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  1. Hi Andyorch Thank so much for that link. Very interesting reading
  2. Hi Andyorch As you can probably guess we are not on good terms so it’s not that I could have a sensible conversation with him about it but I would be very surprised if he would be in a position to do so. He is over 70 and his health is not good He is likely to fight it all the way and I know he will do all he can to stop it as he is living in a property and an area he cannot afford without my investment My other option is to sell my portion of the property. Do you know if this is possible as I do know of someone who would be interested? Cheers
  3. Hi Andyorch Thanks so much for your reply Yes we are definitely tenants in common. He has 70% I have 30% Not only do I want my money out of the property but I also want any association with this man to stop as I do not trust him in any which way. He currently lives in the property and I know he will be down valuing it as we speak. Is this something I can do easily myself? Thanks to him I am living on a very low income and cannot afford unnecessary legal expenses. Thanks again
  4. Hi I wonder if I can get some advice please? I part own a property 30% me 70% estranged father in law It’s been a messy business but I just want done with it now and need to figure out the best way to end all ties Can anyone tell me how I go about getting my share of the property and my name removed from anything to do with this vile man? Thanks so much for your time
  5. Hi I wonder if anyone can give me any advice here please? There is a house very close to us that is listed and on the Buildings at Risk register. It is falling down and has been empty for some years. I remember the property being on the market for far too much money some years ago and it never sold. I have been doing some research and the owners have 7 Charging Orders and many more restrictions on the property although they never actually has a mortgage on it. It would appear the couple have now left the country and the property to fall to rack and ruin. I can imagine how things just got on top of them and it was easier to run away but this house really does need looking after. I should also imagine with so many people having an interest it would be a complete nightmare to try and untangle the mess and the owners probably would end up with nothing so not worth all the hassle and stress. Does anyone know the rules about such situations? If the owners were to sell at a low price (bearing in mind they are no longer in the country) would they still be chased for the outstanding balance? I'm wondering if I could make them a silly offer that they may be interested in just to get it off their backs. A couple of the restrictions are from the local council who it would seem have spent money securing the property in the owners absence. I also wondered if they may be for the outstanding council tax which must be continuing to add up. Thanks for your time reading this and any advice would be appreciated. Cheers Cupcake
  6. Can I just pick up on this please? I was under the impression that a NoA had to come from the original creditor? Thanks and good luck G Cupcake
  7. Hi Guys How is everyone? Things have changed so much with these threads now I no longer know if the information is even relevant! Can anyone please tell me if the advice given on here would still stand today? ie agreement doesn't have the prescribed terms and the default notice was faulty so once they terminate they have shot themselves in the foot. The account has been sold on and the new owners are trying to take me to court (not sure what they think they are going to get from me - v low income and no equity!) but I find it very difficult to keep up with the changes that have gone. Every thread I read gives different advice! Thanks for reading this CC
  8. Hi Folks! This account has apparently been sold to Sigma and I have received a letter today saying as I have failed to make payment they are going to issue court proceedings. I have another M&S/Sigma account that they tried to issue court proceedings on which was a reserve account and their claim was only for costs - they seem to have gone away since I filed my defence. I was just wondering if things have changed with these accounts. ie this was a store card that they changed to a credit card and I'm pretty sure it was decided some time ago that they should never have done this without signed agreements. Is this still the case or have things moved on? I don't know whether I should write back at this stage to avoid the hassle of dealing with a court claim or if I should just wait and deal with it if/when it comes along? Thanks guys CC
  9. Hi I have spoken to the court today. They have confirmed that the case is stayed as I have filed my defence and they have not replied but she advised me that if they decide to go ahead in the future it will be sent to my local court. I can apply to local district judge to get it struck out if i want but she seemed to imply it was a waste of time. I am keen to get these people of my back so am thinking about strike out but I could do with some advice on this please/ If I apply for strike out and win (I assume it's fairly straight forward being that they have totally ignored my written requests for information on this account) can I claim back the £75 cost as well as my other costs? I am far from flush so to find the £75 would be hard but if I was confident in getting it back it would be worth it. Also although I have told them to not contact me by phone they are still calling me 3-4 times a day. Is there any more I can do about this? Thanks guys Cupcake Ps I am thinking any money I can get back in charges for my time (I think it's £18 per hour) should be donated to this site - I have had so much help over the years and although life is still very hard we are learning to live with it and be grateful)
  10. Thanks guys for the feedback! So to get the claim stayed they have to agree? So get the claim struck out I have to pay £70 ish? If I then get it struck out can I claim my costs back from them? Cupcake
  11. Hi Guys So... I sent my embarrassed defence on 090812 and so far have not heard a thing (except my phone ringing several times a day!!) HL ;egal/Sigma and M&S have both so far ignored my requests for information. I have had nothing from anyone. Am I right in saying once my defence is in they have 28 days to decide if they are going ahead? If so what do I do now that 28 days is up? Thanks for all the advice Cupcake
  12. Hi Guys So having read lots of threads although I haven't got answers to all my questions I am confident that handling it they way I have handled others in the past. I am defending the claim. I am going to send Sigma the standard CPR request letter giving them14 days. I am going to add a note at the bottom asking them to agree to an extension for filing my defence. I am SAR ing M and S (I intend to check their records for any discrepancies or mistakes they made in handling/selling on my account) I expect Sigma not to replay to my CPR request or acknowledge my request for an extension to file my defence. In which case I will file an embarrassed defence explaining that I have no details. If anyone sees any fault in this route I would be pleased to hear them and also if anyone can shed any light on my initial question about Sigma being in Jersey (I remember reading something about Varde being in Ireland and that they should not have been allowed to buy the debt?) Good luck everyone I will keep this thread updated. Cupcake
  13. Hi Donkey B Claimant Sigma SPV 1 Limited St Helier Jersey care of HL Legal & Collections Redditch POC's as follows: Part only of monies due under regulated Credit Agreement number xxxxx between Marks and Spencer Financial Services plc and the defendant the benefit of which was assigned to the Claimant on xxxx. The agreement terminated upon the defendant(s) failure to comply with the terms of the Agreement and/or the statutory Notice of Default served by Marks and Spencer Financial Services plc The Claimant seeks interest pursuant to section 69 of the County Courts Act 1984 at the rate of 8% per annum from the date of issue continuing at the daily rate of 0.07 Any payments or queries should be directed to the claimant on 01527 586594 (Phone) or email: [email protected] Thanks for your time Cupcake
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