Correct so when default reaches its 6th b'day the wholeA/C will vanish and as you've paid nowt..the debt will be statue barred I'd be inclined to send our SB letter then too dx

Still that would make the Notice of Assignment invalid and therefore the claimant would have to reissue/adjust the claim and or provide a further NOA.

I would add that their operations should be described as unlawful rather than illegal. Your letter is somewhat lacking in getting across what a joke their case actually is. FTMDave's letter did get that across and while I concede that it may not be your style I feel it would have been more effective in attempting to dissuade them from going to Court.

@dx100ukI agree it was a result of their poor online payment system, no doubt they will attempt to blame the merchant and refer me to them. I obviously consider they are liable as the payment provider but wonder whether I would need to invoke the The Contract (Rights of Third Parties) Act 1999? @Ethel Street Thank you, they have asked, and of course I considered it and would do so, however it is a pointless task because regrettably it was to Shell Energy with whom there is a protracted dispute and they will keep anything they can get their hands on right now. Asking and being rebutted and providing Lloyds with the rebuttal wi

retitlted and moved to legals. can you please complete this: and post up the defence you filed please did you send a CCa request and a CPR 31.14 when you got the claim? you say you are in court on the 20th? have you done your witness statement too? dx

Live video stream of La Palma volcano. Pretty active at the moment.

You say “there was no collision” : but clearly there was! Expect the van driver to say “I was overtaking when the car pulled out from lane 1 into my path. I tried to brake but they had left me insufficient time / room”. Do you have rear dash cam footage? Did the van have a dashcam? Any footage may be available via the insurers.

Once the debt is statue barred, nothing can revive it. A debt becomes statute barred after six years. However there is some debate as to when that six years begins. The time starts to run from the date of the breach of contract – in other words the date that an instalment was missed. However more recently a lot of people have been saying that it runs from the date of the issue of a default notice. My view is that it runs from the date of the initial breach because otherwise it is then completely up to creditors to decide when the limitation period begins and that means that if they want, they don't need to

On the surface yes. Like all antivirals it works best if given early so if it requires a prescription, and therefore a GP appointment, we can whistle for it in this country on the NHS.

This article is interesting on Javid vs GPs. I wonder how much he actually knows about running a GP practice. I'm not sure what it's going to be replaced by but is it a good idea to scrap distancing - in a GP surgery where there's more chance of people being ill? I wouldn't want to go there. GPs have become the new fall guys for government failures | Gaby Hinsliff | The Guardian WWW.THEGUARDIAN.COM The Tory press are on the warpath, followed by Sajid Javid. Clapping for carers feels a long time ago, says the Guardian columnist Gaby Hinsliff