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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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Help required please HPH2 Debt Letter re old AALoan


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Hi, new on here.

 

I have also had same letter arrive (in my previous married name even though i told them my new surname)yesterday stating HPH2 taken over the debt.

 

Yes i have a debt, stupidly entered into during marriage but genuinely thought if we split debt would be shared between both me and Ex husband.

 

This is an AA Loan of £3920 Ex has gone underground so now after just me.

 

Statue barred could you explain if it is from last payment made or last communication with debt company.

 

I communicated 2014 advising financial situation and it went on hold.

I last made a payment to AA in 2012 i think when i just couldnt manage payments on my own.

 

Could anyone advise do i contact them and wait the high demand for money or sit tight and see if they try again.

 

Thank you for any help.

Edited by dx100uk
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As with that other thread

Send our sb letter

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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Thank you.

If it isnt SB what will sending the letter trigger as i dont have a definate when i stopped being able to afford the repayments, but have a definate date when i communicated with the Debt Agency. Sorry just worried it will trigger some court action or something if not passed the 6 years.

 

Having read the information on SB because i acknowledged the debt by asking if they're chasing the other signature on the loan back in 2014 and offered £1 per month which was never declined or accepted that makes only 4 years 3 months so not the 6 years.

 

As i have not moved home only remarried i think i may be out of options and avoidance for 20mths could be hard.

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the letter is only a NOA is it not?

its not demanding anything.

its just one that they must send if they transfer assets around their group.

 

as far as your letter in 2014 goes.....

we've not seen a court case here whereby the fleecers have won by using these letters

may sent under duress or under a mistaken belief that a DCA holds some magical powers and must reply.

 

either leave it or send our SB letter

even if they reply with ref to your comms, I cant see them risking it meself.

its clear a payment has not been made within 6yrs

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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