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    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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payment arrangement


knoxvillain
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Back in 2006 I had some financial problems and entered into a payment arrangement with a number of creditors. Things have since improved and on all of them I am back to normal T&C (ie getting charged interest and paying the normal amounts). Except for Barclaycard. They are still taking reduced amounts despite me requesting otherwise and there continues to be "arrangement" on my credit file for this account.

 

At the moment I am not credit worthy due to a default from HBOS (relating back to 2006) however this is due to come off in Sept. My concern is this "arrangement" marker may continue to ruin my credit rating after the default is removed. I am working as hard as I can to make sure everything is as clean and well managed in my credit record from Sept.

 

Can anyone advise if this "arrangement" will ruin my credit rating? I have asked them twice to go back to normal T&Cs and they can charge me interest etc. on the phone they say they'll arrange it and then it never seems to happen frown.gif

 

Thanks

[COLOR=blue][B]Defaultless since 2012 :)[/B][/COLOR][COLOR=green][/COLOR]

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All defaults (entries) are removed after 6 years paid

or not so nothing will then show.

Both debts are at the same stage if Barclays

defaulted in 2006.

It's up to you how much you pay BC set up a standing

order for the amount you want to pay them.

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The account is not settled so I don't see how that could happen? or was the agreement terminated when I entered the arrangement and thats why it'll remove after 6 years?

[COLOR=blue][B]Defaultless since 2012 :)[/B][/COLOR][COLOR=green][/COLOR]

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I would thin it may well have been, they

can at any time though default the account

as any arrangement to pay authorised or not

is a default of the original ts & cs.

Needs watching or they can quietly default

and you then have another 6 year, imo the

default is often better.

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Hi KnoxV,

 

Have you reclaimed all default charges and PPI on this (and any other) credit card a/c.

 

BC will repay not only the charges but compound interest in restitution. This can make a huge difference to the amount you can reclaim, particularly if there are older charges on the a/c.

 

Do you have all your a/c statements going back to when you opened the a/c.

 

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hi slick,

I don't think I had PPI on this. I have claimed PPI back from IF successfully tho. As you can see from my signature I've had some success around bank charges too ;) My credit worthiness once my default is moved is the most important thing to me now.

[COLOR=blue][B]Defaultless since 2012 :)[/B][/COLOR][COLOR=green][/COLOR]

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Hi KnoxV,

 

The reason I ask about charges or PPI is that you could also challenge the validity of the DN if it included default charges which are not enforceable in law.

 

This would be easier to do if you make a court claim to have the charges repaid. You can include the DN issue on your claim.

 

You haven't said if you have all the statements or if there are any default charges on the a/c.

 

:-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

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