I recieved a Ccj today from an old barclaycard for £1400 but I cannot pay this all at once can I offer lower payments ?

Well they paid the PPI refund into my account today .can I still claim the charges ?

I received a letter regarding a successful PPI claim from barclaycard.

It's for 197.67 PPI premiums and 612.61 interest which is inclusive of 8% interest after tax .

Now this debt has been bought by a Dca and is for approx 2400 which includes lots of charges .

Now barclaycard reckon they are sending me the money .

But I am going to claim back or try to claim unfair charges on this account

can I still do this .

They did once give me some charges refund of approx 300 which they refunded back into my account

I at no point wrote and accepted this they just did it .

So not sure if I can still claim the charges .

I thought the money would go straight to the Dca

Have you not looked at other threads and tried to edit similar defences..?

Yes bit am in a dilemma about whether to do the cca or counter claim I am presuming I cannot do both

Any advice although think am too late now,

ok so what do you think ? will i submit a defence regarding no signed agreement ? or if i put no defence in can i then claim back off them charges ? i have already submitted claim form for the ppi from barclaycard themselves.

I have had no mail from them this week to say otherwise ? Maybe I should ring them. .?

Am I right in thinking its 33 days from the date on the claim form which was the 14th March?

I have had no mail from them this week to say otherwise ? Maybe I should ring them. .?

So your defence should have been submitted by the 8th April...last Tues:!:

Hope not thought it was 33 days later? 16th April? Hope I am not wrong ?

the date on the claim form is 14t/h march

they have owned the debt since 16/08/2013

it is for 2514.05plus costs

they sent a default notice but as far as i am aware there was no proof of the debt eg no signed credit agreement.

this was opened on the internet in 2004 i think

it says the claimant has complied so far with pre-action conduct practice direction.

No problem..... you have already acknowledged claim and stated you intend to defend....but not submitted a defence yet?

Yes that's right but I have to do this by Wednesday I think . Should have done it last week but had a really bad time and couldn't I will just email or fax it to the court .

Ok I will do this tommorrow if that's ok

MDK have issued court proceedings against me over an old all edged barclaycard debt .

This was bought by them from barclaycard at the beginning of this year .

I have responded to defend this as I am almost certain that there is no signed credit agreement .

However most of the debt is made up of charges the claim is for £2,500 .

There is also PPI to claim back on the account too .

I was wondering of I should just defend on the no signed bpcredit agreement? Or counterclaim.

Well on Monday I phoned pip who put a stop on the claim as they said as I had been awarded at court the pip claim would no longer be eligible ?? Not heard from dwp yet

Got the money through on Tuesday ! Can I ask my tax credits will they be affected I told them I got the higher rate mobility a week after I won they said I would hear in six weeks and if not gave me a number to ring ? Anyone know what happens ?

no, you won't get any money taken back, the dla decision will apply until the PIP decision is made - so no overpayment, don't worry on that front.

Well on Monday I phoned pip who put a stop on the claim as they said as I had been awarded at court the pip claim would no longer be eligible ?? Not heard from dwp yet

:not so golden girl:

 

Yep, entitlement to disability living (by a decision maker or a tribunal panel) ends once there's a determination about entitlement to personal independence payment. Reg 17 of;

 

http://www.legislation.gov.uk/uksi/2013/387/made

 

Where there's a decision about personal independence payment, before an appeal hearing for disability living, the tribunal panel will only consider the period between the application for disability living and the decision about personal independence payment.

 

Margaret.[/quote

So am I right in thinking if I get paid from the dla up untiltoday and then pip decide no I am not allowed I get money taken back off my from when I first applied for pip? ]

Well today I had my appeal for dla and was awarded the higher rate ) now I still have not heard from the pip people will this ruling override it or not ?

just rang dwp and they have not recieved any information from atos. i rang atos who said it was being taken care of and would be sent to them when all checks had been made ? dont think she had a clue really .

Ok I see now.

 

PPI cancelled 2004 but card still used. Accordingly the balance on the card still includes PPI premiums brought forward so any interest charges will still be on an "inflated" balance.

 

Easiest way to resolve it is to force the spreadsheet to calculate the interest and this is done by just entering a PPI premium of 1p for each of the months where no PPI was added to the account.

 

It will make a negligible difference to the PPI premium figure. For example 10 years at 1p per month is only £1.20 but your compound interest figure will be a lot nearer the figure it should be.

Ok thanks ever so much for that its a great help

Hmmm, sounds disturbingly familiar. Please keep in touch with the result, and good luck for your dla appeal.

So not unusual how many weeks should it take ? I have a feeling they are awaiting the appeal decision first which I think will be upheld as I have sent in no further evidence as I have none !

Two threads merged

 

Answer is in post #6 above

Yes but when doing that its not added any interest from when I stopped paying PPI is this correct?

Yes I think everyone will be interested to hear from one of the 'first'. I presume that they are working strictly to the mobilising no more than 20 metres rule as well?

 

I can't see this or any future government going soft on what has already been decided on how PIP will be run. I just wish that the government would be honest and up front and once and for all admit that one of the reasons that PIP has been brought in is to cut down on the number of awardees and consequently the amount of money being paid out. This must be one of the biggest know secrets around.

 

Slightly off the subject, and having done a self assessment of the PIP descriptors, I will go from DLA - HRM & MRC to zilch under PIP!!

It doesn't change how difficult life is it just makes me feel better that I will be formally told that I am not as disabled as I thought I was!

Well I sent forms off on 24th April and to be honest was pleased to get an assesment of someone as I have applied for dla and been refused on many occasions I have an appeal in two weeks for that but that's another story . I applied again as I need a hip replacement and have been told I can have a one . They atos guy who gave the assesment was really ok and seemed to be sympathetic to me but lord knows what he put in the report . He just asked the questions on the forms like can you prepare a meal how far can you walk etc and the examination was about 30 seconds to be honest he could see I was in agony and he said that at the time all I had to do was lie on a bed and try to raise one leg the.n the other . Just would like a decision!

had an assesment for this new pip (new cliam) three weeks ago and had no decision from DWP yet how long should it take? i claimed on the 24th april

myy ppi claim runs from 2002-2003 although i still have the account but do not use it . when i calculate the ppi after 2003 the interest stops? but i thought as its compound interest it would still mount up am i using the wrong spreadsheet?

Is the account still live or has it been defaulted and interest stopped being charged on it?

Hi it's been defaulted with no interest added