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    • In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us] 1 defendant   Which Court have you received the claim from ? County Court Business Centre, Northampton   Name of the Claimant ? LC Asset 2 S.A R.L   Date of issue – . 28/04/23   Particulars of Claim   What is the claim for –    (1) The Claimant ('C') claims the whole of the outstanding balance due and payable under an agreement referenced xxxxxxxxxxxxxxxx and opened effective from xx/xx/2017. The agreement is regulated by the Consumer Credit Act 1974 ('CCA'), was signed by the Defendant ('D') and from which credit was extended to D.   (2) D failed to comply with a Default Notice served pursuant to s87 (1) CCA and by xx/xx/2022 a default was recorded.   (3) As at xx/xx/2022 the Defendant owed MBNA LTD the sum of 12,xxx.xx. By an agreement in writing the benefit of the debt has been legally assigned to C effective xx/xx/2022 and made regular upon C serving a Notice of Assignment upon D shortly thereafter.   (4) And C claims- 1. 12,xxx.xx 2. Interest pursuant to Section 69 County Courts Act 1984 at a rate of 8% per annum from xx/01/2023 to xx/04/2023 of 2xx.xx and thereafter at a daily rate of 2.52 to date of judgement or sooner payment. Date xx/xx/2023   What is the total value of the claim? 12k   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? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card   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 ? Online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes, but amount differs slightly   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. DP issued claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I recall...   Did you receive a Default Notice from the original creditor? Not that I recall...   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? Loss of employment main cause   What was the date of your last payment? Early 2021   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   -----------------------------------
    • Hello CAG Team, I'm adding the contents of the claim to this thread, but wanted to open the thread with an urgent question: Do I have to supply a WS for a claim with a court date that states " at the hearing the court will consider allocation and, time permitting, give an early neutral evaluation of the case" ? letter is an N24 General Form of Judgement or Order, if so, then I've messed up again. Court date 25 May 2024 The letter from court does not state (like the other claims I have) that I must provide WS within 28 days.. BUT I have recently received a WS from Link for it! making me think I do need to!??
    • Massive issues from Scottish Power I wonder if someone could advise next steps. Tennant moved out I changed the electric into my name I was out the country at the time so I hadn't been to the flat. During sign up process they tried to hijack my gas supply as well which I made it clear I didn't want duel fuel from them but they still went ahead with it. Phoned them up again. a few days later telling them to make sure they stopped it but they said too late ? had to get my current supplier to cancel it. Paid £50 online to ensure there was money covering standing charges etc eventually got to the flat no power. Phoned Scottish Power 40 minutes to get through they state I have a pay as you go meter and that they had set me up on a credit account so they need to send an engineer out which they will pass my details onto. Phone called from engineer asking questions , found out the float is vacant so not an emergency so I have to speak to Scottish Power again. Spoke with the original person from Scottish Power who admitted a mistake (I had told her it was vacant) and now states that it will take 4 weeks to get an appointment but if I want to raise a complaint they will contact me in 48 hours and it will be looked at quicker. Raised a complaint , complaints emailed me within 24 hours to say it will take 7 days till he speaks with me. All I want is power in the property would I be better switching over to EON who supply the gas surely they could sort it out quicker? One thing is for sure I will never bother with Scottish Power ever again.    
    • Hi. Please don't follow McD's advice to contact Met to appeal. They won't listen and you could end up giving them helpful information. HB
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Benefit discussion forums


wishface
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i have been reprimanded on CAG for every crime "hijacking", slander, bad language , threads removed, posts removed you name it. However this is the best and most helpful website in the uk and every reprimand was on retrospect my own fault.. I think even the experienced Caggers would admit a few of the enemy cruise these pages and try to muddy the waters, however anyone with half a nose can smell them a mile off.

 

Keep up the good work CAG

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I don't dislike this site at all, but I posted a question that didn't get answerd so maybe there's a more appropriate site elsewhere. It's not as if there's enough support for people out of work/with disabilities on the net anyway. There's nowhere near enogh of a presence challenging our appalling state system.

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I don't dislike this site at all, but I posted a question that didn't get answerd so maybe there's a more appropriate site elsewhere. It's not as if there's enough support for people out of work/with disabilities on the net anyway. There's nowhere near enogh of a presence challenging our appalling state system.

 

 

 

 

 

 

 

 

 

There may be othersites, and perhaps your question has'nt been answered yet because people that have replied are quite content with cag.

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I'm on the MSE forum; it's a right wing nightmare. I've never seen anything like it.

 

I don't mind if people choose not to answer a question I ask as that's there choice. Obviously I wouldn't post if I didn't want an answer at all. But if there's a more appropriate site for that quesiton then that's even better.

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i just realised your previous posting has had no replies this happens sometimes i have tried to bump it up.ie previous thread sorry

Thanks. I'm not here to compel people to respond or complain if they don't. I just need to find a more appropriate place to get those answers if this isn't it.

