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What Next

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  1. Phew!

    After nearly passing out with the stress, she’s dismissed the case on lack of burden of proof from the claimant as bill supplied does not give term or details, but statement says didn’t provided broadband, tv etc, which it did supply.

     

    Also, in one place it says 18 mths, another it says minimum 12 months, so can’t establish what it’s for or for how long?

     

    Statute barring not considered as burden of proof not met. 👏👏👏👏👏👏👏👏👏

     

    thank you so much one and all, thank goodness for their ineptitude!

     

    Rushing home now to epi dog 🐕‍🦺

     

     

  2. UPDATE 10 min recess for judge to consider claimants bundle in more detail,

     

    she says it’s 6 yrs from my “obligation” to pay, not my last successful payment? Which they say was an 18 mth contract, when I only rented for 12, so would not have taken 18mths?
     

    she’s almost bending over backwards to allow claimant maximum success? I may be mistaken?

     

    having spent hours on live chat with talk talk they say they have no records, calls etc, only keep 12-15 months, so I have no proof that I cancelled, so it’s just my word?

     

    Got to be honest, I’m shaking in my boots & feel sick, the stress is horrendous!

  3. Thank you but Oops, already sent, I didn’t want to be another day late.
     

    I numbered the paras, put a truth statement at the bottom and requested it be dismissed, but I forgot to copy in claimant, so I better go do that now.

     

    Is it worth rejigging it & putting in header etc at this point for the claimant & resend with header to court? 

  4. How does this sound?: 

     

    Since the filing of my defence I have had confirmation that the debt is statute barred.

    1 The Claimant's claim was issued on 19 July 2021.

    2 The Defendant contends that the Claimant's claim so issued is a claim in contract and is statute barred pursuant to the provisions of section 5 of the Limitation Act 1980.  If, which is denied, the claimant contends that the Defendant is in breach of the alleged contract, in excess of 6 years have elapsed since the date on which any cause of action for breach accrued for the benefit of the Claimant, (please see attached CONC S7.15 Statute Barred Debts).

    3 The Claimant's claim to be entitled to payment of £1294.72 or any other sum, or relief of any kind is denied.

    4 My personal medical details are nothing to do with the claim nor the claimant and are immaterial anyway due to the above.

    5 I moved from the said property in July 2014 (please see letter of confirmation from estate agent). I did not need to inform the company that I had moved because I had already cancelled the contract for TalkTalk’s breach of contract in failing to provide the contracted service. Unbeknown to me the original creditor continued to draw against a direct debit and I failed to notice for some 2yrs for a broadband/Digital tv/Landline service that we could not use and already believed cancelled. I contacted Talk Talk who refused to help me, thus i contacted my bank and invoked my rights under the DD guarantee to reclaim the rouge payments. Talk Talk again setup a DD without permission and again took a further payment in Oct 2016, which again i had to invoke my DD Guarantee over.
     
    Talk Talk created a new account debt and started to pursue me for that new erroneous debt, which is the date that the claimant is using to try to make its case within the time frame.

    My last payment for a service provided by Talk Talk at my old address was July 2014 as far as I am aware, (both the claimant and Talk Talk have refused to supply a SAR providing me with these details) therefore based on this the debt is statute barred.
  5. The damage must’ve been there already because it didn’t work properly to begin with, their engineer came out a few times, it was passed to local BT engineer. As I recall the wires were loose or not connecting properly, but in order to fix it they had to climb the telegraph pole, which already had a notice on it saying not to climb as it was dangerous. The pole was not directly on my plot, it was private land, so they didn’t have permission to change it. As builders were building houses in my garden effectively, they agreed with engineer that they could erect a new pole within that plot. This was not done before I moved out. 
     

    As the house was a temp rental whilst I was awaiting completion of works on another property I would not have taken out a new supply with anybody else. Not only that they say I had an 18 mth contract, but I only took a 12 month rental, so I would not have signed up for 18 months?

     

    We fitted a sky dish & had freeview box for tv & used our mobiles. This is how I discovered the problem to begin with when I got huge mobile phone data charges on my children’s mobiles, they were streaming tv on their mobiles as they couldn’t get the TalkTalk service. I had to block all data charges or I would’ve been bankrupt! They kept releasing the block & charging again & I had to keep phoning on a monthly basis to make sure they were blocked, that’s was whole different stressful battle! They (TalkTalk) diverted all landline calls to my mobile and charged me for it, even though it was their fault?

  6. I’m so stressed, I’m going to down tools for a bit & regain my composure, if I’m late already, then another day isn’t going to make a difference!

     

    In trying to compose something, which evades me, I’ve copied & pasted my defence emails into one, with some extra bits, whilst following live chat in the background in the hope that I will get some dates to confirm my last payment and my complaint date & after 4 hours of negotiating they finally admit (or are lying) that they don’t have any info to give me under SAR/DPA/GDPR? I’m off to have a cuppa! 

     

    🙏 

     

    If an affidavit is suitable, can it be witnessed by a minister of religion? 
    many thanks

  7. I vanished to take care of my brother who is dying of cancer & is double incontinent, even though he’s just had a colostomy op in the last 2 weeks! I’ve been cleaning up 💩& washing & trying to get my brother to bath etc, sometimes 3 times a day due to leakages.

     

    My house smells like a care home & looks like a Chinese laundry, whilst trying to look after my own physical & mental disabilities. After much battling with local authorities & mental health team, I’ve only just got him into a home where he can be catered for, but still I have to visit daily & coordinate all his care planning, palliative & end of life planning as his POA, whilst trying to not be upset of course.

     

    This is in between my daughter having a large lump removed with Fallopian tube & ovary, with another misdiagnosed hernia lump they have lost in surgery so she has to have another op & a seriously sick dog with seizures 🤷‍♀️ I’m doing my best


     

    I heard nothing from them so assumed they would drop it at the last min as they know it’s statute barred
     

    im trying to find out the exact dates because the bank haven’t given me the info requested so I can adapt the statement to fit? 
     

    apologies for not being on the ball, just priorities & limited capacity for doing much else, but please note I am most grateful for all your help 🙏

  8. It is already allocated, I didn’t think it would proceed given the circs, my deadline is today for filing WS etc. 
     

    im even more angry now as I’ve been on talk talk chat to see if I can get copies of my files etc as JCI not supplied it, they not only are blocking that saying account locked I have to contact JCI, but they say my account has been passed to the fraud Dept! How dare they! 🤬

  9. Hi, me again, sorry to be a pain, but I just looked on my credit file & the TalkTalk debt is listed as satisfied?
     

    Also, it has the wrong date for account closure, which makes it stay on my file until Sept 2022? 
     

    1) Does the fact that it says satisfied mean the court case is invalid?

     

    2) Can I get it removed from my file as it is already statute barred?
     

     

     

    CRA report.pdf

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