GCTT "Warning before this case is transferred to solcitors"

darkwarrior

Sorry if this is explained anywhere, I have read post 4 of the Newbies thread and tried looking at pre-existing threads but I haven't managed to quite find the answer and those I have said to says ignore letters unless it says "Letter Of/Before Claim"

We've received the traditional debt letters but I'm not quite sure if the latest one from GCTT falls into that.

We've had the GCTT ("Warning before this case is transferred to solcitors") and ZZPS ("Debt Collection Notice") letters and one from Civil Enforcement ("Letter Before Action - Claim for Debt")

It's the "Before case is transferred to solicitors" bit that stands out to me.

Would these be a "respond" situation or still ignore?

 If it's relevant it's also addressed to the wrong name but right surname (Think Robert instead of Richard), but I think last time this issue arose spelling mistakes didn't matter. 

Thanks in advance

Umkomaas

Ignore CGTT, they're just debt collectors. The LBA from Civil Eenforcement is probably of more interest. Did that come to you before or after the CGTT letter? 

Castle

GCTT is just a trading name of ZZPS.

LDast

Only a solicitor representing the Clamant or the Clamant themselves can initiate a claim. Any debt collector is a third party to the contract the driver allegedly breached with the PPC. 

So, always consider who is threatening to initiate a claim. Additionally, any real LoC must give at least 30 days to settle the alleged debt.

As already pointed out above, CEL tend to issue their own claims and any real LoC is likely to come from them directly. Anything from a debt collector is to be ignored no matter what it says.

darkwarrior

Umkomaas said:

Ignore CGTT, they're just debt collectors. The LBA from Civil Eenforcement is probably of more interest. Did that come to you before or after the CGTT letter? 

The Civil Enforcement letter was issued on Jun12 with a debt of £140, the GCTT letter was issued on 13JUN with adebt of £170

Gr1pr

darkwarrior said:

Umkomaas said:

Ignore CGTT, they're just debt collectors. The LBA from Civil Eenforcement is probably of more interest. Did that come to you before or after the CGTT letter? 

The Civil Enforcement letter was issued on Jun12 with a debt of £140, the GCTT letter was issued on 13JUN with adebt of £170

one from Civil Enforcement ("Letter Before Action - Claim for Debt")

So the CEL letter is of more interest, so as you said it's an LBA ( LBC or LoC. ), does that new CEL letter from the actual claimant comply with what LDast says above. ?  30 days notice and includes financial forms. ?

Its that latter sentence highlighted in bold that stands out to me!

You really need to give proper information if you want proper targeted advice 

LDast

darkwarrior said:
The Civil Enforcement letter was issued on Jun12 with a debt of £140, the GCTT letter was issued on 13JUN with adebt of £170

I'm not sure which bit of "ignore" anything and everything that comes from a debt collector you are missing. GCTT/ZZPS are nothing but bottom-dwelling scumbag debt collectors and you should be ignoring anything and everything that they say. IGNORE!

darkwarrior

Gr1pr said:

darkwarrior said:

Umkomaas said:

Ignore CGTT, they're just debt collectors. The LBA from Civil Eenforcement is probably of more interest. Did that come to you before or after the CGTT letter? 

The Civil Enforcement letter was issued on Jun12 with a debt of £140, the GCTT letter was issued on 13JUN with adebt of £170

one from Civil Enforcement ("Letter Before Action - Claim for Debt")

So the CEL letter is of more interest, so as you said it's an LBA ( LBC or LoC. ), does that new CEL letter from the actual claimant comply with what LDast says above. ?  30 days notice and includes financial forms. ?

Its that latter sentence highlighted in bold that stands out to me!

You really need to give proper information if you want proper targeted advice 

So the Civil Enforcement Letter has:
*A low debt amount
*It says "We also refer you to paragraph 4 of the PAP, which requires you to respond to this letter, completing the enclosed reply Form within 30 days of the date of this letter. If you do not pay or respond within 30 days of the date of this letter we will commence proceedings against you to reocver the unpaid debt."

It has an information sheet with 3 sections, Do You Owe the Debt? and How Will you Pay? and Do You intend tTo Get, Or Are You Already Getting Debt Advice.

It also has a Standard Financial Statement form on the back.

The incident is from 5.5 years ago.

darkwarrior

LDast said:

darkwarrior said:
The Civil Enforcement letter was issued on Jun12 with a debt of £140, the GCTT letter was issued on 13JUN with adebt of £170

I'm not sure which bit of "ignore" anything and everything that comes from a debt collector you are missing. GCTT/ZZPS are nothing but bottom-dwelling scumbag debt collectors and you should be ignoring anything and everything that they say. IGNORE!

I know but it's the Civil Enforcement one that's throwing me off since that seems to fall under threatening court as a next step.

LDast

darkwarrior said:
I know but it's the Civil Enforcement one that's throwing me off since that seems to fall under threatening court as a next step.

As they are the Claimant, they are entitled to do that. Everything you've stated that they have written, sounds like a real LoC. Respond accordingly.

Gr1pr

darkwarrior said:

LDast said:

darkwarrior said:
The Civil Enforcement letter was issued on Jun12 with a debt of £140, the GCTT letter was issued on 13JUN with adebt of £170

I'm not sure which bit of "ignore" anything and everything that comes from a debt collector you are missing. GCTT/ZZPS are nothing but bottom-dwelling scumbag debt collectors and you should be ignoring anything and everything that they say. IGNORE!

I know but it's the Civil Enforcement one that's throwing me off since that seems to fall under threatening court as a next step.

Treat it as a real and formal LBC and follow the advice in the newbies sticky thread, second post 

They don't have to use a third party lawyer firm, they may be doing yours in house, it seems that way to me 

The fact that there was a debt collector letter shows that the left hand doesn't know what the right hand is doing, so shambolic, nothing to see there