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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.
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Hmmm got WF CCA back


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Heya on Monday I sent the CCA letter to Welcome,today I received my pound postal order and a letter which has on it my name address etc

and looks like this

Dear......

 

Account Number-********

Current Arrears-********

Account Balance-********

 

THATS IT not even a yours sincerley,so what next for them please :rolleyes:

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Nothing...The clock is ticking, you have made the request and they have 12+2 days to respond.

The Grand essentials of happiness are: something to do, something to love, and something to hope for.

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Nothing. They have 12 + 2 working days to produce a copy of the agreement and if they don't, they can whistle for any payment. Returning the £1 doesn't absolve them from their legal responsibilities to fulfil your request.

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Nothing. They have 12 + 2 working days to produce a copy of the agreement and if they don't, they can whistle for any payment. Returning the £1 doesn't absolve them from their legal responsibilities to fulfil your request.

 

 

Working days or days in general,if its working days they have until the August 5th?? OK thanks guys il get back to you if i get anything xxx

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  • 2 weeks later...

Just to let you know, do not pay them another penny as your account is officially in dispute.

 

Do not phone them, just wait and see what they come back with.

 

Probably nothing though if it was anyhthing like mine ;)

Andy...

 

 

 

 

 

 

 

 

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Heya sent off CCA to Welcome and within the 12+2 days got this answer

scan0002.gif picture by discodolly_2008 - Photobucket

 

Obviously not the correct item I asked for so waited until the full 12+2 days were up and sent second letter and got this reply

scan0001.gif picture by discodolly_2008 - Photobucket

 

What now please :D

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You need to remove the bar code and the square box, as it identifies you, to them, not us:D

 

And the account number on the first scan.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Send the imbeciles the account in dispute letter or:

http://www.consumeractiongroup.co.uk/resources/templates-library/86-debt-collectors/582-possible-letter-when-a-questionable-agreementapplication-is-sent

 

If these are what you have sent them, then don't send them anything!

If they persist in attempting to collect on a disputed debt, then you need to report them to the OFT, TS, FOS, and get a copy of their own complaints procedure and wring it dry..:D

 

 

Boo;)

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Ok ta ive removed the whole document,um so ive sent the second letter what will happen??

They have had the chance to produce CCA and times up and like ive said ive sent second letter so what next please

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Send the imbeciles the account in dispute letter or:

http://www.consumeractiongroup.co.uk/resources/templates-library/86-debt-collectors/582-possible-letter-when-a-questionable-agreementapplication-is-sent

 

If these are what you have sent them, then don't send them anything!

If they persist in attempting to collect on a disputed debt, then you need to report them to the OFT, TS, FOS, and get a copy of their own complaints procedure and wring it dry..:D

 

 

Boo;)

 

 

Yup thats the one ive sent so now just sit back and wait???

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Yes, they have failed to reply with a legally enforceable document, and as such, your just reminding them of this fact.

Whilst the account is in dispute, they should not continue with any collection activity against you, this includes sending you any letters stating that you have a moral obligation to pay, or even selling it on to another DCA.

 

In either case, you must report them to the OFT, and TS, if you need the contact numbers/addresses just ask.

 

Have you been using recorded delivery?

Just make sure you keep a copy of all letters you send to them, and any that they send to you, also, keeping the envelopes they come in is also advisable, as certain letters should be sent recorded and not their default 2nd class or 'walk sort'.

 

Just sit back and wait for a reply, in the meantime have a browse through the site for other people in the same situation.

 

 

Boo;)

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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No worries, as long as they are in breach, then they can't continue with any legal collection activity.

 

Which begs the question can they use illegal collection activity?:rolleyes:

 

Only joking, Boo;)

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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