sapper2409
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Everything posted by sapper2409
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thanks dx , but still confused, you and i know she is the defendant so why type the letter as though she is acting on behalf of a client i shall of course ignore it , hopefully now they realise that they can't get the original agreement we shall hear no more from them or rectums. thanks
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hi all , well it has been quiet with this problem till today when the missus received a short letter from global arrow I have typed it out as only five lines see below " We write further to previous correspondence . We are unable at this time ,to obtain a copy of you client's Consumer Credit agreement from the originating creditor. We confirm this account will not be the subject of collection activity until such time as the document becomes available and we provide your client with a copy of the same ." now to me looking at the letter they can't get the original agreement because there isn't one (newday) and they aren't going to bother us any more the only thing that concerns me is that they are addressing my missus as though she is acting on behalf of a CLIENT when in actual fact she is the client , or is it just a standard letter they send out .
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hi all again , we just received the latest letter this morning see attached , I don,t know who idem capital securities limited are , I think they are backing down now because they can,t get documentation from the original creditor because there isn't any from newday , if this works in our favour I am wondering if we can claim back the money that newday have been taking out of her bank account every month until I found out and stopped it this is going back a number of years .thanks sapper global arrow.pdf
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hi all once again , sorry to be a nuisance the latest letter came through this morning from restons , what to do now ?? are they backing down ?? shall I reply or leave it as it is , please see attached thanks sapper restons 3.pdf
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hi again , well received a letter from arrow global see attached letter, they sent postal order back ,also there is a new name come into it idem capital securities ltd ??so what happens now apart from wait and see l.o.l. thanks sapper ` arrow global .pdf
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hi all, well the latest chapter of this story is we received a letter from the court , please see attachment I think the ball is back in restons hands now also still haven,t heard from global arrow about the CCA ,should I pursue global about it ?? and what happens next ?? thanks sapper court letter 2.pdf
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hi dx again , the missus copied the no paperwork letter out word for word except the names and dates on their defence form and extra paper and posted it to the court , so do you know what happens now ? also have not heard from global arrow yet thanks sapper
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does she write a letter to the court or will the court send more paperwork out to us ? telling them she never had an agreement or signed an agreement with newday only Debenhams back in 1988 .we are waiting on a CCA. from global, also restons says they haven't got a copy of the credit agreement so they are asking their client for it, as I said I know nothing about these legal matters thanks for your patience
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hi dx , naw I will be at my second campsite at tighnabruich on the 8th ,why ? is there a reason ? may come back down the east coast normally go to seahouses near lindisfarne and don,t do skeggy l.o.l.
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thanks andy and dx for answering so quick ,we will be travelling around scotland spending a couple of days in each campsite working our way up to fort william so not taking laptop or internet .
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hi again , we got a letter from restons today saying there were errors in the letter for CPR31,14 and they are not sending it .what now ?? I haven,t heard from the courts yet , as we are going on holiday (camping) on Friday , I think the court case will be over and done by the time we get back anyway I have scanned the latest letter hope it is readable and how can they send the original agreement with newday when she never signed anything agreement from newday . thanks sapper2409 court letter.pdf
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thanks dx ,the mist is clearing I,m not very good with legal matters now give me a bike or lump of metal and I,m an expert l.o.l.
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sorry dx ,i,m stupid what do you mean, keep it to myself unless it can help me IF it ever does get to the witness stage , i dont understand i,m an ex squaddie l.o.l. i got a printer with scanner and about 150 pages from newday , newday also sent a load of memo,s all words abbreviated, they also sent along with these was a glossary of what the abbreviations mean the only trouble is that the glossary and memo,s don,t match up . thanks again
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yes dx, it came about 12- 0- clock today ,i posted the CCA to arrow and the CPR31,14 to restons
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hi again , well the latest chapter is that we sent the CCA to global arrow and the CPR31.14 to restons this morning when the postman came there was a big fat envelope from newday it had all the account statements going back to june 2007 , also they sent a letter , notice of sums in arrears and it is for two payments the 30th /04/15 and 28/05 /2015 the address on the letter is Romford as is the account statements . they also sent a badly photostated copy of the application for a debenham account ,which the missus remembers filling it out, it is dated 1/10/1988 there was another sheet of paper titled "account details " and on there is the usual, name, address and her details , the next item is " date account opened and that was dated 02 / 06 /2006 then, next is " account closure date " N/A, and finally "account block added " 09 / 07/ 15 ,it seems there is a discrepancy on the dates when the account was opened ? , she never got a letter from newday informing her of the account changing hands, we believe that the "account blocked added " was when she found out that newday was taking money from her account which she put a stop to it immediately by informing the bank . as I said before she phoned newday up about all this and they said they would look into it so nothing else was heard about it till now , once again thanks for any advice
