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Thomas s

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  1. thanks for the info. I thought that might be the case. I have been at the same address since 2009. in 2010 they wrote to an address that I lived at in 2008 and left in 2009. I assumed they collected that address from the electoral roll maybe. after investigation this is the address where they secured the CCJ at. The SB MCOL success in 2015 was from the same current address I am at now (and since 2009 ) and is the same address that they are writing to now. so no I have not moved, they just didn't write/contact for a long time thank
  2. Hello I wonder if someone might be able to clarify a problem for me. I have an old problem raise its head again with cabot finance. There were 2 bank debts that occurred at the same time that I was unaware off. My Ex wife continued to use a bank account and 2 the debts occurred. I successfully defended a claim from cabot via MCOL regarding a SB debt 6 years ago. This debt had no previous recovery action on it and therefore SB defence was successful. It looks like of their parent/sister company (Mortimer Clarke) company issued a CCJ fo
  3. Hello I have received a response back from the solicitors dealing with the case Mortimer Clarke. The letter says that they are instructed that the matter was governed by the law of England and Wales and that their client would ask ( so I take it they haven't referred it to them) why I believe this would have any relevance to this claim. They also have make reference that this debt was assigned to their client on dates in 09 (same as those I posted earlier in this thread) so I am reading into this that their client they refer to may not be clysdale . Does this aff
  4. Yes that's what I thought it will be in well within the time limits. if they do dispute the statue barred status does it then go across to a court hearing to be decided, they cant just apply a ccj I take it ?
  5. Hi Thanks , yes I emailed it before the deadline and then I registered posted it on the day it was due to be in (the bank holiday meant I couldn't post it any earlier) but I do have a auto email response so I have proof that I was in within the 14 days. couldn't access it online. but will try to access again online to lodge the defence, if not I will register post it Monday. so I am going with the wording below. Thanks again for your help 1 The Claimant's claim was issued on (insert date). 2 The Defendant contends that the Claimant's claim so issued is a claim in co
  6. Hello Thanks for all your posts helping with this. Just looking to prepare the defence to send back to court and was looking to use the wording and defence in Citizenb's post of 5th May. I uploaded the answers and details of the claim after this was posted, so wondering if the suggested wording would still the defence I would use ? Many thanks
  7. Q&A Answers Claim particulars Monies due under current account overdraft. The claimant’s claim is for the balance outstanding under a bank account facility Clydesdale bank PLC trading as Yorkshire bank (CYRB) agreed to maintain for the defendant. It was as a term of the bank account that any debit balance would be repayable by the defendant in full on demand. Despite a demand being made, the defendant has failed to repay the money due. The debt was assigned to the claimant on 20/08/2010 THE CLAIMENT THEREFORE CLAIMS 1 £1622.68 2. Interest pursuant to sec
  8. Hi DX Thanks for the help, I have completed the form and questions , do I post them back on the forum here in a reply box or do I upload the word file somewhere ? the account has definitely not been used since Oct 2009 (and possibly before) is there anyway I can double check if it is a Scottish debt ?. I am English by birth but lived in Scotland for 20 years and signed up for the account in Scotland and continued to live there for 10 years after the account was opened. I am now reading through the remaining advice list , if I believe the debt is statute b
  9. Great Many thanks for replying , I will complete the form can I just ask , by completing the acknowledgement form back to the court, i do just reserve the right to the 14 days extra to file a defence , I take it this does not jeopardise any defence I intend to put in ? also the account definitely wasn't used after oct 09 as they had already put it into default.
  10. Hello If anyone could point me in a direction on the below I would be really grateful I had a debt with a Scottish bank (Clydesdale) when I lived in Scotland for 18 Years . It now appears there was 2 joint accounts that was defaulted on after I separated from my wife and moved away to England. The defaults according to Experian was late 2009 and early 2010. There was a CCJ applied for (£2,511. )and on my credit file, for one of the debts in 2010 but was at an address I no longer lived at in England. (I left 2 years earlier) I have now received a Northampton ccj
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