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StressedAP

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Everything posted by StressedAP

  1. Yes, was received. Sitting on my hands has never been a strong point.
  2. I’ve read some other threads, rather my understanding of some of the language is not tremendously good. Thank you for your help.
  3. Morning. Had no response to any info request at all, other than a letter saying information had been requested as it wasn’t currently held. Given that 28 days have passed, next step is to approach the court, I believe? Or should I be allowing some extra time for any post to arrive, given COVID? MCOL still shows we are at the defence stage in the recent transactions box. Thank you for your advice.
  4. As advised. I can’t thank you enough. 1.By an agreement between New Day Ltd RE Aqua & the Defendant on or around 21/03/2014 (the Agreement) New Day Ltd RE Aqua agreed to issue the defendant with a credit card. 2.The Defendant failed to make the minimum payments due. 3.The Agreement was terminated following the service of a default notice. 4.The Agreement was assigned to the Claimant. The Claimant therefore claims £2539.88 and costs. defence The Defendant contends that the particulars of claim are vag
  5. So this is good to submit? thank you 1.By an agreement between New Day Ltd RE Aqua & the Defendant on or around 21/03/2014 (the Agreement) New Day Ltd RE Aqua agreed to issue the defendant with a credit card. 2.The Defendant failed to make the minimum payments due. 3.The Agreement was terminated following the service of a default notice. 4.The Agreement was assigned to the Claimant. The Claimant therefore claims £2539.88 and costs. defence The Defendant contends that the particulars of claim are vagu
  6. Ah. Ok. So add that point in and that is ok to submit? thank you for your help. I can’t donate a lot but will pop a few pennies in.
  7. I really don’t recall seeing one. My sister went through the house a while ago - I’d have hoped she wouldn’t have thrown any unopened mail away. This worries me. Am I up the creek?
  8. I don’t recall seeing one - but that’s not a stone cold guarantee one didn’t arrive.
  9. Does this look better? thank you. Particulars of Claim 1. By an agreement between New Day Ltd RE Aqua & the Defendant on or around 21/03/2014 (‘the Agreement’) New Day Ltd agreed to issue the Defendant with a credit card. 2.The Defendant failed to make the minimum payments due. The Agreement was terminated following the service of a default notice. 3.The Agreement was assigned to the Claimant. The Claimant therefore claims 1. 2539.88 2. costs total 2724.88 1. The Defendant contends that the particulars of
  10. So change agreements to financial dealings. Mention no default notice received. Remove NOSIA? Thank you so much for your help and advice.
  11. I can see there’s a mistake relating to Paragraph 2 being mentioned - will fix.
  12. Morning dx, Does this look ok? Any advice gratefully received as always. Particulars of Claim 1. By an agreement between New Day Ltd RE Aqua & the Defendant on or around 21/03/2014 (‘the Agreement’) New Day Ltd agreed to issue the Defendant with a credit card. The Defendant failed to make the minimum payments due. The Agreement was terminated following the service of a default notice. The Agreement was assigned to the Claimant. The Claimant therefore claims 1. 2539.88 2. costs total 2724.88 Defence The Defendant conte
  13. I’m going to write defence tonight. I just don’t know what I’m going to write. from what I can see I’m going to have to make an admission, aren’t I? And that will lead to a CCJ against me? any help gratefully received.
  14. Had a CCA return letter - we don’t have that information on file. We have contacted the credit card company to get copies of the original agreement and annual statements etc. defence date is coming soon.
  15. Ok. Letters prepared to be sent recorded tomorrow am. Will revisit thread pending responses from those letters and any further advice. Thank you so much for your help to date.
  16. Thank you for your advice. I’ll get onto that now. Although, there’s a point I am not understanding, for which I apologise - you mention the filing of a defence...but I’m not aware of what defence I may have? I really hope I don’t come across as stupid for asking. thank you
  17. Hi As suggested, please find details below. Some answers are not in red unfortunately. My formatting skills are not the greatest. Thank you in advance for your help and advice. Name of the Claimant ? Cabot Financial Date of issue – 29 December 2020 Particulars of Claim What is the claim for – 1.By an agreement between New Day Ltd RE Aqua & the Defendant on or around 21/03/2014 (the Agreement) New Day Ltd RE Aqua agreed to issue the defendant with a credit card. 2.The Defendant failed to make
  18. Hi all. I won’t waste your time with a long preamble. I spent many years dealing with a gambling addiction - ignored bills, countless letters, phone calls etc. Anyway, I recently discovered I have a CCJ. That’s not good at all, I know. I’ve not been at my mum’s house (trying to protect her from COVID) and discovered the letter about that last month. I’ve also had papers in relation to another claim for an old Aqua credit card, that were sent on the 29th Dec. I spoke to someone from Mortimer Clarke today about this claim. I’m keen to avoid another CCJ on my record. The debt is £2.7k. T
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