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

AxlR

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Everything posted by AxlR

  1. AxlR
    Thank you. You've been brilliant. And very patient!!
  2. AxlR
    Hi Thanks very much for that. Would you suggest applying set aside based on the above, or applying to vary based on the above and the fact that I'm prepared to resume payment?
  3. AxlR
    Agreed. Unfortunately, the claim is 5 years old and I didn't realise it was on hold. I stopped paying in January last year. Any advice on how best to proceed please?
  4. AxlR
    My plan was to try and negotiate a full and final on the basis that they don't have enforceable agreements.
  5. AxlR
    Because they didn't reply to my CCA request within 30 days. In hindsight, maybe not such a good idea.
  6. AxlR
    Hi Sorry. Yes, that's it. Basically, I paid the missed payments, paid an admin charge per account for their court costs to make the claim and then resumed the monthly payments. I heard nothing at all afterwards from the court, until the letters last week. I stopped paying in December 14.
  7. AxlR
    Hi Andy Thanks very much for the input. Ok, so even though the claim was made because I missed a payment on each account i.e. afterwards, what have I breached? No, I haven't signed any agreement. Any ideas what, if any grounds I have for setting aside or varying?
  8. AxlR
    Thanks Sorry, I've re-read it and I get it now. I'm not aware of any breaches. Any advice re what argument to use re setting aside or varying please?
  9. AxlR
    Hi CitizenB I'm not sure what your post means I'm afraid?
  10. AxlR
    Thanks WelshMam I do intend to file for the judgement to be set aside. Open to suggestions as to what argument to use. I could go with the fact that I didn't file a defence because Hillesden didn't pursue the claim and I wasn't aware that I had to, but I doubt that would work. Alternatively, I could go with the fact that they haven't complied with my CCA request because all I've had is copy application forms and reconstituted terms? Both these cards are pre 2007.
  11. AxlR
    I don't like the sound of that. No, I didn't file anything with the court. The only communication I had from the court was the initial letter and nothing since until yesterday. I didn't file a defence because I made the payments. I believe from talking to the court it was stayed because Hillesden didn't pursue the claim.
  12. AxlR
    Thanks The original claim came about because I missed the payments due to being on holiday. I called Hillesden when I got back and made the payments by phone. Nothing happened after that re the court so I didn't need to get to defence submitting stage.
  13. AxlR
    Hi I've had a letter from the court to say that "The application to lift the stay and enter judgement has been granted". " This order has been made without a hearing under the Court's case management powers contained in the Civil Procedure rules Part 3. You may within 7 days of the service of this order, apply to the court to set aside or vary the order under Part 23 Rule 10. You must file with the court, and serve on the other parties, an application that sets out your reasons for objection. A fee is payable on the filing of the application. When your objection is received the matter will be listed for hearing unless you ask the Court to vary the order without a hearing" Any suggestions as to what to do next gratefully received.
  14. AxlR
    OK, thanks again. I won't be waving back though! P.S. I've just made a donation. I think what you're doing here is brilliant.
  15. AxlR
    Done that. There are 2 claims from September 2011. The claims are stayed because there's been no activity, I thought they were closed to be honest. There's been nothing submitted by Hillesden, so they would need to apply to have both claims unstayed (if that's the word) give their reasons why and pay a fee. They're saying they've abided by my s78 request. I don't believe they have provided the original credit agreements, just application forms with reconstituted terms. Any suggestions welcome. Thanks
  16. AxlR
    Not really. I missed a payment because I was away and when I got back claim papers had been sent. I made the payment straight away plus costs and they stopped the claim, that's as far as it went. They're making out as though it's stayed, although I'm not sure what the official status with the court is. Thanks again for the input
  17. AxlR
    Also, I've had my SAR back from MBNA. I've calculated that, going back 6 years, I've been charged a total of £5821 in late fees and "Finance Charges". I think the finance charges may be interest, so I'm not sure they're reclaimable? With 8% applied, it comes to £8975. Can someone advise as to what, how far back and how I can claim back penalty charges please.? Thanks again
  18. AxlR
    I've had letters from DLC re both accounts. I haven't made a payment since I started this process. They're threatening to proceed with a court claim that they originally started in September 2011 but was stayed because I re-set up a regular payment. They're quoting the original claim numbers. Any feedback as to how likely this will be? Can it be stayed this long, or would they need to start again? As above they don't have the original terms, only the applications and reconstituted terms. Thanks in advance.
  19. AxlR
    I'm not going to ignore it. I'm just biding my time for now until I can hopefully negotiate a decent full and final settlement. I don't imagine they're ever going to go away.
  20. AxlR
    Quick update - I've had a letter from Moorcroft saying that they've been asked by Cabot to stop collecting on this account on their behalf and to refer to Cabot if I have any future queries. No response to the Halifax SAR yet.
  21. AxlR
    Thanks for the info and apologies for the delay, I'll update ASAP.
  22. AxlR
    I'll SAR the OC then, I'm sure there's charges to reclaim. Thanks
  23. AxlR
    Reply to SARs from DLC re both accounts. There's no information whatsoever from the original creditor (MBNA). They say that they don't have copies of the default notices because they outsource them(?), but have attached a copy of a template default letter and the data that would have been used to create them? Both debts show on my CRA as originally being with MBNA, defaulted in 2010 and settled (one in 2010 and one in 2014) and are now with Hillesden and are both showing as defaulted in 2010? Can they show a default if they can't provide copies of the original default notices? The statements of account only show information from when the debt was bought by DLC/ Hillesden and again they haven't included anything at all from MBNA, with no mention of any more information to come. Other than copies of the original application forms and copies of reconstituted terms, they don't appear to have any other information from MBNA. I assume that there will be overcharges to claim back re late payments etc., but they obviously can't provide that information. Where do I stand now? Grateful for any feedback please. Thanks
  24. AxlR
    Quick update. I've had a reply to the SAR, stating that they don't hold any information other than my details and amount owed. Therefore, they've returned my postal order on that basis that I need to SAR Cabot. So no more contact with Moorcroft then! I'll SAR Cabot and see what comes back.
  25. AxlR
    I've had a copy of my original signed terms back from Moorcroft. On my CRA this debt shows as Cabot. I've attached the signed terms plus the single page that was attached (not dated but signed in 2004, a copy of terms in my current address and a copy of terms in my previous address (where I lived where I applied). Any advice as to whether the signed form plus single page of terms changes anything re enforcability please? Thanks

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