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Found 26 results

  1. Hi all , it is my first time ever discovering forums like these in my life. I'm Matt I'm a 26 year old male and to cut a long sob story short i have been ignoring various debts for years as they always used to get passed from pillar to post so i'm not entirely sure which company owns which debt etc. Following a bereavement in 2012 my life spiraled downwards into chaos , i drank a lot of alcohol every day for a long time i lost my home ,my job , my friends and just about everything you can imagine. I used various payday loans to pay for my drinking once i had lost my job and i tried to take my own life in 2015 because of my debts. I am still involved in mental health services i was diagnosed with Psychosis last year (2018) , i had a terrible time getting abuse 24 hours a day from voices in my head often keeping me awake for 4-5 days in a row. I am enjoying a January voice free, i don't take any medication anymore , it's taken a long time to sit here and have the confidence to post here. I received a letter today from a company called BW Legal which made me think it's about time i start working on a solution. I was hoping for some advice, help with anything you can while i have motivation to try and solve a very big problem i have and this is my debts. I have followed instructions from the site and i have obtained my credit report, to my suprise my debts are nearly £5000 less than i had anticipated bringing my total debt ( on my noddle report ) to £3745. I am currently receiving ESA ( Employment and Support Allowance ) so i do not have a big income to pay a lot of money a month. I did read about the statue barred sticky thread, i do believe some of my debts are older than 6 years old but i am unsure when the date starts from, also my memory is not very good about the past 6 years because i was drinking heavily. It is also the reason i am hesitant about contacting any of the companies for my account information. I do have letters somewhere dated in the past 3 months which i will try and upload. I have 2 CCJ's i believe one is from Capital 1 credit card for around £500 and a parking fine of around £200. Thanks in advance for any help i might get, i have been signposted for stepchange by my mental health worker , but i was worried i might mess up any chance of Statue barring any debts that might be eligible. I have downloaded a PDF from noddle with all my report on if anyone would like to see it. Lowell £ 499 Lantern £ 262 Active Securities LTD £ 442 Capquest Investments LTD £ 1,288 Lowell £ 780 Lowell £ 217 Barclays Bank Plc £ 62 Ee Limited £ 152 Thanks again
  2. Today I received a Claim Form for an old Bank Of Scotland Credit Card debt that had been passed on to IDEM Securities Limited. I had been sending regular monthly payments to Idem via Standing Order, last payment sent was January 2016. I had sent a signed for CCA Request on 28 December 2015 to IDEM SERVICING. The reply to my CCA request was: IDEM acknowledged they were unable to supply a copy and acknowledged until they could do so the agreement cannot be enforced. in March 2016 they wrote again saying they have now received a copy from LLOYDS BANKING GROUP and enclosed a copy. No signatures whatsoever are shown and just a print off of Repayment and Interest Charging, all looks like a generic print off. I never made any communication whatsoever with IDEM from this point. They tried phoning me daily and leaving messages on my answer machine which i never responded to. They then wrote to me in April 2016 saying they were unable to speak with me. Then they wrote in May 2016 saying they are keen to speak with me. Then on 14th July they wrote saying account transferred to Litigation. Today I received the County Court Claim Form with Issue Date 27 July 2016. I have logged into MCOL and done acknowledgement of service, and defend all. I have also a CPR 31.14 request to send signed for to Claimant in the morning. I also at this moment have a Claim Form going on with PRA-Halifax(LLoyds) which i have a thread on the forum, i have filed defence on that, and awaiting the 28 days to see if gets stayed, so i already was aware with MCOL and defend all being way to go. I thought it would still be worth while posting a new thread with this particular claim that has arrived today, just incase any different cause of action is best, both cases are very similar intruth as both have not provided a true copy of CCA. Any help/advice as always truly appreciated! Thank you
  3. Hi, I have been working through sorting out my credit file and I have come across a default posted by Active Securities. Now, I didn't even know who this was so googled it and it appears it is 247moneybox. The default was posted in November 2011. I have only recently been checking my credit report - to be honest I was too fearful of how terrible it would be. I have checked through all my emails from around the time of the default and letters that I have kept related to my debts but I have not found anything at all that tells me of a default nor of this being reported to the cras. I did however pay the debt off when they eventually agreed to a repayment plan. Although this was a very painful process and they were absolutely appalling at replying to my emails. I am thinking of challenging the said default and wondered if anyone else has been successful in doing so.
