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    • Thank you for the letter, that makes things a lot clearer. So it's a statutory demand rather than self-certifying. See what @Man in the middle thinks but to me, it seems as if the lawyer has a good strategy and seems to have covered all the bases. HB  
    • Could you post up the letter, with your personal info and their reference covered up, please? It should say Letter of Claim, but let's have a look just in case. HB
    • I know dx, a lot of it was my partner and how she felt about it. I also appear to be addicted to my credit file being clean. I still worry for my partner she has too much on as it is, but I am ensuring I manage both of ours so She can forget about. i guess in terms of time I bet masses are defaulting with this economy as it is right now and high interest rates might be the only thing going for me right now. I guess  I’ll find out
    • Please see below for an extract from the letter more about my case. You have been convicted of two matters of failing to give driver details linked to two speeding offences and been disqualified in your absence. You confirmed that you did not receive the court documentation and the first you knew about the cases was on 3/6/24. As you can make a statutory declaration it is possible that we will be able to persuade the police to accept pleas to either or both of the speeding offences as they were committed within a very short space of time and withdraw the two fail to give driver details offences as normally if you plead to one or other of the speeding or fail to give driver details the prosecution will withdraw the other related offence. If successful you would not face a totting ban. In respect of the speeding offences, it could be argued they were committed on one occasion due to the proximity of the time and location and we may be able to persuade the prosecution to drop one of the speeding offences. You are technically guilty of all the offences because you accept it was you driving when the speeding offences were committed and that you did not update your change of address with the leasing company when it was your responsibility. If the prosecution will not withdraw the two failures to give driver details offences, you will face a totting ban but will be able to put forward an exceptional hardship argument. This  may or may not go ahead at the court hearing date, so we need to prepare for all eventualities. As a safeguard we have lodged the appeal and applied to suspend your ban pending appeal due to the time limit for being able to automatically appeal without getting leave of the Judge. The court have dealt with the matter very quickly and have actually listed your matter for an application to suspend the disqualification pending appeal on the above-mentioned date. We could actually use this date to make the statutory declaration in court having explained the situation to the magistrates and then see if the prosecution will agree to accept pleas to one or both of the speeding offences as a way of resolving the matter without the need for you to put forward an exceptional hardship argument. It is possible the case would need to be adjourned so that we can make those representations, or the court may want to go ahead and hear the exceptional hardship argument. The outcome of your case is always at the discretion of the Court.  
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barclays/capquest


blencathra
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I have been handling a problem with Capquest for almost three years now

I sent for the CCA in March 2006 and Barclay's sent me back an APPLICATION FORM, which didn't contain any of the information that it needs to have before it is a Credit Agreement. I have been writing to them for ages they never answer any of my questions and i get letters back from different departments from different titled workers but all carry the same signature. this person even signed a letter from Barclay's.

I question the validity of these letters

 

They just keep sending demanding letters and ignore the questions about the Consumer Credit Act, perhaps it dont apply to them.

 

Today 6th April i was sent a letter from JOHANNA O'KEEFFE HEAD OF LITIGATION and yes the same signature as all the rest.. this letter is about

 

A STATUTORY DEMAND UNDER SECTION 268(!) (A) of the INSOLVENCY ACT 1986 DEBT OF LIQUIDATION SUM PAYABLE IMMEDIATELY

 

THEY ARE DEMANDING THIS PERSON GOES BANKRUPT . they even say that they can produce any paperwork that may be required,. If thats the case why have they refused to send the cca after almost three years. They also say that because he agreed and made arrangements to settle the alleged debt it may seem by the courts as an acknowledgment of the debt. I think not. It may also seem that he was bullied and cohersed over the phone to make agreements on an alleged debt that was not legal in the first place they also say they will be able to play telephone recordings of the client I feel they need to prove the ownership of the alleged debt before they make anybody bankrupt and up to now they have failed. I have written to them today with a lengthy letter stating all the facts and a section 10 data protection notice.

 

just another point the Application form is almost unreadable due to the printing being so bad and Barclay's put this attached to a thank you slip

with the words written on it Here is your application form for MR X XXXXXX so THEY HAVE SAID ITS AN APPLICATION FORM. Maybe they wanted to stitch up Capquest. Any extra urgent info would be a help please Regards Blencathra

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Hi BlenC,

 

Can you confirm what type of a/c this is please.

 

I assume this is nothing to do with your BC thread.

We could do with some help from you

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This is a statuory demand and you cannot ignore it.

 

You must apply to have it set aside and you have 21 days to make the application.

 

The court must set it aside if you can show the debt is disputed.

 

As they are in default of your CCA request, this can be done as many other Caggers have done before.:)

 

You can download the forms form the court service website and you will get help as to the wording you will use.

 

I'll look in tomorrow. You must not ignore it but diont lose any sleep over it, its straight forward to sort.

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Hi Blen,

 

Have they actually sent you a Stat'y Demand or was their letter threatening it.

 

Either way, read here - http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/135078-me-1st-credit-stat.html

 

and here - http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/112326-dcas-statutory-demands-few.html

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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