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    • Hello, Following the submission of my defense, last night I received an email from DCBL indicating that the claimant intends to proceed with the claim (I've attached a screenshot of the email for reference) along with the N180 directions questionnaire. I'm unsure how they obtained my email, but I suspect it was through the courts' form when I completed the Acknowledgment of Service. This email almost slipped my attention. I have also today received a letter from court to state they have received my defense.  It appears they are requesting an online telephone hearing with the court. Could you please advise me on the necessary steps I should take at this point? Thank you for your assistance. Letter-Email 25-04-24.pdf N180 - Directions questionnaire (Small Claims Track).pdf
    • Default Amount £9237.88, all this started in 2006 Admitted debt £9075.65 Weightmans added £1515.01 immediately they became involved, no explanation The Statement shows when Marlin bought debt in May 2011 £10439.25 Their statements, not received until the SAR, are based on this. Cabot deducted £1515.01on their statements in January 2019, again did not find this out until SAR. Weightmans added in  2007 after the CH1 etc was confirmed by the court £741.50, made up of Process server fees, Court Fee (they tried for bankruptcy), Solicitors fee and Land Registry fee. Unspecfied Legal costs were added by Marlin in March 2015, again I did not know this until statements received with SAR I had been paying monthly, without exception until December 2018. I am minded to take the property charge, CH1 amount ,deduct all my payments and the subsequent fees, and request/demand a refund on the final payment made? I consistently disputed Weightmans balances, but they never responded. I also told Mortimer Clarke/Cabot that I disputed their amounts.  
    • Just follow this link and have read of some threads so your familiar with the process https://www.consumeractiongroup.co.uk/topic/347310-legal-n180-directions-questionnaire-small-claims-track/#comment-5178739
    • Sorry,  I'm not familiar with terminology.  Direction questionnaire is what I've seen online as next step. Witness statement: I haven't gone that far, that's why I put the question marks.
    • 2. Is correct disregard 1. You must attend ad per the order 
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Welcome finance please help


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in your case i would put everything in a letter and see if you can get an explanation from welcome compliance

 

if you need help just shout

 

send that letter to compliance and the account is still in dispute until they give there final reply

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  • 4 weeks later...

good morning

I've only just read this thread so things have probably moved on since te last post on 24th August

 

I can't comment on the enforceability of the agreement but it appears to me that the numbers are correct.

The cash price of the vehicle was £5430.00

The total charges are £3996.88

The total cost was £9426 as stated

 

There were to be 48 payments of £175.56 = £8426.88

plus deposit £1000

total to be paid £9426.88

 

regards

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remember

 

the Sun is always shining, it's just that you can't see it sometimes

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  • 3 weeks later...

Hi all

I'm feeling so rubbish and defalted at the moment not sure where to go from here i've written so many letters to this company i dont see anyway i just called them to see where they are at they told me to redial as the account has been passed to central recovries so i call the number the man said that as i didnt take up the offer it wasnt written down and that they are not prepared to make any more offers and if it was a ppi issue i should contact the compliance dept i asked for his name and he would only give me his first name said hes not comfortable giving me his full name but would put a note on the account that i called and as long as i dont accept the agreement it would get further into default i told him that the account is in dispute not a default and that you are not allowed to put a default on my brothers credit file and this account has been in dispute for 2 years. i have paid £8995 already on this car its still has over 6000 attached to it so i cant even sell it please help guys i dont know what else to do :confused:

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yeh they are postie, man i feel so depressed over a car!!! what is that about i dont even know what to ask for anymore cause i cant even sell the car and they wont give me the ppi refund so im stuck im going through the mortgage rescue scheme at the moment as well so i dont even know the outcome of that yet so this is just going on top sorry about my rant but the car is barely worth 1800 if im lucky!

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