chimp123
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Everything posted by chimp123
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Wow that's all I need to put. Cool on it now thanks
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Cool I'll submit the defence today. Is there a standard statue barred defence template?
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thanks Andy, yes 100 percent. my son is 7 and a half only reason I remember. The debt was even before this and not paid anything to them goodness must be 9 to 10 years
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Hey all agreed a repayment program out of court with amex. All good. Thanks for the help.
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Name of Claimant -Capquest Investments Ltd Date of issue –01/06/2015 Date of issue 01/06/15 I have acknowledge the case online and will defend in full What is the claim for – The claim is for monies owing by defendant on a credit agreement with egg plc. A defualt notice was served and not complied with. by vitue of a sale agreement between egg plc and the claimant who has a genuine commercial interest. The defendant has been notified of the assignment by letter. What is the value of the claim- 4403.62 Has the claimant included section 69 intersection (8%)within the total claim or is it shown separate within the Particulars but not added to the debt- sorry no idea this debt is about 10 years old and isn't on my credit file Is the claim for a current or credit/loan account or mobile phone account- Credit card When did you enter into the original agreement before or after 2007- before 2007 around 2002 to 2003 its really old Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim-It has been assigned to Drydens Were you aware the account had been assigned – did you receive a Notice of Assignment- not to sure i may of been had a few letters from capquest chasing this debt but its really old so its statue barred Did you receive a Default Notice from the original creditor- YES about 9 years ago nothing on file now Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year - NO Why did you cease payments:- 10 years ago Was there a dispute with the original creditor that remains unresolved- no nothing this is so old this debt Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementicon plan- NO received the claim form today, its not on my file and i think should be statue barred over 6 years! What do I do next? I have acknowledged i intend to defend the claim in full. any help would be great thanks
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I've emailed Brachers llp and im going to call them today. See what I can do in terms of paying them monthly. I've mentioned where to send a Sar as well?! Hoping they accept an offer of payments monthly so I don't get a ccj
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Any ideas on what to send out or fill to the courts to prove they have a signed agreement? Also no defaults? Is that normal for charge cards?
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Prob right to be honest but I haven't seen a signed agreement from Anyone? Hoping they don't have one or not sure how I can not get a ccj and pay monthly for the debt?
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[ATTACH=CONFIG]56799[/ATTACH] better view i think
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Upload court form reason. Anyone have any ideas on how to reply in my defence. I have done nothing so far as its a charge card not sure what to do? Eg send a Sar first to the solicitor? Apply for the acknowledge of claim form online to 28days. Any help would be great and templates
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[ATTACH=CONFIG]56797[/ATTACH]
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i did sign the agreement but it didnt state i was responsible for it. Basically I dont want to get a ccj. I have never received a default notice or is one on my credit file for it. I havent been sent anything to prove I signed for the card but I havent asked either. What should I do in terms of not getting the ccj? Do i ask for the charge card agreement eg a sar because its a corporate card. Do I contest the claim in court? Just wondering what people recommend?
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100% agree and I never signed anything to say it was for company use only. Serious! They did mentioned it to everyone before I left because I believe this has happened to a lot of people there. I know cag is to help people with debt and fight off debt that has long gone. It has helped me massively in the past 10 years ago and I won my case. This whole debt is my fault for using it on things for me. Stupid totally. But because I never signed anything to say I'm responbily or its for business use only im hoping I have ground to fight the case. Maybe not but worth a try? Any help on next steps would be great I know nothing about charge card law.
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Items purchased for myself. The point im making is I never signed anything to say I'm responsible it was a company charge card....??? Yes I was irresponsible for using it I have never denied that. Didn't want to cause a forum war?! Confused by this site now because every post ive read isn't it about people trying to wriggle out of money they have spent on credit cards. How is this different?
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Hello the company is worth billions and still making billions! Sky! Anyway you are right doesn't make it right. Should of been clear it's not a legitimate bill because it was a charge card that they supplied me and they were responsible for. I never signed anything to say I am responsible or yes correct I would have to pay the money. I have today recieved Northampton county court business centre. I've not recieved a default notice but do I on a charge card? The reasons for claiming are poor? Which I will post up so. I haven't replied to Brachers llp or done anything yet. Any help would greatly be appreciated on what to do next or how to reply? Thanks
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sorry not sure what you mean? If you mean the letter. It says please pay by 4th March or our clients have asked us to take legal action. It could be just a threat letter? Never dealt with Brachers LLP before. If it was Lowell I wouldn't care less but these seem a little more professional?
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hello it is a very fair question and if it wasn't a massive organisation I would pay the money back. The company has never asked for the money back just Amex. Because it was a corporate card my thinking is the company have to pay it. They are worth billions so 2k to them is nothing. Does it make it right what I have done. No of course it doesn't.
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Got another letter today. Pretty much demanding payment by 4pm on 4th March or legal proceeding will begin. Anyone dealt with brachers llp in the past? Can't find much on them in terms of cases? Should I sit tight or request proof of anything? Thanks
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Hi don't worry about Lowell ive had problems with them. They never do anything! Letter comes in the post pop it in the bin! They chase me for debts from 9 years ago that are statue barred. Just chances trying to make some money.
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thanks I'll let it run for now.
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Got another letter today saying they haven't heard from me and that if I am unable to settle account they maybe willing to set up a short settlement or instalments? Should I ignore seems desperate saying settlement already or they just trying to get my to reply?
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Do you think I should ask for a cca? Or a Sar? Or should I sit tight for now? Not sure what to do a little worried now
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sorry thanks for that not sure where best to post it. Any help anyone has would be great
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Hi all I have today received a letter from Ashmore credit solutions on behalf of American Expressicon for collection of money owed. At the moment its the first letter I have received and they have been calling me once everyday. They are stating failure to respond may lead to legal proceedings. I have received debt letters before from the like of lowell chasing things from years ago and I just ignore them as I know they won't do anything and the debt with them is statue barred. But this letter from Ashmore seems very profession and different to others. I owed around £3000 on a charge card I can with an old company. The card had my name and the companys on so I thought they were liable but I am prob wrong and its my that is. My questions is what should I do next? Should I ignore Ashmore's? Anyone dealt with them before? Should I reply? At present I don't have a default or anything for this debt as it was a charge card. I don't want it getting to court and getting a ccj because I am just getting clear of debt. But because it a charge card I am unsure if this will effect my credit or will ashmore credit solutions take it further. Any help would be appreciated. Thanks all
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Hi all I have today received a letter from Ashmore credit solutions on behalf of American Express for collection of money owed. At the moment its the first letter I have received and they have been calling me once everyday. They are stating failure to respond may lead to legal proceedings. I have received debt letters before from the like of lowell chasing things from years ago and I just ignore them as I know they won't do anything and the debt with them is statue barred. But this letter from Ashmore seems very profession and different to others. I owed around £3000 on a charge card I can with an old company. The card had my name and the companys on so I thought they were liable but I am prob wrong and its my that is. My questions is what should I do next? Should I ignore Ashmore's? Anyone dealt with them before? Should I reply? At present I don't have a default or anything for this debt as it was a charge card. I don't want it getting to court and getting a ccj because I am just getting clear of debt. But because it a charge card I am unsure if this will effect my credit or will ashmore credit solutions take it further. Any help would be appreciated. Thanks all
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