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    • I suggested consideration of bankruptcy some years ago. It was not well received.
    • That is a superb WS. However, I have a few tweaks to suggest. In (2) "indicating" not "indication". I think to be consistent with your numbering, in (6) the Beavis case should be EXHIBIT 2. Do you really need to include over 100 pages of Beavis?  I think that would be likely to annoy the judge.  Just try and find the bit where they decide it was not a penalty due to having an interest in limiting the time that vehicles can stay. I'll have a look myself for this bit later as it's highly likely to be in WSs from PPCs who think that that paragraph means all their charges are valid always on every occasion. After your current (7) add this.  It's always useful to refer to a judgment when making a legal point - 8.  In the case PCM vs Bull, Claim No. B4GF26K6, where the Defendant was issued parking tickets for parking on private roads with signage stating “No parking at any time”, District Judge Glen in his final statement mentioned that: “the notice was prohibitive and didn’t communicate any offer of parking and that landowners may have claim in trespass, but that was not under consideration”.   In (14) if my maths are right the CPR request should be "EXHIBIT 3".  it is missing from your list of exhibits. In (16) the two figures should be £100 and £170.  They are entitled to increase fro,m £60 to £100, they are not entitled to increase to £170.  To make it clear for the judge I would write - 16. The Claimant has artificially inflated their claim for a £100 invoice to £170. This is simply a poor attempt to circumvent the legal costs cap at small claims. 17. The Claimant has also invented a second fictitious charge, for legal representative's costs, when they have no legal representative. You also need ot number your exhibits. The rest is excellent - well done.
    • Did you ever think of walking away? Become bankrupt and in 12 months it'll all be behind you. My feeling is that you may well get nothing from the sale of the property anyway. Going by the date this thread started it looks like eight years of arrears, lender's costs and receiver’s fees on top.
    • Just to clarify - I make use of evening legal clinics. It is not always possible to see a lawyer (they have limited time and days/week).  This means questions one has may never get answered or there's weeks between follow-ups.   To be really clear - I am representing myself; I am playing at being lawyer/ barrister - which means I take help wherever I can get it (and then research it thoroughly). Ae - a judge in a recent hearing pointed out the receiver is not part of my current proceedings - and suggested I have a separate claim v the receiver. Disclosure has presented damning evidence v the receiver  The receiver against whom I have a complaint is not part of the receiver governing body.   The receivership is in 2 names - a joint one.  My complaint is directed at whom I was told is the lead receiver.  The other named receiver IS a member of the governing body.  But he has now left the company.  And the lead receiver has retired - but is still a working consultant on my case.   All the evidence shows it was the 'lead' receiver who was doing all the  work/ the misbehaviour.   But if the appointment was 'joint' would I make a complaint against them both?    I am sure that wouldn't go down well with the other receiver who is at the beginning of his career. The law is very much against borrowers.   But the evidence against this receivership is crystal clear.   I just don't know how and to whom to complain.   The places I've tried so far don't offer much transparency       
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Mackenzie Hall - Money Shop Debt


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Hi

 

I have an outstanding debt with The Money Shop for £620.00

 

I have been in contact recently with MH and I did set up a payment plan, however, I am not 100% sure that I have made any payments. In fact, I had a "online" chat with someone a few weeks ago and they confirmed that £5 has been paid off the debt.

 

I have sent a CCA request to this Company, payment yet to be presented - silly me I sent them a cheque payment!

 

I have today received another chaser letter wanting payment by noon 29th Jan 2009.

 

Now I have two questions:

 

1. Do I ignore this letter and wait to see if the CCA turns up?

2. Do I contact The Money Shop and ask for them to withhold action even though The Money Shop do not know my confirmed address?

3. Shall I send them another snot-o-gram?

 

I tried to talk to them via their online chat this morning, but because I wouldnt fill in the details and only completed the reference number he hung up the chat on me the to**er!!!

 

Jo

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I have been in contact recently with MH and I did set up a payment plan...

Ouch!

Do I ignore this letter and wait to see if the CCA turns up?

You should allow 12+2 days for them to comply with your CCA request and that is all - not 'see if it turns up'. If the time has expired, send them a copy of http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/170674-reply-cca.html#post1840880

...he hung up the chat on me the to**er!!!

What an accurate description of a Kilmarnock Kowboy!

 

Don't use the online chat or telephone, you want any discussion to be in black and white, so you prove what was said and when. DCA muppets are not known for being bright and could easily type into their system that you were going to pay £55, not £5. NEVER let them have bank account details or make payment via debit/credit card, they may forget the conversation and could make further debits a few days later... (note the use of their favourite words MAY and COULD!)

 

Quite simply, if they don't send the paperwork, send them maroondevo52's letter and that should be it.

 

The Money Shop wouldn't want to know, simple as that. They've passed on details of the alleged debt for collection and they'll just say its out of their hands.

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Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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Yes, as soon as I met this site I realised I shouldnt have paid that £5 payment **slaps head**!!

 

Thanks for the advice, they have NEVER had my card or bank details that is one thing I know not to give to these idiots.

 

The funny thing was when this idiot stopped the online chat I registered again and got the same guy, had great pleasure in asking him he if was going to disconnect again and then called him an IDIOT before I hung up the chat! Had to be done i guess!

 

I am on countdown for the 12+2 days. I have a file with all my paperwork in and I need to sit down and sort it out so I can plan my next stage of attack!

 

Thanks for your help, have clicked your scales BTW!

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Well that account is going to be closed, with NatWest. My account with HSBC is a new one and they NO details whatsoever and that is where my salary, tax credits get paid into.

 

Thought give them their due, NatWest are good at recalling payments if they haven't been made.

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I have today received a letter from Mackenzie Hall, returning my £1 payment and a letter saying....

 

We refer to your letrer dated 1/21/2009

We have contacted our client for a copy of your agreement and statement of your account.

Your account is currently on HOLD. Please be assures that no action will be taken against you.

Should we not receive the relevant proof from our client within 40 days we wil close your file and return to our client. Our client will then decide what step to take.

 

Right, what I now need to know is:-

 

1. Can they hold this for 40 days? Surely this should be the 12+2 days?

 

2. Would they have made a indent on my credit file and can I ask them to remove this?

 

3. Is there a follow up letter to their holding letter that I can send them?

 

Thanks J

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I have today received a letter from Mackenzie Hall...

They like making things up as they go along, hoping that you don't know the law. They have 12+2 days to comply with the CCA request. If they don't send it in that time then they fail. Simple.

 

If they cannot enforce the matter by way of a valid CCA then they have to close the file and remove any default from your credit file.

 

Their time is up soon, if you've heard nothing more by the end of this week there is a good letter to base your next move on at http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/170674-reply-cca.html#post1840880

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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They have 12 days - end of. The additional two days is not part of the statutory limit but to allow for the Royal Mail to deliver their letter to you. If they havern't posted it by working day 12 it ain't never going to happen.

 

So on 12days plus 2 you send them the letter syaing - you ain't got the paperwork, push off and don't bother me.

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