"In addition to this, there are 2 loans showing on there as 'lowell' these were from much longer ago, around 2007 and 2009, but I believe these were Welcome Finance loans that I did take out but paid back by around 2011."

 

 

 

Then they have exceeded the 6 year reporting and should be corrected on your CRAs.

 

 

 

Regards

 

 

 

Andy

Not if last payments were made in 2011 - 6 years would be 2017 - unless defaults had been registered earlier

Would suggest sending Lowells .77 Consumer Credit Act request for each loan

You may be entitled to fee remission either in full or part

They have to provide your husband with a written statement confirming terms of employment within 2 months of starting employment.

Did the £4,132 include his hours for November? Was the £1408 paid on top of the £2685?

makes you wonder why if they were so sure of winning they offer a short settlement.....urm..

 

 

pay us something before we discontinue....

Because they copy agreement and terms & conditions they have just provided you with are still in breach of s.78 and unenforceable as not compliant.

Might be an idea to send a subject access request as well . Totally different department and they have to disclose all transaction histories etc.

Thought

I wonder why they are insisting on pursuing this, your

daughter has no realisable assetts and no prospect of

ever paying this enormous amount of costs, where do

they think the money is going to come from.

How much time has the judge allowed for this?

Really you musr assure her that there is little of any

consequence they can do, no assetts of any sort it

may be best to tell them to let a judge decide on this.

 

Prepare a financial statement I presume she is in receipt

of benefits as her only income?

 

Bankruptcy is a not an option as there are no assets of any

sort.

 

I am going to suggest that you write to RCI stating your daughters

financial status and requiring them to let a judge decide and copy

the letter to the court and also stating to the court that she does

not have the means or the knolwedge to be able to respond to their

demand for points of dispute.

I( don't understand you saying that "Bankruptcy is not an option as there are no assets of any sort". You do not need to have assets to petition bankruptcy. If you have a large debt and have no assets some might argue that this is the best time to go bankrupt. That way there is no debt payment order for 36 months and if your circumstances were to change over time nobody can still pursue you for the debt. She may even qualify for a Debt Relief Order.

I( don't understand you saying that "Bankruptcy is not an option as there are no assets of any sort". You do not need to have assets to petition bankruptcy. Ifyou are addled with a large debt and have no assets some might argue that this is the best time to go bankrupt. That way there is no debt payment order for 36 months and if your circumstances were to change over time nobody can still pursue you for the debt.

The two appeals are listed for hearing at the Court of Appeal on 23rd/ 24th February 2011

Your first witness statement was drafted for the Summary Judgment and drafted in such a way as to address those issues. You need to resubmit a Further witness statement and adding anything further in you wish to include. Send by first class post two days prior, obtain a certificate of posting and complete a certificate of service. Alternatively agree the simultaneous exchange by email or fax.

Wrong way round..............his written application for permission to appeal was refused and now he has made application for an Oral hearing which is listed for 6th December 2010.

You should request a further stay pending the outcome.

If you wish to cancel a Continuous Payment Authority, you should always write to the company concerned, or follow up a telephone cancellation with a letter sent by recorded post, just for your peace of mind.

In the unlikely event they don't act upon the letter, you should immediately open up a dispute with your card issuer, and explain that you withdrew consent for them to continue to charge your card.

They should credit the money back into your account immediately while they investigate with the retailer (although this may depend on the card issuer). If it is a monthly subscription, you may have to continue to dispute individual transactions until the matter is resolved, which can take time.

Good luck

why is the link still active?

I'm not sure the change is for the better.....................

Thanks x

Just checked again - only my threads are there - not the 160 plus threads I am subscribed to.......................

nope not the threads I started - the threads which I have subscribed to /am following??

how do you find the threads you are already subscribed to??

How do you find the threads you are subscribed to??

They should serve notice if hearsay with statement. If they do you have 7 days to refuse as such.

Request anything from the list you are not sure of / or not already in possession of

Court procedure rules

Both parties can agree to an extension for a further 28 days but only court can agree for longer period.

You need to ask other side for extension and provide reason. If they refuse you make application under I think CPR 15.5 on a N244 form for extension of time. State reason & say claimant refused. £75 fee. Asking them first should protect you from paying their costs if they contest it because you have acted reasonably

If they don't agree then you need to make an application for an extension before the 28 days expires

The children get it.