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jdmw21

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Everything posted by jdmw21

  1. Thanks 42man. I have recieved application notice back from the Court today and not sure what it is!! (sorry im so new to this) In Part A i need to put who is making application and what for?? would that be me or CL?? Part B. I wish to rely on..tick box..... im guessing my application for an extension to file my defense?? Advice on the above much appreciated (i've heard nothing from CL/H cohen re my CPR request...they have 6 days left to respond...)
  2. not very long really. took 3 letters and they refunded in full The only refund ive got so far tho!
  3. Hi all. Got there in the end! They refunded all charges plus interest..£258!! Good luck to others who are dealing with them. (And once I know how, donation will be on its way to CAG x)
  4. Hi. A few questions! NatWest creditcard have offered £434.16 out of £482 i was claiming for... but have 'arranged' for this to be credited back onto the card However I owe £2000 on this card that has now been passed to a DCA... 1) I would accept the amount offered but do I have any chance of this payed to me via cheque?? 2) I have inccured more charges since my intial claim.....can I claim for these back as well? £) If I can, do I follow the same process?? Any advice welcome
  5. finally found this post! (im having a few problems with posting:oops:) thankyou both. i will send cca's to all... And yes, I am getting about 50 calls a day starting from 8am til sometimes 9pm It helps having caller ID tho, and a touchtone phone
  6. wow :grin: all i can say is THANKYOU! ive only briefly read it once so will read it again!! slowly! it appears that going through my paperwork that i have never recieved a default notice form GE money... Now do I wait for the response from my CPR and CCA request delivered yesterday or do I submit my defense now??
  7. Here they are! all figures approximate..and in no particular order.. All unsecured debt. £9000 personal loan -was with A&L- now passed to DCA global debt management. £2300 citicard - now with DCA 1st credit. £3100 RBS card -now DCA allied int credit £3500 natwest overdraft- ongoing charges being occured - now DCA Triton £800 Ge money - now cl finance/howard cohen - court proceedings started against me...(see other post) £600 vanquis card - DCA moorcroft debt recovery ltd £6000 barclays student loan- NOT passed to DCA as yet £300 argos card - DCA incasso £250 capital one card - DCA power to contact. £2000 natwest CC NOT passed yet... Approx £27,000 All these debts are unsecured. i have interest only mortgage on a shared ownership housing association property and have one teenage child... I have spent days now reading throught this site and now im wondering if I should fight these debts via court process as one company has already started proceedings........ All of these debts have had charges included and my natwest accounts have ignored my letter to freeze interest/charges and are charging me in excess of £100 month ......... I really dont want to go for bankrupcy if possible.. Any advice welcome!
  8. thankyou for your help so far and a big thank you for this site! This is my situation with the court bit... Court Issue date 7th july from CL finance Ltd claiming 654.80 plus costs now £779.80 on behalf GE money yesterday i rang the court and they advised my defense had to be in this friday 8th July...! They advised me to acknowledge service online, sent me an application notice and said to send £40 postal order via Special delievery and request extension to give me more time to file my defense which i did yesterday. I also sent a CCA request to GE money and the request for info under CPR by special delivery. this is the particulars of claim: '...claimants claim is for 654.80..monies due..under regulated credit agreement between...defendant and GE capital...and assigned to the claimant on 2nd july 08 notice of which has been given to the defendant. the defendant has failed to make payment in accordance with the terms of the agreement and a default notice has been served upon defendant pursuant to Section 87(1) of the Consumer Credit Act 1974. Pursuant top clause 7 of the agreement the Claimant also claims contractual interest of 26.478% per annum from the date of these proceedings to the date of judgement, or sooner payment accruing at a daily rate of 0.57.' Please help me with my defence! In march 2007 i started reclaiming charges of £237 + interest but they have only offered £45 and i believe they have added more charges since my original claim.... Also i wrote to them in jan 2008 explaining i was in financial difficulty and requesting them to hold interest, reduce payments etc which they acknowldged. however they sent letter dated 25/2/08 demanding full payment!! In my opinion the majority of this debt is through unfair charges/interest depite my request to reduce payments? What should i do next??
  9. First, thank you for this site! This is my situation.... Court Issue date 7th july from CL finance Ltd claiming 654.80 plus costs now £779.80 on behalf GE money yesterday i rang the court and they advised my defense had to be in this friday 8th July...! They advised me to acknowledge service online, sent me an application notice and said to send £40 postal order via Special delievery and request extension to give me more time to file my defense which i did yesterday. I also sent a CCA request to GE money and the request for info under CPR by special delivery. this is the particulars of claim: '...claimants claim is for 654.80..monies due..under regulated credit agreement between...defendant and GE capital...and assigned to the claimant on 2nd july 08 notice of which has been given to the defendant. the defendant has failed to make payment in accordance with the terms of the agreement and a default notice has been served upon defendant pursuant to Section 87(1) of the Consumer Credit Act 1974. Pursuant top clause 7 of the agreement the Claimant also claims contractual interest of 26.478% per annum from the date of these proceedings to the date of judgement, or sooner payment accruing at a daily rate of 0.57.' Please help me with my defence! In march 2007 i started reclaiming charges of £237 + interest but they have only offered £45 and i believe they have added more charges since my original claim.... Also i wrote to them in jan 2008 explaining i was in financial difficulty and requesting them to hold interest, reduce payments etc which they acknowldged. however they sent letter dated 25/2/08 demanding full payment!! In my opinion the majority of this debt is through unfair charges/interest depite my request to reduce payments? What should i do next??
  10. What should I do!? Hi I’m new here and this is my first post! Thank you for a great site and its taken me long enough to be brave enough to post here… I’m seriously in debt. I got into difficulties after uni and due to my relationship breakdown. I owe approximately £30,000 to 10 different creditors – in unsecured loans, overdraft and cards. (Without including my student loan). I am a lone parent with a teenage daughter and my take home pay is approx £1600 month. I have a shared ownership property bought in 2007- market value was 157,500 and my mortgage is £63,000 interest only. My income barely covers my outgoings and in January 2008 I just stopped paying my bills (stupid I know) and even stopped opening mail. I am telephoned constantly and now people are knocking on my door… I am now being chased by debt collection agencies and have just received a County Court claim which I would like to defend due to the charges added on top but don’t know where to start… I really am in a mess but now i'm ready to start dealing with this before it gets even worse…. Please advise!!
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