Excel PCN NTK - Now a Default CCJ

abedegno

Reading the set-side/CCJ threads now.
I have mail forwarding in place, and they had declined to respond to my letter dated 20 July 2017, so saw no need to enter into further correspondence with them.

KeithP

nosferatu1001 said:

 sure you were told to update THEM with your address? That advice is on every thread. 

And it is on this thread too. See the two posts dated 1 May 2019 - just a couple of posts back.

abedegno

Guess I'll have to pay, as much as I hate lining Simon Renshaw-Smith's pockets...

nosferatu1001

Wait!
While you shoud be telling them, if your last comm was 3 years ago, they should have found out your address - they had no reason to believe that, after 3 years of no contact with you, that the address was likely to still be correct. 
Have you read other threads on set asides yet? YOu coudl offer a consent on the basis that £100 is cheaper for THEM than £255 when you get your set aside costs 

abedegno

Last comm was 3 years ago, and it was from me to them where I strongly denied the debt and advised then I would defend it vigorously should they attempt court.  

They failed to respond back to me, so I considered the matter closed.

abedegno

Spoke to the County Court Business Centre:
  Advisor: If you call Excel and pay it in full today it will be taken off your credit record, Excel are pretty efficient, we see a lot of these.
  Me: You see a lot of them, sounds like they're running a bit of a scam?
  Advisor: *Chuckle* 

nosferatu1001

Yes, i know. We all know this. 
Again
Thats reason enough to get a set aside. They cannot assume the address was good, so service of the claim form never happened and they were never entitled to a default judgement. 
You have read other CCJ threads yes? 
So you have a choice
Hurt Excel: pay up, and file a set aside. No risk to your credit. Small cost risk. 
Dont hurt Excel: pay up. 

abedegno

nosferatu1001 said:

Yes, i know. We all know this. 
Again
Thats reason enough to get a set aside. They cannot assume the address was good, so service of the claim form never happened and they were never entitled to a default judgement. 
You have read other CCJ threads yes? 
So you have a choice
Hurt Excel: pay up, and file a set aside. No risk to your credit. Small cost risk. 
Dont hurt Excel: pay up. 

Yes - I've been through the threads, in particular, those from Henrik.  Ordinarily, I would be an obstinate b*stard and want to stick one to Excel, however, the COVID-19 situation has left me run down and I'm not sure I have the energy to fight it...

Redx

Well it's your choice and I fail to see why it's being discussed in public

It's either do or don't , as Nosferatu pointed out

You have been scammed and are talking of giving in to sc#mmers , not the reason we help thousands of people who come here , mse is here to fight for consumer rights and justice , not to cow down to sc#mmers

nosferatu1001

Esepcially when paying now doesnt remove your ability to file a CPR13.2 set aside.