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John_DebtFree

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About John_DebtFree

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  1. Thank you all for your help so far. On friday, I received a letter from the court inviting me to phone and book a mediation session. They are very busy and I have a date on the 20th. Im reading up on this but not sure what to expect. I am still in the dark on this, my cpr 31.14 is almost 4 months old - should I follow this up or do a request for information under the dpa?
  2. You are right, mine has arrived today. They were very quick off the mark with theirs!
  3. Hello and thank you all for your help so far. As andyorch said, I have received a copy of a Directions Questionnaire completed by someone at BW Legal. I have read other similar cases on here and I think that the court will be request that I complete a similar form soon.
  4. I have now received a letter which states that the are intending to proceed with this claim and that they have informed the court of their intentions. Do I sit tight and wait now or should I be pushing for them to fulfil my request for more details?
  5. Thank you, that is my evening planned now! Sorry if I sound like I dont know what I am talking about, but I really dont! I am using the free service from noddle.co.uk and it reports as below. Oddly, there appears to be no history on the accounts prior to the defaults, hwereas other accounts I have show history from before I started having trouble.
  6. Thanks for the advice. I am unsure if I should let it lie, but I am keen to try and get things in order. Could the SAR go to Arrow or Egg (wherever they are these days)? I dont think that I paid PPI if that would influence the decision in any way.
  7. overdraft: Account opened: July 1997 Last payment: September 2010 Current balance: £2000 Status: Gone away credit card: Account opened: July 1997 Last payment: August 2010 Date defaulted: Feb 2011 Current balance: £6000 I have an overdraft and crdit card with HSBC, it was a young savers account and converted to student account and then joint account over the years. I think that opening date of 97 was the student account but Im pretty sure the same account number existed since the 80's. I lost my job and used the overdraft to make a mortgage payment, my credit ca
  8. Can anyone please advise regarding an Egg loan. Account opened: December 2005 Last payment: August 2010 Date defaulted: May 2011 Original amount: £9000 Current balance: £3500 I recall that the application was done on-line, but they also sent me paperwork to sign before the monies were paid into my bank account. I lost my job about 5 years ago and I did send a CCA request and when they sent my fob off letters, I used the template letters to put the account into dispute. Since then I have received an annual balance statement but hey haven't actively pursued
  9. I am very surprised that my CPR request have been basically ignored. I suppose it is all about profit! All done, just have to wait now. Many thanks to everyone especially andyorch and Ganymede.
  10. The court papers read as follows, I think its fairly standard: I was planning to send this as my defence: I really appreciate all of the help and as promised I will donate a small amount towards the site today.
  11. Hello Ganymede, thanks for the reply it is very appreciated. I sent a CPR31.14 reuest and an SAR request with a cheque for £10 (not cashed), they signed for it over 2 weeks ago and I have heard nothing. I have started reading up on similar cases and looking at a holding defence which I plan to do online tomorrow as I feel they have had enough time and I dont wish to risk them getting default judgement.
  12. Sorry if I am inpatient but if anyone can please advise it would mean a lot. I promise that I will make a donation to the site next friday.
  13. I have received court papers from Northampton county court bulk centre. The claimant being lowell for an old catalogue debt, although im not sure. Account opened: July 2007 Last payment: August 2010 Date defaulted: Feb 2010 & July 2010 ? Original amount: £650 With costs and interest, the total is now over a thousand! Papers were issued on 27th Jan so I have acknowledged with the court and asked for an extra 14 days. I have used the template letters to ask for more information under a cpr 31.14 request, i think that this is correct from reading other threads. My ma
  14. I have received court papers from Northampton county court bulk centre. The claimant being lowell for an old catalogue debt. Account opened: July 2007 Last payment: August 2010 Date defaulted: Feb 2010 & July 2010 ? Original amount: £650 With costs and interest, the total is now over a thousand! Papers were issued on 27th Jan so I have acknowledged with the court and asked for an extra 14 days. I have used the template letters to ask for more information under a cpr 31.14 request. My main worry is that the information wont come back quickly enough to build a defen
  15. andyorch, I did speak with an adviser at citizens advice. He advised me that as I am self employed with variable income but fixed outgoings that an N245 was not correct for me. I have been busy in December but relatively quiet up until Easter and I have put some money aside to keep the house running as I should but I think that I may have difficulties because of this. I was hoping to make them an offer but I think that it has gone too far now?
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