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    • okay, perfect and thank you so much for the help once again. so firstly i am going to initiate the breathing space, during this time it's likely ill receive a default. when i receive the default are you aware of how long it will take for me to know whether the OC have sold it off to DCAs? Once it's with the DCAs i do not need to worry as they cannot issue a CCJ only the OCs can Even if i decide to come an arrangement with the DCAs no point as the default will remain for 6 years paid or not paid I should only consider repayment if the OC still won the debt and then issue a CCJ? Just to confirm the default will not be seen after 6 years? No one can tell I had one then after 6 years ill be all good?
    • I'm not sure we were on standard tariffs - I've uploaded as many proofs as I can for the ombudsman - ovo called last night uping the compensation to 100 from 50 pounds for the slip in customer service however they won't acknowledge the the problem them not acknowledging a fault has caused nor are they willing to remedy anything as they won't accept the meter or formula was wrong.   I'd appreciate more details on the economy 7 approach and I'll update the ombudsman with any information you can share. 
    • To re-iterate and highlight my urgent question on this one: The N24 from the court did not include any instructions to submit paperwork 28 days before the date, unlike the N157 received for other smaller claims. Do I have to submit a WS for this court date? Link has!...
    • No, reading the guidance online it says to wait for a letter from the court. Should I wait or submit the directions? BTW, I assume that the directions are a longer version of the particular of claim accompanied by evidence, correct?
    • Thanks for opening, it's been another rough year for my family and I've procastinated a little.. Due to the age of my defaults on this and other accounts (circa 2021), I really need to avoid a CCJ as that will be another 6 years of credit issues. Mediation failed as I played the 'not enough info to make a decision' however during the call for some reason they did offer settlement at 80%, I refused. this has been allocated to small claims track, court date is June 3 and I've received their WS. I'm starting on my WS. They do appear to have provided everything required of them (even if docs could be reconstructions). Not really sure what my argument is anymore but I do want to attend court and see this through. Should a judgement be made against me then I will clear the balance within 30 days and have the CCJ removed - this is still possible isn't it? I'm going to be reading up today and tomorrow and hope you can provide me some guidance in the meantime. Wonder what your advice would be given the documents they have provided? I am now in a position to clear the debt either by lump sum or a few large installments - Is this something i should look into at this late stage? Thanks as always in advance
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Illegible application form, CC claim! *CASE STRUCK OUT*


Nicegirl1
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Congratulations Nicegirl1,

 

I dont have any idea as to the default matter but as regards the costs, in my opinion you could send a letter to the dca letting them know that you are intending to ask the court to award costs, when youve recieved confirmation that they have got it (because you will have sent it Special Delivery and recieved a signature on rec and of course adding the cost of this to your costs).

 

Then send a copy, and request to the judge/court. It wouldnt hurt and the worst they can say is no!

 

Ultimately its up to you if you want to go throught the extra expense of requesting costs....it would be worth it if the judge sided with you and awarded them, and you will have lost nothing but your postage and your time if they say no.

 

I am sure that someone with more knowledge regarding the default issue will be along soon with an answer.

 

Once again... Congratulations!

 

MONX

Advice given is my opinion only, I am not a legal or financial expert (far from it).

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  • 2 months later...

hiya Nicegirl

 

how did all this end pls

 

very interested if you can post anything that will help me much appreciated

 

hope it was a success for you

 

take care laters angel x

 

ps again ive learnt a lot more from reading your thread:-)

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Hi everyone,

 

Well, thanks to the fantastic help & support from this forum I stuck to my guns and eventually the case was struck out by the court!

 

I think the key is to communicate with the court and copy in Cohens and emphasise that you are co-operating but that Cohen's disregard for CPR makes it impossible.

 

As far as mediation went I just wrote to the mediators (copying in the court and Cohens) saying that unless Cohens could substantiate their claim there was no matter to be mediated. I never heard from them again.

 

I'm now going through the process again for my husband who receieved a claim from Cohens for an Egg debt that they described as Barclaycard in the particulars. Anyway, as it's one/nil to me I'll fight on.

 

Thanks again everyone

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Hi Nicegirl and CONGRATULATIONS on your win. :D

 

Great result and I'll change your thread title to reflect your success.

 

Please remember to donate anything if you can, so we can keep helping.

 

:)

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FANTASTIC, NEWS well done and thank you so much for getting back to us on this win,

 

i too will be looking at your thread with interest again

 

laters angel x:D

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Hi Nicegirl,

 

Did you seek a Wasted Costs Order regarding this. May be too late now but something to bear in mind for the next time. ;)

 

:)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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