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MinnieMouser

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About MinnieMouser

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  1. Thanks for the reply & advice Rory. I have just found this post - http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/117579-received-county-court-claim.html#post1189013 - which, with some changes here and there, should suit my purposes quite well. This case in question has been passed back from a dca to the original "creditor" and it's now being handled by BOS's own legal department. Refers to a joint personal loan just in excess of £6k, supposedly taken out in mid-2002. Funnily enough, within days of the claim being submitted, a CCA request outstanding f
  2. Hi Everyone, Been a while since I posted here last. Just goes to show you how long some banks/dca's take to deal with things.. Anyways.. I have two little questions that I would be most grateful if someone could answer or point me in the right direction please. I've searched and searched the forums but to no avail.. 1. What is the correct term/phrase for requesting copies of the case documents that the prosecuting/claimant's solicitors have? 2. I'm currently putting several suspicious alleged credit card/loan debts to proof, so to speak, and have requested copies of the ide
  3. Why 75%? Why not start at say 30% and negotiate from there? MM
  4. Hello, I've had a ccj for about 14 months now and the last time I checked the Registry Trust (about 3 months ago) it still hadn't been registered. I've read elsewhere that the creditor can also inform the CRA's about a ccj but that's yet to happen too. I contested/defended the claim on the grounds that there was already an acceptable payment plan in place but the judge dismissed my defence & said the court wasn't the place to do that..hmmm.. Anyway, what did the Registry Trust tell you about it jbgrower? MM
  5. Hello Everyone, I'm looking into submitting a N244 to have a CCJ set aside on the grounds that I agreed with the amount owed at the time but now only agree to part of the amount - as a result of unlawful charges etc & being misled into believing that these contracted penalty charges were lawful etc. However, I'm not too sure about the best approach to take on this as I figure that I only have one shot at it so any help will be greatly appreciated. I'm presuming that I have to include the full details of the amounts (charges+interest etc) that I disagree with on the N244 form
  6. Why don't you send them a SAR as well to see if there's anything else on file that may help? MM
  7. That's kind of what it sounds like to me Ajjars... MM
  8. I'm getting quite confuzzled by this whole thing.. So if a creditor or dca fails to supply a copy (even if that's a suitable copy as far as OFT are concerned) of the agreement within the prescribed timeframe they commit an offence. But what exactly is the situation if they come up with an agreement copy 3 or 4 months down the road, does the original offence still apply? Also, I note that the OFT are suggesting that even a shoddy copy of an agreement (ie one that is not properly executed under the CCA) still enables the dca to pursue/enforce collection. But, that shoddy copy would not be
  9. Will putting the debt in dispute by hinting at starting a claim for a charges refund encourage MBNA to sell the debt on?
  10. Hiya, Well the offence doesn't go away once committed. But if they find the document and pursue legal action through the courts then at some point the original offence would come to the attention of the judge. Does anyone have any actual experience of this? MM
  11. Hello, Why not contact CIFAS and see what they can do to help you. MM
  12. Watchdog featured a report regarding just this kind of thing on a show not too long ago..Perhaps, and I know it's a long shot, they might be able to help in some way.
  13. I'm only recommending CCCS based upon the user experiences that I've read on this site. Also, it's not a case of whether or not both Payplan and CCCS use near identical methods to assist debtors (or should that really read creditors?) - it's a matter of whether or not they can fulfill that requirement based upon their commercial competence, representative ability and client obligations. In my experience, Payplan proved that they were incompetent on a truly magnificent scale and, further, could not even deliver rudimentary administrative process. They clearly demonstrated this on a regular basi
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