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victoria_siempre last won the day on December 14 2011

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  1. Hi again AA99 dx has answered your substantive questions. Also have a look at www.youtube.com/watch?v=ZZyb4HYC5A8 for an idea of procedure. My advice is to keep it simple. it is for them to prove, not you to disprove. Your points: 1. You have to choose whether to swear on the bible - decide in advance... 3 and 4. Do stress CPR, they are the system's own procedural rules; however, I was asked if I wanted an adjournment because of their flagrant breaches - I chose not to. 2 and 8. Take copies of everything - assume nothing. 5. Lack of proof
  2. Hi AA99 Take a look at https://www.judiciary.uk/you-and-the-judiciary/going-to-court/advice-for-lips/ Best wishes Vic xxx
  3. Hi FF I go back to context. I was not in a position to pay. If you are then it is a simple negotiation of T &C. You will only get a CCJ if you refuse to make a reasonable offer based on bandits excluding slave interest rates plus chrages. If you are not I can see little point in paying anything to anybody. xxx v
  4. Hi FF Context is everything. We used to say that we do not condone debt avoidance. After Sir Fred the shed kept his 100mill our message became nuanced. With regard to wish to F &F, I return to my point that everything, short of full blood and guts, stays with you for six years. I started with 55k ish and lost my job in the great crash; and my only regret is that I did a 1k F&F with MK.. (which I admit dx advised against); the rest is history, ... you pays your money, you takes your choice. xxx v
  5. Hi FF Whatever you do will affect your credit raitng for at least six years; how you do it might affect it for ever. Should you think that reduced payments and a freeze on interest of 25%+ and charges might enable you satisfy their bloodlust, then it might be a rational course of interest But beware of the snare. xxx v
  6. Hi dx I hate to dissent with an old soldier yet sometimes babes bring forth wisdom. BARCLAYS for Other Searched on 29 June 2018 is a ClearScore entry prior to it dropping of as a credit entry; they refused to enter a true default date, claiming that so long a s I admitted £1 per month, the account was active. Both National Debt Line and yourself implied that a token £1 payment had about the same value as Woodey Allen's 'don't knock the Bishop, it's sex with someone I love'. xxx vic
  7. Hi I am merely offering my experience. There is no single right answer in what is a shifting game. I started with National debt line charity who were supportive and helpful. I found that token payments of £1 were useful as an indication of good intent but extremely unhelpful because your credit file will continue for 6 years beyond your last £1. Even those who accepted the token (and about half of the bandits did not) quickly sold the debt on. So, my advice is to cease the £1 tokens at the point at which it is sold/assigned on or if they fail to enter a truthful default date on the cre
  8. Hi guys I have not heard a dicky-bird from Cabot since. Notwithstanding the barrack room theology of how many data controllers may dance with data processors on the point of a needle, the tactical request has achieved its purpose in that the account is now unambiguously statute barred. Should I hear from Cabot again, I shall instigate a small claim for the principled enjoyment of it. On the Egg matter, Robbers Way have also maintained radio silence, and their's is unambiguously statute barred in any case. So, after many long years of harrassment (about eight I think), I
  9. Thanks Andy They are on the bounce with a reply this am: " Set-up a payment plan Calculate your budget Make us an offer Update your personal details Make a payment Chat wi
  10. " At times, for the purpose of debt collection, we will need to share your personal data with other companies: ... Whenever we engage with a third party we ensure that the third party has a similar level of safeguards and controls in place before sharing your personal data with them." QED
  11. Hi guys These recent experiences may be helpful. I submitted an email GDPR SAR request to Cabot based on CAG guidence regarding a threat with menace that is statute barred. I received an automated email the next day requesting name, rank, number, D.O.B. etc within two months (I kid you not). Two weeks later I receive a template postal reponse relying on Article 6 of the Regulation and a lawful base for processing personal data. Helpfully, Cabot confirmed that they were now the Data Controller and that they had received my SAR request (which is now some 28 days ago). Whilst my balls a
  12. Hi Betty I really should not worry; I had a very similar experience with MKDP around three years ago and have heard nothing from them since. Love Vic
  13. Hi Lord A tiny point but, 'there bundle' should read 'their bundle'. Good luck. Vic x
  14. Hi guys This is merely to inform the variety of Arrow's possible behaviour. I haven't posted in a while but all is well and most bandits have dropped off credit files. I have a current Court claim from Arrow Global pimped by Shoosmiths for a 3k MBNA card. Arrow have not responded to the standard CCA request (nor returned my £1) but Shoes have replied to the standard CPR that they are requesting standard POC documents (CCA, DN, NoAssignment) from their client (Arrow Global) and advising that failure to submit a defence by deadline may result in default CCJ.
  15. Hi global My stuff is in my thread, but the following is also informative: x v
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