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    • 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
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ukaviator

Bonanza for City lawyers, accountants and advisers as Treasury pays for crisis advice

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The Treasury paid £107m of taxpayer cash to City firms for their assistance over the past two years, according to figures uncovered by the National Audit Office. Although it expects the banks to pay back £100m of the fees, it admits that, so far, not a penny has been reimbursed. In a scathing report, the NAO indicated that the Treasury may not have secured the best price for the advice, and could have wasted money with overly generous contracts.

 

The Whitehall spending watchdog's account of Government spending during the crisis reveals, strikingly, that the lion's share of the fees was shared by lawyers and accountants, with the sum received by a single law firm, Slaughter & May, dwarfing all others. It is expected to receive a total of £32.9m for legal advice between September 2007 to next March. Questions are likely to be asked about why such a sum was paid to a single law firm, rather than the work being spread among the City. Some £32.6m was shared between PricewaterhouseCoopers, KPMG and BDO Stoy Harward as the Government attempted to create the asset protection scheme and to bail out various banks. Although it had been widely known for some time that a number of City firms had been working closely with the Treasury during the crisis, the detail of their involvement, and of how lucrative the work was, had until now been a closely-guarded secret.

 

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Bonanza for City lawyers, accountants and advisers as Treasury pays for crisis advice - Telegraph


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Doesn't surprise me. It would be just as interesting to see what Councils pay to law firms - I reckon we'd all be shocked, or maybe not after reading above.

 

There is no money in private sector at moment so professions are targeting public sector even more than usual.

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