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    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
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    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the 02/01/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the 19/05/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, 02/06/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
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8yrs old Creation Finance Credit Card debt , was Moorcroft, now got Clarity Chasing me.


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Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

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WMD

 

lots of times

 

they try to fleece people on lemon debts.

 

no powers unless they OWN the debt.

 

 

see your CRA file.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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i owe sygma credit card £3k

 

im just wondering are they an in house dept belonging to sygma?

 

i ask this cos their letter headings and phone number are very similiar to them.

 

they very pushy when i ring up to pay,

 

saying things like would u like to up your payment and are u prepared to pay it all off now.

 

im paying 30 pound a mth at the moment and dont intend to pay anymore.

 

when i first contacted them to offer a date when i could pay it they said it needs to be paid by the 2nd and u need to be paying 50 pound.

 

i said sorry cant pay till 4th and can only pay 30 and if u dont like it u will have to take me to court.

 

they replied well as long as u pay by the 4th then and pay that amount we will accept it for three months.

 

my three months are up now.

 

im just gunna keep on paying that amount and see what they hit me with next.

but i wont be brow beaten by bullies

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Do you have all your statements for this account as there will more than likely be charges you can re-claim, how old is the card.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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how old is this debt/card

 

is it on your cra file?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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sygma have charged me about 500 pound interest.

 

yes got all statements but dont know how to go about doing it?

 

yes it is on my credit file.

 

i was on a payment plan with sygma for 3 years.

 

i paid 30 and they charged me about 27 pound interest so it never really got paid off.

 

then they wanted 3 mths wage slips and bank statements which i refused

as i dont like the idea of sumone going thru what ive spent me money on plus what happens if they get lost in post?

 

i could have my identity stolen.

so i refused to send them.

 

they chucked me off the payment plan and charged me all that interest before sending it to west midland debt collections

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ok def not fair

 

have they been levying £12 PENALT charges & have you PPI?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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fill this in then for EVERY PENALTY CHARGE

 

 

This fourth spreadsheet is useful in calculating a regulatory based compound interest award for PPI on a Revolving Credit Account. Not all statements are required for this sheet because it will work out the compound interest on the PPI payments you do know about. It will not work out the additional 8% interest, to do that you will need spreadsheet three above AND all of your statements.

 

FosCISheet v101.xls

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 weeks later...

i have been paying west midlands debt collection 30 pounds a month after they took over my 3000 pound creation finance debt.

 

i have always paid them promptly the last time being the 27th november.

 

the last time i paid i asked them when they wanted an income and expenditure sheet sending to them and they told me the end of december.

 

i received a letter friday from them asking me to phone them up.

 

when i phoned them they told me my payment plan had expired and i needed to send an i and e immediately.

 

they told me i needed to pay another 30 immediately or they couldnt keep me on this plan.

 

i replied ive paid it just under two week ago and he kept saying we need more we need more cant u borrow it from someone.

i insisted no.

 

he then went onto say well cant put u on payment plan then.

 

i told him take me to court and he replied well no we will sell the debt on and u will have debt collectors on ur doorstep

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Two threads merged....please keep to this one thread for this issue.

 

What have you done about reclaiming the charges?

 

You tell them what they are going to get and not the other way around.

 

Why are you phoning them....all of this should be done in writing so you have a paper trail if it is ever needed.

 

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why start another thread.

 

as advised

 

why are you not paying by your internet banking site?

 

who's is shown as the owner of this debt on your cra file?

 

if its NOT WMD , but stillsygma/CF

 

pay THEM via the details on the statement.

 

cut ALL comms with WMD, esp phone calls

 

and get that reclaiming going.

 

see the previous posts

 

you are under NO LEGAL OBL to converse on the phone

 

WMD [ a DCA] are NOT bailiffs

 

and they have NO SUCH legal powers.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 weeks later...

have sent wmd collectons an i and e report.

 

they do not believe that i work only twenty hours and im not able to claim anything as i live with my brother.

 

they now want a bank statement which is very personal to me and somethng i am not prepared to give.

 

the guy on the other end of the line told me that if it got took to court then they would want a years bank statements and wage slips plus p45s.

 

i am really worred as i do not have all these to hand.

 

am stll in process of tryng to clam back payment charges

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hi

 

WHY are you still talking to these muppets on the phone?

 

why are you still paying them when they DONT OWN THE DEBT?

 

can you get your cra file please ASAP.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 1 year later...

i have a credit card debt with creation finance.

 

a year ago they passed it to moorcroft who i have paid every month.

 

had a letter recently from creation finance to say the debt has now been passed to clarity?

 

why have they done this when i had paid moorcroft every month?

 

is this normal debt collection procedure?

 

it says the debt has been passed to clarity.

 

does that mean then that creation finance still own the debt?

 

only paid moorcroft a few days ago.

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Was the debt actually assigned (sold) to Moorcroft or were they simply collecting on behalf of Creation Finance ?

 

If the debt was sold / assigned then you should have received a Notice of Assignment advising this.

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If the debt is doing the rounds then something is not quite right, can you please post more details of the debt...

 

What was the debt originally for? (loan / credit card / bank account / overdraft)

To whom? (Original Creditor)

When did you start getting into difficulties?

Has their ever been a gap of at least 6 years in-between payments?

Is the debt mostly made up of charges/PPI?

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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it was a credit card debt of around 3000 pound.

 

i was originally paying creation.

 

paid them 30 pounds every month for about three years but they always added 28 pound interest on so actually only paying two pounds.

 

after three years they demanded to see three months worth of wage slips and bank statements which i refused to do.

 

after three or four months later, me still paying thirty pounds per month and them adding 5 hundred pounds worth of charges and interest,

 

they then passed it on to west midlands debt collection services. added isssues with them. they were very aggressive.

told me we need ur bank statements wage slips. told them no.

 

told me well if it goes to court they will want to see a years worth of them.

told them well take me to court.

 

asked me if i could borrow the money off someone.

 

told them u cant ask me that, not allowed to do that.

in end passed to moorcroft who ive been paying for a year now.

 

now its been handed to clarity.

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Unless the original contract states that interest can be added by a third party then it simply cannot.

 

You need to send a CCA request to whoever is now chasing you, enclose a Postal Order for £1, the template CCA request letter is in the library section, (top toolbar in green). Send via recorded delivery & keep a copy of the track and trace receipt.

 

Once you then recieve anything back, please scan in, remove all personal info including any barcodes and post up.

 

If anyone rings, refuse to go through the security questions and hang up.

 

You also need to check your credit file to find out the owner of this debt.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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  • 4 months later...

i have been paying clarity debt collectors £30 per month for the last 5 months

 

since sygma gave them authority to handle my three thousand pound credit card bill which i ran into difficulties with.

 

i alaways pay it earlier than i should but

 

this month i paid it 8 days later.

 

i have now discovered that the 30 pounds i paid this month has now been refunded back into my account.

 

does anyone know why this may be?

 

could it be that they have suspended payment because they are taking me to court?

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