 2010, that Zerographic’s themselves had not known of such a document existed until November 2010. The CED specifications say at best the machine will only do 10,000 to 40,000 per month regularly, 5% to 20% of the brochure's specifications of up to 200,000 per month (there is no indication on the brochure that other specifications or technical information is available) and both Xerox and Zerographic’s did not make us aware of this discrepancy in pre negotiations of purchase (they could not as the CED did not exist at the time of purchase). If they had it was obvious it would not do the 50,000 to 75,000 copies per month we needed and we would have bought the Canon Digital Press. I have 3 independent witness statements that support at no point at a trade show (6 weeks before purchase) did Xerox or their reps. say it was not suitable and in fact on they supported it was perfectly fine for our use. Xerox gave us the brochures at the show. The twist and turns over the last 6 years I would need a week to explain. In the end we were run in and out of court for CMC's and mediation which all made no sense until this document appeared in Feb 2012. We had spent over £180,000 in legal fees to end up at the beginning when we asked both in November 2006 to state why they say the machine was working within their specifications when in reality it was not even working closely to the specifications we had. They avoided replying to this until Feb 2012 In the end we went to court as litigants in person. No choice as we have run out of money. Solicitors only work if paid. To say the hearing was a farce as we have £0 and they have an endless pot. The reasons for the hearing are complex. What I need to know is very simple. Does anyone know the limitations in time to presenting a skeleton argument for a court hearing? I have been told it is 7 days prior. Does anyone know the rules and where I can find them? Does a lay representative have to have specific litigation knowledge or experience? No 3 is contentious but the judge in our case refused our request specifically on the grounds of his lack of litigation experience even though he was a retired Police Chief Inspector. I was there but cannot defend myself when I am in such intimidating places. I also have a serious stress situation. I have checked and there are guidelines but nowhere I can find the specific reason the judge used. Can anyone answer no 1 and 2 for me? 3 I am not too bothered but would like to know Thanks