  4. Hi all I've received a rather threatening letter from Restons Solicitors, I'm hoping you can assist me with my problem. Resotns solicitors been instructed by their Client Hillesden securities limited. I have received an n30 Judgement for claimant Resotns solicitors been. I believe it relates to a car finance agreement I had with Black Horse back in 2000 the Car price was £12000 to be paid over a period of 48 month. After few month later in year 2000 due to financial problem I wasn’t able to keep my payment of the monthly instalment to Black Horse. Black Horse decided to take back the vehicle and sell it at an auction for £5000. Black Horse put a default on my credit file (I do not know if that CCJ or not) but I wasn’t able to take any credit for six years and they started to charge me £20.00 a month until year 2010. Black Horse sold the debt to Hillesden securities limited with some advice from the Citizen advice centre I start paying them £1.00 a month as a token payment. In year 2012 for unknown reason I stopped the standing order by mistake. I didn’t receive any correspondents from Hillesden securities limited from year 2012 until November 2015 I received the court letter from there form Restons solicitors. They are demanding £1540 I wrote back to them asking to make a token payment of £1.00 but they didn’t reply back to me and when I phoned them they denied my offer letter. I received N1SDT from the court and they asked me to pay the £1725 court fee included. I offered the court £1.00 every month for six month until my financial status improved but they refused the offer and now I have N30 from the court asking me to pay instalment of £226 a month which I will not be able to afford. I do not know what action to take as I don’t own a property; I am currently in a renting accommodation and already have family financial problems. Do I consider this as a statute barred? I need your help guys.
  5. Hi, My secured loan from Black Horse is now with Idem Securities. They are being very fair with their acceptance of our situation but insist on regular reviews. It was a secured loan. They are 3rd charge. I am wondering what legal rights they have 'inherited' IF ANY? However, when we tried many years ago to take out a secured loan they wouldn't touch us as the mortgage we have has a draw down facility on it. Also every now and again we get a month or two arrears on mortgage. The secured loan people never chased us. I was expecting them to try and seek repossession but it didn't happen. I din't ever think why but am now wondering how legal the secured loan from BlackHorse was to be secured as 3rd rank! Any advice welcome. From picking up on an earlier thread. We had several TSB loans repeatedly consolidated and then we were coerced into turning them into a secured loan; a 3rd charge on our property. (We have a mortgage with separate drawdown facility.) The loan is heavily in arrears. Idem took over and I did not query the original agreement or their ability to do this or indeed any miss selling issues. How can I check the validity of this transfer or the original lending criteria as I no longer have the original agreement? With this loan being secured, I have always worked with collection activities but our means are very limited and we cannot get anywhere near the contractual payments. The pressure of having to review the agreement so frequently is hard as our income is mainly disability benefits and very poor, fluctuating self employed income. It would be a massive relief if I could find out how legitimate the lending was as we had no choice but to accept a secured loan as TSB, back then, were threatening further recovery action if we didn't. Today such bullying would not have happened and a repayment plan put in place. Hope someone can advise me. Thank you
  6. Hi, I've received some letters from Hillesden Securities informing me that they have applied to the courts in regards to a CCJ regarding a debt from 2004. I stopped paying as I couldn't afford it but and was on a debt management plan at the time the debt had been passed around various companies before Hillesden took it on, as I do not have any paper work relating to this debt I'm about to write a letter requesting details of the agreement as I heard I maybe able to contest them if they've not contacted me in what I believe to be around 6 years, if I do this can it be classed as acknowledgement of the debt? Thanks for reading.
  7. Hi, and apologies if I've filed this in the wrong section - sleep deprived trying to research how to respond to the above. The particulars of the claim are: The Claimant claims payment of the overdue balance due from the Defendant(s) under a contract between the Defendant(s) and Black Horse Ltd dated on or about Apr 30 2008 and assigned to the claimant. PARTICULARS a/c no xxxxxxxxx DATE ITEM VALUE 10/11/2015 Default Balance 7xxx.xx Post Refri Cr NIL TOTAL 7xxx.xx Issued on 02 Dec and I've completed online acknowledgment of Service. Reasons that this large debt exists aside for the moment, I'm 99.9% sure I haven't made any payments on the account since mid 2009 and I've certainly not responded or acknowledged the debt in any other form. Assuming that I'm correct about the last payment date, how would I proceed with defending this? Do I write to the court, solicitors, or the claimant with a SB template letter - or should I seek more info on what they have on me? Some help and direction with my next steps would be hugely appreciated as I feel my health is already suffering with the anxiety of it all. Many thanks in advance.
