Me & My Debts

[1littleduck]

Hi again, forgot to say, I had a letter from the courts today saying they have got my defence and are sending it to the other side..I have to wait for them to reply

[questioning]

Hi,

Yes its that waiting game now. Post back if you receive an AQ. Lets hope you don't hear anything though. Remember they only have 28 days to inform the court if they wish to proceed.

As Emma said in her last post, Same goes for me, if you need a chat just send me a pm. Anytime.

Be lucky Q.x.

[1littleduck]

Hi again Questioning and Emma, sorry it's been a while, but I am struggling a little and am depressed....but I had a thought today, that is when I send the letter to the solicitors requesting all of the paperwork, he replied that I was not intitled to it and referred to me using a forum, should I mention this in court?

All i have for the court case, when it comes, is the few statements they sent and the copy of the agreement, it may help me if I can show the judge that they have not tried to help me in the situation.

They can say that I didnt reply to the first solicitors letter, b ut this was passed to GP and they should have replied on my behalf, this shows that I was trying to sort things out and even paid for help that never came.

[emmaf01]

You have done everything possible, 1littleduck.

 

As long as the letter stating that they would not comply with your request did not have "without prejudice" written at the top, you can include it information provided to the court. From what I remember it doesn't. And they judge is going to be rather upset about their behaviour because of it!

 

Find out if your GP ever responded to their letter- they should be able to provide a letter saying you passed the letter to them to reply, whether they replied or not.

 

Finally, go to the CAB regarding your boyfriend/living arrangements. You do not have to live like this. Your ex is not able to dictate terms and you should not be expected to live like this. Because you are depressed he is making you feel worse and damaging both your health and self-esteem. You own half of that house and you need someone on your side to balance out his lies/threats/manipulation. He is evil, treating you in this way for his own benefit. The CAB have access to legal advice which will help.

[1littleduck]

Hi Emma,

Thanks, you really are a great help to me, I am a little more possitive as I am also fighting N/W and have had some really good responces so maybe things might change alittle for me....the 2 cards taking me to court are I think, just the start of a long list, but I am trying to do them one at a time...I noticed that you won with the n/w but cant find any threads for it, I know it is a topic on another thread I have going, but any information you can share would be great..

I am still considering BR, as this may put an end to all the problems...but really dont want to do that and have found out that HE wont be automatically offered first refusal on my share of the house, they say I should find someone willing to buy it...so that will stuff him up anyway..

[emmaf01]

I don't know how you are managing, 1littleduck. I have been in a similar situation with an ex and wouldn't wish it on anyone.

 

Natwest was a bank charges thing- I won quite easily in comparison to the others. If I can do anything to help, just shout.

 

BR should be a last resort, of course. If you can avoid it, brilliant.

[1littleduck]

Hi Emma, it was the Nationwide, thats who is also taking me to court...thanks for your reply, I have had a day of work today as I'm not up to it so I thought I would try and sort myself out and try looking at things in another way..

[emmaf01]

Nationwide was for bank charges too- prickly b***ers who closed my account after I won.

 

Any help just shout. I had to make a court claim before they paid up.

[1littleduck]

Hi all,

It is now 13th Nov and I have not had a responce from the court to my defence, what should I do...just wait?

I have opened a letter from the HFC bank, this was one sent to me on 3rd October, which I have given a link to. The letter states that they are closing the marbles card down so I think they are now going to issue all peeps that have the marbles card with a new cca that complies with the law.

http://i534.photobucket.com/albums/ee344/gangsta_caz/LastScan-4.jpg

 

I would think that anyone with the marbles card should not accept the new card and hopefully have the old one written off.

[surfaceagentx20]

If you had a letter from the court on 9 October, the other side would have recevied one the same day. The one the other side received would have told them toreply and indicate if they intend to carry on with the case inside 28 days and that if they did not give such an indication the case would be stayed.

 

I'd telephone the court and ask if that reply has come in from the other side.

 

Let us know what the court tells you.

 

x20

[1littleduck]

Hi...I have just spoken to the court and they say that the solicitors have not responded and they case has been stayed....they can lift the stay at any time and ask for the case to be transfered out...whatever that means...they said to phone the solicitors, but I dont want to as no news is good news...lol

On the last letter i received from HFC they said that the account would be closed from the 27th Nov...if the card has not been used within the last 12 months, so if they have closed the account is the debt still outstanding (link in above post) as they no longer deal with orangemarbles?

[1littleduck]

Hi all, should I just leave it now, or should I contact the HFC to find out what they are doing....not sure what to do, coz if they are not going to take it any futher I dont want to rock the boat!

[1littleduck]

Hi all,

I have received an a/q from my local court which has to be replied to by 1st January. I have another thread going as Nationwide are also taking me to court, so I have filled in the questionaire in the same way as the other one received. I hope I have done the right thing..any advise would be very welcome.

[1littleduck]

Hu all,

Could anyone tell me if the CCA request letter is the same for credit cards and personal loan agreements taken out with your bank? I have already sent the CCA to the credit card companies, and need to sort out my unsecure loans.

Thanks for any help!

[Alphageek]

As long as the loans were for 25000 or under, then yes.

[mcg68]

Do store cards come under the same category?

[cerberusalert]

Do store cards come under the same category?

 

Yes

[Pinky69]

Yes- a store card is running credit, the same as a credit card.

[1littleduck]

Thanks all, now I can send them, and will keep you all posted on the outcome.

[dazzabambra]

hi sorry to tag on here but i cant find the new thread starter !

i have loan with lloyds bank

i requested a copy of the cca on 20th july 09 using a template of this site enclosing my £1.00 cheque . my cheque was cashed but i heard nothing

on the 11th august i sent a second letter template from this site entitled account in dispute,i have today ,28th august 09 ,received a letter from lloyds containing a copy of a form titled FIXED LoaN AGREEMENT REGULATED BY THE CONSU,ER CREDIT ACT 1974 .can anyone tell me if this form is legal and what it should contain ( i may be able to post a copy on here or i can e mail a copy)

also can anyone addvise of the next steps i should take

i owe £16,000 to lloyds am on benefits due to disablity and have no way to make payments on the loan

i stopped making payments roughly a month ago

[cerberusalert]

hi sorry to tag on here but i cant find the new thread starter !

i have loan with lloyds bank

i requested a copy of the cca on 20th july 09 using a template of this site enclosing my £1.00 cheque . my cheque was cashed but i heard nothing

on the 11th august i sent a second letter template from this site entitled account in dispute,i have today ,28th august 09 ,received a letter from lloyds containing a copy of a form titled FIXED LoaN AGREEMENT REGULATED BY THE CONSU,ER CREDIT ACT 1974 .can anyone tell me if this form is legal and what it should contain ( i may be able to post a copy on here or i can e mail a copy)

also can anyone addvise of the next steps i should take

i owe £16,000 to lloyds am on benefits due to disablity and have no way to make payments on the loan

i stopped making payments roughly a month ago

 

If you go to Debt Collection Industry - The Consumer Forums and scroll to the bottom of the page and click 'New Thread' you'll be able to start your own thread & won't get lost in here.

 

When you start your new thread, post up what they've sent you, remove any identifying details.

 

If you upload them to TinyPic - Free Image Hosting, Photo Sharing & Video Hosting & then copy and paste the URL back here we'll be able to see them.

 

On the Tinypic page left click the 'choose' button & a seperate window will open, choose which file you want to upload and left click 'open', the window will close then left click 'upload now' button. Your document will upload to tiny pic & the page will refresh giving a list of links. Just copy & paste the Url link back here & we'll be able to see it.