Jendoc I am sorry to hear about what happened at your close relatives funeral as are the rest of the site team at CAG. This must have made an emotionally traumatic time even more disturbing for everyone there. So I can sympathise entirely with what happened and appreciate that those memories will stay with everyone for a long, long time. It is not something that I would like to witness myself. I think that, with one obvious exception, everyone here that has posted on your thread at CAG, has gathered round to offer support to you and then to offer advice on what you could possibly do. I also elieve that people should think before the

Why should you pay them anything. Send them a CCA and see what they come up with.

CCBC Northampton restrictions. A lot of your defence is from previous defence that I have drated. IMHO your point 7 admits the alleged debt and loses credability hence the need to keep that for the C/C.Your defence needs attention and so I will come back to you tomorrow if that is ok Regards Andy;)

Kids need to achieve they need role models they need inspiration they need understanding they need people to steer them in the right way some can acheive in exams some can acheive in vocational training some to just can acheive buy learning to read on BBc 2 tonight ar the proms the orchestra is made up from youngsters from isreal and palistine working together they have achieved something in there own way we should be proud of all those who have achieved in there A levels and next week in there gcse I heard a headmaster speak and he said he was increadable proud of those children in his school who had achieved GCSE passes and A level pass

I think he must be off swanning on holiday freaky, - but could certainly use him - things are hotting up around here.......LOL! __________________

Thanks, Berrylover. I'll send that off tomorrow. I only had 8 recorded delivery letters and six postal orders to do at the post office today. I know they will be so happy to see me again tomorrow.

Jesus H Christ what is it with these CRA'S just paid £14.95 to equifax to find out the default files that have been removed from experian and callcredit are still on my equifax creditfile. ffs what is it you have to tell them for them to remove them from all CRA's. just tried to send a complaint to equifax but it is playing silly buggers with me. anyone got a direct email link to a director of Equifax. i will let him have it. refused a poxy phoneline and other stuff in the past 3weeks due to the defamatory default marks on my credit files. sick to death of them please people help support finlander and the rest of us to

I had the phone right next to me when i read your post FB & decided to ring it - you'll never guess who it is....Capquest

You could complete a N244 form found here The requested resource (/HMCSCourtFinder/tiles/Her Majesty's Courts Service -Forms and Guidance) is not available pay the £75 and apply to have judgement set aside on the basis that you did not receive the claim form and if you had have done you would have entered a defence on the basis of non compliance with the CCA or you would have made an offer of £xx per month because thats all you can afford. You need to decide which direction you want to go. If judgement is set aside you may well still have to defend the claim and you will need to have a sound defence if this is the case. If you scan a cop

possibly try sending this to them, amend and edit to suit ACCOUNT IN DISPUTE Dear Sir or Madam, DCA Ref: Client Ref Thank you for your letter dated ****. I must admit that I am rather bemused as to why this account is still being pursued by yourselves, as it is in dispute with ***** and has been since *****. Not only is this a breach of OFT collection guidelines, but also in breach of the Consumer Credit Act 1974 and Data Protection Act 1998 As ***** are now in default of my Consumer Credit Act request I consider this account to be in SERIOUS DISPUTE. As you are aware while my Consumer Credit A

Rob file and serve! The Court expects each party to file their AQ at Court, and each party is required to serve a copy on their opponents. The exchange of documents between parties, is expected from the beginning of the case. So that would include AQ's, disclosure statements and pre-trial checklists as an example. AQ's are not confidential and if you don't send your opponent a copy, chances are they will file an Application Notice looking for your case to be struck out. The offending party would then receive a further Order giving them a last chance to serve the AQ by a specified date. If it's not done, the non-compliant party would los

I have access to the book but I think your query has been answered by Docman?!?!

I don't mind in the slightest if your ar$e bows to me Cf ... just make sure it doesn't blow any 'kisses' while it's doing it please.

Hi, ive been a bit busy the last few days, but ive been watching your thread, you actually have until monday to file so you could do it online over the weekend. If none of the specialists come on to help with a defence, we will have to look around the threads to find something suitable, have you been reading the defences on here to see if there are similar cases? If youre saying that the first you heard of cabot was the court claim and nothing since then you have everything going for you IMO

No, I'm afraid not. If the court adjourns the hearing, the creditor has to send a notice of the adjournment to the debtor but the Rule (6.29) does not specify that service of the adjournment order must be verified by affidavit. There is an assumption that the debtor must be present at the first hearing of the petition, since if he is not present, the court would normally make the bankruptcy order. Any notice of adjournment is therefore confirmation of what he should already know. As to the Boggiss case, I've drawn a blank. Never heard of it and nor have some of my old friends in Bloomsbury. If you can post anything about what i

Hi Well the Court as looked at the amount of the claim and therefore allocated you to fast track its at their discretion and you are corrct to be wairy re costs.However the flip side is as I have advised far better disclosure to enable you to prove your case.if you are adamant and I cant recall all the details of your case as Paul has been assisiting you the Claimant can only claim the true amount in the summons at the the time of the breach an is not allowed to add the interest as per your defence submission.You could call Court and explain your concerns to why this should be SCT and request the N149 and that you wish the case to be al

I refer to GaryH's very useful thread I'm filing it at the court on Monday. Obviously nothing is certain but I'm not sure how they could possibly be successful. Hopefully there will be a hearing and I get the chance to hammer them for costs!! I'll post as soon as I know the outcome. Feel free to use any of the letters/application, but only if they are approprite to your circumstances. Seek further advice if in any doubt!

