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About GhostDebt

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  1. A general query relating to litigation by a company who claims to have been assigned a debt. I am aware that I am entitled to view a copy (redacted if necessary) of the deed of assignment - Van Lynn vs Pelias, however am I correct in assuming that the Claimant must produce a copy in court in order to substantiate their claim? and not just provide a copy of an alleged Notice of Assignment. If so, is there any case law or legislation I can refer to which states that they must produce the deed of assignment in court? Thank you for your assistance. GD.
  2. No it wasn't Creation... Yes we received 1 x Default Notice, served under Section 87(1) of the CCA 1974 complete with the OFT information sheet. and 2 x Cancellation Notices, which state: We still haven't received the outstanding amounts due from you as set out in our previous correspondence. In view of your default, in accordance with your Consumer Credit/Installment Agreement the process for cancellation of your policy has now started and cannot be stopped. Your policy will therefore be cancelled 7 days from the date of this letter... etc. Hope this additional information he
  3. Hello Bazooka Boo. Yes the claim was for both accounts added together.
  4. That was my understanding as well. So the next question is, if they terminate the agreements following the issue of one Default Notice they have breached the CCA. i.e. 1 Default Notice Issued 3 Accounts terminated (each with there own credit agreement) Therefore 2 accounts terminated with no Default Notice = Breach of CCA and leaves them open to a claim for refund of all payments plus interest? Does anyone else agree with this assessment? Regards GD
  5. I have a question I require help with. First let me apologise if this is posted in the wrong place, but as it relates to Default Notices as well, I thought it might be a good place to start. If a person has several insurance products with a company all paid for on the same direct debit and the direct debit fails, can the company issue one Default Notice for all the accounts, or should they issue a Default Notice for each account? - Bearing in mind that each account has its own credit agreement? Many thanks. Regards GD
  6. Good afternoon DX, The CCJ is genuine in that we were aware of it but were unprepared/not fully informed and basically got steam rollered in court. (This was before we joined CAG) The claim related to a Bank Loan and Overdraft facility. I managed to get the bank charges off the total value pending the test case. But as we admitted it in part, rather than defend from the outset and weren't at the time sure of what we were doing we got beaten. Unfortunate but we grow wiser....
  7. Thank you for the replies. We have been making the payments to the claimants solicitors who have then allocated the payments to the claimant. I will write to the claimants solicitors (copy to the claimant and third party) and inform them that we will continue to make the payments as before and not to a third party unless the court orders otherwise. Thank you for the comments.
  8. Thank you for your reply unclebulgaria67.
  9. Good afternoon all Prior to finding/joining CAG a number of years ago, the court ruled in favour of the claimant and we were given a CCJ. Since the CCJ we have been paying the claimants solicitor on a monthly basis towards two claims both involving the same account. Recently we have been contacted by a third party asking for payment towards the CCJ. Having contacted the claimants solicitors it would appear that the claimant has taken back control of one claim but left control of the other claim with the claimants solicitors. Having contacted the claimant they say we should deal w
  10. When dealing with arrears on energy services do the following still apply: 1. No calls letter. 2. No visits letter. 3. Office of Fair Trading Guidance on Debt Collection. In short, my energy provider does not appear to be complying with the decision made by the Energy Services Ombudsman (in my opinion) and before I take this matter back to the Ombudsman for review I wanted to contact my energy provider to give them the opportunity to remedy the situation and the answers to the above will assist in my response. Thank you for your assistance. Regards GD
  11. Thank you for the further comments and assistance. I will keep you updated on our progress. Many thanks
  12. Hello DX, This has been ongoing for sometime but until now they haven't pursued it. I agree it is more important than some of the other bills, so I suspect it is best to make an arrangement with them of some sort. Where do we stand with regards there default letter and the questions I asked in the original post. Merry Christmas GD
  13. Thank you for your reply dx. Each year for the last few years we have missed a few payments here and there so at the start of the latest billing period (April 2011) there were arrears of just over £600 and also this years billing amount on top, so the total bill was just short of £1200. The payments we have made so far will cover the useage and some of the arrears by the end of the billing cycle, just need to determine what we can do to start covering more of the arrears. Regards
  14. Good evening CAGgers, I received the letter detailed below on the 19th Dec and would like some comments on my questions at the end of this post. FINAL DEMAND: NOTICE OF DEFAULT PLEASE ACT NOW TO PROTECT YOUR CREDIT RATING AND PREVENT A DEFAULT BEING FILED WITH CREDIT REFERENCE AGENCIES FAILURE TO ACT MAY IMPACT YOUR ABILITY TO BORROW MONEY OR SET UP CREDIT AGREEMENTS FOR SERVICES SUCH AS SATELLITE TELEVISION AND MOBILE PHONES. We note that you have failed to pay the sums owed to us in relation to your water and / or wastewater charges. You owe the sum of £...
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