going by your figures £5239.50 was added to the £21k loan making the amount we borrowed £26239.50. so the PPIPCM% was: ppi/loan+ppi*100=% 5239.50/26239.50*100=19.97% so lets call that 20% so 20% of any payment made on its date was PPI. now you'll have to fill out the statint sheet as if you haven't yet been refunded then add in the payment you got on its date as a minus figure on the sheet on its date to the sheet that will tell you whats outstanding from the refund thus what you owe today. dx

Next you need to send off for a breakdown of the charges the Bailiff applied. . Here's an example, use and ADAPT at will and best sent initially by email backed up by a copy in the post. . "From: My Name My Address . To: Acme Bailiff Co Bailiff House . Ref: Account No: 123456 . Dear Sir . With reference to the above account, Can you please provide me with a breakdown of the charges. . This includes: a - the time & date of any Bailiff action that incurred a Fee. b - the reason for the fee. c - the name(s) of the Bailiff(s) that attended on each occasion a Fee was charged. d - the name(s) of the Court(s) the Bailiff(s) was/were Certificated at. e - the date of the Certification. . This is NOT a Subject Access Request uest under the Data Protection Act S7 1998 You are obliged to provide this information. . I require this information within 14 days. . Yours faithfully . Ripped off customer" .

well no you did tell them you'd cancelled the fact that you omitted to pay one extra dd after that date is somewhat immaterial now. your problem is you've done all this by email. you now need to stop using email and block and bounce them totally using royal mail send harlands a letter offer them one months payment as you cancelled the dd without leaving 30 days for the next payment to be taken. but refusing to pay any unlawful admin fees. if they fail to accept that. you ignore everyone. dx

not your problem use the custom google search on the top right pcn claimform get reading up on what is to come if they proceed. and no you don't need to add to your defence. dx

You need to speak to someone at the Council and ask the following questions: 1 - how many Liability Orders they have against you 2 - the dates they were obtained 3 - the addresses they were for 4 - the period of time each covers 5 - how much each one was for 6 - how much is still outstanding 7 - the dates they were passed on for enforcement 8 - the dates & amounts of any payments Please note they need to prove you owe the debt not just say it is outstanding.

simply phone northants bulk in the morning and ask for a copy of the claimform AND the Judgement by email PDF you'll need the CCJ number from your credit file. dx

please leave in all times and dates. these are important.

Exactly the same as they must file their witness statement to you in advance.. its an old wives tale that giving them the heads up somehow lets them counter what you are saying in your defence. they see it anyway a few days before the court sends it to them!! is utterly stupid to hide it.

people are not losing against these people.. stop jumping to conclusions... the issue is, as has been explained here several times, is simply that they have [to our knowledge on CAG] 3 cases, that could ALL be down to whom the judges knows, plays golf with or drinks with, that they are prepared to hear in their court concerning UAE debts. they have made NO comment, nor can they, upon the way the cases will actually pan out when a proper defence is filed. we have 3 defences filed none of which are here because one person appeared on CAG shouting the odds the that nothing should be in the open. now that person has done what they wanted to do and that driven away the one person that could help. because people have become SO blinded. sadly that's the tactics these money powerful UAE people employ. get everything in the open then people that aren't members but help behind the scenes can see it and help quash them dead as it is ...there is nothing to go on.

then exactly what ive said then.. back garden makes no odds. you are seriously making all these issues 1000 times worse but bringing in your own fears about this and that ..that don't apply at all. old wives tales. as for why they are chasing 12-14yrs later ...because they can and they are short of cash as the gov't is cutting £1Ms a day to councils..but..the staff and paperwork and TIME taken far outweighs what they ever get back..as you point out in your case..debt shouldn't exist. above BA hinted at what someone should have advised i'll post the check list of things to do a bit later

waste of money. if you feel you need a solicitor then go pay the debt instead..alot simpler... dx

you don't respond further to anyone. you said your piece end of the matter

so what.. you really think a bailiff is gonna enter a front? garden where kids are playing.. you need to stop putting things that are really irrelevant and your own pers fears to the background and deal with the issues you have with the ctax debts. and the other debts you appear to have suffered like eviction threats etc.. stop thinking there are magic bullets out there when you've never really investigated things to a conclusion.. dx

no you dont dx

DUMB makes no odds read upload tells you what to leave out. dx