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    • I Hope you can hep me please.   I have received a letter of claim from lester aldridge for Intrum uk finance limited    stupidly i didnt realise it was dated 26th October, so I will not be able to reply within 30 days but post!   it was for a halifax cc originaly owned by moorcroft in 2018 then by intrum from 18/7/19.   i sent a CCA request to moorcroft end of 2019 and recieved reply early Jan 2020. acknowleging receipt of CCA and requested files from client. also stated they are not seeking enforcemnet.   received a huge package of statements from 2012  to 2018 with a covering letter saying please see copy of bill/statement/breakdows/agreement   i cant see any terms and conditions or my signature of setting up card agreement etc?   I would greatly appreciate any help you can give me in terms of what choice i have for the PAP letter? do I phone instead to be within the 30 days? or fill it in anyway. If so what option do i select, is it that I dispute the debt etc?   many thanks  
    • Yes they can......its irrelevant if its statute barred or not...because they will get a default judgment but only if you have moved and not informed them of your new address...as your previous known address is deemed good service.   If you have informed them of COD and you have not made payment or acknowledged the debt within a period of 6 years (5 Scotland).....you simply defend on the basis of the claim being statute barred...but you can only do that if you get the claim form and defend in full....hence the need to keep your address up to date on all financial matters.   The statute of limitations can not be extended in any scenario.....but who would know unless you defend the claim.   Andy    
    • sorry didn't mean to come across as demanding...apologies I know that I don't have a CCJ but i was wondering if a DC could bring a CCJ against someone after they had not been in contact for over 6 years, on the basis that the debtor had not told them that they had moved, ie could the DC use that as a reasonable reason to extend the 6 year period? Even if the debtor had not acknowledged the debt or made any payments, for over 6 years. sorry I know what i am trying to say but probably not expressing it very well.
    • yea ok have patience we are volunteers you know.   we call backdoor CCJ's roboclaims. northants bulk issues 750'000 a year - that exactly why it was setup by the court system as no-one checks anything and no humans is ever involved so yes you can get get a CCJ on an SB'd debt if you've not told the debt owner where you now live there are 100's of backdoor CCJ threads here already.
    • OK, so as time is running out ...   Get the CPR off tomorrow with a free Certificate of Posting from the post office.   Get down to the car park, take photos of the signs, try to suss out what they reckon you did wrong.  I see it's a P&D car park so presumably you didn't pay or stayed longer than you paid for (although there seems to be a barrier on exit so how did you get out?!)   Normally we say to check with the council if the car park has planning permission for its signs, but this is a multi-storey car park so presumably they bothered with PP!   Look in the PPC Successes thread at the top of the page, any thread with "claimform" in the tile should have an example of a defence.  Post up a draft of what you propose to send, it needs to be as generic as possible.    The important thing at the moment is filing the defence.  In the longer term, once we get hold of their letters (either through CPR or a SAR if they refuse to reply to the CPR) we can see what other holes to pick in their claim.      
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Northern Rock Credit Agreement - Help


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Hello,

 

A bit of background, i took out a loan of £10k with northern rock in 2004, over a period of 120 months, including PPI.

 

During 2008 i succsefully reclaimed PPI via a third party company, they then issued a letter to 'reschedule the loan'.

 

This was during 2008.

 

Attached are the letters and the only documentation i have received or signed on this issue.

 

Does it validate Northern Rock? Is it an enforcable agreement?

nrock1.JPG

nrock2.jpg

nrock3.jpg

Edited by nonnynonny
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They're a bit too small, 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.

Anthrax alert at debt collectors caused by box of doughnuts

 

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Can you remove & edit them they show your a/c details?

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

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What do you mean when you say "Is it an enforcable agreement?", if you mean does it enforce your original agreement, no because it is separate entity. If you mean enforceable with regards to your PPI claim, yes if you signed the acceptance form.

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

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It's not an agreement, it's a proposal. The new agreement would have been formed when you signed the acceptance form.

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

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So the acceptance form is a new enforcable credit agreement in the form i have posted here?

 

The other attachment which confirmed the details also shows a £1 difference in payment from the acceptance form i signed.

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We would need to see the original agreement really to see how the PPI was originally included into the loan.

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

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It looks right, you have £10k still owing and they've reduced the payment from £192.30 down to £129.51 x 77 months.

 

I've asked someone else to have a look for you when they come online & to check out the CCA.

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

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Not to be at all pretentious, but the promises of 'assistance' from this website seem to be as likely as promises of 'assistance' from the banks in 'helping' customers.

 

This statement is a little unkind dont you think ? This is a self help site, anyone offering assistance is a volunteer and there are many requests for assistance made. So it might take some time for an answer unless your post/thread is flagged as urgent.

 

I am a little unsure of the question you want answering.

 

If it is in respect of the CCA, you will find some answers in the following link.

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/105315-my-agreement-enforceable-useful.html

 

 

Are the free companies that look at this worth using?

 

If you are wanting an answer to the question above. I am unaware of any "free companies" and the MOJ (Ministry of Justice) is actually advising against using Claims management companies.

 

HTH

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

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This statement is a little unkind dont you think ? This is a self help site, anyone offering assistance is a volunteer and there are many requests for assistance made. So it might take some time for an answer unless your post/thread is flagged as urgent.

 

 

Thanks for getting back to me, communication is the key.

 

I felt slightly guilty making an outburst, but in my working world if i say i am going to something i do it when i say i am going to do it.

 

This problem is one of the biggest issues i face daily in the construction industry, people simply make commitments they cannot keep or promises they dont intend to keep.

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