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Attachment of Earnings order and DCA
Hi all, I'm new here.....
So,I have an ongoing dispute with a well know DCA and their in house 'solicitors'. This all stems from 2009/10 and arises from certain wrongdoings by a bank/mortgage company AND the actions of the judiciary/courts.
Now,this DCA has bought a 'debt' from the bank that I was using at the time. ( When my house/home was 'stolen' from me by the wrongdoings by those listed above,I was so angry,that I just dumped all my repayments to my own bank......this is where the DCA becomes involved.). My own bank never wrote to me about it,at all !!!....Strange...
The DCA and their 'solicitors' were informed in no uncertain terms,that I knew very well that they were' 3rd party intervenors' and had no right of claim upon me. (It says on their info pages that: We specialise in purchasing unpaid or derelict accounts from banks and other financial institutions.).
So......they have now sent me a letter,stating that they 'obtained a judgement' against me on 8-2-2012 ! They also say that their 'client' (the DCA) has instructed them to apply for an 'Attachment of Earnings' order.
This raises 2 points....... 1: I don't believe that they gained any 'judgement' against me,as I rented a house just 12 months ago and no CCJ's or county court orders were flagged up as part of the checks that they do. and 2: If they do obtain an AoE order,how long will this last ?? Come to that, if they did obtain a 'judgement' against me in 2012,would that even be still valid and why have I not seen any notices about it,previously ??
I think that they're bluffing,trying to scare me (not working) and downright lying ! If they do manage to do the above,they will cause me 'loss and harm'.......how could I make a claim against them (maybe under common law)??
I do believe that this so called 'debt' is now statute barred and they have zero legitimate claim ! I shall never pay them a single penny,as in my book they are due precisely nothing !
Thoughts / advice please ??
So,I have an ongoing dispute with a well know DCA and their in house 'solicitors'. This all stems from 2009/10 and arises from certain wrongdoings by a bank/mortgage company AND the actions of the judiciary/courts.
Now,this DCA has bought a 'debt' from the bank that I was using at the time. ( When my house/home was 'stolen' from me by the wrongdoings by those listed above,I was so angry,that I just dumped all my repayments to my own bank......this is where the DCA becomes involved.). My own bank never wrote to me about it,at all !!!....Strange...
The DCA and their 'solicitors' were informed in no uncertain terms,that I knew very well that they were' 3rd party intervenors' and had no right of claim upon me. (It says on their info pages that: We specialise in purchasing unpaid or derelict accounts from banks and other financial institutions.).
So......they have now sent me a letter,stating that they 'obtained a judgement' against me on 8-2-2012 ! They also say that their 'client' (the DCA) has instructed them to apply for an 'Attachment of Earnings' order.
This raises 2 points....... 1: I don't believe that they gained any 'judgement' against me,as I rented a house just 12 months ago and no CCJ's or county court orders were flagged up as part of the checks that they do. and 2: If they do obtain an AoE order,how long will this last ?? Come to that, if they did obtain a 'judgement' against me in 2012,would that even be still valid and why have I not seen any notices about it,previously ??
I think that they're bluffing,trying to scare me (not working) and downright lying ! If they do manage to do the above,they will cause me 'loss and harm'.......how could I make a claim against them (maybe under common law)??
I do believe that this so called 'debt' is now statute barred and they have zero legitimate claim ! I shall never pay them a single penny,as in my book they are due precisely nothing !
Thoughts / advice please ??
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