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mr nice

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About mr nice

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  1. Do you include the day that you are served with the SD as one day. I got my through the letter box on 10th October 2013. I'm also a bit confused in filling the 6.4 for in section (d) I have Lowell and in section (a) I have BW Legal. The date I got the SD served is 10th october 2013 but on the paper work by BW legal it says 24th September 2013. In section (b) do I put the 10 October or 23rd September.
  2. I also had a SD from BW legal which was served on 10th October 2013 and according to my calculations 18 days were going to up on this coming Sunday. Managed to fill the 6.4 and 6.5 forms and took them to court this afternoon only to find out the court times had changed a few months back from 10.00am to 4.00 pm to 10.00am to 2.00pm. The person at the court said I could leave the forms in their post and they will be seen first thing Monday morning. I have bought the forms back and will go first thing Monday morning but it will be the 19th day on Monday.
  3. Thanks a million for everyone's help. I filed the defence couple of weeks back and I have hot a reply back from the claimant's solicitor. They have sent me a Tomlin order and proposed some terms for me to agree within 14 days. The claimant want's to settle at £5800.00. The amount they asked for on the court order was £6552.09. The original amount was only £3440.99 and the rest was added interest and court costs when the court was sent. Secondly they have agreed on me to pay £25.00 per month. They want me to agree to this. After I sent the d
  4. It's a credit card debt which goes back to 2000. HSBC have passed this to a DCA. They also sent a statutory Demand in November 2008. I stupidly ended up paying £500.00 straight away and then got in to a payment plan with them. To stop the Statutory demand. I have not asked for a CCA. On the claim form shall I just dispute the whole amount and request fro CCA from the claimant. How do I go forward on this. What is a CPR please.
  5. I have been sent a county court summons by Phoenix Recoveries (UK) Ltd Sarl-Marlin Recoveries. They are acting on behalf of HSBC Bank. I have an outstanding credit debt which was with HSBC bank and over the years I have been on a payment plan of £30.00 per month. Recently I got a letter from the solicitors that the amount was not enough and they sent me a income & Expenditure form which I filled in. It was a very basic form and did not ask me to list all my out goings. I sent this off and then I got a letter back saying there is a monthly surplus of £300.00 and that part of th
  6. I have an outstanding credit debt which was with HSBC bank and over the years I have been on a payment plan of £30.00 per month. Recently I got a letter from the solicitors that the amount was not enough and they sent me a income & Expenditure form which I filled in. It was a very basic form and did not ask me to list all my out goings. I sent this off and then I got a letter back saying there is a monthly surplus of £300.00 and that part of this should be applied to the debt. I do not have a surplus and this £300.00 was for other debts. Any how by the time I was in the process o
  7. I have an outstanding credit debt which was with HSBC bank and over the years I have been on a payment plan of £30.00 per month. Recently I got a letter from the solicitors that the amount was not enough and they sent me a income & Expenditure form which I filled in. It was a very basic form and did not ask me to list all my out goings. I sent this off and then I got a letter back saying there is a monthly surplus of £300.00 and that part of this should be applied to the debt. I do not have a surplus and this £300.00 was for other debts. Any how by the time I was in the process o
  8. I also am having the same problem with these idiots. Even though I have agreed a payment plan of £25.00 on the 8th of every month. I still get silly text messages all the time requesting payments. Couple of days back I got a letter with a notice of intended recovery even though this month's payment was only due by the 8th (last Saturday). They have had last month's payment. This is completely getting put of hand.
  9. Can any one help me out there as the N9A from the court has to be sent back.
  10. The finance company is Capital Bank (Bank of Scotland)
  11. My sister got a car out on finance for a 3 year period starting from January 2007. The total finance was £15899.04. She was making regular payments until last August and had paid £8250.28. Its then she was involved in a road traffic accident and since then has not worked. She is currently on Family Credit. The current outstanding balance is 9132.29. The initial outstanding figure was £7770.50 plus charges of 1361.29. Some of these charges have been horrendous like £150.00 for each letter sent. It also includes £250.00 for Solicitor costs. A possesion order (Claim Form) has been sent
  12. I have checked the figures again and you are right it is £250.00 short. They have been one payment of £604.67 as the 1st payment followed by 15 payments of £454.67. A total of 16 payments. Is that not 1/3 payments or does it have to more then amount in the CCA. Can't find the Default notice. Send for a subject Access and request for DN. Not received any court order so far.
  13. Got a reply from the finance company. A copy of the CCA has been sent which looks ok. A breakdown of all the payments has also been sent. The total payable at the starting of the agreement was £22024.16 and the current balance is £14599.44. In the agreement it says £7674.72 has to been paid or 1/3 of payments then goods cannot be taken away without court order. In the letter the finance company has said the account has been passed to their legal department to begin issuing proceedings in order to secure our outstanding balance.
  14. I have property worth about £90,000 to £100,000 in current market conditions. Until last year the property was freehold. Then June last year I took a re-mortgage of £35,000 for 6 years. Instead of a normal re-mortgage I ended up somehow getting a buy-to-let mortgage. The property has always been rented out for the last few years. I started having financial difficulties at the end of last year and also the tenants moved out and property remained vacant for a few months. I kept on informing the mortgage company Cheltham & Gloucester about the situation. The monthly payment was only
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