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    • I have had so much help on here in the past with Halifax and Paragon. After my win in court last october with Paragon they sold the debt to Mars Capital. I haven't had much to do with them yet but i know they are a vulture fund, they buy these loans at a cost. I want rid of it. The original loan was £35 k and paid in multiple payments to people i owed money to and some to me. Ive had high levels of arrears for at least 10 years i think . Are they adding interest to my arrears? does it go on balance - it says i now owe £54 k when i have been paying since 2007. I have high levels of chargers on there which i need to add up and ask to be deducted. If i worked out how much i had paid and offered them £12k or less are they no likely at all to take it or will they still expect £54k.  I want to offer a lump sum to get rid of it this year but there are so many issues with this loan - i SAR them back when paragon had it but i don't want to rock the boat - but if they don't have the credit agreement do courts still view this as unenforceable ??? should mars keep to the same rate that the original lender took loan out for??  I have threads on here going back years - the loan was with Advantage then to ADV2 then paragon now Mars Capital , a company called loan makers sorted out the secured loan - they were not paid by myself the fee was put on the mortgage / loan i think
    • 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.
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DoMz82

Grrrrrr

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Hello all, I had an experience with the DVLA today which has enraged me so much that i felt the need to post it publicly.

 

I'm a member of the Armed Forces who has just returned from a stint overseas (Germany) where my car was registered as part of the British forces network. Upon my return to the UK i went straight to the dvla who would not process my application to register my car here as i did not have my certificate of UK insurance (although i had a policy number.) They sent me away with a few forms and told me to return once my insurance document arrives. So, after a complete nightmare with my insurance documents which in the end they had to re-send as next day delivery (got them at 3pm today) I set off for dvla Northampton. The drive from my barracks to Northampton is normally a good hour long drive, but as the roads were so bad today with the fog i was frustratingly sat on a jam packed A14 watching the minutes waste away. I couldn't contact the office directly as there is only a customer enquiries number for the dvla as a whole i am led to believe?

 

So, i phoned a northampton based friend and asked him to save the day for me and plead with them to maybe hold on 10-15 minutes for me. I arrived at 17:01 (lol) and was instantly met by my buddy with that sort of look on his face that told me they were having none of it. So i went inside and pleaded my case and was rather rudely told to leave. To top it all off i found they are not open on a Saturday. How the motoring body of the UK can justify not opening their offices on a Saturday is beyond me.

 

I know this post has no resolution and i will just have to wait till Monday but my car has no UK tax and i have a demanding uk based job which means i travel alot. It was more the manner they handled my plea and the way i was abruptly spoken to in the office.

 

I'm sorry but i haven't spent time fighting for this country with a Union Jack on my sleeve to come back and have some snobby little nobody look down his nose at me.

 

Rant over, Thanks for reading.

 

Mark

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I think you've spent too much time abroad Mark and forgotten all about this jobsworth culture we actually live in!! Expecting a favour from a civil servant on a Friday afternoon is just asking for trouble! ;)

 

Make sure you do get it sorted out on Monday though.

 

Best of luck! :p


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As they have just had their pay and pension cut, can you not see why he would not give them even one minute of his time.

 

Probably more angry with his employer than you.

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then they should go on strike, perhaps that is the decent thing I would do if I had a dispute over wages with my employer, rather then disrespect and dick around our service men & women that are fighting for your country and civil liberty's, and the rest of the GP for that mater, then carry on like normal as if its for the greater good of the public..

yeah right. DVLA and their minions need to get over them self.

$£%$^$"^U Trolls

Edited by brain_fallen_out

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DoMz82

 

It just occurred to me as well they did the exact same thing to me when they needed to register my car to me after it was PAYED for, it set me back 2 and half months at the time waiting for original docs, simply cause of DVLAs bone faced uncooperative attitude like a little retalin brat of a company that has to have it all there own selfish little way no mater how much the consumer has to suffer - and another 2 months of freebies for DVLA off my back.

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