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I had a SD from Capquest for an Egg card - received it last week - by firstclass post, below I have a few facts and queries listed so they can be answered seperately
a. The amount owed to Capquest is around 9k - default balace was £7174 "deliquent date" is 05/04
b.the form was sent by 1st class post - no other visits have been made to my knowledge ( im rarely in but live with parents)- and I have no letters saying "we have tried to deliver by hand"
c.i understand i can ask for the SD to be set aside - i have not yet asked for a CCA, or statements etc - can i still ask for set aside or must I ask for CCA?
d. what is set aside? You mena written off? Or just court hearing delayed?
e. if we claim costs how much are we talking here - roughly? Will capquest pay me directly or take off balance outstanding?
f. I have never entered into correspondance with Capquest - indeed i have ignored all my creditors since 2004
are we sure wether these are just empty threats yet - ive seen a few threads suggesting this
thanks for any additonal help - i have read the other threads but stil had these queries - maybe I am just a bit slow - sorry!
It's better for you to start your own thread, that way replies don't get mixed up.
You need to get the SD set aside ASAP. There are likely to be charges on the account and that's a valid reason. Call your local county court to see if they deal with these and pop along to pick up the forms. It's free and you can swear the affi. at the court. The staff should help with all this.
When you've got yout thread started, link back to this one and we'll come and help
"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.
Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.
If you do PM, make sure to include a link to your thread as I don't give out advice in private BB 13 - DCAs/banks and solicitors 0.
I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...
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I offer help and advice in good faith, based on my knowledge and experience. I am NOT a legal or financial expert. There are many CAG members and site team who are better qualified. Please do not make major decisions based on my advice alone.I do not give advice via P.M's. If anyone can correct my mistakes or improve on my advice, please do.
ok so i dint get to phone the court and 18 days are up today (posted to me on 31st july) i am off work so going to the court this morning - would i just go to front desk nd sk for forms? would i then get to see sommeone? would i swear the "affi" today?
ps the only grounds i see can aks for SD to be set aside is the fact the sum outstading is higher than my default balance, i have not written of for cca and not sure if ive been served my default notice etc, is this one thing enough for set aside for sure?
If there are unfair charges on the account, and there usually are in these cases you can ask for a set aside on that basis.
If the time limit today then you must contact a court that with deals with SD's now, or you run the risk of a judge not granting a set aside.
Get the set aside sorted, and then send off a request for a copy the executed agreement that this debt refers to.
Beau
Charges succsessfully claimed back from: First Direct Nat West Barclaycard Alliance+Leic
Mint CCA sent as yet no reply Nat West M/C CCA sent as yet no reply Barclaycard CCA sent as yet no reply Egg DCA Court Claim issued then discontinued ***(WON)****
Please note: I am not a lawyer and as such any advice I give is purely from a laymans point of view;-)
Yes, you can swear the affi. at the court but make sure the court deals with SDs as some don't.
"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.
Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.
If you do PM, make sure to include a link to your thread as I don't give out advice in private BB 13 - DCAs/banks and solicitors 0.
I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...
<--- If you feel I've helped, please twinkle my star
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ok, so after a few weeks, I received yesterday a date to attend court for the set aside, now will i need legal representation here? I cant afford that!
Will capquest actually come?
I also received a reply from Capquest to the CCA request - they replied saying my "account is on hold for 28 days" so, its over the 12 days for them to supply my CCA - what happens here now? Are they in breach?
Also If judge does not grant set aside on 30th Sept when i'm court - is that it? Am i then on my way to bankruptcy?
I offer help and advice in good faith, based on my knowledge and experience. I am NOT a legal or financial expert. There are many CAG members and site team who are better qualified. Please do not make major decisions based on my advice alone.I do not give advice via P.M's. If anyone can correct my mistakes or improve on my advice, please do.
ok guys need help urgently got the set aside hearing tomorrow (30th) any body on here late?
couple of things to mull over:_
I sent off my CCA request on 18th August - I had a letter back last week saying the have requested in from Egg - this is now 42 days since I requested it and still not received - whats the deal here?
