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- Consumer Action Group

This topic was closed on 03/06/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

This topic was closed on 03/06/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

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Would that be a new N1 claim form. Sorry Im a bit confused on this.

Thank you for the reply. Thats what I cant understand with them. I thought they might withdraw it again. Would he use the fact that they had discontinued the last claim in his defence? Or is it best to contact the DCA and see if they will discontinue? We have emailed them but they havent replied. Is the AQ the next stage?

Thank you for the reply. Can they issue another claim if the first one they issued was subsequently dropped? Thanks again.

Can anyone help please.

Wonder if anyone can offer any advice please. The whole sorry saga of this college course goes on. As said above it was dropped at the AQ stage nearly two years ago but then passed on to a DCA. After a letter informing them the case had been dropped he didnt hear anymore then out of the blue (a year later) he has received the N1 claim form from Northampton, same DCA. He has contacted the local court where the original case was going to be heard and they have said they will send him the letter. He has said he will defend the case on the N1 claim. The problem is he is going abroad for two weeks and he hasnt heard anything from the DCA, who emailed to tell them the case had already been heard and cancelled and no letter yet from the local court. What should he do next? Any advice would be really welcome. If he doesnt do anything before next week they will get judgement by default wont they? Thanks for your help.

Thanks Pinky. The court has let the solicitor deal with it. So I have to let the solicitor decide when they have had the I@E and then if they dont agree or I dont agree on the amount we can apply back to the court. I always thought it was the judge who decided but in this case he let the solicitor as I lost the case.

I have a ccj from an unsecured loan. The court order said I had to send in an Income, expenditure and assests written statement within 28 days. I have done this but the solicitor has written back enclosing their own I&E and they want to know just about everything, bank details, pension details etc. If I have complied with the court order by sending in a written statement do I have to fill this form in? It does say on the order that "The parties are to agree within the time for payment by the Defendant to the Claimant of the sums identified in para 1 & 2 above, failing which each party has liberty to apply. So if I didnt complete their form just sent another copy of the one I have already sent them plus a payment could they do much about it?

I wonder if anyone can help me with the following. I have been trying to keep going with my business but the costs now outweigh the profits. I have been living on my savings to pay the mortgage and now that is more or less gone. I have been told I can apply for JSA income based and also get help with my mortgage interest. The thing is does anyone know how much you can earn (I get about £60 a week) and if I do get the help with the mortgage after 13 weeks I realise it is for the new rate of £200,000 (my mortgage is for £130,000) I will be 60 just at the end of the 13 weeks and can then apply for pension credit but will the £200,000 help with mortgage costs continue or will the 2 year time limit apply (under the new rules) and it will go back to £100,00 pension credit limit? I would appreciate any help as it is so confusing and I desperately need to sort my finances out before it is too late and I end up on the street.

Thank you DD and Vint.

Hi Martin3030

Thanks for moving the post but not sure what you mean on your thread about first posts. Would someone be able to have a look at the agreemment for me to see if its enforceable. Thanks again.

It says on the link to contact a site team member to have any different MBNA posted on that thread. Do you know how you go about it Angry Cat? Thanks for the links.

I have finally recieved a reply from the cca request to Link. I have sent the SAR to mbna but nothing yet. I sent the cca request to Link months ago. They have sent the cca it is for Abbey MBNA card from 2002. It is signed and dated and it does say on the front page about "a summary of the Financial & Related Conditions for each product is set out overleaf". I have uploaded the front and back of the cca. The writing is so small but I wonder if its enforceable?

http://i815.photobucket.com/albums/zz80/Daxknight/img181.jpg

http://i815.photobucket.com/albums/zz80/Daxknight/img180.jpg

Thans Ida. Should I hold off with the letter to their solicitor and send the cca request again or just send both off?

Thanks for replies. Do you think I should resend the cca request and sign it. I have the antitamper strip but didnt know if I should resend the cca request. Thanks for the letter I will send that off but wanted to clarify the cca signature thing as well.

I have not heard anything for a while other than from Metropolitan DCA. Yesterday I received a letter from DG solicitors. I didnt send my signature as they requested for the cca. Not sure what to do next as they are saying they will take me to court in 14 days if I do not pay the full amount owing. Is there anything I should do or letter to send? Appreicate your help.

Thanks Elsa appreciate your help.

Thanks for that Elsa. So the cca Sainsburys has sent me is enforceable because it was after 2007? I thought that was the case but didnt know how I stood if the tick box was missing (the documents I have photobucked) but if you are saying if bits are missing the judge will still accept it as already made payments and that is all the proof needed? Unfortunately no charges etc but they certainly have never sent a dn so not sure where that leaves me I'm a bit confused - sorry.

Sainsburys and Virgin were both taken out 2008. That is why I didnt think you could request the cca as they were both online too.

Thanks Elsa. Do you think it worth a cca request to my other on line credit card? I dont know much about the online agreements. I always thought it wasnt really worth a cca to them as they always supplied the cca?

Thanks Elsa

Have posted the agreement. There is also the T&C but not posted them, will if needed. Also the letter they sent with the cca. Any help much appreciated. As on previous thread never received DN or TN as stated in their letter.

http://i815.photobucket.com/albums/zz80/Daxknight/img168.jpg

http://i815.photobucket.com/albums/zz80/Daxknight/img167.jpg

[http://i815.photobucket.com/albums/zz80/Daxknight/img165.jpg

http://i815.photobucket.com/albums/zz80/Daxknight/img164.jpg

http://i815.photobucket.com/albums/zz80/Daxknight/img166.jpg

Anyone?

can anyone offer any advice - thank you.