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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.
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        • Like

2012 minicredit loan..now with kapama


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i had a loan with minicredit back in july 2012 for 100 pound.

I get emails from kapama every month requesting £808.

How can they charge 808 pound for a 100 pound loan is beyond me?

 

What is the best course of action to deal with this?

 

Ignore them and wait for SB and hopefully gets removed from credit file?

I had contact with kapama in may 2013 regardig the loan through email would this reset the 6 years?

 

Id be happy to pay them the oringinal agreement of the loan of 125 pound but not the 700 pound in charges on top?

 

Should i contact them and offer this payment?

Thanks

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when did you last pay it?

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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kapama is MC. The same people run it. They did it a few years ago after they got caught with their collection practices.

 

basically they levied a ton of unlawful charges to the amount owed while they were minicredit. Then "sold" it to opos/kapama.

 

Wouldnt surprise me if you keep ignoring it and they offer to remove all charges. Especially when you call them out on it.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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I havent paid anything towards this debt.

.looking through my emails i contacted them in May 2013 asking for the charges to be taken off

they were of no help and offered me a settlement of 500 pounds to which i just ignored.

 

I have ignored the emails ever since.

Thanks

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Keep ignoring.

 

let us know if they send anything else. Theyve prob seen the account in a defunct file and thought theyd try their luck.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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There ya go then. if they wanted to do ANYTHING, theyd have to post it. Theres a whole lengthy procedure they have to go through.

 

They NEVER do because they wont want their unlawful charges to be seen in court.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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