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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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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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C.A.R.S./Monument


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Hi there

I'll try to be brief.

 

Many years ago (15 if not more) I had a Monument credit card.

 

When things became difficult a couple of payments were missed

the debt was passed to C.A.R.S. to recover.

 

About 12 months ago I entered into a DMP with Payplan and C.A.R.S. were added to the list of creditors.

 

Payplan notified me that they were returning the payments so I called C.A.R.S. and

they said that they no longer held the account and it was with Jepherson Capital.

 

I phoned them and they too know nothing about it.

 

I subsequently removed C.A.R.S. from the plan as they were just returning my payments.

 

I have no had a letter from C.A.R.S. asking for the balance which is £1556.

 

Naturally I'm not going to pay it but I would like some advice as to what to do now.

 

This debt has been passed from pillar to post.

 

Should I send a CCA letter (I think that's what it is) and if I do what am I looking for.

 

I am hoping there will be discrepancies as the original debt is so old

but I'm not sure how to go about getting something sorting.

 

Many thanks

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Hi, yes I have been paying them.

 

Sorry, I don't think I was clear.

 

I had the credit card for 15 years not the debt.

 

Everything ticked along nicely until the last 2-3years.

 

So it is only since the DMP 12 months ago that I haven't made any payments

 

but that was only because they returned them.

 

Many thanks

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Hi,

 

If payment as you said has not been missed until aaprox. 12 months ago then the debt is not statute barred.

 

Send whoever is chasing (C.A.R.S.) the CCA request, template is here...http://www.consumeractiongroup.co.uk/forum/showthread.php?387435-CCA-Request-Consumer-Credit-Act-1974

Send with a £1 postal order and via recorded delivery, print off a copy of the online Royal Mail's Track & Trace so you have a nice paperwork trail.

 

When you get a reply back, please remove all personal identification including barcodes, scan into your computer and attach for further advice.

 

Please do not ring C.A.R.S. and if they ring you, refuse to go through the security questions, do not get involved in a slanging match as to why, just say "in writing only" and hang up.

 

You may also want to get a copy of your credit file so you know what is being reported to the credit reference agencies and by whom.

 

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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sar to monument

 

CCA request to CARS.

 

smell of cash cowing here.

 

cars are very very lowlife bottom feeders

 

is this on your credit file... ibet not!

 

NEVER EVER phone a DCA

 

they are NOT BAILIFFS

and have NO SUCK LEGAL BAILIFF POWERS

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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