Date is 27th October and no she doesn't agree as they owe her at least 20 hours of overtime. In August she worked 2 weeks doing between 2 and 3 hours extra a day.

I'll get this sorted as I've done this before. If possible can anyone help with a defence later on. Cheers

She hasn't said as much the issue I have is they haven't sent an official lba. Also she can't work out how much overtime they owe her.

20231101_183227~2.pdf

My partner left her job for various reasons. Most of it was bad, non payment of overtime, stress, manager was overbearing etc. The company has applied for a ccj for overpayment of holidays. Now the issue is my partner hasn't received a letter before action or official notice that they will be going for a ccj. She has received an email saying are you going to repay it if not we are taking you to court. How can we deal with this.

Thanks for clarifying that dx. I'll ignore them for the time being and hopefully they will stop harassing me for payment.

Received a letter from PRAC solicitors advising that they want to discuss the case and if I didn't retract my defence they would take it further. They are now stating that they will proceed to remove the stay and go ahead as they have enough information to win the case and apply all charges against me. The main reason that they are stating this is that there is a late fee for 12.00 on the account and then a payment of 12.00 the following year. I have never made a payment as j have checked my account statements. This will be going statute barred in december this year that's why I think they are pushing it.

Marriage separation at this stage will cost a fortune via solicitors and court actions. Both parties have equal rights to the property and neither can remove access from the property unless police are involved and there has been cases of abuse against either party. Since the resident child is over 18 I'm not too sure if you can stop the sale of the house if he insists. This would need to be clarified with a solicitor. I do know that when my ex left our joint property it enabled me to start the sale of our house as she no longer needed a place to look after our children.

He is entitled to 50% of the profit if the house is sold so why not offer him that to buy him out.

I had a claim last year from PRAC they didn't proceed with the case. I eventually rang the court to be told it was discontinued. Dont worry about it they will not go to court for the amount they are trying to get out of you as they are just fleecers.

Right just rang court today to check on this case and the claimant has filed a notice of discontinuation in October but hasn't informed me about it. I'll chalk this up as a win then.

Hi just noticed you have a claim against you for the same thing I had. Have you contacted Northants to find out anything. I did this and found out that they never replied and the claim was discontinued by the court. Check my thread out.

Wow didn't know that. So I gather they definitely wont be pursuing this any further then. If they have added this on my credit file could I know force them to remove stating that they cant prove it's amy debt.

Just rang Northampton and been told that the claim has been stayed due to no reply from the claimant. It will cost them £100.00 to get this removed. I dont think they will bother for the amount that they are claiming but we will see.

I'm aware they have gone under but they have sold the debt on and are now saying I could make a claim against them for getting a loan under irresponsible lending. Where would I stand on this when it goes to court.

Yeah I filed a defence against BW Legal which bought the debt off ICL. ICL have emailed me to say that due to breaches of lending laws a high court action has forced them to contact all borrowers and assess claims for refunds. IMPORTANT INFORMATION INVITATION TO CLAIM: SCHEME OF ARRANGEMENT IN RELATION TO INSTANT CASH LOANS LIMITED Background We contacted you in July 2019 to tell you about our proposals for a Scheme of Arrangement. The Scheme is a legal process that will allow us to make an arrangement with all our creditors that will mean they should receive more than they would if we went into liquidation. As a former customer, you were entitled to vote on whether or not we should put the Scheme into effect, so we contacted you again in August 2019 to tell you about the voting process. The vote closed on 24th September 2019 and the substantial majority voted in favour of the Scheme. So on 8th October 2019 the High Court made an Order that made the Scheme effective, as of 9thOctober 2019. This means that you now have 6 months from 9th October 2019 to tell us if you want to make a claim. Why you may be eligible You might be a creditor of ICL because you have taken out a short-term loan with ICL or one of the companies which it owns in the past, so it’s important that you understand how to make a claim under the Scheme. We believe that in the past, we may have behaved irresponsibly in lending to some of our customers and if you were one of the customers affected by this, you would be entitled to redress. We’re not pre-judging the outcome of any claim; we’re simply contacting all the customers who may be affected, to explain the next steps. How this could have affected you If we lent to you irresponsibly or your borrowing was unaffordable or unsustainable, it is possible that the interest or other charges you paid were unfair. So if you are concerned about any of the loans we provided, we’re inviting you to submit a claim. What you need to do next You must submit your claim by: 9th April 2020 After this date, we will not be able to accept any new claims. How to make a claim We’ve done our best to make the process as straightforward as possible. The quickest and easiest way for most customers will be to use our online Claims Portal. You can find this at www.themoneyshop.com. If you are unable to use the online portal, you can call our Helpline (see details below), but please be aware that in times of heavy demand, you may need to call us a number of times to get through. To register, you’ll have to give your Customer Reference Number (at the top of this email) and your date of birth. Once you’ve registered, all you have to do is tell us you want to make a claim. We may ask you some simple questions about your financial circumstances when you took out a loan, but we won’t ask you to provide documents and we won’t expect you to remember specific facts and figures. You’ll only need to make one claim, no matter how many loans you took out. After submitting your claim, you may not hear from us for a while. We’ll be assessing all the claims we receive, and we’ll provide updates on our progress on our Website and through the Claims Portal. You don’t need to keep checking - we’ll email you to let you know if we have provided an update. If we agree that we have behaved unfairly or irresponsibly in the way we lent to you, you will be entitled to a payment. We’ll expect to be able to tell customers the amount of their redress claim by April 2020 and there will be an opportunity to have that independently reviewed. Once we know the total amount of claims, we will be able to tell people what percentage of their claim will be paid. This is because the fund has to be shared out proportionately across all customers who are entitled to redress. If you have an outstanding loan, we may reduce your balance instead of making a payment. The payments will be made by the end of 2020.

Ok this is weird. I have had an email from icl to make a claim on any loans that I have taken out due to irresponsible lending and yet the7 have sold it on. What should I do?

I've just double checked dates claim date is the 14th August with the 33 days to post defence would be today? Fingers crossed ..

Damn thought it was due Monday. I've managed to upload it hopefully they will accept it. Stepson was in and out of hospital last week. I'll ring them to see if it's ok.

The Defendant contends that the particulars of claim are vague and generic in nature 1. Paragraph 1 is noted. I have never had an agreement in the past with PRAC Financial and do not recognise the account number referred to by the claimant. 2. Paragraph 2 is noted but not admitted. The claimant would not be aware of any alleged breach or in a position to plead such fact as the defendant did not enter into any agreement with the claimant. The defendant also does not recall receiving a default notice as stated. The claimant is therefore put to strict proof to verify the alleged statement of its particulars. It is therefore denied with regards to the Defendant owing any monies to the Claimant, therefore the Claimant is put to strict proof to: (a) show how the Defendant has entered into an agreement with the Claimant; and (b) show and evidence the nature of breach and service of a default notice/termination notice Pursuant to the CCA1974; (c) show how the Defendant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 4.As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. . 5.On the alternative, if the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. . 6.By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief

Ok got it sorry for sounding dense. Cheers for the help.

Done aos and CPR about to do Cca was just wondering who too..I have 2 transactions which don't relate in account numbers to this. 20190905_145151.pdf

Ok understood andyorch, I'll work on my ws in the meantime and hopefully have something that will help.

Well I have found all my documents yesterday and today I have received a letter with my court date. It's quite a while away but hopefully this is beneficial doc.pdf

Hi dx i copied it word for word from the claim form. Hopefully that will go in my favour