  8. Hello all, I would appreciate any advice on this. We had a loan with black horse taken back in 2008, due to financial difficulties we stopped paying our agreed monthly payment and went for reduced payment plan initially with BlackHorse. After about 12 months the debt has been assigned to Ascent whom we were paying the same amount agreed with BlackHorse. Couple of weeks ago we have received letter from Hilsden Securities trading as DLC informing us that BlackHorse has sold debt to them and they are now our data controller. However the amount Hilsden claim we owe is incorrect. How should we play this? When account was still with Ascent we have made CCA request and SAR request to Blackhorse. Sar is dated 17th of June with all payments that have been made up to that date. We also can prove payments made after that date. What should we do? All help is greatly appreciated as always.
  9. Wow... Cabot are becoming a debt powerhouse... The extract is from CreditToday's article of 4th June.
  10. Hi After checking my Noddle report I have a default entry in 2014 from this company I have had no correspondence at all from them before this date or since I was in financial trouble a few years ago and the ONLY debt this can refer to was registered as a default in 2007 by the original lender (who I have had no contact with since 2005 ) As my credit file was marked with a default on this from 2005-2011 can a DCA re-register a delinquient debt they have purchased after this amount of time as a default presumably on the date they purchased it meaning my credit file is marked again for another 6 years ??
  11. Hi All, I first received court papers from Aplins on behalf of Hillesden Securities dated 6th August Read alot on here and sent CPR request to Aplins Solicitors, immediate response saying they were in touch with their client and would agree to an extension of 28days. Acknowledged online on 18th August Sent CPR15.5 letter to court with copy of Aplins letter. No response so phoned court and advised to enter defence. Defence entered and accepted on 11th September, was a couple of days late but they accepted. Not heard anything since from anyone. Is it likely this has now been stayed and what should I be doing? Appreciate advice and thanks
  12. Sorry to have to use a 'reply' thread but I couldn't see how to start a 'new' topic. I have used the forums previously and have had great success. My wife bought a new car on HP in 2007. Unfortunately, we went through difficult times in 2008 and she defaulted with 'Black Horse'. The car was repossessed. sold and my wife was issued with an invoice for £12k. This was the 'defecit' that Black Horse say they lost. My wife has paid every month towards this debt. The debt has been sold on and sold on again. On 30th December 2014, I checked our credit ratings and my wife's had dropped like a stone. I was staggered to see a new company 'Idem Securities' who now say that she defaulted 'their' agreement and they have placed a new default against her name. The debt was defaulted in March 2009 and should one off (by my reckoning) in March 2015. Idem will not respond to any mails or written communication. The debt is 'defaulted' under the original HP agreement as well as by this new company. What can we do please? Stan
  13. Hi All Hope you can give me a piece of advice. Took a loan out with Yes Car Credit in Sep 2004 made repayments of over £10k over 3 years got into difficulties. Owe £3904 now. DLC did make me an offer in 2009 to close the account for £904. Hillesden Securities are reporting on my credit file default date 03/09/2008 but I believe I received a default notice in Sep 2007 from DAF. Last payment/contact with Direct Auto Finance 08/05/2008 Could someone tell me when the debt becomes statute barred and when it will drop off my Credit report. I have the ususal problems with my Yes Car Credit CCA, deposit put against insurances, PPI missold, kept in small room with my small children for 4 hours until I signed etc. but I dont think its worth pursuing any of that now I am nearly free. I just want to check when I will be free. This is the only default on my Credit Record. Thanks MrsHippo
  14. HI. Hope someone can help me here, or point me in the right direction. I had a loan with Black Horse that unfortunately, due to redundancy and not being paid from another job (long story about taking a job offer from someone i knew), I ended up defaulting on it. Eventually went to CCJ (stupid didnt fill in the forms in time ) back in 2009. June. I am not disupting the fact i owed the money. At first the Blackhorse, i was in an agreement, which i was paying a small amount per month, but they also got a charging order against my house (which is in negative equity anyway). Year or two after i got a letter saying it had been transferred to Hillesden securities / DLC. now i keep getting letters just stating amount in arrears being the full amount i owe (6450 ish). I have and am still paying £50 per month, which was the agreed amount since i started my new job. I recently had need to get hold of my land registry documents, which still shows a charge held by black horse which confused me. Is the debt still with Black Horse or DLC? Do i have an agreement with DLC or Black horse? Why do i keep getting this arrears letter? Is my agreed amount not my agreed amount (ie £50 per month. Is it what i originally had per month with black horse?) It state on the letter "Opening balance £6437. Arrears £6437" then no transactions ( i have been paying every month) and then "closing balance £6437" Would it be worth me making an offer for full and final, outstanding is £6437, but the ccj date ends in June 2015, and i don't want it re-registering because i have been paying it there is the likelihood that will happen. Occasionally they call during work hours so i cant answer, but i just carry on paying the agreed amount of £50. What is best for me to do? All help appreciated!!!