No worries ODC and thanks for letting me know that I'd be wasting my time answering any queries you might pose. Any one else reading this might want to think twice about determining the level of expertise a man may have simply by reference to the number of days he has been a member of this forum. X20

Excellent - mortgage company being agreeable? - that's good news

Martin is perfectly correct, no bank ever settled happily and without trying to discourage claimants in the first instance. They tried every tactic under the sun to make people go away or settle for less than they were due. Anybody who thinks otherwise is obviously not as clued up as they think. As regards the Limitation Act, there is no harm in adding these to the claim, and if VM settles out of court, all good, if VM were to go to court, then the judge can deal with those separately (2 different arguments deriving from one - a) lawfulness of the charges THEN b) statute-barred or not). The only issue arises if VM settles before court b

SUCCESS !!!!!!!!!!!!!!!!!! LLoyds/Martin O Johnson have paid in full..... including compound interest going back to 1995 As usual banks will do almost anything to avoid going to court this time the next hearing was to consider limitation Historic terms and conditions seems to do the trick

Brilliant! Another great Fuzzyism for the collection!

Jai, Unfortunately I have several businesses to run, physiotherapy & exercises and a lot of other things on. I have had an extremely busy day and a half. With the credit crunch hitting hard, I am feeling the pinch and need to work harder. I will do my best to post some time tomorrow, but if somebody else has the time sooner, I won't be complaining. I would much rather not having any worries and being able to sit assisting people on forums all day every day, but unfortunately I can't. If you haven't already, it would be appreciated if you clicked on the scales and leave me positive feedback in the bottom left hand corne

You know i SWEAR i feel so much better just being on this forum, my family are supporting me but they just don't understand how difficult i am finding this whole thing. They keep saying ignore them and they will go away but they haven't and i don't think they will until something 'official' is in place. Thank you all so much. I now need to buy a load of stamps and get all this started. request CCA and respond to telephone harrassment!

Hi laddie, Just a word of advice if I may - if you go and see the Bank Manager only take a copy of the agreement with you - that way you'll have the original safe to produce in court if need be. I would also take a notebook and write down any points that are discussed along with the outcome. That will also come in handy for production to FOS ,FSA, etc......... If I'm preaching to the converted then my apologies, laddie Best of luck Let us know how you get on, if you will........ johnny

Why anyone would want to put slap on this........ Is beyond me!! :grin:

Send this to the bank.... Passing debt whilst in dispute Dear Sir/Madam, Thank you for the above referenced letter,although I am totally bemused as to why I have received it. The author of the letter seems to have taken no notice of the present state of the account as it stands,for the following reasons :- 1) In August of last year,in the High Court in Leeds,YOU applied for and were granted, a ‘stay’, to claims for ‘penalty charges ‘on this account for a sum in excess of £xxxx,way above the present outstanding balance.Part of the High Court Order states that NO ENFORCEMENT ACTION IS TO BE TAKEN BY THE BANK TO RECOVER an

This should help you....I presume your case is with regards to a CCJ ?? In the xxxxxxxx County Court Claim number Between xxxxxxxxxxx- Claimant and you - Defendant Defence 1) Except where otherwise mentioned in this defence I neither admit nor deny any allegation made in the claimants Particulars of Claim and put the claimant to strict proof thereof pursuant to Civil Procedure Rules (“CPR”) Part 16.5. 2) The claimant’s statement of case is insufficiently particularised and does not comply or e

Here's the letter I drafter for you (I suggest making a cuppa before you start reading!)

hiya Kia me thinks it is a court bundle have a look at the link, im sure pt or uk will be along Basic Court Bundle GOT A COURT DATE? Important, please read...... Examples of Witness Statements / Disclosure by List / Draft Directions / Case Summary

Letter two, to Connaughts. Dated 07/08/2008 Connaught Collections UK Ltd Purley Way Croydon Dear Sirs, Re. Overdone. Your Ref xxxxxxxx This service is in receipt of a complaint raised by Overdone regarding demands for payments in respect of a debt he does not owe. He requested a copy of the agreement in question and to date has not received it. Please be advised that as the complainant denies knowledge of this debt, and 1st Credit have been unable to provide evidence to the contrary, this debt is now in dispute and as such, I would request that you halt action until the facts have been established. Please b

There is a certain sub prime company based near me who has made 300 people redundant with no chance of anyone finding decent jobs in their own sector. Won't mention the name on here but it is a UK based one. I foretold this at the beginning of the year. Good luck Tawnyowl, once all the pressure is off you won't believe how well you feel - I've been through it and now nearly two years down the line they have sent two letters, both told 'come up with breakdown of shortfall' and gone away. They can send annual letters and they will be ignored. Biggest worry now is they might try to get their grubby mits on any pension lump sum I might h

This is why we need to look out for new members who are posting for the first time. When you post needing information/advice, you're scared and worried and check every few mins hoping somone will put your mind at ease by replying. Even if you can't help. Post some words of support and send a link to the thread to a Mod or someone you know can help. Everyone who posts on CAG is someone we can save from the DCA's. Someone who may know someone else who we can also help. Spend 5 mins a day helping people on here, and over a year just a few people can make a huge difference to this country, and help get rid of the ones that likes t