Threatened with Bankruptcy Proceedings -Aktiv Kapital/Judge & Priestley EGG Card

[ex-manager-of-AK/Thames]

Hi Tezzaa61

 

as you can see from my name. im probably the best person who can help you here.

First of all I agree with the links below. First of all see if its stat barred (6 years old from the default date) if it is, they can’t do squat all.

If its not. Still don’t worry. The letter you have says we ‘MAY’ take one of the follow actions.

Along the lines of, field agents (these are not bailiffs, bailiffs can only come out for the queens money... not credit) CCJ’s, Bankruptcy or carry on collections.

I bet that take the last one. J

If for some reason they do go down the steps of Bankruptcy (very very slim chance by the way) then offer them a £1 a month. By LAW if you admit to the debt and are willing to make payment, then they can’t take any other action against you.

They can say however, they are not willing to except that... TUFF, By law they have to. J

I have some mates that work for Judge and Priesley. They love work from us as all they do is send a legal letter and it scares people into paying.

Always remember we were trained with the concept that Bulls@#t baffles.

If you don’t understand the credit law. The negotiators can tell you want they want because you don’t understand the laws and scare you into paying.

[tezzaa61]

Hi Tezzaa61

 

as you can see from my name. im probably the best person who can help you here.

First of all I agree with the links below. First of all see if its stat barred (6 years old from the default date) if it is, they can’t do squat all.

If its not. Still don’t worry. The letter you have says we ‘MAY’ take one of the follow actions.

Along the lines of, field agents (these are not bailiffs, bailiffs can only come out for the queens money... not credit) CCJ’s, Bankruptcy or carry on collections.

I bet that take the last one. J

If for some reason they do go down the steps of Bankruptcy (very very slim chance by the way) then offer them a £1 a month. By LAW if you admit to the debt and are willing to make payment, then they can’t take any other action against you.

They can say however, they are not willing to except that... TUFF, By law they have to. J

I have some mates that work for Judge and Priesley. They love work from us as all they do is send a legal letter and it scares people into paying.

Always remember we were trained with the concept that Bulls@#t baffles.

If you don’t understand the credit law. The negotiators can tell you want they want because you don’t understand the laws and scare you into paying.

 

Hi,

 

Thanks for your reply. What I have received is what appears to be a Claim Form from NCC, it has the court stamp on it and some official looking crest at the top, so to me it looks like it has come from the court or has at least been stamped by the court, if I had a scanner I'd post a pic.

 

Can you advise what to do , if this is from the court

 

Thanks

[BRIGADIER2JCS]

Lookiking in as requested.

 

There should be more than just

a claim form, other documents

and guidance on filling them in

should be there.

Can you type up a suitably edited

copy of the Particulars of Claim??

[tezzaa61]

Lookiking in as requested.

 

There should be more than just

a claim form, other documents

and guidance on filling them in

should be there.

Can you type up a suitably edited

copy of the Particulars of Claim??

 

Thanks for taking another look

 

Yes there is a Claim Form and a Response Pack comprising: Admission Form/Defence Form and Acknowledgement Of Service

 

Amount Claimed 7032.51

Court Fee 190.00

Solicitor Fee 100.00

Total 7322.51

 

I'll try and get the original CCA scanned and posted as you earlier suggested. If the CCA is enforceable, what would my options now

be, I read somewhere that I can offer to pay £1 per month and they are required to accept that, is that true?

 

Thanks for all your help so far

 

T

[tezzaa61]

Edited April 5, 2012 by tezzaa61

[tezzaa61]

Hi,

 

I've posted the original CCA and the Claim Form from the Court, could someone advise me of my options. Thanks

 

[tezzaa61]

[tezzaa61]

[BRIGADIER2JCS]

All seems compliant to me, others may have opinions.

[tezzaa61]

Had a call from a Solicitor at J & P, they wanted some clarification regarding my I & E, plus proof of benefits as well as wanting to know what equity I had in the house. They had a lot of info about me that Aktiv had provided them with.

 

I know if is best not to speak on the phone with them, but I was holding out a hope they might have been ringing to say they had accepted my proposal to pay them £1 per month. I told them the current value of my house, but that info they could have got any way.

 

The solicitor is going to get back to Aktiv with the info on my circumstances I provided them with. So I am just waiting to hear back from them.

[BRIGADIER2JCS]

Hi, tezza,

 

Very unusual for J&P to phone anyone I have dealt with them

quite a few times on the behalf of others and phone contact

with them is a nightmare,

I think you are right to just wait and see what they come

up with.

 

I think you should take this to mediation if they don't respond

favourably now.

[tezzaa61]

Hi, tezza,

 

Very unusual for J&P to phone anyone I have dealt with them

quite a few times on the behalf of others and phone contact

with them is a nightmare,

I think you are right to just wait and see what they come

up with.

 

I think you should take this to mediation if they don't respond

favourably now.

 

Hi thanks for the reply. When you say take to mediation do you mean go to someone like CAB? They filled out the form for me that I sent to the court, but I signed it. So J&P would have thought the form was send by me direct.

[Jam_Buttie]

I have some mates that work for Judge and Priesley. They love work from us as all they do is send a legal letter and it scares people into paying.

 

 

US? I assume you still work for AK... Alos, a post entry of 1 too LOL

[BRIGADIER2JCS]

HMCS Mediation service helps a debtor to reach

a negotiated payment plan and there is no CCJ.

[tezzaa61]

HMCS Mediation service helps a debtor to reach

a negotiated payment plan and there is no CCJ.

 

OK, thanks for clarifying that for me and all your help so far

[tezzaa61]

Can the Mediation be done over the phone?

[BRIGADIER2JCS]

Yes it's the best way, you are contacted by the mediator and are told how it all works,

then an appointment is made for the DCA and you to negotiate, the mediator will put

forward the creditors claim in simple terms you the have the oppotunity to put your case

forward offer of payment/how long etc which the mediator passes to the creditor and so

on until a conclusion is reached.

If you reach an agreement the a consent order is made by the court and thence a Tomlin

order which is legally binding on both parties.

The Mediator is NOT a judge or a lawyer cannot cannot give legal advice but Wlll explain

porcedures to you.

[tezzaa61]

OK, thanks for explaining.

 

Much Appreciated