Judges Demand DCA - are they real!!

[jamieh]

I received a letter today from this company stating that I owe thme £122.

 

 

They said it was originally a debt from another company and had been £33.

 

 

It was for a parcel I sent that weighed more than I had put on the form.

 

 

The parcel was sent last November.

 

I did not receive any letters from the original company, or emails,

 

 

although they said the sent emails.

 

 

I do not see how they can increase the amount from £33 to £122,

 

 

when I did not even know about it.

 

I would be very grateful for any advice on this.

 

 

I live in Scotland.

[dx100uk]

scan up the letter

 

 

never heard of this lot

 

 

dx

[jamieh]

I will scan it on Monday.

[ScarletPimpernel]

I've heard of them. Mostly do commercial debts, and have probably applied commercial late payment charges.

[Ell-enn]

They shouldn't be allowed to call themselves that !

[Stigman]

http://www.judgesdemand.co.uk/

[BRIGADIER2JCS]

They shouldn't be allowed to call themselves that !

This mother and son firm seem to target smaller debts seen a couple only in the last year,

£30- £150 level, nursery schools fees.

 

 

I don't think Mrs Judge can be stopped from using her name.

[Ell-enn]

The name is obviously being used to frighten people into thinking it is a demand from a judge!

[BRIGADIER2JCS]

The name is obviously being used to frighten people into thinking it is a demand from a judge!

Indeed so, but I cannot see a way to stop them using the trading style.

 

 

A complaint to the CSA will get nowhere, as will a complaint to the regulators I think.

The FCA might note that it is possibly misleading but Judge is the owners surname.

[SabreSheep]

I concur, the manner in which it is being used could be construed as misleading and misrepresentation

[FairplayA]

I have always wondered why society needs private debt collectors at all,

if once a court has issued an order for recovery of debt,

why would any consumer who is owed money

ie is the creditor want to increase their costs of collection by using a debt collector ?

 

 

And as for the debtor,

I am sure they do not want to pay more than they have to especially if they are innocent defaulters

(ie they are not deliberate fraudsters),

then they certainly wouldn't like to incur extra amounts just due to a middleman/ unnecessary third party.

 

 

I believe the courts could allocate staff to monitor progress or leave it to the creditor themselves to collect their own debt.

 

 

And if a debtor still does not pay, it should go to the police because it means the debtor wants to steel someone's else's

money.

Edited August 30, 2014 by FairplayA

[BRIGADIER2JCS]

Often book debts are expensive to administer

so creditors look to sell of balances write off against tax ( or bad debt relief).

 

Debts are sold in portfolio lots with face values in the millions, each debt is sold for pennies in the pound but when accounted in total the selling creditors bad debt is significantly lower and the shareholders are happier.

[SabreSheep]

Even so, Judges may be surname, Demand is not

 

Judges Collection or Judges Debt Reovery etc are still better

[SabreSheep]

OK quick flip through some web

 

Certain names and expressions are considered "Sensitive" and require permission form varying bodies in writing before you can use. Others need you to have certain qualification and memberships.

 

Interestingly just because it is your surname you do not have the automatic right to use it as a business name if it matches a Sensitive word or expression.

 

I grant you one example of a commonly used surname.

 

KING

 

You cannot use this word unless the body shown below confirms (letter or email) that it has no objection.

England & Northern Ireland:

E-mail (faster & preferred) RoyalNames@cabinet-office.gsi.gov.uk

or write to:

Cabinet office

Constitutional Policy Team

4th Floor (South 1)

1 Horse Guards Road

London SW1A 2HQ

To support and speed up your application please email the Cabinet Office with as much information as possible such as the reason(s) you wish to use this word; the history of the company/organisation and its future plans; details of any Royal or Government associations/leading members; details of leading members and membership numbers; details of any publications and if appropriate, accounts for the last 3 years.

If you wish to use the name to represent an existing public house, hotel or similar establishment please provide evidence including the length of time it has existed; if the name represents a street name, evidence of location; if the name is a surname; if it has long usage and any other relevant information.

 

 

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Sadly though Judge or Demands are not on that list. HOWEVER one could argue that the example above means that just because it is your surname it does not exlude you from regulation and therefore must not be misleading or misrepresentation of legal authority.