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    • Yes good points from Gick, no papers were actually served on you personally so Gick's amendment makes more sense. thereby preventing any misinterpretation as in you no longer lived there so the papers were not received by yourself, leading to a Default judgment.
    • Hi Yorky and BT   Thanks for the reassuring advice.   I’m in Scotland Yorky, so factor is just the management company but I think it’s one of the priority bills you mentioned but not entirely sure.   I take on board though that I should stop using the cards so maybe paying them off to use isn’t the best plan.    Also, I think I’ve offered more than I should have trying to keep the OCs  happy rather than what is affordable. Probably made a few errors of judgment and got a bit confused too.   My wife doesn’t have an income.   Offering £1 rather than maintaining them sounds a good way forward.   Starling and Monzo have put an arrangement in place but I can still use the account, they said they wouldn’t ever take more from the overdraft than the agreed amount.    So I’m a bit confused that I’ve offered pro rata but not getting defaulted and instead getting arrangements to pay and keeping the accounts open.    I thought doing a CCA on a new debt (from 2021) with a DCA would be easy for them to get the agreement, that is interesting if you know any more, this is another reason why I was trying to do it the way I was but I feel like I’m drowning rather than getting anywhere but feels so close at the same time to making it through.   Do you mean paying full and final on a credit card for £100 for example, pay it in full or offer a percentage. Just a bit unsure on that, I’ll have more of a good read on the forum.    It’s good to see other perspectives on it, I think I’ve got really stuck and just have stopped going anywhere focussed and need to get back on track.   I think the usual moral dilemma is playing a part too especially as some of the original creditors have been quite understanding. Others haven’t as much.   Thanks again  
    • Hi  Yes , I have been searching for answers over the years and coming to a dead end . To answer your question six months after I had the loan they took me to court for  arrears as I explained to the brokers at the time that I was not working and they told me that I would get money from the loan to cover payment  for a while  which I never received . so I was  stuck and got the suspended order .    I did appoint the  mortgage  company and you are right I did get scammed . I did not take Swift to court , they took me again this time they supplied the paper work and I saw the  cheque they said they gave me , hence I refuted this and the court requested they send me a copy of the cashed  cheque  which they did not  to date .   The date was 2017 . Then I became very ill and had other  matters to deal with . I then got some money and paid the arrears to them .   In respect of the interest the balance to date they stated was 68,000.   I can only ask the question if the money they stated  they gave  to me does not add up how can you  put interest on monies not  given to a customer .   In respect of uploading the paperwork I am slightly worried as you can understand I really do not know  whom I am really talking to , hence the caution.   Sorry if I took up your time I was just checking  but I am grateful for your response to date .    
    • It is an excellent document but to be nit-picking, you might like to change  November 25th 2021 - I was served court papers at an address I was no longer living at to simply        court papers were served at an address etc as they were not actually served on you Also in point 6  you have missed out 'when' in the second sentence. Not only was I no longer at the address              the claim forms were issued,
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With respect FG this has not been substantiated either way.

Its understandable that an allegation of this nature needs to be validated.

There will also be commercially sensitive info to which Lee may not be privvy to nor within his brief to respond to.

To be fair he has always been upfront in his dealings on the CAG, insofar as we have seen.

Lets leave him to continue to deal in the capacity he agreed to when he started.

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Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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:-) Yes I agree.

When any Official Customer Service Reps are invited,or approach us to be given status to deal,We do ask that they comply with site rules,encourage updates,and keep dealings insofar as possible on the forum.

We monitor the progress and make sure that dealings and responses are in the interest of both the OP and those following.

But we do recognise that there will be things that cant always be answered nor addressed on a public forum.

One of my own cases in the past involved me dealing with 2 parties.

I identified a course and the problem was sorted-I got the result but had to forfeit any disclosure,since it had implications for the contractual aspects of the other two parties.

I got my result without court-and they had to admit defeat-but I looked upon it as a lesson learned for them-in which they would have had to think about best practice and compliance...next time around.

So whether or not the statements or allegations here are true-really is not important to be knowing-the thing is its been raised,and my guess is that the fact that it has should be ringing alarm bells.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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