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    • you need to ring northants bulk and ask for a copy of the judgement and the claimform by email pdf. it is quite usual for them to not have a copy of the claimform. so you need to record the call and ask them to read out the particulars of claim and the address it was sent too.     old wives tales , if you have a debt owing that shows on your credit file or you know exists from say the last 7yrs you should NEVER move without WRITTING to the debt owner with your new address. never run from debt which falls within the above .     all mortgage style SLC loans that were not deferred with erudio following the gov't sale in 2013 and that did not have a court claim raised within 6yrs are SB'd.   drydens simply did this because they wrote to your old address, got no response, and knew they'd get a default roboclaim CCJ where no human checks anything.   shot yourself in the foot.      
    • yep.   if all these are still owned/with the original creditors and you are not paying any powerless DCA's  then little point in any CCA requests at this stage unless any (non OD A/C's) are say pre 2000 opening.   our pro rata letters are the way to go you'll find those in the debt collection section of our library.   get any income payments on going or otherwise moved into a parachute A/c.   it is most probable that whatever you do most A/c's will be defaulted once this is done if not already. bearing in mine your wish to re mortgage or move in a future, it is most probable that the quicker you do default , the earlier a DN will be registered thus the earlier these will not show following their 6th birthday. this might involve you thinking about stopping all payments now ensuring this does happen, then resuming payment under a pro rata scheme self administered , once this happens.   just be aware that no DMP providers will ever question enforceability, should that be relevant.     
    • LL would have Absolutely no chance of getting the smart meter changed back.....
    • slow down ...read what i'm asking , stating and trying to clarify.. it all might seem useless or totally irrelevant but it's important information moving forward with the whole situation and useful in the SPC claim moving forward     there was not 2 loans - the litigated OD is not a loan but it appears from your comment here..     sorry but then you did get scammed on many fronts... they allowed you to settle the loan exploiting your confusion over thinking it was the litigated account. they didn't tell you either and they would also have been aware of your statement filed response form:   The respondent had a junior account with the Bank of Scotland since a young age.  The Bank of Scotland offered the Respondent a loan of around £2500. This Respondent serviced the loan until losing her source of income and ran into some financial difficulty resulting in defaulting in servicing the loan.   they settled for a discounted sum... why? we usually find this is because they hold no enforceable paperwork at all. or was full of charges , charges could have been the discount or it could have been due to 'a business decision' ...   but sure as eggs is eggs there is no way 1st credit would not have raised a court claim for both the OD and the loan unless there was a very good reason. they didn't that smells...badly.   OD 's are notoriously difficult to litigate upon if defended properly...but with a loan in the same claim, with enforceable paperwork, they would have almost been guaranteed to win.   it's also a shame you didn't come where before you did anything but we are where we are.   now the above might seem harsh..even petty but our posts are not only for you and your issue they are also for future readers that find us via search engines or read like threads here alerting debtors to frequent pitfalls and innocent wet myself actions many do that all these dca's will and have exploited time and time again over the last +40yrs .   i'll try and get around to properly redacting all your pdf's tonight and get them back up. but before i finish and get on with the above........the status of the claim as it stands now.   From what i can gather the claim now hinges upon proving her ex at the time settled by a discounted payment to HBOS well before the sale to Intrum and the SPC Claim.   In all honestly and with regard to your comments in your previous posts upon his character, i seriously doubt this ever happened. the disclosures from Intrum contain all the OD statements , should that have happened, it would be detailed in those.   there is little point in the claimant hiding that info as they would be in far more legal trouble should they have doctored them than insuring a mere +£1k claim win. Even 1st credit wouldn't pull such stunts.   Sorry but there is little point in requesting HBOS to attend any future hearing, nor hoping the SAR shows anything different to the statements the claimant has disclosed . That will cost you more money , and more money in terms of the claimant attending another hearing.   there is one exploitation i see. that being the mention of a default notice. the claim states:  The respondent fell into arrears under the Finance Agreement. A Default Notice was Issued by the Original Creditor .   now default notices are not issued for OD A/C's (which ties in to the possible loan confusion and scam settlement i mentioned) . This tallies with a common mistake that many DCA's, including why i keep mentioning 1st credit, which is the previous name for Intrum, made on numerous claims and was one of the reasons for the name change. To Hide that They lost many Statutory Demand and court claims over the non existence of a DN or proof of it's issuance by the OC (a DCA can't issue a DN) .. No copy of a default notice is fatal to to successful  litigation.   even though in this OD case one was not ever needed. (Poor particulars of claim showing copy and paste, and never expecting a claim to be defended but responded to by a wet themselves response , which you did by settling a loan which you believed was the claimed debt when it never was)    other than that you indicate you made an OOC F&F offer in 09-20  have you advanced this option since ?   dx
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

Swift Advances. Secured Loan Charges reclaim


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A call to all Swift Account holders for information:

 

Can you please tell us which bank account you pay your Swift payments into?

