Please HELP!!!!!!!!!! After nearly 4 months of chasing my bank charges im now at the stage where the haliprat hasnt issued a defence against the notice of issue and their 14days are up. Ive just come off the phone from them to give them one last chance to pay up before i ask for a judgement. The advisor told me that all accounts where put into limbo until the outcome of the High court case is decided and the high court now preceed any small calims court and the small calims court wouldn't be able to do anything about my claim , so i can do as i like??? Son of a gun What do i do ????

I have filed my claim on line with MCOL, they sent me the notice of issue giving the haliprats till the 28th July to reply. I have received nothing from the courts of from haliprats. What do i do next , ask for Judgement???? any ideas would be helpfull

Good luck Kenny , i admire your'e commitement and patience.

Been watching and reading this thread since the start . I have one question. If you where a customer of a catalogue agent , as was stated. The agent passed your details to the catalogue to collect payment. What proof do the catalogue have that you ever received goods??? And whats stopping an agent giving false information to the catalogue regarding customers??? 1)the catalogue would then chase the alleged customer for payment 2) the alleged customer knows nothing about any catalogue bill 3) requests a CCA, gets nothing in return from catalogue. 4) debt becomes in dispute 5) credit file of alleged customer gets entry from catalogue there has got to be some way of removing this entry quicker than what i have read.

cheers

Just submitted MCOL with your kind help. Confident wording etc is okay but just a bit confused where i know send my schedule of charges to be attached to my claim.????

Apologises to all, I have just found a full section on MCOL on this site . How stupid am i . Thanks in advance .(lets hope they dont take me to court or well all be losing)

Please help . Im finally filling in my court claim via moneycalim online. Im currently on page five which asks for particular of claim. I have previoulsy printed off the particulars of claim(filinf in N1 form) from this website and have copied and posted it into the revelant field on the MCOL website. However it is not allowing me to use so many characters and will not accept the full version i copied . Can someone who has experience of doing the same advise me of the text which i can leave out to make it fit????

She has had a default letter from the catalogue followed by a payment in full request from a DCA

My sister is currently paying installments on a payment provision plan to a catalogue which she has had for 10years. She has missed the last 2payments due to financial difficulty and now the catalogue have issued instructions to a debt collection agency. I have told her to send them a CCA request but im unsure if she should send it to the catalogue company or the DCA or both . Please help just trying to delay any action until she gets back on her feet.

Im about to start filing my NI claim through MCOL , bit unsure how to work out the interest, ive had a look at the speadsheets on this site and im still a little bit confused . The 8% interest was easy, but the other interest with dates etc looks too complicated , should i just leave it out or any advise how others have dealt with this would be appreciated.

I have read the posts over the last few months and im currently in the latter stages of my claim for £1000 with the halifax. The LBA deadline ran out yesterday and im now faced with issuing a NB1 (i think). I have read on the forum people using MCOL. Can someone please tell me what this is and what they will do for me and how to contact???

So once the debt has gone past 6 years old with me neither paying anything towards it, or acknowlegment in writing to the first creditor or any communication to various DCA's who must have bought the debt and with no CCJ on file . I can safely say that the debt is statute-barred. Do i have to do anything to get the debt statute-barred or is this done automatically or do i just quote this in writing to any creditors or DCA's who are attempting to chase. Could i get it removed from my credit file???

should unpaid debts which are over 6 years old with no ccj's be removed from your credit ref files???????????

Thanks to all for your help, redemming bank charges letters being typed now . speak to you all soon:)

Just read the attached website. How do i find out who i owe the debt too .sorry if i sound a bit thick But i am ,without jeopordising contact which according to the website could start the clock running again??

Not a penny , been switched to different DCA (i think you all call them , im new at this). Got told by a solicitior ,when i came out of work ,to ignore all letters, unless they was court procededings ,then come back to him if any arrived. Never received any just threatening letters and phone calls over the years. Thankfully back at work now and can easily afford to pay the debt but didnt know who to etc etc . asked for the cca just to waste some time.

I have requested a CCA from xxxx bank and have found the surname and forename on the agreement to be the wrong way around. Could this help me in negotiating a final settlement. the debt is 7 years old .