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About rippedoff15

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  1. Email,. today from BW Legal Without Prejudice Save as to Costs 09 April 2020 Dear XXXXXXX Our Client: PRAC Financial Limited Balance Due: £521.65 Hearing Venue: XXXXXXXX Original Creditor: Instant Cash Loans Ltd trading as Payday UK Original Account Number: XXXXXXX Hearing Date: 16 June 2020 We are writing to you because the court has listed our client's claim for a court hearing on 16 June 2020. We understand this is a difficult time for every
  2. Just checked we last paid in Aug 2013, however my wife tried to sort out and she did in fact make 1 payment on 1st September 2014, therefore its not SB until or after 1st September 2020. Simple words up the creak without a paddle, not sure how to base defence on now
  3. We will be laying out all paperwork in the morning and double check the payments
  4. Afternoon I have double checked and cannot find any payments since the Aug 2013, overall they must prove it`s not SB and there not they are saying they debt is enforceable as they have a promissory note. if our defence states SB information and the Promissory note not Executed as Deed or any consideration would this be acceptable
  5. According to our record the last payment was 1st August 2013, if they are correct and we hope they are wrong they class falls on where the Promissory note is legal as they are using the note as the main part of there claim.
  6. The original sum paid to the business was £20,000 we repaid approx £13,000 and since then they have been adding interest In real terms we have paid £13,000 and they now demand another £27,660.88 plus court cost giving total of over £40,000
  7. This is the PofC on the court papers 1. On 31st July 2008 the Creditors ( Mr & Mrs XXXXX ) advanced the sun of £20,000.00 by way of personal loan to the debtor and her husband, Mr XXXXXX who was subsequently adjudged bankrupt 2.On 29th September 2009 the Debtor and her husband signed a promissory note, confirming that the debt was repayable on demand, and her husband made number of payments towards reducing the balance, thereby acknowledge the existence of the debt. 3.The final such payment of £125.00 was made on 1st September 2014. No subsequent paymen
  8. Many thanks for all the information, i have to double check court paper issued on 13th Match and the last day to submit the defence will be on 14th April by 4pm ? Just don`t want to make any mistakes
  9. Forgot to ask Is the time frame to submit the defence 33 day from the date on the court papers which is 13th March
  10. This is the note on the defence relating to the Promissory note - Is to long worded or wrong The Claimants whole case relates to the Promissory note which was signed under harassment from the claimants at the time and not signed in the presence of the witness, no funds were ever paid directly into my own bank accounts and fact the claimant paid the funds into a business which went into administration. Upon reviewing the documentation the Promissory note was not Executed as a Deed nor any acknowledgement and i received no consideration any lieu of the Promis
  11. Just a question details below is the filing history A claim was issued against you on 02/12/2019 Your acknowledgment of service was submitted on 04/12/2019 at 20:28:57 Your acknowledgment of service was received on 05/12/2019 at 08:05:28 Your defence was submitted on 14/12/2019 at 11:45:17 Your defence was received on 16/12/2019 at 01:21:14 DQ sent to you on 15/01/2020 DQ filed by claimant on 04/02/2020 You filed a DQ on 13/02/2020 Your claim was
  12. I understand this has dragged on the years, we have tried every thing to resolve this matter, the other party has said they are not interested in talking they confirmed yes we have repaid over the years £13k but they want the full claim amount, the last words were in fact see you in court once we have the CCJ we will have bailiff collect everything you own plain and simple. My question is we are fighting this and submitted the follows: A claim was issued against you on 13/03/2020 Your acknowledgment of service was submitted on 24/03/2020 at 19:
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