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    • Hello, Following the submission of my defense, last night I received an email from DCBL indicating that the claimant intends to proceed with the claim (I've attached a screenshot of the email for reference) along with the N180 directions questionnaire. I'm unsure how they obtained my email, but I suspect it was through the courts' form when I completed the Acknowledgment of Service. This email almost slipped my attention. I have also today received a letter from court to state they have received my defense.  It appears they are requesting an online telephone hearing with the court. Could you please advise me on the necessary steps I should take at this point? Thank you for your assistance. Letter-Email 25-04-24.pdf N180 - Directions questionnaire (Small Claims Track).pdf
    • Default Amount £9237.88, all this started in 2006 Admitted debt £9075.65 Weightmans added £1515.01 immediately they became involved, no explanation The Statement shows when Marlin bought debt in May 2011 £10439.25 Their statements, not received until the SAR, are based on this. Cabot deducted £1515.01on their statements in January 2019, again did not find this out until SAR. Weightmans added in  2007 after the CH1 etc was confirmed by the court £741.50, made up of Process server fees, Court Fee (they tried for bankruptcy), Solicitors fee and Land Registry fee. Unspecfied Legal costs were added by Marlin in March 2015, again I did not know this until statements received with SAR I had been paying monthly, without exception until December 2018. I am minded to take the property charge, CH1 amount ,deduct all my payments and the subsequent fees, and request/demand a refund on the final payment made? I consistently disputed Weightmans balances, but they never responded. I also told Mortimer Clarke/Cabot that I disputed their amounts.  
    • Just follow this link and have read of some threads so your familiar with the process https://www.consumeractiongroup.co.uk/topic/347310-legal-n180-directions-questionnaire-small-claims-track/#comment-5178739
    • Sorry,  I'm not familiar with terminology.  Direction questionnaire is what I've seen online as next step. Witness statement: I haven't gone that far, that's why I put the question marks.
    • 2. Is correct disregard 1. You must attend ad per the order 
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Safeloans wont accept offer, transferring debt to DCA!!


iceboy
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Hi;

 

I have sent Safeloans an offer using their email address. Today i recieved a respond through email. They also sent a text message to my mobile!

 

I am including them both here! Can anyone suggest me what to do?

 

DCA will add charges or they will buy the debt with charges already added! I offered safeloans that i could pay the initial deposit and one month interest (which is what i owed originaly!) Now if it is transfered to DCA, it means it will cost more and more likely DCA will place a default on my account!

 

By the way, i have never received such letter from any DCA until today!

 

Here is the email and the text i have received.

 

EMAIL:

Hi Mr. iceboy,

Your account has now been passed to ACT Debt management.

Please contact ACT on : 0203 1500 150

With kind regards,

Safeloans Ltd T/A Paydayok

 

Text Message

Mr iceboy;

as you failed to discharge the debt which you owe to our client, Safeloans Ltd, your file is being transferred to our Legal Department. Legal proceedings will be instigated against you and secured by County Court Judgement (CCJ). This may be enforced by an Attachment to your earnings, or by Bailiffs. You must telephone ACT Credit Management Ltd IMMEDIATELY to avoid legal action on 020 31500 150, quoting reference: xxxxxxx

 

 

Any ideas what i should be doing?

 

Many Thanks

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If you read some of the other payday loan threads here it is unlikely that they will go to court. If they do go to court we can help with a good solid defence and then get the CCJ set aside or discontinued.

 

It is only when a CCJ is granted (and this is not just ISSUED by the claimant - as some companies like to claim now) by a judge and payment is NOT made that they can start further proceedings to have an attachment of earnings or send a bailiff round.

 

You CANNOT issue a CCJ with an immediate bailiff visit - that is a total abuse of court process.

 

Sending a debt to a collection agency with loads of additional charges is a no-no according to the OFT so you can report them to Trading Standards should they claim additional charges.

 

If they claim court charges and have not yet started court you can get these taken off immediately - it will have the effect of making the charges part of the loan unenforceable.

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