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    • Hi all,        I really need to start my own thread on this Claim with Overdales/Lowell for a Cap One debt. but have already got to this stage .. My initial question for the moment - until replies come in - is that I figure my main stance is that a purchased debt cannot be claimed, debts can only be claimed by the original issuer of the debt .. but mediation is about coming to an agreement. So would I be acting in bad faith if I enter into mediation yet not seeking to come to a financial agreement? Also, I need to reject the scheduled time slot and ask for another as I'm not going to be free during those hours. The wording of the email gives the impression that I am given this one slot and if I reject it, then I am rejecting mediation - there is no mention of rescheduling, only of freeing up the slot for others .. although, I would have thought it would say so, if there were no possibility to reschedule.. Can I ask for another date without issue?   Anyway, if it's more helpful, I am happy to post up my defence and start a proper thread? I had a lot on at the time and had to do things right away due to the time limits, so didn't feel I had time to come here and go back and forth for info, so put my defence together from reading through relevant threads, late at night. CCA request appears to have been fulfilled (I'm still to check the accuracy of the documents). The other thing, asking solicitors about the particulars of the claim, hasn't .. although I forgot to ask for proof of postage and didn't send recorded post either (whereas the CCA I did), so not sure if I can pursue that easily ..?  
    • There is a plea guilty website...   Screenshot 2024-05-22 144200.pdf
    • Looking for a bit of assistance. I moved into a rented flat on 20th April 2024. I viewed it on the 14th April. Before I moved into the flat, the letting agency provided me with an offer sheet, in said offer sheet I made a number of requests and conditions related to me progressing with assuming the tenancy. These were: 1. A professional clean of the flat prior to move in date. 2. The hob, shower glass and bathroom cabinet be replaced prior to move in date. These were all planned actions by the landlord when I viewed it. I could see the boxes for the hob and other items in the flat. I prepared to move in on the 20th April but none of the work mentioned in the offer sheet had been completed. The standard of the clean was abysmal - mouldy food left in the fridge, nothing wiped down, bathroom mouldy etc. The hob, shower glass and bathroom cabinet were also not installed. I decided to not officially move into the flat as it was not in a condition as promised, my partner lives relatively close by so I lived with her initially. It was only on the 24th April that the hob, shower glass and bathroom cabinet were installed. The cleaners visited again 2 weeks after move in date (3rd April) and attempted another clean of the flat. Again, it was a poor job. I resorted to cleaning the flat myself. I have numerous pictures of the things I identified during my clean and have sent this all to the letting agency. Because of the issues faced, I asked the letting agency that the rent be reduced for the initial month. Exactly halved - to represent the 2 weeks that I was not living at the property. The landlord and letting agency have responded by saying that they will be willing to accept 1 weeks rent as a deduction but not 2. My question is, am I in a strong position to insist on the 2 weeks rent returned or have I been fortunate that they have even offered a weeks rent as a deduction? I would like to insist on the 2 weeks. I have paid the 2 weeks only as my rent collection date passed 2 days ago. Thank you for any assistance. Any further relevant details required let me know and I will provide.
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Dave V Orange (Arrow) HELP


anney63
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My son like a fool; got an orange contract phone for a friend in 2000. Some friend he ran up a 700 bill and then went to Ireland and left my son with a bill he couldn't pay. Orange chased him he explained the situation and realised he would be liable but just didn't have the money. Ignored all letters and out of the blue a few months ago got a court summons from Arrow he defended with the statute barred scenario and has just received an allocation questionaire which i haven't as yet had sight of to see if it is genuine.

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Sorry i don't understand why are they in trouble if they took the matter to court and it was defended and then they have taken to the allocation questionaire stage and not accepted the defence how are they in troublw a bit confused with all this

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I probably msiunderstood - it seemed that they had sent an AQ without having submitted a claim and/or giving you a chance to defend.

 

We have a coup-le of cases in the last week of one company 'helping' by submitting a defence on befhalf of the defendent.

 

If you are genuinely at the AQ stage and the debt is statute barred then you should send draft directions ordering their claim to be struck out under CPR 3.4(2)(a) because their "statement of case discloses no reasonable grounds for bringing the claim" because of s5 of the LImitations Act 1980.

 

 

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The prospect of a pursuer 'helping' a defendant by submitting what is in effect a fraudulent statement defies logic. On the one hand, if an AQ in response to a non-existent/pending action as a 'scare' tactic' it has limited value. The pursuer would most likely rely on any action it takes being undefended, as it will then be able to obtain judgement by default and can arrange for enforcement, a much better method of getting the defender to pay.

 

IF the whole thing is a sham, that there is really no pending action and the pursuer is using the AQ as a ploy, then I think the courts would look upon this as the return of the 'blue frighten', when non-authenticated court documents were sent out as 'real', to confuse and alarm the debtor.

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Right at last I have all paperwork to hand.

The actual Court summons was Sent by Eversheds on behalf of Arrow and states an account number for Orange. My son defended on line as the only thing he could think of was an orange bill going back to 2000-2001 which would be statute barred. This is what he used as his defence and then received the allocation questionaire. What do I put on the AQ. Do I ask for a CCA or just state that the debt is statute barred and that he has no debt with Arrow Global thgis has to be in by Monday. Luckily I can hand deliver to the court.

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I suggest that you fill in the AQ as described here - http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html and include draft directions as described here - http://www.consumeractiongroup.co.uk/forum/bank-templates-library/147609-draft-order-directions-including.html but based on the limitations issue. I suggest wording

The cause of action in this case relates to a default in an agreement with the claimant dating from 2000-2001 and the claim is thus barred under s5 of the Limitations Act 1980:

 

"5 Time limit for actions founded on simple contract

An action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued."

 

I respectfully request the court to make the attached order

in the relavant section onf the AQ and the order itself:
Usual heading

 

1. That the claimant's statement of case be struck out under CPR Part 3.4(2)(a) as the statement of case discloses no reasonable grounds for bringing the claim since the cause of action is over 6 years ago and is therefore time-barred under s5 of the Limitations Act 1980

 

 

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THanks Guys . So I just enter the second paragraph under g in the AQ and the first paragraph on a seperate sheet under ther heading of draft directions is that right. I am most grateful for your help. Anney:)

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THanks Guys . So I just enter the second paragraph under g in the AQ and the first paragraph on a seperate sheet under ther heading of draft directions is that right.
That's what I would do. Use the format for darft directions from the link above.

 

 

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Hi everyone,

I've been a bit worried today as this morning I received a knock on the door opened it and there was some guy stood there with a pager asking if my girlfriend lives 'at this address', I confirmed this and he then asked me if she has had an Orange phone in the past. I said I hadn't a clue and realised instantly what this guy's game was. 'He's obviously from a collection agency' though he never introduced himself or stated whom he worked for.

I remember my girlfriend had had some trouble with a contract she had when she was a student five years ago, she couldn't pay the contract after some time and eventually they cut her off. This was five years ago, and basically I'm wondering now he's "confirmed her address" what will happen? I only ask because I've never had to deal with these types before and need some advice if they return or send us a letter, obviously she has moved in these five years and doesn't have any of the billing or documentation anymore so what can we do?

Thanks.

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