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  1. Hi guys, I found your web page and noticed you are really good at helping people in tricky situations. I received a claim form from Northampton county court via aplins regarding my old orange contract. (issue date 24/9/14) Claimant, Orange Personal Service Adress for sending docs and payments: aplins Defendant: me PoC: claim is for call and service charges due and unpaid as at todays date under a network services made between the claimant and the department. Amt claimed: £109.59 Court Fee: £25 Solicitors costs: £50 Amt total £184.59 Background: I cancelled my contract over the phone (in april) and also asked to have my number ported. Orange sent me two letters notifying me of an outstanding bill of £99.63 and since passed my details on to a DCA. unfortunately I lost track of my mail as I work really long hours and I'm hardly home! They never called me to talk about this but they have been texting and are still texting about purchasing their services. Having received this claim form I called orange and they say they cant deal with me, that I have to deal with the DCA (which I assume . This form is asking for £184.59??? I just want to pay the £99.63 which I apparently owe orange....what do I do? From what I've read so far on similar posts I have 12 days from today to respond. I suffer from anxiety and depression, this is destroying me mentally, I really need your help!
  2. Hi All I will try and give a quick back ground of what has happened since 2009. I got into money problems when my company went into liquidation in 2009. I re mortgaged to offer F&F to all credit cards and bank loans through accountant he managed to settle on all accounts except MBNA who never replied to his letters. Since then in 2013 I started getting the standard letters from DLC no telephone calls then in December 2013 I got a letter from Aplins stating if payment was not made to DLC they would be apply to take me to court. I got a court claim form in post dated 08/01/14. the sum is for £3500 which I don't have, why have they taken from 2009 to do this and why did they not just answer accountants letters when the money was there. Is there any good reason they have decided to do this now ? My MBNA account was opened in 1995 now I have a court claim against me is it to late to request if they have all the paper work ie terms and conditions etc I got a default notice dated September 2009 but credit card agreement was not the right number I then got a letter nine days later saying my account has been sold to DLC but account number they gave was not the right number it was even not the same number as default notice letter, is there anything I can do ?
  3. I have sent the SAR and received it showing my name and signature. My question is this; if I borrowed the money from Black Horse, surely my debt is with them and no one else. I am also a bit peeved as if the SOLD the debt to Hillesden, then Black Horse has decided that this debt is a bad debt so got rid of it and as such have put the amount . .. some £3900 against their annual tax and I assume Hillesden paid between 10 p and 2p in the pound to buy the debt. My question is who is the debt with? I believe it is still with Black horse which makes Hillesens claim irrelevent. Am I right?
  4. Hi, Got a letter a couple of days ago from these "people" and my heart sunk It's in reference to a CCJ they must of got after I left my last address over 2 years ago. .. at the time they were trying to go for a charging order on my home, but sold it just in time Now they have caught up with me and sent the following letter What should I do? Obviously if they got a CCJ.... what are my options here? Any advice welcome... ps. I no longer own my own home.
  5. Hi, I need a bit of help with my defence for a claim received from Aplins via Hillesden/DLC. A long story and I'm not sure how much you need to know but in brief: 2009 CCAd MBNA for sight of original agreement for a credit card I had with them and despite them not supplying anything, and following the timelines in the CCA putting them into dispute, they continued to use various companies to try and get me to pay my account but sent nothing. Eventually, they defaulted on me and then sold on the debt to Hillesden/DLC without ever satisfying my CCA request. Since then I have had an on off relationship with DLC - them writing to me threatening to take legal action against me for the Financial Facilities I had with them and me saying I owed them nothing and asking for proof of debt etc, all after reading advice discussed on this forum, in cases similar to my own. This for the last couple of years with months of inaction in between. All I have ever received is a poor photocopy of an application form and sets of T&Cs that they have assured me would have been in force at the time - although no dates on them to verify that! I refused to pay them and eventually I received the claim from The Northampton bulk centre. I have already acknowledged service in the 14 days, declared my intention to defend in full and CPR'd Aplins for the docs they intend to rely on in the action. Today an envelope from DLC dropped through the door with the same docs that they have sent many times before with a letter saying they have fulfilled my CPR 31 request - pay up or we will see you in court. This is quicker than I assumed from reading other posts but hey ho time to start putting together my defence. What info is needed to help with this please. First time in Court and although I am not too concerned I would like to have all my ducks in a row so to speak. Just re read this and realised it may not appear that brief - sorry!
