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  1. Thanks for your help but I've read loads of threads, helped people on benefit threads and donated cash to the site, something most users don't bother to do. Can you explain why the claim is stayed? Is it something to do with the dates?
  2. Right, I put in a statute barred defence. Mortimer Clarke solicitors have replied (dated 10 November) that "The six year limitation period runs from the latest date on which : 1.A payment was made towards the debt ; or 2. The agreement was terminated ; or 3. You acknowledged the debt in writing. We are instructed that in this case the cause of action accrued when the agreement was terminated on 04/09/2010. Therefore proceeding were issued within the 6 year limitation period, and so the claim is not statute barred." Is this thing about when the agreement was
  3. Sure I'll do that. Cheers. Should I get contact from MCOL or the claimant re my defence and what's the timetable now it has been submitted?
  4. I've taken your advice and filed the SB defence. Thanks so much for your help. Nice one. What happens next?
  5. I want to cover myself incase it is not SB. Can I request cca and documents then say in defence that documents were not forthcoming / were incorrect but I believe it to be SB anyway?
  6. ok. I want to request default notice, assignment letter and cca from Marlin. How do I do this?
  7. Not dared look at my credit file for years. What's the significance?
  8. Sorry letter was end of 2009. Can I do a SAR at this point or should it be a CPR request? I'm concerned time is ticking away before court deadline.
  9. I ceased payments July 2009 but wrote to them at the end of 2009 explaining I had lost job and asking for help. Got no reply. Will this not count as the last time I acknowledged the debt and therefore the start of the statute barred period. Or is the statute barred clock started from when I last made a payment?
  10. Correct but I did write to them at end of 2009 which I suppose counts as me acknowledging it?
  11. Name of the Claimant Marlin Date of issue – 14/10/2015 What is the claim for – 1.By an agreement between Egg Banking plc & the Defendant on or around 05/11/2002 ("the Agreement"} Egg Banking plc agreed to loan the Defendant monies. The Defendant did not pay the instalments as they fell due & the Agreement was terminated. The Agreement was assigned to the claimant on 31/01/2013. 2.THE CLAIMANT THEREFORE CLAIMS 1, 11358.87. 2. Interest pursuant to section 69 of the County Court Act 1984, namely 5011.56 & continuing until Judgement or so
  12. Hi folks, I have received a Northampton County Court claim form dated 14 October 2015 for an alleged debt to Egg. I CCA'd Egg in 2010 and they provided an agreement which I was unsure about so I have since maintained the position that I do not acknowledge the debt . Marlin wrote to me in Feb 2014 and I replied with another CCA request. They produced no documents. Now I have this claim form. It says : "By an agreement between Egg Banking plc & the Defendant on or around 05/11/2002 ("the Agreement"} Egg Banking plc agreed to loan the Defendant monies. The
  13. ICO gives an address in Edinburgh but Halifax's privacy statement gives the Chester address already mentioned above. Now I'm even more confused. Any definitive answers?
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