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    • See what the latest data on school suspensions tells us about the UK education system and early intervention.View the full article
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    • Hello, Following the submission of my defense, last night I received an email from DCBL indicating that the claimant intends to proceed with the claim (I've attached a screenshot of the email for reference) along with the N180 directions questionnaire. I'm unsure how they obtained my email, but I suspect it was through the courts' form when I completed the Acknowledgment of Service. This email almost slipped my attention. I have also today received a letter from court to state they have received my defense.  It appears they are requesting an online telephone hearing with the court. Could you please advise me on the necessary steps I should take at this point? Thank you for your assistance. Letter-Email 25-04-24.pdf N180 - Directions questionnaire (Small Claims Track).pdf
    • Default Amount £9237.88, all this started in 2006 Admitted debt £9075.65 Weightmans added £1515.01 immediately they became involved, no explanation The Statement shows when Marlin bought debt in May 2011 £10439.25 Their statements, not received until the SAR, are based on this. Cabot deducted £1515.01on their statements in January 2019, again did not find this out until SAR. Weightmans added in  2007 after the CH1 etc was confirmed by the court £741.50, made up of Process server fees, Court Fee (they tried for bankruptcy), Solicitors fee and Land Registry fee. Unspecfied Legal costs were added by Marlin in March 2015, again I did not know this until statements received with SAR I had been paying monthly, without exception until December 2018. I am minded to take the property charge, CH1 amount ,deduct all my payments and the subsequent fees, and request/demand a refund on the final payment made? I consistently disputed Weightmans balances, but they never responded. I also told Mortimer Clarke/Cabot that I disputed their amounts.  
    • Just follow this link and have read of some threads so your familiar with the process https://www.consumeractiongroup.co.uk/topic/347310-legal-n180-directions-questionnaire-small-claims-track/#comment-5178739
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please can someone help me figure out if welcomes figures are correct?


donkey123
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ok welcome have just sent me a final demand even though i sent them a letter which stated the account was in dispute and as such they had to stop processing my account until it was resolved. it seems from the previous letter they have ignored everything except for the ppi complaint

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welcome dont seem to cease collection activity despite accounts being in dispute another bout of 'law unto themselves' me thinks

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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it appears that they are allowed to continue with collection activity thanks to the high court ruling :( what they cannot do is enforce i.e take you to court

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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You could write to the lewis group and state that your account is in dispute with Welcome Finance, they should refer the matter back to them as you clearly are awaiting the PPI claim outcome and as such are not in a position to pay them off, especially the final demand. Send TLG all copies of your letters and ask for a copy of their official complaints process, its not that you will complain of course but it sets doubt in their minds!

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no but it says they might send someone to your door to collect in person

 

That is Enforcement! Still not Allowed to do that Legally, until court Orders it So!!!

 

As beyondhope says, since the Manchester Test Case Rulings, they can now carry out collections, they can record defaults with CRA`s etc. but they can not Enforce any of it.

 

In my opinion when you get to Court they still need the Original Agreement.

 

They can produce a Copy made from any other info they have about the Agreement in question, in reply to CCA Request or SAR. For Court they will still need to produce the Original Signed and Executed Document, to even begin to Enforce.

 

I may be totally wrong in my Interpretation of what is being said in the thread linked in my last post. It does seem to me though that this is what the ` Big Gun`s ` who are discussing the Manchester Cases have decided the Judge was Allowing.

 

Read the thread. There is No Need for Panic!!! In fact it seems that the Ruling may have helped Consumers in many ways!!!:)

 

Cheers, MARK

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Point also being should they attempt court which in itself is highly unlikely given their fragile state that is when you defend with all the crap you have on them or start a counter claim with the same crap :)

 

Im sifting my way through it slowly thanks mark :)

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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Donkey, you are right, can't take possessions without a court order but they can ask for payment, its just the way they have phrased it but the visits shouldn't be any different initially than the Welcome ones, (i.e. Can we have some money? why not? Can you do an Income and Expediture, ok well we know where you live), like I said if there is a dispute then TLG may jusy want to bounce it back to Welcome

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Donkey, you are right, can't take possessions without a court order but they can ask for payment, its just the way they have phrased it but the visits shouldn't be any different initially than the Welcome ones, (i.e. Can we have some money? why not? Can you do an Income and Expediture, ok well we know where you live), like I said if there is a dispute then TLG may jusy want to bounce it back to Welcome

 

Good to see you are around Major! Pm`d you the other day! Bit worried that I hadn`t seen any posts from you for a while!

 

Cheers, MARK

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ok welcome sent me a letter telling me to refer to their previous letter as they were still investigating my complaint and would get back to me within four weeks. is this normal or are they stalling for time?

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