Yes same address then and now

Yes it's from early 2000s sometime. Payment is directly to mint.

Hi guys It's been a while but need to call upon your expert advice once again. Made redundant in 2012 and unable to pay a number of creditors, offered £1 payments to all. The only payment still active is to mint credit card with a small balance just over 2k. For the last year wescot credit been chasing me for payment, I have never acknowledged them and continued to pay mint the £1 . Now Cabot have wrote saying they own my account and payments need to be transferred to them. They say they are happy to continue accepting £1 but have slipped in that if I pay £5 I can reduce the time it will take to pay it off, ha really, I wasn't aware of that. As I have never acknowledged wescot or Cabot about this, I suspect they are awaiting my call before they bombard me with the usual threats. Debt has never been on credit file. From previous experience I have learned, I will not be contacting or transferring any payments to any DCA. What my question is though, shall I terminate the £1 payment to mint, if they no longer own the debt ?

Yes Andy, court told us claim is discontinued and a letter received from them confirming the trial has been vacated. And I don't intend claiming costs, so I guess they can whistle for a signature. Ho Ho merry Christmas one and all and good luck to everyone.

Looks like you are right Andy After we emailed them back it took them a week to reply And they still haven't attached any documents. But they did say the consent order is for both parties to agree to pay there own costs. Do I have to do this or can I safely ignore them as they have done to us for 6 months.

Thanks for the replies guys. That's the problem Andy, looks like they have forgotten to attach it to the email. So I can't see what it says. Should we email them back to tell them they didn't attach the order or just leave it. Cheers

Hi all Sorry to trouble you again The other half has had an email from pra which reads.. Please find attached a copy of our 17th November discontinuance and consent order. We invite you to read and consider the contents of the draft consent order and then please sign and return the draft order to us by 13th December. Upon receipt of the draft order we will forward it to the court. Can anybody please tell me what they are on about, what consent order? And should I be signing anything and returning to them. The funny thing is they haven't attached anything to the email for me to sign. Thanks

just made another donation to help you guys continue with the excellent work you do for everyone. thanks again

Thanks all, couldn't have done it without your expert guidance. Andy with regards to claiming costs, I think I will let sleeping dogs lye, so to speak. More than happy with the discontinuance.

Omg guys, don't know what to say Mrs just made the call to the courts and guess what........ The claim has been discontinued Thank you all so very much, another donation will be on its way later on, Over the moon to say the least. Thanks again Chris & Mrs chis

Should I be informing the court I am unable to meet the judges directions deadline tomorrow, as the claimant has failed to comply with serving me with their disclosure. Feel like I should be doing something, not just letting the deadline pass. Thanks

Thanks Andy Email sent early today, no reply as of yet.

Hi Still not received anything from them, 3 days left before deadline for inspection of documents. What to do Cheers

Thank you

After a quick call to the courts it appears that the claimant has responded to the disclosure.....but Only to the court, not to us. The court wasn't really interested and said it's probably on its way to you. The 24th November is the deadline to apply for inspection of documents, how is this possible if I don't know what documents there is. Thank you

Hi guys So today was the deadline set by the court for disclosure, and guess what... Nowt, absolutely nothing through my letterbox from them.

Thank you , don't know what else there is to rely on if I'm being honest

Please can you tell me if my list of disclosure is OK to send as it needs to be with them by the 17th, then I can work on the ws as it's not due until end of December. Thanks

Thanks for the reply Andy, even though it wasn't what I wanted to read. Most of that was taken from the cheddar case which you described to isbo as an excellent example of standard disclosure and witness statement, so now I'm even more confused with all the different answers people seem to get for the same problems.

hi guys had a go at disclosure and ws if you be so kind to give it the once over please disclosure 1 copy of section 77 request (exhibit 1a) 2 reply to section 77 request (exhibits 1b 1c 1d) 3 copy of cpr31.14 request ( exhibit 2a) 4 cpr 31.14 received by signature ( exhibit 2b) WITNESS STATEMENT In the ............ county court Claim Number ....... Between: PRA group (uk) claimant and Mrs chis1230 defendant Witness statement of Mrs chis1230 of xxxxxx (address) I Mrs chis1230 the defendant in this claim make the following statement believing it to be true will state as follows:- 1. It is admitted that I have entered into a contract with Lloyds in the past. I do not recall the exact details of this contract or know of any outstanding balance. 2. I requested that the claimant produce precise details of this agreement by way of a section 77 request sent on 5th July 2016.(exhibit 1a) The only reply i have received states the claimant has requested the required information (exhibit 1b) and that PRA group will classify the debt as unenforceable if the information is not supplied to me within 12 working days ( exhibit 1c) along with a returned postal order fee for £1.(exhibit 1d). 3. I requested that the Claimant prove the exact details of this contract by way of a CPR 31.14 request sent on the 03/08/2016 (exhibit 2a) and shown as signed for on 05/08/2016 (exhibit 2b). To this date no documentation in reply to this request has been provided by the claimant. 4. The claimant has failed to provide any evidence of assignment/balance/breach as requested by CPR 31.14 and the Claimant is put to strict proof to: (a) show how the Defendant has entered into a contract and (b) show how the Claimant has reached the amount claimed for; and © show how the Claimant has the legal right, either under statute or equity to issue a claim. 5.As per CPR 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 6.On the alternative, as the Claimant alleges to be 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. 7. By reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief. I believe that the facts stated in this Witness Statement are true. Signed ………………. Dated on the day ………………..2016

Whilst looking around for example ws through numerous threads on here last night I came across shamrocker v pra 19 page thread. Wow to say the least. Can anyone tell me why the case became so legally technical and why my case won't get anywhere near that as I am seriously having doubts about proceeding any further after reading that.

THanks Martin so that confirms ws due by 29th December and standard disclosure by 17th November Thanks again

Hi Andy, thanks for reply The directions don't mention a ws, unless that's what lay witness evidence is, if so it's the 29th December, not really sure though. Directions are 8 posts above. Thanks again

Thanks Andy Just a few things.. I have printed the N265 Just to clarify the first 2 pages will be left blank apart from case details Page 3 will include everything I have to disclose, copy of cca request and their reply, copy of cpr request and proof of postage/signatures. Do I send this to the claimant and the court? Do I have to include a ws with this or does that come later? Sorry for the questions but the directions are not easy to grasp for someone who doesn't have a clue

Confused AA99. Subbing ? I understand standard disclosure is done via form n265 or something like that. Where does this form come from as they haven't sent this to me. Once standard disclosure is done I guess then I can request for copies of everything the claimants ave disclosed. Am I correct.