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  1. i am desperately trying to rectify the mistakes i made but you're right, it should've been all done then. i'm not even sure what my excuse was! thanks all the same, guys. i'll leave it here
  2. i've been painstakingly going through all documents relating to this debt and that which was sent to me in reference to cpr 31.14 whilst i believe documents relating to me being overdrawn are etc likely legit, there's a letter i'm unsure about purportedly from yb. can anyone tell me what they make of it, pls? is it just me or does the first line not even make sense? ybletter.pdf
  3. if it's interest it works out to be about 3% back to the drawing board it is with this...
  4. thanks, andy - really appreciated and i'll be sure to make a donation to this fantastic site for all help provided i'm not sure there's a good defence or chance of success for the set aside at this point. i was thinking of trying to negotiate paying a settlement but i think it has to be full amount now right? can't afford that and the original amount when the debt was transferred to cabot was on the lower end of 500 - it's now more than 650 demanded. there's a difference between the original court claim in 2014 and what's on the default judgement 2017 by about 20 quid. any idea what that is? should i expect the amount to keep rising if i can't get this settled straightaway? i'm really beating myself up over this because it's ultimately my fault for not being vigilant and on top of things. i treated this like any other dca but the circumstances are not the same!
  5. i know andy - i'm sorry this is my mix-up and confusion i think the nominal payments was made towards the YB loan (of more than a couple grand) back in 2012 and not this YB overdraft (initially a little over 500) which is what is being pursued in the courts. the two are certainly separate and i got them mixed up. i'll contact my former bank asap to confirm when the last payment was made to YB and to what account. i only opened the account to set up standing orders for nominal payments of two debts so there isn't reams of statements to go through. still, it couldn't have been SB in 2014 so i wouldn't be able to use the SB defence now right years later after the stay? does a stay lift limitations indefinitely then?
  6. thanks andy. i've been looking through examples of draft orders to get some ideas etc. it prompted me to dig around through my own documents i found correspondence from mortimer clarke solicitors a year after my cpr 31.14 request in 2014 that provides photocopies of my NoA, letter from yorkshire bank advising of the assigment, facility letters and other letters from YB and a signed application form to open a bank account from 2008. i'm pretty sure now that this overdraft debt is now statute barred because i also had a loan from YB which was more than a couple of grand and it was that that i was making nominal payments to, the last payment of which was in 2012. i made two separate threads and they might possibly have been merged. none of the photocopied documents list when my last payment was made. i'd obviously need that to strengthen my case. i know first i have to get this set aside and having come across the claimants response to my cpr 31.14 as well as a without prejudice offers some time later which i ignored, this really doesn't help my case does it? i'm thinking i should have acknowledged them. that said, i definitely didn't receive court documents about the stay being lifted in july this year because i would have disputed that. most of the letters i was sent from YB informing me that i was over the overdraft limit was a result of charges from the bank that levied excessive charges. i thought them unfair and so i stopped paying them hence why i'm pretty sure this debt is now statute barred i already applied for help with fees the other day and have been provided a reference. i'd really appreciate hearing what anyone thinks of my n244 claim now and how it's looking for me?
  7. i'm just filling in the n244 form having decided to defend the claim - is it in my interest to request a hearing or have it without?
  8. thank you all so extraordinarily much for taking the time and effort to respond - it's really appreciated apologies for the delayed response. this issue couldn't have come at a busier time for me but i really do want to try and make an attempt to fight this if that's doable and if there's a chance of being successful. not sure of what my chances may be though. and yes, i do have to consider the possibility of losing this and the increase in costs. is there an idea of how high the added costs could be? dx100uk, that's perfect and really kind of you in drafting that - thank you
  9. i got all those documents on the 11th August, yesterday, and the postage stamp on the envelope is dated the 10th
  10. i'm not sure. i thought it might be easier to include the documents for you to see with identifying details edited i've attached them now in one file file.pdf
  11. it'd be great to know what my options are (no matter how bad!) i know that i can't afford the monthly payment expected of me with this ccj
  12. hi guys wondering if anyone can help me here. i think i've really ballsed this up but any guidance on this would be most appreciated! i've recently received an application notice (N244) form and a general directions order. it looks like the stay had been lifted and i got a default CCJ? this is the only legal document from CCBC i've received in 3 years relating to this debt which is now statute barred so i'm a bit blindsided. According to the notes, no payment was made since 2010. i reckon my next step is to get this judgement set aside. is that correct? sorry, it's too late for me to edit my post now but having a read through again, i think the debt might not actually be statute barred because it was 2010 when the agreement was terminated and the last payment was made in 2012. sorry for the confusion - my memory's not great on this! also i didn't fill in my defence because i was awaiting a response to my CPR 31.14 request which is where i messed up i think
  13. I just wish to quickly check something. I'd had difficulty logging into MCOL at the time I received the 28 day extension letter and having contacted the MCOL contact number, I was given an email address with regards to receiving or sending docs related to the case in the meantime. I photocopied the extension letter I mentioned and responded to the email got an automatic acknowledgement. However, I see no mention of it on the MCOL site now that I'm able to log in. I don't need to provide a defence do I? Bit worried as my deadline is nearing.
  14. Wow, BRIGADIER2JCS. Thanks for your ever so speedy response! I edited my post a little but advice about where to go next with this appears to take advantage of the extension. I was worried it was some type of trickery.
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