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    • Right just to get a few things set in my mind.   Date of issue was the 4th of november and defence must be submitted by day 33, is that before day 33 or by the end of day 33?. 33 by my calculation is tuesday the 7th so does that mean I can submit defence tuesday?   As for cca request it was sent on the 18th of november and as of now nothing received which would make wednesday 8th the deadline for them to comply on the assumption its 14 working days, is that correct?   Cpr was sent the same day again with no response, what happens here if they dont repond?   Are there any good examples of defences I can look at?, i'm thinking right now that the claims very vague with no account details or anything on poc so nothing linking me to the account + they havnt provided the cca yet although they havnt defaulted on that yet but will have by the time.   Dont want to leave this till the last second.      
    • I understand that the response to Santander has now been sent. I also understand that the court fee for the next stage is about to be paid. This means that Santander will know that we are prepared to stand our ground in the face of their disgusting treatment. I recall somewhere in this thread that you made a subject access request which revealed that at least one member of the Santander staff disagreed that the money should be withheld. Are you able to point us pleased to that information on this thread? I think that is going to be extremely useful. I also recall that when you requested data relating to that Santander staff member and his concerns at the way that your account was being handled, Santander came back and said that the information could not be found. Please could you point us to the place on this thread where we can find that again. Of course I certainly don't believe that the information can't be found. I think Santander are trying to protect themselves – in exactly the same way that they are trying to protect themselves by offering you your own money back but on conditions that you keep it hush-hush. Also, not on this thread I've discovered information that makes me sense that there could be an element of racial profiling here. I take this very seriously and we will be raising this concern with Santander and also the National Crime Agency – and also the court. If I'm correct that racial profiling has come into this decision to withhold your money then of course one would expect it to be referred to among Santander's files – but once again, I'd be surprised if those references ever saw the light of day. Still, we will leave a judge to draw their own conclusions
    • Hi Andy   Thanks for taking the time to look at my documents.   I don't need to submit draft defence along with the witness statement? I suppose the witness statement would be the better one to submit in my case?   Should I copy some of the points from the draft defence into the witness statement?   Thanks
    • BAILIFFS are not automatically sent The claimant has to request their use, of which the court informs the defendant AFAIK of the application for enforcement.   And there is not right of forced anyway .   What address was the business registered at ? The home address?
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I am unsure how to post a new thread but i am having problems with this company too. I have taken out a loan with speed credit, as i was desperate, I was unable to pay on friday my due date as i have lost my job. I am currently on a dmp and now today i got an email saying...


03.08.12 - Sum outstanding GBP 703


We have made a number of attempts to contact you by email and SMS to discuss the outstanding balance on the short-term loan you took out on 03.08.12 and you have made no effort to return these enquiries.


We have also warned you in advance of additional charges you have incurred.


As we make clear to all our customers our product is intended to be a short term financial solution. If the loan is extended this product can become expensive.


As we have not heard from you and not received payment we have been left with no alternative and are writing to advise you that this debt will be passed on to our Debt Collections Agency in the next 24 hours.


As per the terms of the contract between Speed Credit and yourself (see http://www.speedcredit.co.uk/terms.html) instructing the Debt Collections Team will add a further GBP 150 to the balance you owe. Debt recovery agents will call at the addresses we have on file for you until they are able to successfully collect the sums you owe. If our debt recovery agents, after a reasonable attempt at the addresses on file, cannot successfully recover the monies owed by you, we will issue a claim against you in the county court for the outstanding balance plus the further charges and recovery costs that have been incurred.


You should be aware that a County Court Judgement against your name will remain for 6 years on the National Credit Records (NCR) accessed by employers, insurers and banks and may result in:-


a) difficulties in obtaining future credit

b) difficulties in obtaining a mortgage

c) being questioned at a County Court as to your financial circumstances

d) any current employers being info rmed so an application against your earnings can be issued

e) difficulty in securing future employment due to an adverse credit history and credit score

f) a Warrant of Execution and bailiffs being instructed


We will apply for a County Court Judgement followed by a Warrant of Execution and a Bailiff order to seize goods from your addresses to be issued simultaneously to the County Court Judgement. This Warrant authorises Certificated Bailiffs to seize goods at the addresses held on file for you (including what may be your family home). These goods will be taken and put up for sale at public auction until the total amount you owe is satisfied.


The initial cost of issuing a County Court Judgement is GBP 45, this will be charged to your account on the date of issue.

The further court costs including solicitors time, application for a Warrant of Execution and the appointment of Bailiffs will also be added to what you owe.


As you can se e this will ultimately cost you a great deal more if you do not deal with this matter now.


It will also cause you a great deal of difficulty for many years to come.


We strongly recommend that you settle this amount immediately to limit further costs, preserve your credit rating and your ability to gain full time employment.


Please immediately pay 703 by either:


1) Paying online by visiting http://www.speedcredit.co.uk and clicking Pay Now;


2) Make a bank transfer for GBP 703 to:

Barclays Bank

Account number 93462382

Sort code 20-50-94

Ref: Use your mobile number (447584327790) as a reference so we can match it correctly


ALSO please EMAIL us confirming that this has been done to stop the debt being passed to the debt collectionTeam and further charges being incurred.


If you ignore this and our debt recovery agency is instructed it will be a short matter of time before the CCJ is issued and Bailiffs are instructed to seize goods.


We look forward to hearing from you confirming a speedy resolution of this matter.


If you have already repaid and this is not reflected in the above statement please contact us so we can investigate this further and correct your file.







t: 084 3381 3381

ïï€ Please consider the environment before you print this email.

_________________________ _________________________ ___________________



The views and opinions expressed in this email may not reflect the views and opinions of any member of Mobile Credit Online Capital Limited. The information contained in this message is confidential and may also be privileged. It is intended only for the addressee named above. The unauthorised use, disclosure, copying or alteration of this message is strictly prohibited. If you are not the addressee (or respo nsible for delivery of the message to the addressee), please notify the originator immediately by return message and destroy the original message. This message and any attachments have been scanned for viruses prior to leaving our network. However, we do not guarantee the security of this message and will not be responsible for any damages arising as a result of any virus being passed on or arising from any alteration of this message by a third party. We may monitor emails sent to and from our network.







I was wondering if anyone had advise on how i should go about this, i have tried ringing the company and they are either hanging up or when i get through saying they dont take dmp. Im really worried what should i do?

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First of all, take a deep breath and don't worry about their threats to take you to court or visit you.


Second, don't bother talking to them on the phone, keep everything in writing so you have a paper trail to proof everything should that be necessary at a later point.


Offer them to repay what you really owe (amount borrowed + one month interest - any payment already made). All those fantasy charges they add won't hold up if they actually took you to court.

Offer them to repay at a rate you can realistically afford, be it through dmp or otherwise, even if the whole thing ended up in court, the Judge would not make you pay more than you can afford, even if that's only 1£ per week.

While they are not technically required to accept just any repayment proposal from you, ultimately it is in their interest to take what you offer them as everything else could have negative consequences for them if they tried to chase the debt through legal means.

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See the reply to your other thread.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..



If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks


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