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hi dx , i went on the MCOL website and registered then went through the boxes ticking them ,as i said before i made a school boy error by ticking the jurisdiction box , do i mention i requested a SAR and no reply ? do i send a CCA request to claiment AND the lawyers ? or is it just the CPR31:14 to the lawyer ?? now then can you please tell me this cpr31:14 do i write it all out because there is two lines in red telling me to delete certain things and i,m not sure what i have to delete . thanks
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hi andy and dx, the particulars of claim are The Claimant claims payment of the overdue balance due from the Defendant (s) under a contract between the Defendant(s)and NewDay Ltd dated on or about Jun 02 2006 and assigned to the claimant on Oct 18 2016 particulars a/c no- 73****************** DATE.............. ITEM ........ VALUE 15/05/2017 default balance .. 1384.29 Post Refri Cr NIL TOTAL 1384.29 The Claimant believes that the facts stated in this claim form are true and I am duly authorised by the claimant to sign this statement Signed N**** P***** C** (Claimants Legal Representative ) I think I have done it right this time lads , I have typed it as it is on the claim form it says on the claim form the total is 1384.29 but with lawyers fee and court fees takes the total to £1534.29 (notice I put the pound sign in not like them ) . once again thanks for the help
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Name of the Claimant ----- arrow global Date of issue – -- 07/07/17 What is the claim for – 1,The Claimant claims payment of the overdue balance due from the Defendant (s) under a contract between the Defendant(s) and NewDay Ltd dated on or about Jun 02 2006 and assigned to the claimant on Oct 18 2016 2.particulars a/c no- 73****************** DATE.............. ITEM ........ VALUE 15/05/2017 default balance .. 1384.29 Post Refri Cr NIL TOTAL 1384.29 Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account--- Debenhams store card When did you enter into the original agreement before or after 2007?--- before 1996 Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim.--- arrow Were you aware the account had been assigned – did you receive a Notice of Assignment? --- no and no Did you receive a Default Notice from the original creditor? --- no Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? --- no Why did you cease payments-- because we didn,t have a contract with new day / arrow and they took two payments from her bank account Was there a dispute with the original creditor that remains unresolved--- no Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan --- no the card was a Debenhams storecard for £1000 limit , this account was taken over by Santander which she knew about , she lived in .... at the time and was up to date with the payments and was clear of debt and the card had expired in 2009 , when her partner died in February 2011 she was alone and a pensioner so she sold the house, cancelled all direct debits and moved to ..... to her family, what we believe has happened is that newday took over the Debenham store card accounts from Santander which she knew nothing about and newday sent a card and pin number to her old address in .... and the new owners or someone used it , when she found out newday took money from her account she phoned newday and queried it they said they would look into it, this was in 2015 she heard nothing more from then until she had letters from capquest and arrow in December 2016 / january 2017 now it has come to this . I know this is a long winded explanation but I thought it was better to tell you the full story . thanks for any help or advice
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oops ,I,m a schoolboy l.o.l. as I only received the court claim letter today I thought the deadline would be the 21st and we know what the royal mail is like , I shall do andy,s link tomorrow , meanwhile do I send CCA,s to arrow and restons or just restons ??? this is doing my head in l.o.l. been on it all day .thanks dx
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I registered on line to MCOL stating we were disputing this case and the jurisdiction , I did this because the claim form was issued on the 7/07/17 and it is now the 19th and I have only 14 days to contest this ,and no we haven,t filed a defence yet
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well people ,I have been on line and registered with MCOL stating we are disputing this claim against us as I thought that would be the quickest way of disputing this case instead of going by royal mail, and we are also going to send "global arrow " and "restons " a CCA request
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hi everyone, we have not heard from "newday " after we sent a SAR letter on the 12/6/17 , now today we have had a letter from county court business centre Northampton "claim form " dated the 7/7/17 and the claimant is arrow global and reston solicitors , in the letter there is a response pack with an admission form n9a, defence and counterclaim form n9b and an acknowledge of service form which one do we fill in ?? they don,t give us much time its been in the post 12 days and on the form it says we have 14 days to reply , do I phone the court up and explain to them we have just got the letter 0r do I fill in the form acknowledgement of service and send it registered post I have put the claim form on here hopefully ,thanks for any help and advice court letter .pdf
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hi everyone , I,m back l.o.l. we did what you said ,and sent a SAR to newday what happens now or after they receive the letter ,I know they have got forty days to reply ,then what,thanks not being in this predicament before we are new to all this
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would it be best to send an SAR to Debenhams and newday ?as Debenhams were the people she had the original card with, also how long have I got to send the SAR to newday and what do I do about restons ?as she has got to look for her bank statements and such as they are still in boxes she hasn,t unpacked them all . thanks
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it is saying on their letter it was the 30th of march 2015 if you look on the second page I posted it gives the information there ,it is saying original creditor is newday that is wrong because the original creditor was Debenhams , as I said they were taking money from her account without her knowledge it was only when they doubled the monthly account to £70 odd pound that she told me and I told her to get in touch with the bank