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I'm on the MSE forum; it's a right wing nightmare. I've never seen anything like it.

 

I don't mind if people choose not to answer a question I ask as that's there choice. Obviously I wouldn't post if I didn't want an answer at all. But if there's a more appropriate site for that quesiton then that's even better.

 

MSE forums are touch and go and there are some very very sad individuals who have a chronic dose of Napoleon syndrome. It's weird tbf & I only hang round on there to put right some of the myths and untruths being perpetrated.

 

As for complaining that a post hasn't been answered on here? This is a free board and although membership is growing it is still dependant on a specific person with knowledge being here at the right time. It is unrealistic & unreasonable to expect an immediate answer all of the time.

 

Even our wise, mythical, omnipotent guru and board guide ErikaPNP probably has to stop for a cuppa once in a while ;)

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My opinion on MSE: I like MSE but I can't stand the benefits forum, there are too many critics on there. I can understand the critique clique storming a thread when it's obvious that the author is seeking a way around the system to commit fraud - CAG doesn't condone fraud either (particularly where we see so many people on here wrongly denied benefit) but there are so many genuine queries on there too which people are far too quick to judge on. An innocent question asked by a person having difficulty navigating the system is often met with complete scorn where there is absolutely no need for it. It's like a pack of wild dogs waiting to go in for the kill. Sadly, many of the benefits forums I have come across are similar, or have a "them and us" base between claimants and staff. CAG is different in that DWP employees on here are actually very helpful to claimants, and the claimants appreciate it.

 

In regard to "cagbot" it might interest you all to know that even Site Team are not exempt from the wrath. I get posts edited, moved and removed too if I'm a baddie! (I ought to know better though!)

 

Some posts here are unanswered simply because nobody knows the answer, or because the person who does know the answer isn't around at the time. Nobody is paid here (not site team either) we are all here on a vountary basis, and as such aren't available at all times. I work full time and am studying part time. In addition to this, I am a single parent and one of my children is disabled and needs daily therapy from me, so I can't be here all hours of the day which means I don't get the chance to answer as many questions as I'd like to. A lot of people who come here also have (particularly for ESA and DLA queries) debilitating conditions which mean that they have the experience of the system and can answer a lot of queries but it also means that they are unable to sit at a computer all day everyday and so questions often drop down the page and go unanswered.

 

What people tend to do is that if they haven't received a response within a certain length of time, they post the word "bump" on their thread which brings it back up to the top of the forum, giving those who have been offline when it was posted a chance to answer it.

My advice is based on my opinion, my experience and my education. I do not profess to be an expert in any given field. If requested, I will provide a link where possible to relevant legislation or guidance, so that advice provided can be confirmed and I do encourage others to follow those links for their own peace of mind. Sometimes my advice is not what people necesserily want to hear, but I will advise on facts as I know them - although it may not be what a person wants to hear it helps to know where you stand. Advice on the internet should never be a substitute for advice from your own legal professional with full knowledge of your individual case.

 

 

Please do not seek, offer or produce advice on a consumer issue via private message; it is against

forum rules to advise via private message, therefore pm's requesting private advice will not receive a response.

(exceptions for prior authorisation)

 

 

 

 

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In fairness, wishface, the question you have asked in your other thread is a very common question that frequently crops up on this forum. Simply reading around the forum will give you more than enough information to fulfill your wildest dreams ... :)

Best wishes

Rae

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Re: MSE, I so agree about the "dog pack" and "Napoleon syndrome" prevalent there. I'm a refugee from MSE who won't ever go back.

Regards,

Paul.

I'm not a qualified welfare rights adviser, but I'm planning on becoming one. I'm no substitute for more competent advice from trained CAB and welfare rights workers - [URL="http://www.consumeractiongroup.co.uk/forum/benefits-tax-credits-minimum/127741-benefits-advice.html"]see this post[/URL] by Joa, great advice and links! I've been running a Crisis Loan campaign and help since Jan 2007 . See my annotations c/o "theyworkforyou". I'm also currently interested by the recent DWP Medical Services reform and the effect this is having on valid claims, seriously - someone needs to be keeping a suicide count.

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I think even the experienced Caggers would admit a few of the enemy cruise these pages and try to muddy the waters, however anyone with half a nose can smell them a mile off.

 

Keep up the good work CAG

 

I used to work for JCP, and posted here when I did. Am I "the enemy"?

 

I mean, I guess, at a push, I'd accept "a faceless automaton", because I couldn't think for myself and did nothing but push the official line, but "the enemy"? Really?

PLEASE HELP US TO KEEP THIS SITE RUNNING. EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

The idea that all politicians lie is music to the ears of the most egregious liars.

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Antone

 

I used to work for JCP, and posted here when I did. Am I "the enemy"?

