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    • Hi With the Section 21 Notice I do hope the Landlord issued you with: Energy Performance Certificate (EPC) for the Property How to Rent Guide A current Gas Safety Certificate (if gas in the Property) If above have not been provided to the Tenant by the Landlord then they can't use a Section 21 Notice until the above have been provided (note you don't warn the Landlord of this until but put it in your defence) Have a good read of this link: Evicting tenants in England: Section 21 and Section 8 notices - GOV.UK WWW.GOV.UK Information for landlords in England on tenant eviction: assured shorthold tenancies, including eviction notices, Section 21, Section 8, accelerated possession, possession orders, bailiffs  
    • good idea take some pix and put them in a PDF read UPLOAD dx
    • thread title updated moved to overseas debt forum. sadly as they are outside any UK jurisdiction upon DCA rules which state in the UK they must not call employers, there not alot you can do to stop these scammers. make sure you totally make private ALL social media twitter/facebook/linked in etc etc as there no-way for them to findout where you work otherwise so you must have a leak somewhere. find it. your employer details arent even legally available to UK DCA's so how have they found it out to date???  simply write to the BANK informing them of your correct and current address ALWAYS!!. if you want to arrange payment or not TO THE BANK ONLY thats upto you. never ever ignore a Statutory Demand a Letter Of Claim a Court Claimform. if if if any of those ever happen. till then ignore and rewash. dx    
    • Date of issue –   13 may 2024 AOS date 31st may defence filing date 14th june plenty of lowell card claimform threads here use our enhanced google searchbox Lowell card claimform id be reading at least 5-10 threads a day. do NOT MISS your defence filing whatever happens.  
    • Hello All,  I’m hoping someone can help me urgently here. Firstly, I’d like to say I have read multiple other threads and have some what an idea of what I should be doing, however my case might be slightly different so coming with my own questions here.    my situation is I lived in Dubai and had a credit card and a loan, loan with HSBC and credit card with Emirates (or the other way round), I lost my job and was forced to leave the country as I was staying in the country on my companies visa.    since coming back, after a few years 2 different debt collections agencies have been approaching me (one being IDRW and the other J&P). I’ve never answered IDRWW and they constantly chase me by calling and messaging me and my employer. My current company is ok with this as I explained the situation but I’m soon to be joining a new company who definitely won’t be ok with being messaged and called. I’m afraid to continue to ignore them as they may message and calm the new employer as they have before and I’ll lose my job. However, it seems clear from these forums that dealing with the debt collection agencies is never a good idea. You shouldn’t agree to the amount or pay anything.    j&p caught me on my phone but I still haven't sent them any money or confirmed the amount they’re saying is owed, they keep pushing to pay off the “principal” amount by making monthly payments, from reading these forums it seems like if I make one of those payments (they have provided bank details for ENBD), then it’ll just be paying off interest and not actually clearing the principle debt and the bank won’t even approve receipt of payment or that it’s coming off principle.    this is my predicament as ignoring them might not be an option if they chase my new employer. Maybe there’s a way to ensure the debt collection agency don’t contact my new employer?? I don’t know? Massively appreciate peoples help here. Thanks, 
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Arrow/? claimform - M&S Chargecard changed to Credit card


maureen1
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In which case, they are going to have a hard time collecting !

 

As for their comment "this account has now been escalated to Fenton Cooper for assessment and further recovery action." That is a stretch of the imagination.. how can you escalate something down the chain of command !!

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I would respond, I always have.Simply make them aware that this is a converted storecard and any court action will be defended and furthermore a counterclaim will be issued against them for costs.

 

Refer to the Mayhew case, and the fact that is has been determined in law that the Upgrade of a Storecard to a Credit Card was not a valid process.

 

Debs x

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thanks for all your reply's, im still having internet problems so have only just got back online again :x

 

I haven't been responding to anyone when the letters come through i just put them on here (i don't have money to waste on a stamp lol)

 

I have informed my aunt what has been wrote from you good helpful people and its put her mind at rest albeit for now !

 

thanks again you wonderful people :-D Maureen X

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If don't want to spend on a stamp - put your response in the original envelope, reseal and write on return to sender. If relaay cheeky write on settlement enclosed - should get them excited or annoyed or both.

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  • 3 months later...

Good morning all,having to use library to get online as it's still not sorted also been ill myself so hence why ive not been seen on here .

