oleg
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Everything posted by oleg
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Check claim status at mcol. Unless b w sneeked in at lightening speed, you should still be able to submit up to 4 p.m. Sunday. Look for defences of situations similar to your own : no-paperwork holding-defence. Have your proposed defence checked out before submitting.
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If they can't produce executed [signed] copy of original agreement they can't obtain enforcement in court. Had it been post 2007 they could have got away with a reconstituted version.
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4eva n eva
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Do not request extension. It gives them more time to build a gallows to have you hanged. If they can't produce the CCA and your card agreement is pre-2007 they are almost certainly stuffed. Don't worry about your defence. If they don't produce the goods you will be able to submit a holding defence forcing them to do so. Look at legal successes threads to get an idea. If you still haven't found out what date your card began best ring Capital 1. If you get someone in India who hasn't got a clue ask to be transferred to UK.
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S B clock stops when court claim is issued. Restarts only if / when the pursuers discontinue or case dismissed.
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poc and defence can be typed up.
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What about my second sentence pls? It's important if you want help.
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Who were the claimant and solicitor? Pls post up the particulars of claim and your defence. Verbatim. Without proper history we're left guessing. oh and btw MBNA didn't need to send NoA, as long as purchaser sent one.
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Almost statute Barred, now another DCA
oleg replied to obiter dictum's topic in Debt Collection Agencies
Notice of assignment only sent in Feb. Usual procedure is of course persuasion first, litigation or give up second, so it's early days, even if s b not far off. CWK is remarkably keen not to name orig creditor although those who know Hoist's behaviours shouldn't have too much trouble identifying it anyway. I wouldn't respond to anything from rw at this stage . . . as long as someone is able to keep an eye on mail, just in case they attempt CCJ by default. -
Almost statute Barred, now another DCA
oleg replied to obiter dictum's topic in Debt Collection Agencies
Edit. Duplicate posting. Deleted. -
How terribly distressing for you. In your previous post, you mentioned keeping people in the loop. In this spirit, could you kindly type up the defence you submitted? This could help others in similar position. Thanks
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Could you please type up the sentence which says they will take you to court?
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's ok - no sweat
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If the Hull situation is replicated across the country it means this business got its grubby paws on the keys to nearly 3,500 homes. Whilst the appalling nature of that is self-evident, what I find equally disturbing is that 3,500 people should be so gullible and/or desperate as to hand the keys over. All this for a grossly overpriced bed or kettle? A recent survey concluded that the average British adult has a reading age of 11. I suspect that their financial and rights literacy may be no higher.
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Since it is improbable that action would be taken against you in Germany, and nothing to prevent you visiting UK, I would normally have asked why contact them at all, let them whistle in the wind. However, on this occasion, I would, if I were you, be a little concerned that Marston may visit my friend, possibly threatening to remove goods. Although they don't have your address they could, if they considered it worthwhile, employ a German tracing service. Marston would add a fee for this to the existing bill. If you are keen to contact them, but by email, no harm trying that first. However, I think it will fail to convince them that you're no longer here.
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Definition of "club" - Post 44 Would have helped if you had named your source : you don't want to go quoting American guidelines, do you ?
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Payable immediately my Aunt. Is it a copy of the original agreement [not just application form] , and is it executed [signed] by both parties?
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A debt purchaser is entitled to use whichever company it chooses to collect a debt, whether same group or external. So no reason for Cabot not to use Marlin. They tend to do so for more difficult cases. In fact this was one of the attractions Cabot highlighted when they bought Marlin. And no legal reason not to use Weightman. Either for collection or for litigation. Roger this is someone else's thread. Have you questioned whether *any* of the characters named have the right to your money or are you just serving them obediently? Start your own thread if you would like help.
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I can't read your image but if claimant is Hoist and you were phoned by Robinson Way they are same people. Can you pls type up Particulars of Claim?
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Wescot - Address Verification - British Gas debt
oleg replied to lunarsy's topic in Utilities - Gas, Electricity, Water
It means the computer is programmed to send you the next letter in the chain in 2 weeks. Nearly every Wescot letter warns that this is the last letter before the next one. -
If Lowell sent your "accounts" out to DCAs for collection, any letter informing you this was about to happen would have a statement on the reverse. nb: You can set whether you receive notifications of postings by going to user control panel. Donkey: The "You have received a claim form" instructions do state that amounts quoted should be rounded.
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If it makes you feel any better , I personally came under NINE rounds of mortar fire from Wescot - as well as fending off their assaults on others. At first it can feel intimidating - as is intended - but guess what, no permanent damage was caused. 't all came out in the wash. My last tip for today , since alas I have other things to do now : at this stage of play , I wouldn't be firing off template letters without checking here for appropriacy. You have a specific objective and it would be a shame to blow it off course through a wrong letter. Catch you later.
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Cabot/? Claimform - 2004 Marbles Card 'debt'***Claim Struck Out***
oleg replied to sasher01's topic in Legal Successes
Exactly as letter from Northampton says and as Andy explained above. Meanwhile just watch the sun and moon rise and set in their respective orbits. -
Hello again Don't worry about Wescot. Just ignore their drivel, including letters purporting to come from a solicitor but in reality in-house. They can do nothing unless they have been assigned a debt , rather than just passed it to collect on a commission basis. I seriously question the wisdom of getting into a badminton match with Lloyds. They are not entitled to your medical notes but you did open the access gate. Personally I would ignore just as they will ignore anything inconvenient from you. At the most I would offer to supply a supporting note from a medical professional if the bank are willing first to make a conditional offer of a write-off. But for heaven's sake don't hold your breath. You did say yesterday that things are in hand, including raising the bankruptcy fee, so I thought you were almost sorted. If the fee is likely to be imminent , no need to be responding to any non-priority creditor, except in the highly improbable event of a court claimform arriving.
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Cabot/Weighmans- Claim form Halifax OD 'debt'
oleg replied to fresh_start's topic in Financial Legal Issues
Standard template response. No action on your part required at this stage. The PoC is craftily worded so as not to mention any document other than credit agreement , making this the only thing your 31.14 could realistically elicit. Don't worry : your defence will cover this. And wipe from your mind bankruptcy for such small sums. It isn't going to happen.
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