OK, thanks will do

Hello all, I have received a county court claim form from Moriarty for an old payday debt from 2011(not quite statute barred yet) I have acknowledged the claim and need help with a defence please. The original loan was from Speed loan finance, I recall making one payment via direct debit but nothing more. I have never received an assignment notice from Speed loan and all I got from mmf was the standard threats and phone calls. Who should I contact to see if they can supply any written proof of this loan? Or should I just admit defeat and pay up? Thanks in advance for your help.

Than you dx100uk. This gas bill was being paid to debt collectors at the rate of £20 per month by the flatmate, but because payments have stopped they are now chasing my daughter for the outstanding amount. It would appear that is has been passed around a few DCA's and that is the reason why it has taken so long to turn up. My daughter already has markers on her credit file from 3 years ago for this debt so i am wondering if she should just ignore the debt collector as i am sure there must be an agreement somewhere between the oc and her flatmate to state that the flatmate will repay it.

Thank you SabreSheep for your reply. I only get a chance once a day to catch up on things as i work awkward shifts so i apologise for not replying sooner. It was only an informal agreement between them to pay 50% each, nothing included on the rental agreement, and most of the bills were in joint names. My daughter is having a root round to see if she can find any old bills etc.

Hello everybody it has been a while since i have had the need to post anything but I need a bit of help on this one. My daughter shared a flat with an old school friend of hers for about 3 years with no problems whatsoever. the arrangement was that her friend transferred half the money to her account for the rent or handed it to her in cash, she in return paid a regular sum every month to the friends account for the various bills, council tax, water, electricity and gas and sky tv. All went well up to about three months or so before my daughter left the flat to move in with her boyfriend, and it was at this point that she found out that the various bills were in serious arrears and that her flatmate had used the bill money to go on an exotic holiday. When confronted the friend apologised, and said that all arrears would be dealt with and my daughter had nothing to worry about. Receipts were shown to my daughter after this to show that the flatmate was repaying the arrears but in small instalments. They gave notice to the landlord that they were quitting the flat and because the rent was being paid through my daughters account there were no arrears. My daughter moved out of the flat on the weekend before the lease was up and her flatmate was due to move out by the following Thursday, which was the final day of the lease. Unfortunately the flatmate did not move out and stayed on for a further 6 weeks without permission. No rent was paid in that time. Her flatmate did leave eventually but not until legal proceedings had started and the costs of the legal paperwork were charged jointly and severally to my daughter and her flatmate, she also lost her half of the deposit because the flatmate left loads of rubbish and mess to clear up after the flat was vacated. since that time she has debt collectors calling saying that none of the bills have been paid and as she is the only one they can trace she is responsible for them. luckily she managed to convince the council that she had paid her share of the council tax directly to her flatmate and the flatmate agreed with the council that it was not my daughters debt. All the council tax has been repaid but not any of the other debts. We could not trace the flatmate for months until my daughter bumped into the Father of the flatmate and he said to send a letter via him and he would pass it on, this she did but the flatmate did not reply. She wrote this of as a bad experience until last week when she received another unexpected bill from british gas for nearly £200. bear in mind that she moved out of the flat about 3 years ago. She is considering settling this bill but now wants to recoup as much as she can from the flatmate. The total she has lost at the moment is near to £1,000. we still do not know where the flatmate lives but do know that facebook friends have passed messages to say we need to talk but as yet no reply. any thoughts on what the next move should be? Thanks for bearing with me through this long post

hello all and I hope you can help. 2 weeks ago my son was due to sign on but he was away at a friends over the weekend got 'pie eyed' on the Sunday and missed his signing on time on Monday morning. When he eventually got through to them on the phone he told them that he had been for an interview and that is why he did not attend.(Daft idiot):mad:Anyway they sent him a letter asking for the details of the intervieiw etc. so he wrote back and told them the truth this time. He has recieved no money from JSA for 4 weeks now, and this morning when he went down to sign on again he was told that his claim had been suspended. He was given a rapid re-claim form to fill in and return. He was also told that he has no right of appeal and that he should have told the job centre he was out of town. Even though it was a Sunday and only 4 miles away? So could anyone advise him as to whether there is a right of appeal, and what his next move should be. Thanks in anticipation.