 

My aunt received a court claim form from northampton county court - now this is too deep for me to understand what she has to do now so i would appreciate help on the next step please,as you can imagine she's worrying alot now and i think i am a bit too any advice please

 

 

Thankyou Maureen

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She should acknowledge receipt of the claim form.

And tell them that she will be defending the spurious vexatious claim fully!!

 

Fools!

This will then be transferred to her nearest court, and then she can give them a bloody nose...I'll bow to others who are better experienced in legal cases to offer advice.

Is it a bona fide court claim form with the court stamp?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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who has issued the claim please

 

and can you type up the exact details of the PoC

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi back down library, yes it's a court letter i'll type this out now

 

 

In the Northampton (CCBC) County Court issue date 08 Dec 2013

 

 

Particulars of claim

 

1 The claimant's claim is for the sum of £11122.74 being monies due from the defendant to the claimant under a regulated agreement between the defendant and Marks and Spencer Financial Services PLC and assigned to the claiment on 20/2/13,notice of which has been provided to the defendant.

 

2 The defendant has failed to make payment in accordance with the terms of the agreement and a default notice has been served pursuant to the consumer credit act 1974.

 

3 The claimant claims the sum of £11122.74

 

4 C has complied,as far as is necessary,with the pre-action conduct practice direction.

 

Claimant Arrow Global Limited

20-22 bedford row

london

wc1r 4js

 

 

Any help please

 

Thank you Maureen

Edited by maureen1
added claimant's details
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aha arrow global- so M&S sold the debt to them then.

 

get a CCA request off tomorrow 1st class recorded

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Ok - im on typing a CCA request to send to arrow global ltd but as ive never had any correspondence from them before (just this claim form ) the claim form says for sending documents and payments send to SHOOSMITHS LLP THE LAKES NORTHAMPTON so who do i send the CCA request off to please

 

 

thank you Maureen

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Hi, yep as I've just said in PM - submit the AOS, you intend to defend the entire claim. You now NEED to submit a defence ... so thats the next stage and there's plenty of help here - but to acknowledge was urgently needed.

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Would really like some help now on a full defence please

 

Hi, yep as I've just said in PM - submit the AOS, you intend to defend the entire claim. You now NEED to submit a defence ... so thats the next stage and there's plenty of help here - but to acknowledge was urgently needed.
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Hi all my aunt has now received this letter from shoosmiths llp solicitors any help please

 

Dear madam,

 

We write to confirm that we have received notice of issue from county court bulk centre confirming that our client will be at liberty to request Judgment against you on 25th December 2013.

 

We would remind you that once this step is taken you will have a county court judgment registered against your name.This will have an adverse effect upon your credit rating.

 

As previously stated,our client will not refrain from entering Judgment on the basis of instalment payments and requires a lump sum payment in settlement of the debt.We would invite you to consider your financial circumstances and should you be in a position to offer such a lump sum to our client then please contact

 

If you contact us on the above number with confirmation that you will be in a position to make a lump sum payment to our client it may be that our client will be minded to give you a further short period prior to requesting judgment to make the payment.

 

We would remind you that it is strongly in your intrests to make payment as soon as possible to potentially obtain a discount on the figure outstanding and to avoid the further fixed costs which will be added to the debt.

 

Should you have any queries in relation to the contents of this letter then we would urge you to contact a local solicitor,citizens advice bureau or other advisory service.

 

 

 

**** To keep people updated i have sent a CCA request to Arrow global and also sent the same copy to shoosmiths on Saturday *****

 

 

 

thank you Maureen

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are shoeys the solicitor mentioned on the claim form?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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That looks extremely suspicious to me!

 

They are claiming they will be able to obtain judgement on Christmas day? Er I don't think so!

 

Then they continue to blabber about making a payment/limp sum to avoid this alleged judgement being obtained when no court will be open?

Plus they are still referring to discounts and that even in this stage of the game they will stop any legal action?

 

They are either going to issue a summons or they're not!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Ha,my aunt also said the same thing about xmas day ! it just doesn't make sense? but she has had the claim form sent ? any help please on what to do

 

That looks extremely suspicious to me!

 

They are claiming they will be able to obtain judgement on Christmas day? Er I don't think so!

 

Then they continue to blabber about making a payment/limp sum to avoid this alleged judgement being obtained when no court will be open?

Plus they are still referring to discounts and that even in this stage of the game they will stop any legal action?

 

They are either going to issue a summons or they're not!

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Acknowledge receipt of the erroneous claim and state you will be defending in full, with a counterclaim with costs going to the other side.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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