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nohope

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About nohope

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  1. Yes sent both off but only had a reply from solicitors. And no, I've not managed to read up on anything yet, between work and my daughter having a major operation on her back I've had no time at all to do anything lately.
  2. M C solictors have written back saying they agree to the 28 day extension, do i just write to the court and say they have agreed to it or do i add a copy of the letter in with it to prove they have said yes? also, they are asking what documents i need, do i just say everything they have on record as i have nothing here.
  3. Everything has been sent off to them. Is it now just a case of waiting until they get back to me?
  4. I'm getting there slowly, and i mean slowly. This is all way over my head. What am i meant to keep or delete where it says delete if not mentioned in the Particulars of claim. Is it point 2 to 6 and just leave 1 the agreement there?
  5. Worked it out. Yet again, right in front of me all the time lol
  6. I'm on mcol, which option to i choose to start it off. Is it AOS?
  7. Going to do that as well while i'm doing the cpr. Just reading through it and working out what needs deleting.
  8. My bad, Couldn't see for looking. Sorted that, do i use the claim number on the court claim as the reff number as its all i have from them?
  9. I'm getting lost even more now. On the template for the CCA its got parts that say delete as appropriate? what do i keep and what do i delete?
  10. What is the CPR and is there a template, just doing the CCA request.
  11. Found it Date of default 31/08/2011 Default balance £ 515 how has it jumped up to over 600 when the default is 515?
  12. There is no summary option that i can find. I'm using noddle. Can i still claim back unfare charges from vanquis at this late stage, was thinking that will stop everything for now and get the amount down?
  13. Is this what i need to find? Cabot Financial (Europe) LTD £ 613 31/05/2015 Default
  14. not moved and will sign up for credit file in a mo. What am i looking for on my credit file?
  15. Received a claim form this morning from cabot. Last thing we need at the moment as we are struggling as it is. I have put all details below. Can i still go for unfare charges from vanquis as we had never done this? Please any help and some nice easy step by step help as i'm not to good with this sort of thing. Name of the Claimant ? cabot financial Date of issue – . 02-07-2015 What is the claim for – by an agreement between vanquis and the defendant on or around 11/08/2010 vanq agreed to issue the defendant with a credit card. The defendant failed to make the minimum payments due & the agreement was terminated. The agreement was assigned to the claiment, the claiment therefore claims £613 What is the value of the claim? 613+court fee/solicitor's costs £743 total Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? credit card When did you enter into the original agreement before or after 2007? 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. cabot Were you aware the account had been assigned – did you receive a Notice of Assignment? no Did you receive a Default Notice from the original creditor? yes Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? no Why did you cease payments? out of work What was the date of your last payment? unknown Was there a dispute with the original creditor that remains unresolved? no Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? no, hid head in sand!!
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