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42man last won the day on January 8 2015

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  1. Interesting article here on a recent case - Yates vs Nemo http://www.i-m-a.me.uk/QuarterlyAccount/magazines/174/174%2029.pdf
  2. I had a problem with a washer dryer which was over the warranty period, I found out who the main board directors were of the parent company in Italy (Hotpoint) and emailed all of them stating the problem and that even after the period of time I wouldn't expect a problem like this to occur. I would always suggest avoiding making your complaint to customer services, go straight to the top, Directors of companies do not get complained directly to on many occasions and customer focus is probably close to the top of their priority list. It works, they replaced my washer dryer with a new one.
  3. Just my thoughts, but how can they reissue a 'new' default notice, this is purely fiction ? And you no longer have any agreement with them ? You might be interested in reading this - http://www.consumeractiongroup.co.uk/forum/showthread.php?170345-A-Tale-of-a-Dodgy-DN
  4. "as well as detailing my own legal qualifications" - you aren't QC by any chance, that may have scared them off ?
  5. Lost, you seem to have ignored what a lot of the knowlegable people have said here, you can start getting into some dialogue with the people chasing you, finding out what exactly the debt is made up of...etc and wasting an awful lot of stamps and time and more importantly experiencing an incredible amount of pain in the process. Do spend some time reading around these forums a little more and you will become enlightened I assure you.
  6. Have you disputed this with your lender at all ? It would be interesting to see how they answer this...
  7. It would be good to know if any of the loan companies that were selling sub prime (or otherwise) loans will seek damages from the culprits - if anybody hears anything then post it in here...
  8. I would be dropping en email to the OFT too explaining exactly what has happened.
  9. Here too - http://www.consumeractiongroup.co.uk/forum/showthread.php?387645-Cabot-issuing-statutory-demand-via-stewart-barnes-Aqua-Card-debt/page3&highlight=poppay
  10. If it was me in your position then I would certainly be setting this aside, you will (as you correctly found out) need forms 6.4 and 6.5, you will need to take the original demand with you into court along with the 6.4 and 6.5 completed along with any accompanying letters or any other evidence. - please take a look at this thread which you may find useful - http://www.consumeractiongroup.co.uk/forum/showthread.php?389230-Help-Lowell-Statutory-Demand-LIttlewoods-Cat-debt-amp-store-card-together-**SET-ASIDE**&highlight=statutory
  11. If it was me in your position then I would be ready just in case they decide to reinstate it - I would be sending a SAR to the original creditor in the the first place - when was the last time you made any payment towards this particular debt ? any chance it may possibly be statute barred ?
  12. You may find reading the High Court case of Jones vs Link Financial useful - http://www.bailii.org/ew/cases/EWHC/QB/2012/2402.html
  13. Get the results of the SAR from Lloyds as soon as possible, make sure you report them to the OFT too, not really sure what you put in your defence, and it seems unreasonable that the judge wasn't able to address just you, or at least give you the chance to speak on behalf of your wife.
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