 

To protect the site we ONLY want the last 4 digits of the sort code and the last 4 digits of the account number

 

Which Bank:

 

sort code: xx 1234

 

Account : xxxxx1234

 

Please find out from your direct debit payments or your bank statements and post them here....tick tock....:D

 

Thanks

 

 

Yes you can pm Sparkie1723, pkelly or me but if you can just post it up here on the thread as nothing is confidential and pm boxes get filled.There's no point pm'ing sparkle72 with it as he already knows :p I need to know as many of these as I can from as many of you who can tell me too. Not everyone has these details as they pay by direct debit, but you can find out from your bank - they will tell you the recipient account. It is quite important -Thank you.

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You're being very polite s/m/c have you had a good day or something?;)

 

I'm glad that Pkelly isn't on tonight maybe I can get to bed early

 

sparkie

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You're being very polite s/m/c have you had a good or something?;)

 

I'm glad that Pkelly isn't on tonight maybe I can get to bed early

 

sparkie

 

...and we might get some sensible posts too...;)

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http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20492-legal-actions-explained-company.html

 

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http://consumeractiongroup.co.uk/forum/getting-out-debt/128587-info-cccs-payplan-experiences.html?highlight=Payplan

 

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guess whos just flew in:D got myself one of these rasberry things so now I can logg on anywhere :D especially when my ears are warm lol

pick up a penquin two systems for the price of one:?:

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a) You're being very polite s/m/c have you had a good day or something?;)

 

b) I'm glad that Pkelly isn't on tonight maybe I can get to bed early

 

sparkie

 

a) I am always polite sparkie - so naff off!

 

b) He's back, so bang goes the beauty sleep :grin:

 

Sunray, thanks...keep them coming folks..

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cant work this rasberry ting worse tahn mobile am in arport so be flying soon oh smc you are worse than a magnet at least it has a possive side lol

pick up a penquin two systems for the price of one:?:

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Here's a sensible post ...........I am on the track of the fact that Kestrel No1 are involved in mezzanine borrowing that in my understanding is the involvement of SPV's which in turn leads to securitization which Mr Webster has denied takes place in their group activities??? more investigating is continuing, using various means at our disposal..

 

sparkie

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what med.... borrowng boss borrowing someones cough bottle:confused: has johnny da dose of the skitter

 

 

Don't know about cough bottle you must be on that wasssaammarrra or whats it called "marriedinhavana"

sparkie

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Hi Sparkie,

 

Mezzanine finance, is cheaper than equity financing and does not require the company to give up equity.

 

 

Can you enlarge upon that sunray...can you explain the difference and sparkie, where did you get that mezzanine word at this time of night?

 

Sorry, trying to be serious for once...

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Hi Sparkie,

 

Mezzanine finance, is cheaper than equity financing and does not require the company to give up equity.

 

 

Not on what I have just read on the debenture they undertook they handed over every thing from the time they signed the debenture ...but they hadnt got anything

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Can you enlarge upon that sunray...can you explain the difference and sparkie, where did you get that mezzanine word at this time of night?

 

Sorry, trying to be serious for once...

 

 

Off the 395 Kestrel filed at Companies House 13th July 2004

Funder Bank Barclays ...security agent Indigo Capital ..... Presentor Solicitors DLA LLP

Noble Street London

 

This also has some strange wording on it ...Time critical application....seems as if this company was incorporated to borrow money in a bloody hurry..just my view

 

sparlie

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Hi Sparkie,

 

 

Its been a while since I covered this stuff, not one of my strong points,and as you know I don't have a lot of time at the moment to spend on it, but what was their debenture secured on then?

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Hi Sparkie,

 

 

Its been a while since I covered this stuff, not one of my strong points,and as you know I don't have a lot of time at the moment to spend on it, but what was their debenture secured on then?

 

 

That the question .they had only been in business 23 days what could they have as security?

 

 

I know even less than anyone but you can't get a mortgage if you haven't got a house UNLESS ???????? left to peoples imagination......that's how the yanks did it getting millions on a waste bit of land that belonged to the city councils

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Please note that this topic has not had any new posts for the last 3720 days.

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