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flyingblind31

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  1. Thank you. I have followed your guidance and prepared my response. What I meant was, does this statement need to be added onto the reply. "Any and All other statutes of law, be them UK or otherwise, that the claimant intends to rely upon should they wish to proceed and issue a uk Court Claim" Sorry for being a pain, I'm just not clued up at all in such matters.
  2. Sorry if this is a really stupid question. Do I need to add this statement to section I as well? "Any and All other statutes of law, be them UK or otherwise, that the claimant intends to rely upon should they wish to proceed and issue a uk Court Claim" Thank you in advance..
  3. Thank you for your advice, it is very much appreciated. I will keep you posted on any developments.
  4. I received the PAP few weeks ago but our most recent correspondence was yesterday via email and telephone (before seeing your forum). After reviewing my budget summary, they wanted a list of my assets (I only have my house, which is under mortgage) and 3 months bank statements. I told them that I wanted to go and seek guidance before committing anything else. They said fine and that the 30 days would restart then. (yesterday - 10th Oct) I haven't sent anything back in regards to the original PAP.
  5. Hi @unclebulgaria67 Thank you for the response. It is a combination of a loans and credit cards and a payment hasn't been made since March 2015. To the best of my recollection, I have never formally acknowledged the debt, especially not the outrageous interest, in a written form but I have spoken to them over the phone in the past. I now know that this isn't ideal, but even on the phone, I dont actually remember acknowledging the debt. Up till now, I have always followed the guidance of the national debt helpline and other debt help companies, one of which, told me to go into an IVA.
  6. Good morning all, I have received a PAP from Moriarty Law. I have been approached by IDRWW and CWD in the past, but they all went quiet once I sent them a budget summary as per the guidance of the national debt helpline. . After reading though this forum, I now realise that this may have been a mistake. After receiving the PAP from ML, with little understanding, I also sent them a budget summary, but now I realise that this isn't the correct way to handle them. What shall I do now going forward? Should a reply using the guidance supplied by @dx100uk Any help would be much appreciated, as this is now creating a lot of stress and anxiety.
  7. Good morning all, I too have received a PAP from Moriarty Law, is it OK to reply using the guidance on this forum?
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