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Ind?court letter / welcome car finance debt


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Hi all 1st post so hope its in right place,

 

just recieved court proceddings re ind

who until today i have never heard of,

 

phoned their solicitior and he said to just fill in court forms and send them back

WHAT DO I DO NEXT?

 

CHEERS

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Hi Stoddy, and Welcome to CAG

 

Yes fill them in but don't send them back to them, or you can do it on line MCOL and you need to decide admit, part admit, or defend.

 

Regards

 

Andy

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Thanks Andy

i admit to part of it but the figures they are quoting are way of,this dates back to 2008 and iv had no correspondance from them up until today when the court papers appeared cheers steve

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what is the original debt all about?

 

tell us the story

 

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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it was money i borrowed from welcome car finance

which inm now told is welcome financial services,

 

as far as i can remember it was originally 2k

 

but now with court costs they are asking for 5k

 

.i admit to not paying and thats not the problem

 

the problem is iv had not contact from anyone regarding this debt in the last 4 years until the court papers turned up today

which strikes me as strange and possibly illegal

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They make a Claim at any time Stoddy as long as it is within 6 years without acknowledgement or payment from yourself.Why do you think its illegal ?

 

Take a read here it will outline some options :-

http://www.consumeractiongroup.co.uk/forum/showthread.php?350460-N1-Claim-Form-received-for-old-Welcome-Finance-debt(1-Viewing)-nbsp

 

 

 

Andy

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 OTHER

 

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it was money i borrowed from welcome car finance

which inm now told is welcome financial services,

 

as far as i can remember it was originally 2k

 

but now with court costs they are asking for 5k

 

.i admit to not paying and thats not the problem

 

the problem is iv had not contact from anyone regarding this debt in the last 4 years until the court papers turned up today

which strikes me as strange and possibly illegal

 

probably littered with PENALTY fees for everything

and various insurances you didn't need to have.

 

SAR to welcome PDQ me thinks

 

 

look at everything you reclaim/counrer-claim on.

 

what happened to the car ?

when / if did you last pay anything?

 

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 dx pls excuse my ignorance but im new to site have looked at SAR

and is it not to late for this now its in the hands of the court,

 

money was lent direct to me so car has come and gone

 

last payment will have been towards end of 2008,

 

jst puzzling me how a company iv never had any contact with not even a letter can just turn up

and take me to court without even intro ducing themselves.

 

cheers stoddy

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What are the Particulars of Claim stoddy?

 

If you can type out verbatim (less any identifiable data) see what we have.

 

Regards

 

Andy

We could do with some help from you.

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claimant welcome financial services

the claimant claims for sums due under a credit agreement

related only to money regulated by the consumer credit act 1974,

 

the agreement was terminated upon defendent failure to comply with teams of agreement

 

,the claimnet complied with section iii and iv and annexb of the pd pre-action conduct,

 

then is quotes figures and interest rates last payment 10/1/08.

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Ok fairly vague P.o.C as usual.

 

Read the thread I have linked and then you will see what you need to do to be able to gather information

and then be able to make a decision on which way to deal with this.

 

Your only chance of avoiding a CCJ is to defend all

anything else will attain a CCJ.

 

If that's not a problem then you can part admit but also make a counter claim,

if there was PPI /unfair charges levied to the account.

 

Have a read around the welcome threads and see what others in your position have done.

 

Regards

 

Andy

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 OTHER

 

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  • 2 weeks later...

Hi andy i have today sent my part admittance via mcol,so do i now write to ind solicitor and ask for a cpr31.14 as iv never had any corrispondance from ind until the court papers arrived.sorry to be a pain iv read loads about ind on other threads just dont want to make the wrong move cheers stoddy

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So you are part admitting part defending? Yes send the CPR 31.14 to their Sols named on the summons.

 

Regards

 

Andy

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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You do realise that a part admittance guarantees a CCJ?

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 OTHER

 

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No need to inform the Court of your request but it may be wise to either print your name or sign it uniquely.Yes recorded del a must and retain proof.

 

Andy

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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No need to inform the Court of your request but it may be wise to either print your name or sign it uniquely.Yes recorded del a must and retain proof.

 

Andy

 

Cheers andy

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  • 4 weeks later...

update sent cpr31.14 and have not had responce,

 

got home today to receive a letter from court(northhamton) saying

 

case delt with on 26th june from lack of my responce (my fault been working away and didnt realise my 28 days was up).

 

also recieved a letter from ind saying

heggerty were no longer their solicitor and they shall be acting in person

but thats has nottingham court on it.

 

stuck as to what do next or do i just have to set up a payment plan and put it down to experiance?

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If you can give details of the judgment (Default) Stoddy.

 

Andy

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 OTHER

 

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Hi Andy

 

it says

 

as you have not replied

you are ordered to pay £5,042,83+£165 costs

name and address for payment heggerty llp

 

also received letter from ind saying

heggery nolonger their solicitor and they are now dealing with it themselves,

 

judgement is dated 26th

letter from ind dated 28th

both recieved on monday 2nd,today

 

i have received a letter from nottingham court with an attachments to earnings form as iv not paid.

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get that SAR off .

 

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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