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    • Farooq v evri is the judgement you want in.   Do you have a copy of do you want me to upload it again here?
    • I have added the correct format for the court. Country Court ..... as it was on the letter today, other letter had the justice.... . That is on the unredacted copy sent to admins email.   Which Evri judgement, could you give me a steer? Wadhwa one?   It's not in dispute, bar that paragraph you picked up. I was looking at that one, and I do agree it's pointless. Thank you for your help.
    • Firstly, and sorry for not asking earlier but have you submitted your DQ yet?
    • As suggested by JK2054 I'll email Evri to their small claims email address, attaching the label and collection receipt and quoting the Money Claims ref number. Is there anything else in addition to sending the email I should do at this stage? Rgds, J
    • Hi, I'd change justice centre to county court. I also wouldn't be including a telegraph article in the bundle. It doens't prove anything law and you don't have distribution rights on it. I also wouldn't personally break down the exhibits on the index page, normally people have a seperate page for this right before the exhibits. The main index page normally just says Exhibits to WX of [Your Name] or at least that's the format I use/see people here use, although really it makes minimal difference.   I also see that despite referencing several judgements you haven't included the EVRi one   paragraph 46 really needs to go imo it has nothing to do with anything. Your in court to apply the law to your case, not to tell the judge about a newspaper that means nothing to your claim.   I also see you've adopted the issues in dispute/not in dispute, which is also known as a scott schedule. if you are taking this approach, for things not in dispute I would say this needs to be things that are agreed between parties, not things like "There is no dispute that I am happy to supply all this evidence which is included in the court bundle." I would say that issues in dispute is to focus on the aspects of the claim that are in dispute, such as whether liability is limited by insurance or not, so I'd be changing that accordingly.   BF should be along shortly to advise on things.
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Old A+L MBNA card debt - now Being chased again..SBd??


Rocky Roadster
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Hi all,

 

Have I made a mistake?

 

I had an unenforceable credit card debt from 2010 has been passed through the following companies:

 

Alliance & Leicester/ MBNA/AIC/Aegis/Wescot - Bank of America /Arrow Global/ Wescot/ Scotcall/ Vanquis Bank.

 

In 2011 Letter from Arrow Global said Scotcall is no longer managing your account. It will now be managed by Vanquis Bank on behalf of Arrow, who will be in touch to let you know contact details and offer you the "Avant Programme".

 

Never heard any more and 6 years later was offered a small credit card which I thought would help me rebuild some credit. The account is in order and I have managed pay it off each month.

But...

The card is from Vanquis Bank! and I have started getting letters and calls about the other account from AIC again.

 

It feels a bit uncomfortable.

Should I worry?

 

Cheers,

Rocky

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Your post is somewhat confusing....who was the OC for this " unenforceable debt " ?

 

Alliance & Leicester/ MBNA ?

 

Your new card is with Vanquis Bank ?

 

Why are you connecting them ?

 

 

Andy

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Sorry for the confusion Andy,

 

The credit card came from Alliance and Leicester and was chased by AIC who said they would have to go back to MBNA to get the CCA. It was then passed from pillar to post and ended up with Vanquis. Hope that's clearer.

 

I didn't associate the name when I got a new credit card offered by Vanquis and I am wondering whether I have poked the wasps nest metaphorically speaking.

 

They obviously have my details confirmed. Why else would they chase a 2010 unenforceable debt. It could be a coincidence, but. My question is, does having a current credit card with them and an old unenforceable debt as well, pose me a threat do you think?

 

Cheers,

Rocky

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Thanks Bazooka,

I was wondering whether I should write and remind them that it is SB?

 

I guess the effect of my debts, and being chased for years, has made me a bit jumpy.

I have as little to do with banks and debt as I can; except for this one limited credit card that I only use if I can pay it off each month. "Casting the money lenders out of the temple," makes perfect sense now.

 

It is a better way to live and I'll do without rather than go back to borrowing.

 

Cheers,

Rocky

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Arrows don't pass debts to vanquis

More likely sold the debt to provident and you got a new start letter under their later name of vanquis

 

SB,d anyway ignore them

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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Thanks Bazooka,

I was wondering whether I should write and remind them that it is SB?,

 

God NO! Don't do their dirty work for them, let them either work it out for themselves, or waste their money and issue a claim, which will cost them, and you hold the trump card!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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