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About StayingCalm

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  1. Hi sparty Just wondering if you may be able to claim back what you have paid to this DCA. Regards SC
  2. Hi bh Have just read through your thread. Any update? I saw Restons off about 12 months ago, they discontinued!! Regards SC
  3. Hi GhostDebt Re CL Finance statement. Will probably just ignore this. My strategy for the last 12 months has been to ignore (and file) all correspondence from DCA's. CL has been the only DCA to issue proceedings. Regards SC
  4. Hi GhostDebt I have also recently received a statement from CL Finance including costs. Brief summary CL Finance / HC issued an N1 against me. Sent CPR 31.14 request to HC – No response Issued N244 for delayed Defence and Unless Order for supplying documents (plus costs if they do not comply) Still no response from HC Court strikes out claim HC send cheque for my costs Statement from CL now has Court and Solicitors Fees and the Costs paid to me all added on!!!!!!!!!!!!!!!! Regards SC
  5. Hi Tonks Following your thread with interest. Have recently received my first letter from ****. Good luck Regards SC
  6. Hi LB145 Following your thread with interest. I too have recently received the same letter and 2 x T&C from Lloyds in response to my CCA request. Also the same letter from **** and now the same letter from MHA has just arrived. If you look at the small print at the bottom of the MHA letter you will see MHA is a trading name of Lloyds. You will also see all letters from Lloyds TSB (credit card statements), **** and MHA all have the same PO Box 487, Brighton return address on the back of the envelopes. Regards SC
  7. Have spent the last week reading this amazing thread and have at last got to the end. I wish Fred the best of luck and can not see how he can possible lose with all the help here. With regard to the VAT issue it is my understanding that Insurance Companies are unable to reclaim VAT, and this is the reason they always deduct VAT from claims if the Policyholder is registered. Regards SC
  8. Hi reggie As has been previously stated an Invalid DN should be a complete defence, and as stated by the Judge in my case is FATAL to the claim. (Restons discontinued). The two Solicitors you have seen may not be fully au fait with the CCA1974, so their opinions could be very misleading. Regards SC
  9. Good luck for today PF Regards SC
  10. See also from post 363 on, on zhanzhibar's thread. Very very good news!!!! SC
  11. Hi MM Thought that might be the case with the ‘offer’ they made. If the DN is defective you should have a cast iron case and this is probably the easiest weapon to use against Optima. They must surely realise their case is weak, and is the reason for their offer. Have you seen posts 314 and 325 by BRW on zhanzhibar’s thread. http://www.consumeractiongroup.co.uk/forum/legal-issues/137617-zhanzhibar-amex-aic-newman-6.html#post2177953 You can also counterclaim for unlawful rescission of contract, £1000 I believe. Regards SC
  12. Hi PF This is what x20 posted about costs after Discontinuance. Re: arrow global receivables/cope's solicitors Post No. 89 I have prepared a draft bill of costs for detailed assessment and draft notice of commencement. Both are attached in pdf format. In drawing the bill I have tried to keep it as uncomplicated as possible whilst seeking to demonstrate how to maximise the amount which might be allowed. The documents may be of general application in litigation to include for example, dealing with a costs claim after successfully obtaining an order setting aside a
  13. Hi miss muppet And congratulations, very well done. I am so pleased my thread http://www.consumeractiongroup.co.uk/forum/dca-legal-successes/145452-stayingcalm-abbey-no-cca.html has been of some assistance to you. Being my first case I learnt so much from pt and sx20. Anyway, good luck with your case, if Optima Legal have any sense they will discontinue before this gets too much further. Regards SC
  14. Hi AG Very well done. Great result. And thanks for the detailed report of the proceedings. Regards SC
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