It never ceases to amaze me the bullshine that bailiffs come out with.Entry can only be gained peacefully through an open door or window, just because you phoned her does not imply peacefull entry.Provided she has not entered the property you are safe enough. As for paying the council directly most,if not all, have online systems for paying by credit or debit card so, if possible I would advise you to do that using your old address reference number and following through with a letter to the council to let them know what you have done, as the payments may be credited against the account of the people occupying your old property. Someone with more knowledge will be along to link to various letters that you can hand to the bailiff should she call again. Just remember to talk to her through the letter box or partially open window.You also need to find out what charges were added by equita as they are well known for thinking of a number and doubling it in the hope that they are dealing with a gullible person.

Thanks for your response I will get on to that this week

Sorry to take so long to reply but I have been off line for a while and have only just been reconnected. I have confirmed with the court that the suspended possession order has been lifted and also have it in writing from Kensington. I have still not received a copy of the HIPS report from Kensington only a letter saying they will send it on to me and then a further letter saying they can't do this as it was not completed and they will still not refund the money that we were charged.I have now raised a complaint with the FOS and will have to wait whilst they investigate the matter.At least this will cost Kensington 400 pounds and hopefully result in a positive finding on our side.When I hear anything further I will post the news.

hi all. I am claiming charges back from G E money (Miss selfridge) on behalf of my daughter. I sent the S A R request at the begining of November and received most of the copy statements back just before xmas.I say most because they could not produce a 1/3 of them due to system failures.Anyhow I worked out that she was charged over 400 pounds in late payment charges etc.and sent of the letter asking for the charges to be returned.A reply was received stating the usual OFT ruling and that as a goodwill gesture they would credit 78 pounds back to the account as a proportion of charges that exceeded the 12 pounds OFT ruling. No refund of interest charges would be given and this was a full and final settlement of the matter. Can anybody help me with the next step please?

thank you for your quick replies. I think I will follow bona's advice as I did not realise that the suspended possession order is still in force.I will be going down to the court as soon as possible to have the order lifted.thanks again for your help and advice downbutnotout

hello to everybody, this is my first post and I am hoping somebody can help me with advice on where I stand on reclaiming what I believe to be uneccessary charges from Kensington.We were evicted from our house two weeks ago when we were on holiday and totally unaware of what was about to happen,we had an agreement with kensington to repay our arrears every week which we did but missed two payments,however I sent the missed payments to kensington plus extra money and a letter to say that all the arrears would be paid off within 21 days as I had received a large payment cheque from a customer .We arrived back from holiday late on a friday evening to find the locks changed and a notice in the window to contact a local estate agent for access to the property,this we did the next morning and gained entry to collect various personal effects and collect the mail etc,it was then we found the letter from the court and kensingtons solicitor informing us of the eviction date. Well to cut a long story short I contacted kensingtons litigation dept on monday morning at 9 am and was told that we could regain possession if we paid the remainder of the arrears and 3 months in advance by CHAPS transfer before noon that day.Luckily because of the cheque clearing while on holiday the money was available and arrangements were made to transfer ,when I spoke to kensington they then told me I would also have to pay an asset management fee of nearly 1300 pounds and that had to be in cleared funds also by CHAPS transfer,I asked them to justify these charges.I was told that they consisted of 500 pounds for a HIPS pack over 400 for a survey and the remainder on soliciters fees.At this stage no HIPS pack had been prepared and no survey had been done ,I know this as I was in the estate agents office when they tried to make an appointment to collect the keys .kensington would not budge on this charge so I had to borrow money from family and friends to meet this charge.Happily for us we managed to pay the money that day and got the keys to our house back at 4 pm that afternoon.kensington have since admitted overcharging us but only by 300 pounds,I have written a letter asking for a full and complete breakdown of the charges but as yet I have had no reply.What should be my next step?