Jump to content

Potless1

Registered Users

Change your profile picture
  • Content Count

    124
  • Joined

  • Last visited

Everything posted by Potless1

  1. hi ell-llen i have been to court & have to pay, they have asked for the full payment of £12,000 to be paid by tomorrow, all i need to try & do is find the best way of getting them to accept what i can afford as i am on JSA & have no savings to pay such a large amount. I need to deliver whichever forms i need to fill in for them to look at my situation by tomorrow. is it the N245 & EX160 i need to fill in ? what would the courts accept as proof of household income ? also on the EX160 what do i put against the following box: What is the title or number of the fo
  2. what would the courts accept as proof of household income ? also on the EX160 what do i put against the following box: What is the title or number of the form you need the court to issue??
  3. Just received the following letter from Barnet county court today: http://i282.photobucket.com/albums/kk278/yid-old-boy/judgement.jpg Please can anyone advise me on what i should regarding payment, i do not have the funds to make the payment as i am out of work & am on JSA, i also have my own home. Will they accept minimum payments until i can afford more ? Are these the 2 forms i need to send off regarding the payment: N244 application and an EX160 form ?
  4. ok, here is a copy of my defence which i fi8lled in on my allocation questionaire: http://i282.photobucket.com/albums/kk278/yid-old-boy/MYDEFENCE.jpg & here is the copy of submissions from the claimant: http://i282.photobucket.com/albums/kk278/yid-old-boy/CS1.jpg http://i282.photobucket.com/albums/kk278/yid-old-boy/CS2.jpg http://i282.photobucket.com/albums/kk278/yid-old-boy/CS3.jpg http://i282.photobucket.com/albums/kk278/yid-old-boy/CS4.jpg http://i282.photobucket.com/albums/kk278/yid-old-boy/CS5.jpg i told the judge that i was on JSA & could o
  5. i have been to court (4th dec) regarding the debt & the judge sided with restons & this is where its at now, any suggestions ?
  6. Just received a judgement letter too! From Barnet county court today: http://i282.photobucket.com/albums/kk278/yid-old-boy/judgement.jpg Please can anyone advise me on what i should & should not do, i do not have the funds to make the payment as i am out of work & am on JSA, i also have my own home. What can the courts do to enforce the payment ? thanks __________________ Potless1
  7. hi, a friend of mine who is out of work at the moment was contacted by someone via email who said he was in Cyprus & gave a Company name & address in Cyprus of an offshore finance company, the guy was offering part time work which my friend gratefully looked into, the guy said he had agents all around the world & needed an agent in the Uk to help take payments & make payments each week with commision being £100 for each payment, the guy took my friends number & spoke to him a few times reagrding the job offer, the guy sent a contract agreement with the name of the Cypriot b
  8. im on job seekers allowance is this still the same regarding legal aid ? I also a home owner...
  9. & what should i do about my monthly payment which they have taken for my smaller debt even though in my letter that i send with the cheque is states the account number of the bigger debt ? shall i just leave it as my letter & account number are clearly shown when sending the cheque each month.
  10. & what about my monthly payment which they have taken for my smaller debt even though in my letter that i send with the cheque is states the account number of the bigger debt.
  11. hi all, i've also recieved a CCA fron citi card: http://i282.photobucket.com/albums/kk278/yid-old-boy/002-1.jpg in paragraph 1 they state that "This copy agreement does not include the signature box, signature or date of signature as in accordance with regulation 3(2)(b)(ii) of consumer credit )cancellation notices and copies of documents) Regulations 1983: we are not required to provide them" IS THIS CORRECT ? IF SO WHATS THE POINT OF A CCA ?
  12. Another little twist today, i have been sending £4 each month for the past 3 months to MBNA for account 1 (£11k - restons) with a letter clearly stating my account number, got a phone call today from DCL / hillesdens (account 2 - £3k) who said they will accept the £4 each month i am sending them, so even though i am sending the £4 to MBNA with my account number clearly stated in my letter they are puuting it against my other account with DCL - £3K which i am still waiting for the CCA from. Should i not say nothing as i have proof of sending with a copy of the letter i send with the cheque
  13. Hi all, my mistake !!!! forget the comms log i posted earlier, they sent me the comms log for both cards, this is the comms log for card in question: http://i282.photobucket.com/albums/kk278/yid-old-boy/CLog.jpg sorry for the c--k up
  14. hi, snooper, yes i have sent the following: CPR 31.14 Request On 04 June 2009 I received the Claim Form in this case issued by you out of the Northampton County Court. I confirm having returned my acknowledgement of service to the court in which I indicate my intention to contest all of your claim. Prior to the issue of proceedings I had delivered a request for the production of the Consumer Credit Agreement, mentioned in the Claim Form and on which you rely. I am still awaitingfull compliance. Please treat this letter as my request made under CPR 31.14 for the disclosure and
  15. here is the comms log for around 7th april 2009 (the day the DN was sent: http://i282.photobucket.com/albums/k...boy/001-13.jpg
  16. I think i know what's happened here, first of all are the comms log which i have been sent all for one card ? reason being i have a second card with mbna for a smaller amount of just over £1,000 which has been passed onto DLI originally & now it is in the hands of Hillesdens who cannot seem to find the CCA but thats where DLI must have came from, could the comms log be incorrect or would the comms log account for both accounts ? I know it sounds very confusing but there is no other explanation !
  17. Are Reston's & direct legal collections not connected ?
  18. hi, this is the comms log page at the time my default notice was issued, please can you look over it for me to see if you can find any discrepancies in it. http://i282.photobucket.com/albums/kk278/yid-old-boy/001-13.jpg thanks a lot for helping me.
  19. i've got the comms log, what should i be looking for in the log ?
  20. is this letter ok to send even though a court date has now been set ?
  21. i never payed for the payment protection. regarding my terms, what can i use in court against restons seeing as these are not the original terms ?
  22. hi s/s, i was sent the comms log & the terms are above which were also sent to me so the SAR is a no goer ! All i've got in my favour really is the crap CCA which is unreadable & the default notice which you have said is ineffective which i will look over now in the link you posted. cheers
  23. hi pompey, yes terms & conditions were sent: http://i282.photobucket.com/albums/kk278/yid-old-boy/CCA1.jpg http://i282.photobucket.com/albums/kk278/yid-old-boy/CCA2.jpg http://i282.photobucket.com/albums/kk278/yid-old-boy/CCA3.jpg http://i282.photobucket.com/albums/kk278/yid-old-boy/CCA4.jpg cheers
  24. hi, here are copies of my default notice & cca i have been sent, i do not have the envelope for the default notice. http://i282.photobucket.com/albums/kk278/yid-old-boy/CCA.jpg http://i282.photobucket.com/albums/kk278/yid-old-boy/DN.jpg cheers
  25. hi, i do have my own home & i dont have funds for a solicitor, if reston's put a charge on my home what are the consequences of that ?
×
×
  • Create New...