Also they have replied to my set aside request through the court they have wrote a letter to the court and copied me in saying the following - this is copied verbatim inclusive of grammatical errors!
"We acknoweldge receipt of the application to set aside the statutory demand.
Capquest Investments Ltd are the creditor by virtue of the debt being assigned to them by Egg banking PLC. IN order to deal fully with the application to set aside wewill need information from the original creditor which we may not be able to obtain in time to prepare and serve evidence in opposition to the application.
We are also mindful of of Paragraph 6.5(4)(b) of the insolvency rules which provide that if the debt is disputed on the grounds which appear to the court to be substantial then the court may grant the application .
We do not accept the debt is not due but in view of the time considerations and use of the courts time we ask that the application be granted but with no order as to costs. If, as we anticipate we subsequently obtain information which enables us to prove that the debt is due we will proceed by issuing a claim in teh county court which will allow the applicant the opportunity to defend the claim"
SO......are they admitting defeat on Bankruptcy and saying to the judge grant the set aside???
Whats the next steps guys and girls?
And thanks for getting me this far!!!!!!!!
What they are saying in effect is that they cant/havent got the CCA and are not opposing the set aside application ......... I would however still go to court tomorrow have a read of this http://www.consumeractiongroup.co.uk...ml#post1702154 and seriously think of asking for costs
Any typos spelling mistakes are due to leprechauns in my keyboard they move the letters around sometimes (amended just for Bookie)
I offer help and advice in good faith, based on my knowledge and experience. I am NOT a legal or financial expert. There are many CAG members and site team who are better qualified. Please do not make major decisions based on my advice alone.I do not give advice via P.M's. If anyone can correct my mistakes or improve on my advice, please do.
I offer help and advice in good faith, based on my knowledge and experience. I am NOT a legal or financial expert. There are many CAG members and site team who are better qualified. Please do not make major decisions based on my advice alone.I do not give advice via P.M's. If anyone can correct my mistakes or improve on my advice, please do.
"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.
Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.
If you do PM, make sure to include a link to your thread as I don't give out advice in private BB 13 - DCAs/banks and solicitors 0.
I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...
<--- If you feel I've helped, please twinkle my star
Non production of a valid CCA, no statements, no default notices, no notices of assignment....
They are using the Insolvency Service as a debt collection tool....which is frowned upon...
Use this piece here and quote it to the judge tommorrow...
As a lone parent/low income family with limited finances I approached a solicitor by phone and asked for an estimate on how much it would cost. I was given an estimate of 3 to 6 hours at £170 per hour to prepare the Application (£510-£1020) plus extra for attending the court.
I respectfully request that the court give consideration to awarding these costs on the indemnity basis or, in the alternative, on the standard basis as I believe, in any case, that they have been proportionately and reasonably incurred and/or are of a proportionate and reasonable amount.
In support of this request, I would also like to refer the court’s attention to the authority of the High Court in the case of:-
Hammonds (a firm) v Pro-Fit USA Ltd [2007] EWHC 1998 (Ch)
In this case, Mr Justice Warren confirmed that it was usual for an indemnity award to be made:-
27 So far as disputed debts are concerned, the practice of the court is not to allow the insolvency regime to be used as a method of debt collection where there is a bona fide and substantial dispute as to the debt. Save in exceptional cases, the court will dismiss a petition based on such a debt (usually with an indemnity costs order against the petitioner).
PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.
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I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU
IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.
Before you decide,consider the users here who have already offered help and support.
Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.
If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.
Best of luck today - ask for costs, especially seing as they are admitting that they cannot (at this time ) provide a CCA!
They have issued the SD in the hopes that it will scare you into paying up, you have had no choice but to go through the court to set it aside and these DCAs should be made to pay for this.
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Re: Statutory Demand received
Good luck. They won't turn up, so the floor will be yours. Get those costs
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Statutory Demand received - **WON**
card - received it last week - by firstclass post, below I have a few facts and queries listed so they can be answered seperately
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