you cant contaminate an address, your good or bad credit does not harm anyone else there unless you are listed as financially linked to them on your credit file. NI works pretty much the same as the rest of the UK but you need to be aware that court papers might very well not be redirected should they be issued.

correct

are all of these debt owners or were the original creditors aware of your current correct address?? bottom line ..have you moved since taking them out??

AFIAK....there is no such thing as the 6+3yrs rule...……….. the 3yrs only runs from when you reasonably became aware... now if the creditor wrote to you at the correct address..then so be it... if they didn't then the 3yrs has never started..?????

or +14 days which is the earliest they could call the debt in.

darn the mug didn't fall for our fleecing attempt. dx

oh it worth applying yes. but your target will be the underwriters of the PPI insurance policy as no-one else at that time would have been regulated. they would have been under GISC or API insurance rules. so check all the paperwork carefully. there must be clues there. dx

well the operator shoyld have waited +10mins so his time stamped photos should prove you were not there for long enough for the minimum of 10mins grace to expire

what did the co-op say when you asked them?

CCJ council tax? surely you mean liability order unless the judge rescinded those and left the council no alternative. but whatever happened..you can virtually ignore the bailiffs as neither have a right of forced entry attached, but that's p'haps for another thread.

see our chargeback/section 75 guide no custom google search at present so cant find it

yes both apply

password showing. claimform removed ok well we could poke fun at them for a totally useless poc. even if it wasn't sb'd you'd win on that point because as usual JC and Moriarty haven't a clue what they are doing and never turn up anyway in court its purely a speculative claim hoping you wet yourself and cough up or ignore and they get a default judgement. not sure if its SB'd why you ever bothered with letter tennis..no point. The following defence is all you need if it is SB go file it now 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 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. . 3 The Claimant's claim to be entitled to payment of £[insert figure from their POC] or any other sum, or relief of any kind is denied. .. ..ends.. dx

you SURE the poc say credit agreement with JCIA?? they don't typically litigate on credit cards and you cant have a credit agreement with them as they are not a creditor. so the poc is total rubbish hoping for a backdoor CCJ and ofcourse being SB'd wont matter. how do YOU know its a monument card..they have not indicated such on the POC. good job you got the claimform had to take you uploads down you've left the account number on every line. BRB. dx

no need if the statement proves it statute barred then file our SB defence now JCIA??? who's that?? who was the original creditor??