Dotty50
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Everything posted by Dotty50
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A very reputable company, so as suggested, give them a call on Monday let us know how you get on. http://www.insurancehero.org.uk/compare-life-insurance/zurich.html You will see from this that guaranteed premiums weren't offered until 2006
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http://www.adviceguide.org.uk/england/housing_e/housing_renting_a_home_e/renting_from_a_private_landlord.htm http://england.shelter.org.uk/get_advice/private_renting These may be of some help
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DEMAND a copy of your signed agreement before discussing anything further with him, if he can't provide it, if I were in your position I would let him take it to court. He would have to prove his claim to the judge and if he can't produce the agreement then how can he prove his claim? Was an inspection done when your daughter moved in?
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Hi Belaflat, I can't see anywhere in your thread about whether your daughter had a tenancy agreement, although you say that the landlord claims that all his demands are contractual. Does she have one? You, as guarantor should have seen the agreement so that you were aware of what you were guaranteeing. My son had a nightmare with a demanding landlady who tried to keep a large sum from his deposit. Fortunately it was protected and we had to put in a dispute which ended in her being granted a very small sum. Has he provided receipts for all the work that has been done to justify the amount he is claiming?
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What company is it with?
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Arrow Global/Wilkin Chapman/MBNA- claimform
Dotty50 replied to esk_rod's topic in Financial Legal Issues
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Hello blueda, let's hope so! Good to hear from you.
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Goodness, another year on and still not heard from these and it is showing satisfied and nil balance on Noddle!
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The last I heard on my Halifax was from Nelson Guest in Oct 2010. It hasn't been on my Noddle file for some time but I never check Equifax or Experien so can't refer to those two. Double check your closed accounts because the OC will close them but the new owners will re-register it. A couple of mine have and I only recognised them from the balance quoted. I believe that if a default is registered incorrectly, you can try and get it removed/amended. It's naughty that they do this because of it extending the time it stays on your file! Personally, I am more interested in getting to SB and will worry about any delayed defaults being registered after that.
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Definitely get andyorch to check it out before you submit it.
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It's a pity you ended up having to pay such a high percentage and it was widely read on here in the past about creditors not keeping their word after agreeing a settlement! But if it was agreed in court, then surely your solicitor should have sorted it by now? I still believe they can be beaten and am still fighting on with mine, some will become statute barred this year so some of the DCA's get a bit heavier but with the right help it can be done. All the best
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Any update on this Meebroke?
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http://www.consumeractiongroup.co.uk/forum/showthread.php?387485-Letter-to-solicitors-threatening-legal-action-in-default-of-agreement-request-(update-21.04.2014) This link is in post 17 Hollyhocks
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Don't mention anything to them about possible incorrect paperwork, this can be questioned later if necessary but you are right I think they can just re-issue a DN but I think it would have to come from the OC. You need to delay everything as much as possible when responding, don't rush anything. The longer you take, the nearer you get to SB!
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There's not a lot you can do until Marlin get in touch. They took on my old Egg CC but not heard from them for a long time and it's gone off Noddle but it was only a smallish balance.
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Thanks for confirming that Ford.
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They can't argue with those but just make sure little things like dental costs, prescriptions and lots of other small things that you don't always think of! I pay 3 mobiles (mine, hubby's and son) I wonder what they would make of that?
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I don't see how they can get an AOE if you're self employed. At the end of the day, only the court will decide what you can afford based on your income and expenditure, so that's also something you can be prepared for, if you are asked to prove this.
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https://www.google.co.uk/url?sa=t&rct=j&q=&esrc=s&source=web&cd=1&cad=rja&uact=8&ved=0CCMQFjAA&url=http%3A%2F%2Fwww.cabotcm.com%2Fmedia%2F2014%2F02%2F10%2Fcabot-credit-management-acquires-marlin-financial-group&ei=9_bcVNymOOWr7Ab3v4HAAw&usg=AFQjCNEtFdasFVl3YwRNpw_TYdqudzoT-g&sig2=OHcqzwIRd70pbGb4_yG5gA&bvm=bv.85761416,d.ZGU A bit of info here for you. I think I would see what comes next if it was my account, based on the long duration of having no contact previously. They probably have a lot to deal with in view of this so it could take another year before they get around to you again (you never know!)
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Unfortunately they will keep adding interest and fees even after the default notice has been issued, one of mine has gone up by a couple of thousand and it may be on an enforcible CC. Most of us are here because they all got too greedy, increasing rates and making accounts unaffordable and then not offering help when they were approached! As far as avoiding a CCJ is concerned, I can't really advise because I've not been that far down the line with a claim but I guess that's what mediation is for so that you can try and reach an agreement before proceeding. At least they can't get a charging order on your property so that might make them a bit more agreeable to accept a re-payment proposal or partial settlement. Although they could go for an 'attachment of earnings' if you are working, but they have to get the CCJ first! As far as a 'notice of change' letter is concerned, I've not come across one of those and yes Cabot did acquire Marlin last year so maybe the letter just advises you of this. Just google Cabot Marlin and you'll find details.
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But do bear in mind that a defence will need to be submitted, if that is your intention Craig. I think you have until 6th March to do this so I would prepare it so that you can get advice/opinions in advance. If they do produce some paperwork, then it can be reviewed and amended accordingly depending on whether there are any arguments about enforceability, if they don't produce anything, you can ask Cabots for an extension but you must get their written confirmation to pass to the court. There is a maximum number of days that it can be extended but I can't remember how many but I am sure someone can let you know. It's typical of these solicitors issuing claims without having their paperwork in order! They rely on peoples ignorance and end up getting a judgement by default. You may think this is a bit far ahead but I think it's best so that you don't have a last minute panic to get it done!
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My surgery is part of the scheme and it is really good, you can order your repeat prescriptions and book an appointment. They have also gone on to an electronic system whereby you complete a form telling them which chemist you use and instead of having to collect your prescription from the docs, they send it electronically to the chemist and you simply go to collect your medication. I tried it last week for the first time and it worked perfectly.
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In view of the claim being issued, you really need to get your file in order so that you can answer any questions put to you on here. When did you stop paying this Craig? Was it assigned/bought by anyone else and did you have a notice of assignment? Was a default notice issued, if so, who issued it and was it compliant with dates etc?
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A letter before action. (I see what you mean about the link, it goes to an old thread of Bankfodders which is more about info for you to make a claim) We all get 'threat' letters saying, action MAY/COULD be taken or the account will be referred to a legal dept to consider further action. However a LBA is a requirement under pre-action protocol and should be sent prior to a claim being issued which clearly tells you that claimant means business and you are in no doubt as to their next move.
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Did you get a LBA Craig?
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