  15. http://www.dnaindia.com/money/1905975/report-jp-morgan-set-for-13-billion-dollar-fine-over-risky-mortgage-backed-securities
  16. HELLO ALL, TWO OF MY DEBTS (FROM CITI AND EGG) WERE BOUGHT BY DLC. I TOOK ADVANTAGE OF THEIR 90% DISCOUNT ON CITI DEBT AND SETTLED ACCORDINGLY. WHILE THE EGG ONE IS STILL UNDUE, THEY MADE ME AN OFFER OF 75% ON EGG BUT I DO NOT HAVE THAT MONEY SO I AM STILL PAYING THEM £1 PER MONTH. I STARTED DEFAULTING ON THEM IN 2006. I AM NOT SURE WHETHER I ASKED for a CCA file or not but all of their correspondence mention the original creditor name. So far I have been advised by DX to send them a CRA file. Which I shall do as soon as my printer is fixed. A new development is that none of these appear on my Equifax credit file any more. Do they still have enforcement powers as I have been paying them a statutory payment for each account. They have offered discounts in the past. What should I be doing meanwhile, apart from the CCA file? And while I am asking for CCA file, should I keep paying? Thanking you in anticipation. P.S: BTW ARE DLC, ROBINSONWAY, BRYAN CARTER, LOWELL SUBSIDIARIES OF THE SAME COMPANY? ARE THEY CLOSELY CONNECTED ANYWAY?
  17. Hi All, I'm looking for some urgent help - sorry to join the forum and jump on and cry out for help! I had a credit card account approximatley 8 years ago with MBNA - I spent a lot on it whilst unemployed and to keep my home, I kept up reasonably well with the payments until I was contacted 4 years ago by a company called Beneficial claims who said they could review my account to see if I had any PPI or if the agreement was unenforcable - they advised me not to continue paying MBNA as it was indeed unenforcable due to the credit agreement they had with me. At the time when I was struggling this sounded like the fairy godmother had arrived. Time went on without paying MBNA and they stopped bothering me - There are no defaults from them on my credit reference. The company that was supposedly dealing with my account dissapeared and I could not get hold of them. I then Started receiving letters from Hillsden Securities 2 years ago saying they now owned this debt and I should contact them to set up an agreement - I didnt. Time passed and I ignored all calls and then had a statement from them - not requesting payment but the debt being just over £10,000 I had further statements but no request for payments. I have now received a letter from Aplin Solicitors requesting full payment in 14 days or they are going to place a charging order on my house and take me to court - Northampton. I have no idea what to do i'm so stressed its making me ill - I am due to get married in less than 3 months and if I tell my fiancee about this she will be shattered I just dont know what to do. Please can anyone help - should I ring DLC / Hillsden and ask if i can make small payments?? Help please Here's the letter - which I need to respond to within the next two days:
  18. Hi all, I know this was stupid but 3months ago I took out a payday loan with 247 moneybox / Active Securities. I wasnt able to pay this back due to being ill and not being able to work for 2 weeks. I took out a loan amount of 100.00 plus interest. I have managed to make 2 payments totaling 73-08 They have recently sent me a letter asking me to pay the remaining balance in full of 141.62!!!! I have twice asked them for a breakdown of charges and they have completely ignored me! Surely this cant be right? a loan amount of 100.00 and total debt of 214.70?? Thats double what i took out? Can anyone help please?
  19. I've been getting letters (demands) from Hillesden Securities in respect of a debt that I have no knowledge of, because they don't tell you who the 'original' debtor is. Then I start getting letters from Direct Legal & Collections. The last one was dated 22 April 2013. Then, within a month, there was this from Aplins Solicitors.... Now, I've been a stupid 'head in the sand' person, but is it too late to send a CCA letter, and request a copy of paperwork bearing my signature? If they've got it, it may actually shed some light on what debt this is. But I don't understand what the 'Aplins' letter refers to as "this Judgement" , has this been before a County Court without my knowledge, and has there been a decision that I've not been informed of, or is it just wording designed to 'scare'?
