IAS appeal rejected

Not_A_Hope

No that is another waste of time 'final' letter from a debt recovery agency. When you fail to respond they may send more rubbish or eventually you may receive a Letter Before Claim. 

Umkomaas

Last one before it goes to court apparently.... Time to get nervous??  

About as scary as a ride on a 1960s fairground Ghost Train! 👻 

kris01

ok I've now received a letter before claim letter.....

What should I do?    I'm guessing at this stage its now going to court? 

KeithP

kris01 said:

ok I've now received a letter before claim letter.....

What should I do?

The first few paragraphs of the second post in the NEWBIES thread offer good guidance on how to react upon receipt of a LBC.

kris01

There's alot too it.  What's my chances of victory?    If I lose.  Do the court give you time to make a payment arrangement?  

Umkomaas

This is just a latest CIS ruse to confuse.  It is not a serious and formal LBC.  But just respond to it with key points - 'debt denied, any court claim will be robustly defended, get on with issuing a claim so that a Judge can adjudicate, you are absolutely confident that you will prevail'.

Stick that in their pipe and see if they splutter!

Coupon-mad

kris01 said:

There's alot too it.  What's my chances of victory?     

You'll know from the NEWBIES thread it's 99%.

If you didn't know our win rate then you do need to re-read the NEWBIES thread second post (not the first post about appeals). 

The bit you need to read also tell you about what you risk if you lose (nothing, as long as you follow our advice).

Why not also read some of the shedloads of LBC threads here right now?  Tons of them. No biggie.

patient_dream

kris01 said:

ok I've now received a letter before claim letter.....

What should I do?    I'm guessing at this stage its now going to court? 

So NPE ARE DOING A DIY job.    ..with a letter before claim.

Do they know what they are doing ?    DON'T THINK SO

A letter before claim is a legal requirment covered by PAP, Pre Action Protocol. This allows you to respond but NPE have clearly said ...... DO NOT CONTACT US but contact and pay Credit Investigation Sevices, 

So what have Credit Investigation Sevices, got to do with you, NOTHING, all they are are Leeches

"Leeches are segmented parasitic or predatory worms"

NPE, another IPC SCAMMER who clearly do not understand the law

DO NOT PAY OR CONTACT Credit Investigation Sevices .... IT IS A SCAM

AlCapwn

kris01 said:

ok I've now received a letter before claim letter.....

What should I do?    I'm guessing at this stage its now going to court? 

A relative is in the same boat and has received the same letter, I am helping them.

Don't panic, follow the steps mentioned by others. This letter is NOT from NPE, it's from CIS and trying to scare you into paying. But treat it like a real LBC and respond to NPE accordingly.

CIS are part of Unity Group and also own TNC Collections, who by now I'm sure have sent a bunch of letters before this.

kris01

Thanks everyone for your comments.  Very re-assuring to read.   

from what I have read.....  my following action points will be 

1. Request a SAR from NPE? 
2. Write a complaint to the Landlord.  (Nando's) and see if they are willing to remove the fine? 
3. Write a letter to NPE stating any court claim will be robustly defended and very confident that we win?  

 Any other steps I think I should take?