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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

mrichard4

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Everything posted by mrichard4

  1. mrichard4
    Hi team can the wait be indefinite or do I wait until the debt gets time barred. Just wondering if i can get them to admit they have no paper work and let me move on with my life. Regards MR
  2. mrichard4
    Thanks AO. Is there anything I need to do or just wait.
  3. mrichard4
    Hi Team After filling my defence and receiving confirmation from the the court of the same, Mortimer Clarke have now come back and asked to hold while they obtain instruction from their client. As am aware, they have 28 days to respond to my defence failure to which the case will be thrown out. Please advise. Thanks for your great support Caggers. M
  4. mrichard4
    I am actually drafting a defence dx as they have not provided any proof of debt. Am hoping to submit sooner. But I dont know if lack of paper work will compel a dismissal.
  5. mrichard4
    Hi All Just to confirm, I have to file my defense by the 18th of July as my letter is dated 15th June. Is this correct? Thanks
  6. mrichard4
    Thanks Andy. I have looked in the forum for an example successful defence with no luck. Are you or any of the caggers able to point me to one. I just need to have an idea on the wording. Am assuming they should have taken legal action with all the evidence ready so asking for another 28 days should not be acceptable amd I agree with Andy on thos one. Thanks.
  7. mrichard4
    Hi. We are now in receipt of acknowledgement from mortimer clarke and offer to extend by 28 days as they consult their client. Have not received any of the other information I requested for. What's the best course of action now. Thanks Caggers
  8. mrichard4
    Hi BankFodder. I will be happy to talk to media. I have already resolved one issue relating to an unfair parking ticket with a local council with the help of the BBC consumer program.
  9. mrichard4
    Very good idea. I will write to Aviva and advise the forum what happens next. Thanks for your input.
  10. mrichard4
    This was my view. I am assuming they do this very often as the latter is not even dated which suggests this is a template for re-use or may be they forgot to add a date. Thanks unclebulgaria67. Is there any wording i can use in my challenge to them? Thanks again
  11. mrichard4
    Hi Caggers Here I am with a different case all together. This morning I received a letter from Aviva Insurance stating that they are writing to inform me that they have identified incidents relating to a motor claim or accident i was involved in have been accessed and disclosed to the third party without my/their consent by an employee who has now been dismissed. It is a detailed letter and i was wondering if they have a case to answer as afterall, they should have measures in place to safe guide my data. I have since the the accident in question received countless number of calls from insurance related companies offering me this and that. Do we have any Data Protection Experts in the forum who can advise. Am happy to scan the whole letter and post it here if necessary. Please advise. Thanks RM
  12. mrichard4
    I don't think there was any ppi charges as I have always stayed away from them. Thanks for your replies. Any other suggestions most welcome. If there is anyone who has had some experience with Mortimer and Cabot, please say something. Thanks to all for the great work.
  13. mrichard4
    Do we know what outcome of this case was?
  14. mrichard4
    Must have been end 2009 but no later than feb 2010. Do I neef to fo anything at the moment?
  15. mrichard4
    Hi Caggers Received a N1CPC claim form today which i have acknowledged through MOCL Name of the Claimant ?=Cabot Financial Date of issue=15th June 2014 Particulars of Claim?=By an agreement between CitiFinancial around March 2002 defendant failed to make the minimum payments and agreement was terminated. What is the value of the claim?=870 Is the claim for a current or credit/loan account or mobile phone account? =Credit Card When did you enter into the original agreement before or after 2007?Approx. 2002 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. = The Claim has been issued by a debt purchaser (As i do not have any agreement with 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?=NO (Not one that i can recall) Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ?=I have not seen any of these. Why did you cease payments:- = Could not afford it any more, tough times, lost job, gone on benefits then out and started my life again Was there a dispute with the original creditor that remains unresolved? = None as i ceased payments when I could not afford it I have now requested for info on CPR31.14 I have also sent (send a CCA1974 request to the claimant) with 1 pound attached PO I gather from most cases in the forum, i do not need to do anything for now apart from keep an eye on the Court Calendar to file my defence. Based on the dates, are you able to help me work out the latest day i should file my defense by? Thanks Caggers

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