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thescorpion

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About thescorpion

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  1. Can anyone confirm if Mercantile Credit Co Ltd v Ellis is case law/legal precedent? If it is a legal precedent, I don't understand why the judge has said that each case is on its own merits. I also don't understand why NatWest didn't show up at the hearing. Where is the case being heard?
  2. UPDATE: They have removed the default on my credit file and paid me compensation. Thank you all again.
  3. Hello, I've just sent another message about this matter and have only just noticed your posting. The answer to your question is No. It just says judgement in the sum of £...., plus costs. I was not ordered to pay this sum by a particular date nor was I asked to pay in instalments. I have been told that I should report them to the Office of Fair Trading as they applied to have a charging order before they applied for an instalment order.
  4. Hello Trumpetmaest I am now going to get apply to have a charging order removed and was interested in your case with Link. May I know the date of the hearing of your case, the names of the parties, and was it in Cardiff County Court? I have never had an order to pay either a lump sum by any date or instalments. Would appreciate your urgent response. Thank you.
  5. Thank you Mrs Blackadder, but I think it's my fault for not setting out my question very clearly. I will try to do it again. 1. I had a loan with a bank which, unbeknown to me, sold it to another company. 2. This new company issued a claim against me in the Northampton Bulk Centre to which I replied with a Defence. 3. It eventually went before a Deputy District Judge who gave them judgment against me, but the Order only says that Judgement is given in the sum of £..... 4. They then issued an Interim Charging Order following by an application for a Full Charging Order. The judge
  6. SEQUENCI ... You haven't replied to my last posting and wonder if it is an unusual situation and you don't have an answer to it. Look forward to hearing from you.
  7. Thank you for your reply. The Order of 2007 does not say 'forthwith' nor does it ask that I make payments. It just says that judgement in the sum of £ , plus costs of £ Look forward to hearing from you.
  8. I know this might be a late posting but I wonder if anyone out there can tell me if a charging order can be asked for if the original order does not specify that I have to pay the amount they say is due 'forthwith' or within a specified time, i.e. 14 or 21 or 28 days, or in instalments of a specified amount? This order was made in 2007 and after appeals etc., only three weeks ago I received a printed form from the creditors asking me to complete my income and expenditure, and this is the first time I have heard of Mercantile Credit co ltd v Ellis. Surely I should have been in default of an
  9. Thank you all for your good wishes and for the invaluable information and guidance obtained from visiting this site. I went along today with what I believe was a good statement which asked for evidence of method of postage of the DN and its composition, as well as a telephone transcript of a call they said I had with "an associate". I also asked for a copy of the Card Agreement, which I have never received nor signed. The Deputy District Judge asked them if they had the Agreement with them and they said no. He then urged me to accept their proposal as part of my claim was in relatio
  10. I was just being cautious as the hearing is due and they might be reading this forum and I did read somewhere that I shouldn't post such details as some company reads this forum. I would definitely upload the DN if I knew how to but first I would, as advised on this forum, have to remove any personal details, and then work out how to upload. I now have limited time in which to put together a statement. What you told me about the judge nodding his head in agreement at the method of postage is very useful because I believe that this is pivotal to the issuance of any serious document, which a
  11. Hello, mydogsawestie, may I know why you asked this question? And does it make any difference? Thank you.
  12. Thank you for this very helpful reply. I have looked at the copy DN sent recently and it does not contain their registered address. It does mention the name of the credit card company at the top and its operating address, but I know their registered office is somewhere else. It starts off my telling me that I am in breach of my (name of company) Credit Card Agreement by going over my credit limit as described in clause 4 of the agreement. I deny being over the limit and therefore I am not in breach of the agreement. I'll try and post the DN. Thank you again.
  13. Thank you supasnooper. Could you please explain what you mean about putting them to strict proof as to the composition of the DN? Do you mean the one they allege was sent last year or the copy they recently sent? I think the Court will ask me this question. Thank you.
  14. Haggis1984 - thank you for pointing me in the right direction re navigating the site. Very helpful. Further to my previous postings, is there anyone out there who lives in or around London who would be able to come with me to the hearing on Wednesday for moral support. thescorpion
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