Jump to content


  • Tweets

  • Posts

    • I think it was from 18months ago.    You’ll probably think I’m fussing again but I’ve got a feeling they’ll take mine further due to the shear amount that is owed, I’ll be astounding if they don’t. 
    • as I said read the date of the thread many moons ago.   its not illegal either, debt is a civil matter not a criminal one.   dx  
    • Hi Andy   Thank you for the link, it was very helpful, appreciate it.    I was actually made to feel quite 'stupid' and felt as if i was wasting the forums time on this thread after DX's comments in post #38.      Please see attached the necessary documents, please do let me know if you require anything else, many thanks.   Files attached:  - Default Notice   - statement of Default Notice  - Reconstituted Agreement & T&Cs - 3 different sets   P.S - sorry about the quality of the T&Cs, the high quality files were too large and had to reduce them.   Thanks, Roland   Exhibit JK1.pdf
    • If it’s so easy to get shut of a PayPal negative balance how come everyone doesn’t do it as such? I guess it’s morally wrong but not illegal!?    I read a thread were a PayPal employee said “paypal WILL take you to court and WONT let it lie, they have a specialist team that chase negative accounts over a ceratain amount which I’ll defo meet that criteria 
    • date of claim 14th November (2019)   What is the claim for – the reason they have issued the claim?  1) The claim comprises the following agreement the defendant entered into: a. JD Williams & Co with reverence 1234567 and current balance of £559.77 The agreement was terminated as payments were not maintained and subsequently assigned to the claimant. And the claimant claims: a) The said sum of £559.77 b) Interest pursuant to # s69 County Courts Act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, but limited to one year, being £44.ui c) Costs   What is the total value of the claim? £735   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? Yes  Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No Did you inform the claimant of your change of address? Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Catalogue   When did you enter into the original agreement before or after April 2007 ? Before   Do you recall how you entered into the agreement...On line /In branch/By post ? I think by post   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? No   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser - Lowell   Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes   Did you receive a Default Notice from the original creditor? Yes   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Couldn’t afford the interest    What was the date of your last payment? Over two years ago to the DCA   Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes
  • Our picks

m4ckk

CL finance Altered Application into Agreement

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3525 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Just been to CC with CL Finance. They put together very poor paperwork. The Judges copy was different to ours... ours had vital pages missing. It looked like an application form for a CreditCard has been altered into an agreement..(is that criminal?). This is after we asked for a copy of the original. The copy came through the post 10weeks after we asked for it (I thought there was a 12day limit under CCPAct 1974?? and is that a criminal offence nowadays?). Anyway Judge sent CL away with flea in ear to sort the paperwork out for a retrial. HELP..:shock:

I cant remember signing any Agreement.. just an application form touted to me by a pretty young lady with long legs and a short skirt outside the Man Utd.. I was well under the influence too... always am just befroe a big game.. it's part of the build up.. (could that be construed as miss-selling??);)

 

We have got 14 days too to issue our final defence.. any offers of help will be really appreciated. Just lost job, just broke leg, just seperated, feel down :Cry:

Share this post


Link to post
Share on other sites

Hi mate,

 

Don't feel down... you need to post some of this paperwork up on here if you know how to.

 

I can help with a defence... done enough of them recently.

 

CCA offences for non supply of credit agreement were removed by the 2006 amendments.

 

However they should be complying with Civil Procedure Rules in order not to put you at a disadvantage.

 

So... can you post anything up?

Share this post


Link to post
Share on other sites

Hello.. how do I post the letters I have received?

Share this post


Link to post
Share on other sites

Have you got a scanner?

 

If so you can use photobucket... then use the share option and post the link here.

Share this post


Link to post
Share on other sites

Thanks... I'll try upload some docs later today

Share this post


Link to post
Share on other sites

Ok... try to get as much as you can up. Then we can take a peek.

Share this post


Link to post
Share on other sites

just looking in will help where i can.

 

 

lilly white


Id quot circumiret, circumveniat.

 

please do not take my word for anything please do your own research All that i make comments on are done in good faith and to the best of my knowledge

Share this post


Link to post
Share on other sites

Subbing


“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

Share this post


Link to post
Share on other sites

Lil, DB and VJ - Triumvirate Extraordinnaire!!! :D

Share this post


Link to post
Share on other sites

I've been through so many threads on these idiots, I think I know it by heart.

 

Just wait till the CL Finance/Howard Cohen CAG mafia start subbing - they won't know what's hit them!

 

Very concerned about different paperwork popping up here and there. These so-called 'solicitors' seem remarkably adept and pulling rabbits out of hats just when it suits them. Can't wait to see what docs they come up with m4ckk - can you post anything you have so far?


“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

Share this post


Link to post
Share on other sites

Hello all... thanks for your supporting comments.

I have to get a 'defence' in by friday but cant upload any docs.. (scanner not recognised)

The application I signed whilst under the influence has (I beleive) turned into an agreement. They didnt send me the requested docs for months after the 12 day limit.

What do you need to know?

 

Thanks,Mackk

Share this post


Link to post
Share on other sites

Can you not find the drivers for the scanner?

Share this post


Link to post
Share on other sites

iv tried reloading... usb not recognised.

 

I'll photo docs and upload from camera to photobucket.

 

It will have to be tomorrow. Thanks, Mack

 

or i can ring anyone with advice. Im in HD5.

Share this post


Link to post
Share on other sites

hello vjohn82.. Iv got the info and can now load photos of docs... the defence has to be in court tomorrow.

Share this post


Link to post
Share on other sites

100_0899.jpg

 

100_0900.jpg

 

100_0905.jpg

Edited by m4ckk

Share this post


Link to post
Share on other sites

I believe that an application was completed and signed (whilst very drunk) outside MUFC. The CL legal rep in court did not give us the full copy... The judge on seeing this decided to adjourn till March.. but our defence has to be in by 4pm tomorrow.

I think I signed a application... NOT an agreement.

Mack

Share this post


Link to post
Share on other sites

Do you remember signing the front as well as the back of this document? Were they part of the same document?

 

Does it have your (genuine) signature on both sides?


“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

Share this post


Link to post
Share on other sites

I may be out of my depths here. It's difficult to see the agreement but I can't see a credit limit anywhere. I think this is one of the prescribed terms, and as far as a DJ is concerned pretty important - how the hell are you supposed to determine the amount of credit you agreed to?

 

EDIT: Sorry, I think they're okay just to let you know that they will decide the credit limit and let you know.

 

The application form is not part of the agreement in any way afaik. Again the agreement is difficult to read but I don't think it references another document other than the T&C's. Is that correct?

 

EDIT: Didn't realise it was the same document, sorry.

Edited by Aristoc

Share this post


Link to post
Share on other sites

Also.. I asked for the original agreement back in August... they sent it to me a week prior to the court hearing (is it thrown out if not produced within 14 days?? Iv seen that on here somewhere??)

 

Mack

Share this post


Link to post
Share on other sites

Only signed once on the front page on the copy

Share this post


Link to post
Share on other sites

Not that I'm aware of. Technically they have committed an offence but if they reproduce the agreement again at any time then I believe the default is remedied and they can once again enforce the debt.

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...