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  1. Im not happy disclosing personal details on here. could someone just advise on the question?
  2. Hello, could someone please offer some advice. I received a ccj claim from the ncbc for a claim from Restons solicitors on behalf of their client capquest. I do not recall the debt what so ever. allegedly a catalogue. so i acknowledged the claim in order to give me time to file a defense. I sent restons a request for documents that they mentioned in the particualrs of the claim under cpr 31.14. first one got lost so sent another, they received this on 18/07/17 I asked that the request was carried out within 7 days. this has now passed also sent a cca request to capquest, to date still nothing received. as they haven't replied to my request where do I stand filing a defense when when i cant even see the documents they intend to rely on, its absurd in my opinion. obviously the clock is ticking as i filed the acknowledgement on 11/07/17. as im new to this any advice would be appreciated
  3. looking at theparticulars of the claim, after 2007. not sure when payments ceased as idont recall the debt dont knowthe last payment as i dont recall the debt
  4. there as certain questions i dont know the answers to as i dont recall the debt. i dont think i missed any which i could answer
  5. Name of the Claimant ? capquest Date of issue – 07/07/17 What is the claim for – 1.The claimant claims payment of the overdue balance due from the defendnat(s) under a contract between the defendant(s) and shop direct. dated on or about **/** 2010 and assigned the claimant on **/06/2013. 2. PARTICULARS a/c no- ******** Date Item Value 06/03/17 Default Balance 1700 Post Refrl Cr NIL What is the value of the claim? 1700 Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? CAT DEBT When did you enter into the original agreement before or after 2007? 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. capquest Were you aware the account had been assigned – did you receive a Notice of Assignment? Did you receive a Default Notice from the original creditor? I havent received any default notices to my knowledge Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? I hevent received any statutory notices Why did you cease payments? What was the date of your last payment? Was there a dispute with the original creditor that remains unresolved? Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan?
  6. ok. would i be better off sending them a request for the documents under CPR 31.14 instead then?
  7. why wouldnt i respond, when some bottom feeding lowlife is sending me letters demanding money? I have nothing to hide. Im not a stupid person and If they think they are above the law which they aren't they will be in for a surprise unless documentation is provided on or before the potential court date. thanks for the info though, its interesting to know you can take anyone to court by blabbing any old crap on a claim form
  8. so what you are saying is the pre action conduct protocol along with part 18 of the practice direction have no meaning or purpose and solicitors dont have to follow them? if they complied with my requests instead of them turning into letter tennis as you so put it, it may have never had to go to court. But i be damned if im accepting some numbers printed on some paper as proof of debt that i do not recollect.
  9. not sure what you mean. i do not acknowledge or remember the debt. which is why i want proof and why i carried out the pre action conduct protocol letters not pointless imo
  10. after some advice please. I am having problems with Restons solicitors who are pursuing an alleged debt that I owe to Cap quest. They ignored any requests for further information stating they didnt have to provide anything and that my letters had no legal meaning. shortly after they then threatened legal action, I then carried out the pre action conduct protocol to which once again they would not provide any documentation that I owed the debt and that my letters had no legal meaning. One of their letters did contain a couple of points, stating OC, Balance, when the debt was transferred etc. But they blatantly refused to provide me with any documents. They have now commenced legal proceedings against me though NCC Bulk center. Im unsure whether to apply to apply to have the claim stayed for non compliance of the pre action protocol, but am unsure if what they have done is sufficient by then simply stating some apparent particulars with no documentation to back it up. or do i defend the claim & carry on with another request for futher information under cpr18 asking for evidential proof once again. any help would be greatly appreciated
  11. so essentially there is no point in my wife making payments too them for a new account if they can and are going to chase me for the full year?
  12. I'm after some advice if possible. in my stupidity I haven't being paying my water charges. about 4 weeks ago I received a letter from the county court for welsh water charges from 2016-2017. My wife immediately opened a new account from 18th Nov and has made a monthly payment. I replied to the court with a part admission for the charges from April 2016 to Nov 16 as my wife had opened an account and was making regular payments, I also supplied the new account number However I have received a response from welsh water that they have denied my claim for part admission. are they allowed to carry on with the courts for the full amount for the financial year, as they will essentially be getting paid twice from 18th Nov for water charges at the property.
  13. just to update this thread they dropped the allegation after we appealed it. even though an officer called around and said to my partner she had been found guilty and could admit guilt to him instead of going to court. She told him, okay we will see you in court. Couple of days later a letter came stating there was insufficient evidence to support the offence and no further action would be taken. I confronted the local benefit fraud team via phone who said "oh sorry we must have made a mistake we shouldn't have called" what an absolute joke. the benefit fraud team are bullies who will try anything. moral of the story if u aint done nothing wrong take no rubbish from these jokers and fight your case
  14. Hi guys, After some advice. Back in march this year, I got my own home insurance, I put my foot down and had all the DLC taken off my items, which bright house didn't like at all by the way. they made it as awkward as possible. Had to be done on a Saturday and had to speak to the insurance company, even though I had the certificate. Today I have received a statement and have noticed the 2 items I had have been refinanced which is ok. But the dates made me suspicious. It states 116 weeks commencing 25/03/13 (which is when the dlc was taken off and they were re financed) The agreements were for 156 weeks. Which works out they are saying I took an agreement approx. 18th June 2012. I know for a fact this is wrong and I took the original agreements out in March 2012. so 3 months have been added on in my eyes and im horrified I cannot find the original agreements. Only thing I have really is card statements where I have paid by debit card. I haven't spoke to them yet. Is this legal what they have done? can I do anything about it? can I have them prosecuted or be compensated? as this is wrong and I am willing to take it all the way any advice would be greatly appreciated before I get on the phone to them tomorrow
  15. to summarise this thrad i tried applying for a another car on finance before contacting blackhorse to return the car & the interest was ridicolous cash price was £7000 & with interest it was over £12000. i am paying no where near that on my current car. so it looks like if you return a car using the half rule you will either get refused or pay stupid interest???
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