*** DISMISSED *** Small claims for stabling fees

[Amethyst]

Unfortunately the FCA rules only apply to consumer credit debts so don't cover this kind of 'debt'.

It it does seem likely that will be the end of it from Cobra - they'll have been lied to about the debt and you've given them evidence that it doesn't exist so that should be that.

[Stopbox]

Looking at the FCA, I though I might be able to complain about the way Cobra had handled things, ie just dropped that threatening letter at my door. But it doesn't seem that I am able to, just says to complain to Cobra. How disappointing

[Stopbox]

Wonder if they are misrepresenting themselves as enforcement agents too.

That would be good to know, especially if they get stupid about my request to remove my information

[Amethyst]

You can include it, ask them to send you all information they hold about you up to today's date and confirm it will all be removed with immediate effect.

[Stopbox]

I’ve already sent them an email regarding the judgement order.

I will organise another one asking them to remove my information from their database, can I include ‘subject access’ letter in the email or do I have to type that up separately to sign before sending?

[Amethyst]

I'd ask Cobra to remove all your data from their systems too. Reading their website they boast quite a lot about checking credit files. land registry and so on. Maybe a Subject Access Request Letter too.

They want to update their FCA auth on their website too as they still have their old interim permissions one on there ( irrelevant to your case but annoying )

Wonder if they are misrepresenting themselves as enforcement agents too.

[Stopbox]

Letter came by hand with a business card, has my name and address on the letter. It was the only form of communication I have received from them.

i have just spoken to the police, they have said that as she has not contacted me herself she has not committed a crime, and that all I can do is show the letter to the debt collection agency to prove that it the claim was dismissed.

[Amethyst]

OMG that's awful - is that literally all there was ? nothing saying what the debt was or anything ? Presumably there was some contact details ? And this was dropped through letterbox by hand or did it come through the post?

[Stopbox]

I’ve got a copy of the final judgement, so I’m sending a copy to Cobra. Theletter is attached for you to see, and this is the only letter I’ve received from them.

I will contact the police regarding harassment, as I think if I don’t this won’t be the last I hear from her and she needs to stop

[Stopbox]

Ok, thank you, that’s what I thought I should do, just needed moral support

[jaguarsuk]

My personal view would be to report to the police for harassment. She knows that this has been through court and nothing is owed, she has engaged these rent a mob to intimidate you into paying.

[Amethyst]

Did you receive a copy of the final Judgment from the court ? Just send them a copy of that.

They sound like a right lovely bunch

Contact us now and we will get your money back for you.

No nonsense, Face to Face collection.

We knock on your debtors door and do not stop until we get paid.

I'd just deal with Cobra for now, and assume it's a one off 'couldn't let it lie' effort from her... but if she does try again with another company then you are likely to need to look at harrassment proceedings.

Our rules are simple.

• You would need to supply Cobra with documentary evidence to confirm what you are owed.
• Your Debt must be collectable, we will not waste time chasing Debts that are not collectable.

Wonder what documentary evidence she showed Cobra... lol

they will be around to see me this evening with an enforcement team

That's not funny at all - particularly as they are regulated by the FCA to collect consumer credit debt. A pic of this letter might be interesting.

[Stopbox]

So, having thought this issue was now behind me. I got home from work today to find a letter from Cobra Financial Solutions sitting on my doorstep saying “Final Warning - do not ignore”. Checked them out online before ringing them to ask what it’s all about (letter states that if I do not get in contact by 5pm then they will be around to see me this evening with an enforcement team). Only to find out that the claimant is now going through these people to try to claim money, I pointed out to Cobra that this issue had been through the court and was dismissed and I can prove it. They asked me the date of the court proceedings and apologised. Then asked me to confirm all this by email too, which I will do.

But out my question is, what do I do now with the other person, do I report them for harassment? Or just ignore?

[Stopbox]

Thank you for that, I didn’t know about it. I’ve taken a screenshot so I can quickly refer to it. I shall also let all my colleagues at work know too

[GBExile]

We were just discussing what to do if she gets in contact again, and that was our conclusion tok

If she contacts you again... You contact the police & get them to issue her with a "Police Information Notice" which will tell her in no uncertain terms that you regard her contact as harrassment.

When they issue her the notice if she contacts you again after the notice the police will investigate & the cps should prosecute. If it goes to court the judge should order her not to contact you for 1 or 2 or 5 or 10 years etc. If she breaks that court order she could go to prison. Especially if she continues breaching the court order.

So. firstly if she contacts you again call the police & get them to issue the "Police Information Notice". It doesnt cost a penny.

Else you have to spend money in civil courts to get a non contact/molestation order which a court may or may not grant depending on evidence.