 

I mean, I guess, at a push, I'd accept "a faceless automaton", because I couldn't think for myself and did nothing but push the official line, but "the enemy"? Really?

 

the answer to your question would be, in how you helped fellow poster's,

wether you brought only the offical line part of 'you' or used your knowledge of officaldome in aiding fellow poster's.

 

Not all people working for big companys, DWP and banks etc........ have automatic enemy status(you do have put bread on your own table as well a jobs a job)

CAG is open to every one you don't have say if you are working(and for whom) or not.

 

That is why CAG stands out.

 

wishface

re-post your question in this thread you never know.

 

:)

 

dk

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MSE forums are touch and go and there are some very very sad individuals who have a chronic dose of Napoleon syndrome. It's weird tbf & I only hang round on there to put right some of the myths and untruths being perpetrated.

 

As for complaining that a post hasn't been answered on here? This is a free board and although membership is growing it is still dependant on a specific person with knowledge being here at the right time. It is unrealistic & unreasonable to expect an immediate answer all of the time.

 

Even our wise, mythical, omnipotent guru and board guide ErikaPNP probably has to stop for a cuppa once in a while ;)

 

I wasn't complaining. I made that clear. I'm not going to repeat the point; I was asking a perfectly reasonable question as to whether there are any other forums that discuss these issues that might be better suited to my question. I'm not complaining that people aren't answering my question at all; I was trying to find somewhere more suitable in lieu of answers here.

 

My opinion on MSE: I like MSE but I can't stand the benefits forum, there are too many critics on there. I can understand the critique clique storming a thread when it's obvious that the author is seeking a way around the system to commit fraud - CAG doesn't condone fraud either (particularly where we see so many people on here wrongly denied benefit) but there are so many genuine queries on there too which people are far too quick to judge on. An innocent question asked by a person having difficulty navigating the system is often met with complete scorn where there is absolutely no need for it. It's like a pack of wild dogs waiting to go in for the kill. Sadly, many of the benefits forums I have come across are similar, or have a "them and us" base between claimants and staff. CAG is different in that DWP employees on here are actually very helpful to claimants, and the claimants appreciate it.

 

In regard to "cagbot" it might interest you all to know that even Site Team are not exempt from the wrath. I get posts edited, moved and removed too if I'm a baddie! (I ought to know better though!)

 

Some posts here are unanswered simply because nobody knows the answer, or because the person who does know the answer isn't around at the time. Nobody is paid here (not site team either) we are all here on a vountary basis, and as such aren't available at all times. I work full time and am studying part time. In addition to this, I am a single parent and one of my children is disabled and needs daily therapy from me, so I can't be here all hours of the day which means I don't get the chance to answer as many questions as I'd like to. A lot of people who come here also have (particularly for ESA and DLA queries) debilitating conditions which mean that they have the experience of the system and can answer a lot of queries but it also means that they are unable to sit at a computer all day everyday and so questions often drop down the page and go unanswered.

 

What people tend to do is that if they haven't received a response within a certain length of time, they post the word "bump" on their thread which brings it back up to the top of the forum, giving those who have been offline when it was posted a chance to answer it.

 

Given some of the appalling comments i've seen on that site I'm very surprised at the lack of moderation as it doesn't portray Martin Lewis in a very positive light. It's also far too visually dense! There's so much on every page on screen!

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Antone

 

 

 

the answer to your question would be, in how you helped fellow poster's,

wether you brought only the offical line part of 'you' or used your knowledge of officaldome in aiding fellow poster's.

 

Not all people working for big companys, DWP and banks etc........ have automatic enemy status(you do have put bread on your own table as well a jobs a job)

CAG is open to every one you don't have say if you are working(and for whom) or not.

 

That is why CAG stands out.

 

wishface

re-post your question in this thread you never know.

 

:)

 

dk

 

Here is the question.

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Antone

 

 

 

the answer to your question would be, in how you helped fellow poster's,

wether you brought only the offical line part of 'you' or used your knowledge of officaldome in aiding fellow poster's.

 

Not all people working for big companys, DWP and banks etc........ have automatic enemy status(you do have put bread on your own table as well a jobs a job)

CAG is open to every one you don't have say if you are working(and for whom) or not.

 

That is why CAG stands out.

 

wishface

re-post your question in this thread you never know.

 

:)

 

dk

 

Well, you know, if things start from the assumption that I am "the enemy" and I am required to prove otherwise, is it really all that surprising that DWP staff get sick of trying to help people on messageboards?

PLEASE HELP US TO KEEP THIS SITE RUNNING. EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

The idea that all politicians lie is music to the ears of the most egregious liars.

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Here is the question.

 

Your question was correctly answered by others, and I saw no reason add anything to what they had said.

PLEASE HELP US TO KEEP THIS SITE RUNNING. EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

The idea that all politicians lie is music to the ears of the most egregious liars.

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