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Josie8

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Josie8 last won the day on January 3 2009

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About Josie8

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  1. Not if last payments were made in 2011 - 6 years would be 2017 - unless defaults had been registered earlier
  2. Would suggest sending Lowells .77 Consumer Credit Act request for each loan
  3. You may be entitled to fee remission either in full or part
  4. They have to provide your husband with a written statement confirming terms of employment within 2 months of starting employment. Did the £4,132 include his hours for November? Was the £1408 paid on top of the £2685?
  5. Because they copy agreement and terms & conditions they have just provided you with are still in breach of s.78 and unenforceable as not compliant.
  6. Might be an idea to send a subject access request as well . Totally different department and they have to disclose all transaction histories etc.
  7. Thought I( don't understand you saying that "Bankruptcy is not an option as there are no assets of any sort". You do not need to have assets to petition bankruptcy. If you have a large debt and have no assets some might argue that this is the best time to go bankrupt. That way there is no debt payment order for 36 months and if your circumstances were to change over time nobody can still pursue you for the debt. She may even qualify for a Debt Relief Order.
  8. I( don't understand you saying that "Bankruptcy is not an option as there are no assets of any sort". You do not need to have assets to petition bankruptcy. Ifyou are addled with a large debt and have no assets some might argue that this is the best time to go bankrupt. That way there is no debt payment order for 36 months and if your circumstances were to change over time nobody can still pursue you for the debt.
  9. The two appeals are listed for hearing at the Court of Appeal on 23rd/ 24th February 2011
  10. Your first witness statement was drafted for the Summary Judgment and drafted in such a way as to address those issues. You need to resubmit a Further witness statement and adding anything further in you wish to include. Send by first class post two days prior, obtain a certificate of posting and complete a certificate of service. Alternatively agree the simultaneous exchange by email or fax.
  11. Wrong way round..............his written application for permission to appeal was refused and now he has made application for an Oral hearing which is listed for 6th December 2010. You should request a further stay pending the outcome.
  12. If you wish to cancel a Continuous Payment Authority, you should always write to the company concerned, or follow up a telephone cancellation with a letter sent by recorded post, just for your peace of mind. In the unlikely event they don't act upon the letter, you should immediately open up a dispute with your card issuer, and explain that you withdrew consent for them to continue to charge your card. They should credit the money back into your account immediately while they investigate with the retailer (although this may depend on the card issuer). If it is a monthly subscription, you may have to continue to dispute individual transactions until the matter is resolved, which can take time.
  13. I'm not sure the change is for the better.....................
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