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    • Which Court have you received the claim from ? Civil National Business Centre   Name of the Claimant ? JC INTERNATIONAL AQUISITION   How many defendant's  joint or self ? Self   Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 22 May 2024   Particulars of Claim   What is the claim for – the reason they have issued the claim? The def owes the claimant £300 in respect of gas and electricity charges supplied by OVO. Debt was assigned to the claimant with notice given to the def. Despite formal demand the def has failed to pay the debt and the claimant claims £300  and further claims interest pursuant to s69 of the CCA 1984.   What is the total value of the claim? £385   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   Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Energy debt   When did you enter into the original agreement before or after April 2007 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? Moved home and they were the current energy supplier    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 assigned to JC International   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not sure probably  Did you receive a Default Notice from the original creditor? Again can't remember but probably    Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? No   Why did you cease payments? Changed supplier   What was the date of your last payment? Never    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? No  
    • Their FAQs state - Cancellations and modifications If your booking has been cancelled, Booking.com refunds you immediately. The processing time may take 7 to 10 days and depends on your bank. If you have questions, contact your bank directly. I'm a regular Booking.com and AirBnB user.  The former have never cancelled.  The latter have and my money was refunded immediately (not that that helps you as we're not talking about AirBnB!) Best to check with your bank and see (a) if you did pay in advance and (b) if it has been refunded. Also, have you received a message from Booking.com officially stating the cancellation?
    • I'm not up to date with the Legal Aid rules but I'm not sure that many people qualify. HB
    • You question timescales a bit in thread - From my experience, defaulting everything and ignoring all non PAP letters, while making no payments: - 18 months to LOC - further 18 months to be at court Most are still silent 3 years in though!. If making token payments, court, if ever would be 4-5-6 years from now - Hope that helps. My debt is similar, I started it 2021 and wouldn't believe I'm already over half way through default period. You need to make the decisions but follow advice already given in this thread, and you will be fine. Best time to plant a tree was yesterday, second best time is today. Good luck BT  
    • ah ok honeybee, no harm intended - I'll do that, I wonder whether there's any benefit to be had by applying for legal Aid as opposed to NWNF, it's about 6 months since this incident took place, so time to get the ball rolling
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Capquest have issued statutory demand - Advice please **Set Aside**


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considering it was yours in the first place High praise, I will have it printed and down to Stourbridge on Tuesday

 

have knitting, buttie tin and fiddle to see them squirm,

had my SD Set aside thanks to CAG

won with lowells thanks to CAG

dont ask me though these are the people to help:D

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Just an update

 

everything copied set aside printed 3 copies already to go to court tomorrow to swear an affidavit at Stourbridge is there anything I have missed i should take with me ?

had my SD Set aside thanks to CAG

won with lowells thanks to CAG

dont ask me though these are the people to help:D

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hi all iam in court on friday the only letter from arrow as been a reconstructed agreement even though they sent me the original application form from 1998 is this not trying to obtain funds from deception as they are totally different forms just a quick question when i wish to speak will i have to wait to be asked by the judge cheers

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Well I certainly did'nt! LOL No, the judge will normally ask you for your input, and ask you questions, he will make allowances for you being an LIP, and will give you a bit of help. Just be very respectful, refer to him/her as Sir/Madam and you'll be fine.

 

Make sure you write out a skeleton arguement to take to court with you incase the judge asks you questions, you'll then have your notes to hand.

And, takes copies of everything you have eg correspondence, it may come in useful!

L/Woods B/Card/Cabot - Unenforceable CCA, SD Issued *WON+COSTS*

Capital One/Cabot - No CCA account irrecoverable.

Citi/DLC Hillesden - No CCA account irrecoverable

MBNA/Aegis - Unenforceable CCA

B/Card/HFO - Unenforceable CCA

Fashion World - No CCA account irrecoverable

TRUECALL IS A GODSEND!!

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right

 

been to court today to start the set aside, painless only took a couple of mins.

 

told the court and a judge will look over the paperwork and decide if a case requires a hearing

 

so its wait and see now

had my SD Set aside thanks to CAG

won with lowells thanks to CAG

dont ask me though these are the people to help:D

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hi all a quick update been to court today didnt go as smoothly as i had hoped but i got the set aside. this is what happened i got to court about 10 ish so bit early got called in at 10.50 the judge said your here for a stat demand set aside i said yes sir he then said you can not apply for a set aside without any evidence you need an affiridavid i said yes sir and had filed one with the court and the court sent me a copy stamped back he said well you better let me see it, i showed him it he said looks like a credit card i said thats what they are saying he then said did you have the money i said not that i am aware that is why iam trying to get to the bottom of this in the late 1990 s i had filled in a dozen application forms most got refused he said again why would they sue you if you had not had the money did you have the money not that iam aware he then said have they got a ccj over this i said no.why would they sue you if you had not had the money i said if they were here we could ask them he then said there is an application form here signed by you i said yes sir there was over 20 filled in in the late 1990s most got refused i would hate to have to pay on all of them, he said right i have no choice but to set aside and let them take the next step i asked about costs did not award any costs to me in not so many words i was lucky to get the set aside never mind costs he was totally on the side of arrow which is a worry but he had no choice but to follow the law this is not my thread but thought you all would like hear what happen cheers

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well done you got a win

 

sounds to me like they have been nobbled by the DCA but they cant do anything as the law is the law,

 

ask Judge Dread

had my SD Set aside thanks to CAG

won with lowells thanks to CAG

dont ask me though these are the people to help:D

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well its over the days I asked crapquest to supply the original documentation for the SD they sent me and I have herd nothing.

 

Also its been a week since I put in the set aside at the court and I have herd nothing from them, any idea how long before the court send out an appointment or acknowledgement of the set aside ?

had my SD Set aside thanks to CAG

won with lowells thanks to CAG

dont ask me though these are the people to help:D

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