  6. Hi all, We are being chased for a debt of around £6k, originally from a Virgin Money/MBNA credit card. Last payments/acknowledgement of debt were around July 2011. Aplins successfully put a charge on our property for the amount owing earlier this year, and they then sent a nice (for them) letter saying they wouldn't be enforcing a sale, and things went quiet for a while. However they've now sent a letter saying: " We are about to issue a Warrant of Execution against you. This will incur additional fees and costs which will be added to the amount you already owe. Unless you pay the amount of the Warrant the Court Bailiff will call at your address with a view to taking an inventory and levying on goods belonging to you." They then tell me to contact dlc to make payment or come to an arrangement. As they're pretty much guaranteed the money on sale of the house, I think this a strong course of action, and I am tempted to believe this is an idle threat, unless anyone tells me otherwise. Surely I could just point to the charging order and say I can't afford to make a payment? When the court documents came through re: the charging order I didn't contest or respond to them as I'd assumed (perhaps wrongly, it appears from reading these forums) that Aplins etc would have all their paperwork, CCA's etc in order before they took it to court. Also, I have not CCAd DLC as yet - is it too late to do this now the charging order is already in place? Any advice gratefully received as to the next course of action, we were going to write to them and offer to start making token payments, but a good afternoon on these forums has given me more stomach for a fight, and I'm now tempted to wait and see what they do next. Thanks in advance
  7. Had a orange phone last year they cut me off as was late paying the bill and customer service was not contactable on the 150 as calls were barred.they cut me off so thought nothing more of it DLC wrote to me asking for payment contacted orange as was going to pay them not DLC but they refused to accept payment and i refused to deal with the debt collector. I have now received a claim form from Northampton bulk center The claim is double to what shows on my credit file! Particulars of claim The claim is for call and service charges due and unpaid as at todays date under a network services contract made between the claimant and the defendant . How is the best way forwards on this i have acknowledged the claim just need a deference if there is one? Orange were the one that barred my phone at the time for around a £50 bill surely they broke the contract and now trying to charge for something they not providing Thanks for your time
  8. Hi Hopefully I am in the right place. I have received a Claim Form from Northampton (CCBC) and am not sure if there is anything I can do about it but would like to try. Any help would be appreciated, even a little guidance on how to complete the response pack. The particulars of claim (issued 25 July 2012) are as follows: The Claimant's Claim is in respect of a credit facility, xxx etc., provided by Cahoot at the Defendant's request on 27/06/2002. The agreement was subsequently defaulted. Failure to meet requests for payment resulted in the account being terminated. On 26/11/2007, all legal and beneficial interest for the monies was assigned to Hillesden Securities Ltd. The Defendant was duly notified in writing of the assignment and that a balance of 12349.63 was due. The balance of 11606.90 remains owing from the Defendant. As you can see I have had this debt for a long time and due to struggling with finances and redundancy have been making minimal payments. I have also received a Notice of Default sums from DLC for Litigation costs of £100.00 I have no means of paying such sums. Is there anything I can do?
  9. Hi Gang, Long time no speak!!! Feel like ive got deja vu with the title (hope it goes the same way as last time!!!) and the following info :- Got a claim form from Northampton court sent via Aplins with Hillesden as the claimant. I think this is for a finance agreement i had with Black Horse that has been in dispute for about 14 months due to over £1000 of charges for late payments etc. I'll attach the claim form but the basics are :- Particulars of Claim The claimant's Claim is for the amount due and outstanding under a regulated Hire Purchase Agreement following disposal of the subject goods. And thats all it says in the POC (No agreement no,breakdown of debt,assignment details etc) Now my question is can i more or less send the letters and follow the course of action from my previous thread http://www.consumeractiongroup.co.uk/forum/showthread.php?263672 ie, Send Aplins a re-plead your claim as your POC are a disgrace and contain no info etc letter and if they dont go down the embarressed defence route? As usual any thoughts or comments greatly appreciated Cheers Gazbo http://i725.photobucket.com/albums/ww256/gazbo34/Aplins-Part2/HillesdenClaimForm-1.jpg
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