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SabreSheep last won the day on April 5 2015

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  1. OK this thread is now over. It was resolved at mediation. The biggest weakness in this case was that there were letters produced back from when I was ill and before i knew about CAG where I had admitted the debt. Coupled with RL issues I managed to negotiate a decent deal to end the matter. There are important lessions for anyone here that make things easier. First of all Make sure on all correspondence you explicitly state that "You do not owe any debt to you or your company or clients" This is on most of our templates anyway But I cannot highlight the importance that this holds.
  2. Just to add to this 100k people have now *Joined* the labour party since ChickenCoup This is full membership not £3 jobs Also comparing MPs mandate vs JC's MPs mandates are not personal. People mostly vote for a PARTY in a general election. Many will not know their MPS JC's Mandate is personal JCs mandate is also fresher than those of the MPs This was always going to happen, but the timing is very suspect as are the reasons for doing so. If they had a suitable candidate to challenge then they should do so. What is the point otherwise? Despite everything, I suspect that holding on despite all the pressure, speaks not of arrogance, but instead of Strong leadership in the face of a organized campaign that began on day 1 to get him out. IF MPs own constituencies are telling MPS to back JC then those MPS would be wise to do so. Also look at the sucesses that have happened under JC that often go under reported. Bi-election victories with increased vote share Mayor Elections won A greater % of Labour voters voting remain than Tory and close to the SNP % voting remain as well. Imagine what could of been achieved if the PLP has united around their leader instead of briefing against him, joining in with the Main Stream Medias relentless attacks, and destabalising their own party. Part of the problem is the growth of this "Governing Class" has led to increased detachment from it and the people it is supposed to represent. That is also possibly why remain LOST the referendum. JC was honest in his campaigning, which by Angela Eagles own words was not covered by the MSN and represents the only leader willing to restore the link between the establishment and the general public.
  3. Hey folks, thigns have kept me away Looks like the reply to my defence was mis delivered to the wrong address, only just got this now. In meantime Directions Questionnaire has been completed and filed by both parties, with both sides agreeing to mediation. Thats where it is at. In meantime I now need to pick apart the response to my defence in preparation. A few things that may weaken things, are the letters sent to Barclaycard offering token payments in the past. They have produced these as evidence of me accepting the debt.
  4. Interesting Statement of Account arrived today. They have added lots of charges that they have no legal right to add (before a judgment) Would this be considered misleading and worthy of an FCA complaint? FS-300516-SOA.pdf
  5. For others following this thread http://www.trustonline.org.uk/understand-judgments-fines/ccjs-and-county-courts/ccjs-what-are-they " CCJ:The facts When you owe money to someone, they can apply to the County Court for a judgment (CCJ) against you to claim the money. The Court will decide whether there really is a debt to pay. If there is, they will issue a CCJ. (Hence why a partial admittance will ALWAYS lead to a CCJ- SS) This will set out how the debt should be repaid." Staying off the register Nearly all CCJs go on the register: Paying within a month The CCJ will be removed from the register if you pay in full within one month of the day of the judgment.
  6. You clearly said that a partial admittance does not create a CCJ which was inaccurate. IT IS VITAL that people know that they have to appeal a CCJ 21 days from judgement. Your advice would of misdirected them into thinking that a CCJ was not created UNTILL AFTER IT IS REGISTERED!!!!! So again, Not splitting hairs.
  7. Actually no, it is not splitting hairs. It is called being accurate. Enforcement can be taken on a CCJ as soon as any payment ordered is not made, and that depends on the timescales set down in judgment. and can be less than 30 days which would also potentially cause more loss to the person misdirected by your standpoint Also it is vital to understand the true picture, although in this case the OP has no intention of appealing, other members may be following this case and your information would mislead them. If they thought it was not a CCJ for another 30 days they would lose the right to appeal which must be done within 21 days of the hearing....
  8. Being open and honest is the only way forward here. If you hide details or do not comply you will not get/or lose the job If you are honest and upfront about your errors the worst that can happen is you will not get the job but theres a small chance you may still be offered it. Your partner would have received wage slips?
  9. Hi If you check the CAG library there may be some templates that cover your situation. As normal adapt them to suit your circumstances. Templates are a good starting point.
  10. A Partial admission DOES automatically guarantee a County Court Judgement for at minimum the amount admitted. It is only placed on the register if not paid within 30 days. Do not get an actual CCJ mixed up with the act of placing it on the register........
  11. As Steampowered has said No more talking to anyone. Await a court claim. That would be the best thing that could happen and for that reason, I suspect it will never happen. If they are selling the debt, they too know they have no chance in court. If they did they would of issued court papers long ago. Time to move on with your life. If any post arrives relating to this issue, read it, put it in a filing cabinet and forget. IF an N1 claim form turns up then come back. NO talking to anyone by phone NO talking to any person who shows up - Tell them to go away and call the police if they refuse NO letter writing unless a N1 claim form turns up. If they are selling it, they will sell to a DCA that has no legal powers other than to issue an N1 Claim form and start court proceedings (WHICH THEY WONT! because if there were any chance of recovering the full amount the creditor would of claimed themselves) The DCA will pay something silly like 5p in the £1 for the debt. THATS even if they can get someone to buy it! So ask yourself. If they have the legal right to 100% of the money why settle for 5 or 10%?
  12. CCA response today. 1. Copy of a blank 2003 agreement with a blank piece of paper attached with name and address on it and "Rights to cancel" A second set of T+Cs that have 1 line with name and address on the top of it, but no date. maybe 2012. 2. The "Current Balance outstanding" has had the legal costs and 8% interest included in the figure 3. Separate statement of account with the original alleged balance and statements saying that this second balance is only the principle and does not allow for legal costs or sums that may be allowed by the court of judgement.
  13. Once you have completed the link I sent to you, do as advised above, log into MCOL and acknowledge the service and defend all. Leave jurisdiction unchecked. This gives you 33 days including the date of the claim form to file a defence. Have a look around the forum, especially the Financial Success Forum threads. When you are ready draft a defence here and people can review it for you. Just work out the deadline to lodge the defence so you dont miss it.
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