  20. Hello, This is my first post so any advice would be very welcome. I was made redundant back in 2009 from a 10 + year job and started struggling to keep up with my credit card from Virgin money.The last statement or contact from Virgin was july 09 I then received a letter dated 29 Aug 2009 from a company called DLC telling me that my debt has now been assigned to Hillesden securities trading as DLC and that MBNA no longer own my account they do and all future payments must be made to them . After telling these that I am struggling to find permanent employment and can't afford to pay my monthly c/c payments as I have to use all money i earn to pay my mortgage and priority bills I then received a letter from APLINS solicitors informing me that they have been instructed by DLC on behalf of Hillesdens to issue legal proceedings against me for the outstanding amount under the banking facilities provided to me by there client. I then get a claim form letter from Northampton court and a response pack to which i didn't respond as I was still struggling to find work and being Embarasised and burying my head with how I was going to pay the debt and the worry of what was happening that I will loose my house I didn't know what to do. I then get a letter from DLC telling me that Aplins have obtained an interim charging order against my property and a copy of a witness statement in support of a charging order from a team leader of DLC /Instructing agent to Aplins duly authorised to make a witness statement on its behalf. When i turned up to the local court on my own a man introduced himself as Aplins solicitor and took me into a side room and started asking how it got this far and why its gone to court, I told him I had been made redundant with 300+ other people and just cant find permanent work and that my priority debts had to come first with 2 young children to feed and keep paying my mortgage he then said its a bit scary if you have not been to court before all I have to do is just admit the debt is mine to the judge when he asks if I have a defence tell him No as you don't want to loose the security of you home . I now have a CCJ on my credit file and looking through the land registry official copy of the registrar of title there is NOTHING that mentions this debt. Now back in full time employment started paying the debt off and have paid nearly half of it.I asked Hillesden if they would consider the payments I have made as a Full and Final short payment and they said NO as they have a full charging order then the other day I found this site which OPENED MY EYES to the whole thing so I asked Hillesden for a copy of my original agreement from MBNA and was told they didn't have to send me one to which i replied you do as you have took me to court and have a charging order against my property. I then received a Photo copy of an agreement its not an original agreement and dosn't have any of my signature on it only a box with a tick in it saying this is a valid means of establishing the authenticity of my signature it has my name and address but clearly looks like they have printed this off from there computer. I have contacted my local county court and they have gone through all the paperwork that was submitted to the court and there is nothing with my signature on and nothing from MBNA as an original credit agreement.I have stopped any payments to hillesden. The advice I am after is if there is no charge on the register who owns the debt ?? and as I have not heard anything from MBNA that they have sold the debt to DLC who is getting the money. Can I be taken to court with NO original agreement. Can they put a CCJ on me and a charging order. Why wont they accept the payments i have made as full and final settlement and where should I go from here. Sorry its a long post but any advice would be grateful. Thanks Graham
  21. Hi Folks, Looking for some advice please on some letters my mum has been sent from a Company called DLC, working on behalf of Hillesden Securities who now claim they own a debt which was previously to Morses Club. My mum had a loan out with Morses some years ago before they went bust, afterwards no-one came round to collect any re-payments and no letters were sent to instruct her on how to make any payments. Now she has started receiving letters from this DLC company asking for her to make payments. I have sent the letter i got from here asking for a true copy of the CCA, this was in May of this year and all she had received back was a letter confirming receipt of the request and that they would request the info required. Every couple of months she got a letter to say that they were still 'chasing up' the required paperwork but that it didn't consitute enforcement if they still asked for her to make payments. She then received another letter about 2 weeks ago from the DLC parent company 'MDB' saying that the debt had now been passed to them as she wasn't making any payments. I sent the the letter from here saying that they had failed to comply with my request for a true copy of the CCA within the statutory time limit and as such the matter was now a formal complaint. We received a letter back very quickly from DLC stating 'The logistical aspects of recovering the original documents in time was virtually impossible' and that at the time the complaint letter was received they were 'technically' in breach of the 1974 act. They go on to say that while they disagree with my claims that they have failed to respond my complaint has been upheld. They say in their letter that as payments have been towards the debt the question of liability for the debt is not in question. I have asked them several times to supply a statement of any payments made but they have failed to do this, also with a copy of the CCA we have no idea exactly how old this agreement is. They have asked that i respond within 14 days to confirm what they have written but i was hoping to get some advice on here first before going back with another letter. Any help would be much appreciated, Thanks and Best Regards, Liam
