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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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...my mam has fallen behind on her payments,she is about 1.5 years into the original agreement, but they are now saying they wil take the goods, so i was wondering,

when she signed the new agreement with no osc(2 months ago) does it restart so she is nolonger more than 1 third into the payments so they need a court order to take the goods?


Lets take brighthouse down...TOGETHER!

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If your mum has signed a new agreement i think it will restart from then. Try to get your mum to pay the arrears off. In the meantime if Brighthouse staff turn up at her house tell her not to let them in.


:cool::cool: Blondmusic :cool::cool:

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oh crap!

 

you see she spend 35 quid a week on tabs so hats how she has fell behingd aswell as her money being dropped,

they said she had till saturday to pay it off (£45) and BAYV is hounding her too


Lets take brighthouse down...TOGETHER!

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The only thing i can suggest is that your mum contacts Brighthouses head office and explain her difficulties. She should ask if she can make reduced payments in the meantime. I dont know if they will accept this but it is worth a shot.


:cool::cool: Blondmusic :cool::cool:

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BrightHouse will still have a link to her original agreement on their system. The re-write (or revised agreement) continues where the original one left off. Just because she has signed a "revised" agreement does NOT mean her original agreement date is no longer valid - and, therefore, her consumer rights regarding early settlement and repossession are still intact.

 

Try and get hold of BOTH agreements. If your mum doesn't have them, ask BrightHouse to supply duplicates. They can do this easily.

 

Bottom line is, if your mum has been paying off a 3 year agreement for more than one and a half years she is WELL within the "protected goods" stage, and BrightHouse absolutely cannot repossess their goods without a court order.

 

Hope this helps.

 

 

Cheers

Lefty


If the left side of the brain controls your right, and the right side controls your left, then left-handed people are always in their right mind!

 

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lovelly, i think its BH bullying her, they proboably dont understand:)

 

we have the 1st agreements but the new ones they kept


Lets take brighthouse down...TOGETHER!

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Thanks for that Lefty. I thought that they would take it from the re-written agreement like Buy As You View but i know different now.


:cool::cool: Blondmusic :cool::cool:

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She should have had a copy of the re-written agreements. If she's able to, tell her to go into her store and ask them to check if she has PGS. If it's yes to them, they need a court order to remove the goods. Don't let ANYONE in her house.

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