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    • Can I just leave it as saved and not submit or do I need to delete everything?
    • don't file yet not needed till/by 4pm tomorrow   let andyorch check things over 1st    
    • well the claim is stayed so don't panic for now.   is this the ONLY payment made and how did capquest get this out of you? by phone?   explain what caused you to make the payment and how you did it please   dx                
    • Lovely stuff.    1.The claim is for the sum of £882.53 due by the Defendant under the CCA 1974 for a Shop Direct account with the account ref of ********************    2.The Defendant failed to maintain contractual payments required by the agreement and a Default notice was served under s.87(1) of the CCA 1974 which has not been complied with.   3.The debt was legally assigned to the claimant on 08/01/18, notice of which has been given to the defendant.   4.The claim includes statutory interest under S.69 of the County Courts Act 1984 at a rate of 8% per annum from the date of assignment to the date of issue of these proceedings in the sum of £70.60 - The claimant claims the sum of £953.13   #####Defence######   The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.   1. Paragraph 1 is denied. Whilst it is admitted I have held various catalogue agreements in the past, I have no recollection of ever entering into an agreement with Shop Direct and do not recognise the specific account number or recollect any outstanding debt and have therefore requested clarification by way of a CPR 31.14 and section 78 request pursuant to The Consumer Credit Act 1974.   2. Paragraph 2 is denied I have not been served with a Default Notice pursuant to sec87(1) the Consumer Credit Act 1974.   3. Paragraph 3 is denied. I am unaware of a legal assignment or Notice of Assignment pursuant to the Law and Property Act 1925 Section 136(1)   4. On receipt of this claim form I, the Defendant, sent a request by way of a section 78 pursuant to the Consumer Credit Act 1974, for a copy of the agreement, the Claimant has yet to comply and remains in default of the said request.   5. A further request made via CPR 31.14 to the claimant’s solicitor, requesting disclosure of documents on which the Claimant is basing their claim. The claimant has not complied.   6. It is therefore not accepted with regards to the Defendant owing any monies to the Claimant and the Claimant is put to strict proof to:   a) show how the Defendant has entered into an agreement and; b) show how the Defendant has reached the amount claimed for and; c) show the nature of the breach and evidence by way of a Default Notice pursuant to sec 87(1) of the Consumer Credit Act 1974 d) show how the Claimant has the legal right, either under statute or equity to issue a claim   7. As per Civil Procedure 16.5 it is expected that the claimants prove the allegation that the money is owed   8. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.   I will get this put into the defence section. Thank you again.
    • just remove the 2nd part where you mention some reply.
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janis6670

sequesrtation council tax arrears

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I have received a recorded delivery letter telling me that my council has applied for sequestration over my arrears. They are looking for an agreement to be in place and can only accept payment by bankers draft due to money laundering rules. I have only started trying to get my finances in order and this has hit me like a ton of bricks. What can I do ? can anyone help please.

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who have you received the letter from?

 

have you receive a charge for payment?


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the letter is from mlm insolvency. a livingston address and also a registered office in glasgow. i did receive a charge for payment delivered by sheriff officers in october

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and i take it you didn't do anything about the charge for payment?

 

can you make and offer of payment?


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no I didn`t. Head in the sand time!! I can make an offer but it won`t be substantial.

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I i think they would rather you pay something than get nothing.

 

I would send theman offer of payment and to help, make up your own income and expenditure sheet to go along with it

 

ida x


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YThanks. I`ll try.Should I CC the Sheriff Officers?

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yes


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Ive been in ct arrears for a long time, ignored mostly, usual letters from their enforcers.

Thankfully ive never recieved seq notices at all or a charge or sheriff officers.

 

I contacted the council personally and set up a very generous repayment schedule. Well not generous but it got them off my back. I have a payment card i pay into weekly.

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I have just arranged to pay off council tax arrears with sheriff officers at £60 per month. They also said something about my ex having to set up a separate payment arrangement. He does not live here any more and although I know we were jointly responsible for the arrears, i dont want him involved any more as my life will not be worth living if he discovers any thing about the arrears. Everything else financial was completely separate for a number of years. Can I take complete responsibilty and cut him out of my life?

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As the debt is joint and several, I would suggest that he cannot be completely cut out the picture, nevertheless it is not up to you to provide information to Sheriff officers . If they want to pursue your ex, it is up to them to do the chasing without any involvement from you.

 

This tactic sounds like Walker Love on the telephone, would I be correct.

Edited by Crocdoc

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No it is Alex M adamson. The point is that for my safety I do not want any approach to be made to him.

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You cannot stop them approaching him I'm afraid. The only gauranteed way to do that would to pay the arrears in full so there would be no contact needed.


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I have been in reciept of a discount of my CT this year. 25% single person as my daughter is on JSA. I got a letter from the "verification team" of my local council advising that they intend to visit my property next week to confirm that I am eligible. They expect me to produce evidence of income and other ID. Whats all this about? I provided all this when I applied and was granted the discount.Are they allowed to visit at a time that doesnt suit. All they have given me is a date. No time or even time slot. I work full time

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Hiya,

 

I have had one of these 'visits' - it is just a verification process where they will take copies of your paperwork - if the day does not suit call them up and they can arrange another day with a timeslot for you

 

Ida x


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