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    • Can I just leave it as saved and not submit or do I need to delete everything?
    • don't file yet not needed till/by 4pm tomorrow   let andyorch check things over 1st    
    • well the claim is stayed so don't panic for now.   is this the ONLY payment made and how did capquest get this out of you? by phone?   explain what caused you to make the payment and how you did it please   dx                
    • Lovely stuff.    1.The claim is for the sum of £882.53 due by the Defendant under the CCA 1974 for a Shop Direct account with the account ref of ********************    2.The Defendant failed to maintain contractual payments required by the agreement and a Default notice was served under s.87(1) of the CCA 1974 which has not been complied with.   3.The debt was legally assigned to the claimant on 08/01/18, notice of which has been given to the defendant.   4.The claim includes statutory interest under S.69 of the County Courts Act 1984 at a rate of 8% per annum from the date of assignment to the date of issue of these proceedings in the sum of £70.60 - The claimant claims the sum of £953.13   #####Defence######   The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.   1. Paragraph 1 is denied. Whilst it is admitted I have held various catalogue agreements in the past, I have no recollection of ever entering into an agreement with Shop Direct and do not recognise the specific account number or recollect any outstanding debt and have therefore requested clarification by way of a CPR 31.14 and section 78 request pursuant to The Consumer Credit Act 1974.   2. Paragraph 2 is denied I have not been served with a Default Notice pursuant to sec87(1) the Consumer Credit Act 1974.   3. Paragraph 3 is denied. I am unaware of a legal assignment or Notice of Assignment pursuant to the Law and Property Act 1925 Section 136(1)   4. On receipt of this claim form I, the Defendant, sent a request by way of a section 78 pursuant to the Consumer Credit Act 1974, for a copy of the agreement, the Claimant has yet to comply and remains in default of the said request.   5. A further request made via CPR 31.14 to the claimant’s solicitor, requesting disclosure of documents on which the Claimant is basing their claim. The claimant has not complied.   6. It is therefore not accepted with regards to the Defendant owing any monies to the Claimant and the Claimant is put to strict proof to:   a) show how the Defendant has entered into an agreement and; b) show how the Defendant has reached the amount claimed for and; c) show the nature of the breach and evidence by way of a Default Notice pursuant to sec 87(1) of the Consumer Credit Act 1974 d) show how the Claimant has the legal right, either under statute or equity to issue a claim   7. As per Civil Procedure 16.5 it is expected that the claimants prove the allegation that the money is owed   8. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.   I will get this put into the defence section. Thank you again.
    • just remove the 2nd part where you mention some reply.
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PDLHell

Gothia Ltd - Advice please

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OK so I defaulted on a few PayDay Loans in August and managed to setup a payment plan with some of them no problem. A few that were being awkward have now been passed to Gothia Ltd who have sent me emails offering me reduced payments / payment plans.

 

Firstly...are Gothia legit ? I presume they are but as my only correspondence from them has been by email then I would like to make sure.

 

Secondly...the payment plans / reduced payments they are offering are reasonable and I'd like to accept them but obviously I have to enter card details. Would entering my debit card details for these plans be wise ?? Obviously, I've changed banks since my Payday loan defaults so no-one has my current card details and I'm apprehensive about giving them out. Or should I just enter credit card details, as obviously my credit card offers a bit more protection ?

There are no contact details (apart from address) for Gothia, so I'm unsure if I can arrange payment by other means.

 

Thanks for any advise.

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Please do not enter any card numbers or bank details as they could take as much as they want from your account .. if you come in to any sort of payment plan ask for there details and pay by standing order or by direct transfer .., also dont set up a direct debit as they can change the amount .. hope this helps

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Gothia are one of the better companies when it comes to repaying PDLs, remember that you only owe the original amount plus one months interest, remind them of that fact.

 

You can get a pre-paid debit card from the Post Office (only need to put £10 on it) and use that to repay them... protect your income at all costs from being raided.

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Gothia are one of the better companies when it comes to repaying PDLs, remember that you only owe the original amount plus one months interest, remind them of that fact.

 

You can get a pre-paid debit card from the Post Office (only need to put £10 on it) and use that to repay them... protect your income at all costs from being raided.

 

So using my credit card would probably be ok then ? I have a card with a low limit so I could just use that I guess.Obviously S/O would be better...but Gothia don't put contact details on their emails.Does anyone have a contact number for them ?

 

Edit : Just remembered that I've got an O2 Money pre-pay debit card too, so I might just use that.

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the pre paid debit card from the post office is only used abroad


:violin::ban::lock1::bump::clock:

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Gothia is NOT one of the better companies - I had dealings with these sharks! I had defaulted on the date of repayment with WONGA - I set up a payment plan with WONGA where I had their bank details and had set up a standing order to them; however my details were sent to GOTHIA who sent a representative to my house before 7am!!!! These people are insane!!! Do not give them any bank card details!!! They will clean you out!!

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