dont forget to keep all and any text messages you get from the trader, they may well help later if you need to pursue this through county court.....sorry rebel11..just thought i would add that

npe no more pay day loans no matter what....since the first post i have lost my job and i am now on esa so no chance of being able to pay any loan back

i had an email yesterday informing me, that the loan i had is being written off by the end of the month. as they failed to do proper credit checks and affordability checks

Just had an email from wonga....they will be writting off any and all outstanding balance as they failed in their process to determine the loan could be paid back...result

surely the DVLA would have known by their own records how many people needed to renew their tax, with this they should have prepared better, unless of course they are looking to send out their penalty notices for not having tax

Nope no intention of responding, the only response they get from me is a full witness statement when its due and obviously the AQ when i get it. i read between the lines of their letter basically pleading for me to withdraw my defense so that they can win by default and me admitt the claim...NO CHANCE. if i thought i didnt have a case i wouldnt have let it get this far ..but i have and i will be happy to see this one through.

this is from Restons thank you GM, they even sent me an I.E to fill out along with a form to withdraw my defense (so that they can get judgement by default)

Well my defense went in on time, had a letter from Northampton to say that they have it and it will be passed to the claimants. today brings a letter from them 1) my defense used is one readily available on the internet. 2) they say that i should have had a copy of the contractual terms when the account was opened and they cannot understand my reason for the request. 3) they have sent me copies of the NoA which they believe constitutes valid NoA 4) although i have put them to strict proof, i have not entered into an agreement with the claimant 5) my defense has little or no chance of success so they are going to move to have my defense struck out 6) they invite me to withdraw my defense in order for me to avoid a ccj and further costs being awarded. any thoughts cheers Lets

To clarify, where you on a motor bike or a pedal cycle.

yet again many thanks for the help Andy I have amended as suggested an have also added this to Para 3. many thanks Lets

many thanks again Andy, here are the POC as it appears on the claim form. cheers Lets The Claimant Claims payment of the overdue balance due from the Defendant/s under a contract between the defendant/s and vanquis dated on or about 3/2/06 and assigned to the claimant on 23/2/11 in the sum of £xxx particulars a/c No Date item total 30/06/2014 Default Balance £xxxx Post Refrl cr nil total £xxxxx

HI all here is my amended defense ...hopefully it will be ok as i will need to get this off tomorowor thursday at the latest. any and all thoughts most welcome cheers Lets Particulars of claim 1.The Claimant Claims payment of the overdue balance due from the Defendant/s under a contract between the defendant/s and vanquis dated on or about 3/2/06 2. Assigned to the claimant on 23/2/11 in the sum of £xxx particulars a/c No Date item total 30/06/2014 Default Balance £xxxx Post Refrl cr nil total £xxxxx Proposed Defence

Hi Andyorch I had a quick look through some of them, but was just getting a bit confussed, brain not functioning 100%. The defence above was an edited one I used with Cohan when they tried to get a CCJ. I didnt think that a defence as per one below was enough as I had already had a copy of the CCA (although a bad one) so shall i just edited this one to suite and use the info I have for the witness statement when and should the time arrise. Many thanks yet again Lets

Hi All i have just finished drafting my defence in this claim, please can you guys n girls of wisdom have a read through to see if it is ok to send...by deadline is getting close many thanks Lets

yes got 2 sets of info back, in one of them is a few pieces of paper detailing transaction history that says insurance premium, that has been crossed out and in hand writing are the words Repayment Option Plan I have only one copy of terms and condition which does not show what the rates of charges and fees are. the only default notice received is the one earlier in this thread. no termination letters at all. just trying now the best way to defend the claim, when Restons have been Vague in their POC. " The Claimant Claims payment of the overdue balance due from the Defendant/s under a contract between the defendant/s and vanquis dated on or about 3/2/06 and assigned to the claimant on 23/2/11" also been through all of my statements and can see that Vanquis increased the interested rate a few times, the worst when the account was in dispute when they took purchase interest to 54% no notice of interest rate increase ever received for this one and a few others.

Many Thanks for the confirmation Brigadier2jcs just looking through all of my paperwork for this, and I have kept everything since I first wrote to Vanquis. I have a default notice which is not valid I do not have a letter terminating the account therefore i believe the account was sold on without it being terminated in the correct way.

Sorry for not posting for a bit about this....been in hospital so defence has not been submitted as yet, just working on that now. just a question...for a credit card account to be sold on am I right in thinking the process is this Default Notice Notice of Termination of Account notice of assignment cheers for any and all advice Lets

dont forget when communicating with the seller, do it in writing and send recorded or have a witness with you to show delivery of the letter..that way if you do have to take court action you have a paper trail giving the seller chance to put it right. hope you get sorted, pls keep us updated

From previous experience, EE/orange have blocked the sim car from being used but have not barred the phone, I had an Iphone 3, i managed to get the phone unlocked and used another sim card. as for chasing the debt, they will write several letters demanding payment, then after a while they will sell the debt on. the account I had was sold to Lowell. if the purchasing debt company do try court , they try for a CCJ in order to get the outstanding balance from you, debters do not go to prison for debt

to put you at ease llea52. I had windscreen ticket from UKPC for the excact same thing. 1) followed advice and waited for notice to keeper 2) when notice arrive, appealed as vehicle owner and not driver to UKPC 3) UKPC refused appeal, but sent POPLA code 4) Appealed to POPLA ( cost to UKPC around £29) 5) UKPC failed to offer any evidence, ticket quashed by POPLA. In all took around 14 weeks from date of issue of ticket to getting it quashed. my thread is here, if you would like to have a read http://www.consumeractiongroup.co.uk/forum/showthread.php?424265-UKPC-Ticket-Disabled-Bay-No-Badge-Advice-Pls-**Won-at-POPLA**

yep Sure has...thanks again all

Hi All Many thanks for the advice on this charge notice. i have just had a response from POPLA with regards to my appeal. many thanks again Lets

This is the letter that will be going to Restons any thoughts

failing to acknowledge the claim, will give Lowell a default judgement and will leave you with a CCJ. acknowledge the claim but make sure you mark it as defend all.

Thanks Again for the response Andy, I will now write to Restones demanding a copy of the original signed contract, sending the same to Cabot. Brigadier I will sort out 2 letters for Vanquis 1 claiming the fees/charges back with interest and the other reclaiming the ROP/PPI just need to rework out the amounts. ta for responding Lets