  22. i need some advice, first a bit of background this may be long I had a loan with black horse june 2006, i kept up repayments for awhile but started to struggle after i was made redundant and in august 2007 they got a ccj against me. i agreed to pay £30 a month and did so for 15 months. Then my partner was made redundant who was the main wage earner and i could no longer afford the £30, i had the order changed to £1 a month and i paid that until sept 2011 when i recieved a letter from a company called hillesden securities saying they were the new owners of the debt and i should start paying them. i wrote to both hillesden and black horse. i didnt hear anything from black horse directly but i recieved a reply from hillesden with a black horse letter attatched to theirs saying hillesden had purchased the account. i wrote to hillesden to tell them i wouldnt be making payments until i was notified by the court or black horse direct. i didnt hear anymore and forgot all about it to be honest. oct 2012 we recieved a annual statement of account from dlc (direct legal & collections) i wrote to them asking who they were and recieved a reply saying they were acting on behalf of hillesden securities to which i replied with a letter saying i didnt have an account with hillesden and asked for further details. today i recieved a letter again from dlc with their further details, black horse agreement number, agreement date, date hillesden purchased the account from black horse, ccj number and date of ccj. plus they have told me dlc are a trading name of hillesden securities. Agreement number & ccj info are correct but their dates are wrong. the loan was taken out jun 2006 cant remember exact date but was last week of june and ccj 15th august 2007, dlc says original date of agreement is 26th aug 2007 and ccj was registered on 15th august 2007. yes that means the ccj came before the agreement, these dates have been quoted several times. is the ccj still valid or do hillesden need to transfer it to their name? i have checked my files with equifax, experian & call credit and also done a check on trust online but neither the account or ccj show on any. this is the first time i have check so do not know if there was anything showing before. can ccjs be removed from credit files even though its only been 5 years since ccj was registered? i know i definately have/had a ccj for black horse. confused as i have another ccj which shows on all. they havent made any demands for payments so not sure if i should just ignore them again or if i should reply or even sar them
  23. Hello again all, I have already been here before spookily almost 1 year to the day when I got CCJ paperwork from Arrow Global and the case was struck out in the end. This time its Hillesden Securities and they already seem to be better prepared than the last lot! I'm after a bit of guidance if possible please: Claim form from Northampton CCBC dated 2nd May 2012 Claimant Hillesden Securities Ltd Via Alpins. POC: The claimants claim is in respect of a credit facility, ACCOUNT NUMBER, provided by Lloyds TSB Bank PLc at the defendants request on 03/12/1999. The agreement was subsequently defaulted. Failure to meet requests for payment resulted in the account being terminated on 15/07/2011, 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 the balance of £2341.65 was due. The balance of £2341.65 remains owing from the defendant. OK I have done the AOS on line on 15th May with the intention to defend in full. On 16th May I sent a CPR request 31.14 On 16th May I also sent Section 78 request with £1 postal order. Today I got a letter from DLC Direct Legal Collections (trading name of Hillesden securities) saying the following: We have been passed a copy of your letter dated 16th May 2012 by our solicitors. We acknowledge receipt of your request for information filed in accordance with Part 31.14 of the civil procedure rules. We are still awaiting copy documentation from the original lender and will forward it to you in due course. We confirm that your account will remain on hold until we have done so. Should you require an extension of time to file your defence pursuant to part 15 of the practice directions we will consent to an extension of 28 days. You have also requested a copy of your credit agreement under s.78 Consumer Credit Act 1974. As you have requested a copy of this document as part of your CPR Request, we are returning your fee. Yours sincerely Litigation department. The thing that is giving me some worry is that these lot sound a whole lot more on the ball than the last lot as they have already anticipated my request for an extension (which I have not yet asked for waiting as I was waiting for the reply to my requests!) Am I on the right track and I'm not sure what difference it makes that it is through Northampton (last time it was the local court to the solicitor) I am sure last time I was advised that Northampton do things automatically without the request of the claimant so how do I go about the extension they have agreed in the letter?? Many thanks in advance if anyone is free to help me out again!!
  24. Interesting....maybe the outcome of this case will see a class action by the consumers affected by securitisation: http://www.nytimes.com/2012/10/02/business/suit-accuses-jpmorgan-unit-of-broad-misconduct-on-mortgage-securities.html?_r=1
  25. 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?
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