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MrJohnW

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  1. Yet another PAP letter for the same account today. This makes 5. Any way of stopping them?
  2. Hi, Helping my freind again and Lowell have sent her what appears to be a Pre-Action protocol(although worded differently from previous ones) for two separate accounts(payday loan and catalogue) in 1 letter. Can you address two accounts in one like this? Anything different needs to be done from the normal PAP?
  3. I e-mailed them, which they ignored so I wrote a letter for her. They issued another pre-action protocol and then sent her a letter saying they considered her letter a response to their pre-action protocol and how it was her responsibility to inform them of address changes. She never moved. I guess I will write them one back outlining that she never moved, and they failed to comply to thd origin live-action protocol and she considers the matter closed unless anyone has any suggestions?
  4. I seem to recall there is a time frame for them to provide documents after they start the 30 days before action and you send the CCA after which they can't chase. Was it 45 days?
  5. It was defended with help from you guys, it was a loss. It was a DCA for a Payday loan company that had folded.
  6. Sure, I will send them a strongly worded letter in her name. They responded to her at the correct address, and are well past the time frame to provide documents. I was advised to send CPR and CCA from here a while back in response to 30 day letters, has it changed? Its the same debt they tried and failed to chase in April.
  7. Hi, Whats the deal with a CCJ over time? The lady I have been helping had one granted against her for £1 a month. It will take well over 10 years for her to pay off at that rate. Is there a point in time where if she stops paying it can't be enforced? Might be a lump sum of that amount could be offered to the DCA involved in settlement rather than them messing about with a £1 check every month.
  8. Hello, the lady I have been helping out has a new issue, and I am hoping someone here can advise. Had the standard 30 days letter from them in April. Sent off the CCA/CPR and what not. Had letters back saying they were looking for documents then that "it was on hold" two months laters. This weekend she received a phone call from a relative she lived with 9 years ago. It was some debt letters. It was the same company and same debt as before but they are re-issuing the 30 days notice before action to this very old address. She did not give them that address, that debt was never registered at that address. Suggestions please? Seems like they are trying to sneak a CCJ in, I have successfully seen off multiple old accounts that have been sold to Lowell for her.
  9. She was unable to attend and I wrote letter to the judge explaining why(series mental health issues). The court said that they would not grant any applications from a lay person to speak on her behalf. The judgment has no Judges name on it. How can we get this overturned?
  10. A letter today from the court. it says the following - _____ It is adjudged that the claimant recover against the Defendant the sum of £XXX.XX for debt and interest to debt of judgement and £XXX.XX for costs amounting together to the sum of £XXX.XX. It is ordered that the Defendant pay the Claimant the sum of £XXX.XX forthwith. _____ Nothing else. No other details, no Judges name, nothing. This was supposed to be a preliminary hearing. What the heck has gone on? This is obviously nonsense, she has not had the chance to submit a proper defence. Help!
  11. Any thoughts on the Mackenzie Friend with rights of audience issue? Her Boyfriend could stand in her place and answer any questions the Judge may have, I have had a look round the internet but I can't see a clear way of applying for one.
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