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    • Yeeeeees! Well done on your victory!  👏
    • Hearing held today in court. I attended in person and Evri had an advocate attend on their behalf to defend their position that my contract is with Packlink and not with them. I also provided a copy of Evri's terms and conditions which explains that a contract is entered into when a parcel is sent with Evri. The judge pointed this out to the Advocate and agreed there is a contract between me and Evri under the Ts and Cs. The judge explained that while Packlink are responsible for organising the delivery of the item, it is Evri who are responsible for handling the goods and delivering them, and therefor Evri has a responsibility to handle the goods with reasonable care and skill. So am pleased to say the judge found in my favour. Hearing lasted about 75mins. Evri has been ordered to make payment within 21 days. Also nice to meet @jk2054 in person.
    • Good morning,    I just wanted to update you on the situation.    I have visits piling up with my current employment and they need doing before I finish at the end of this month.  I am moving to Wiltshire in 3 weeks for a new job helping care homes with their Dementia patients. I tried to work it out and at a guess I will be doing about 20-25,000 miles a year. So need a vehicle that can cope with that mileage, my old car would have done it easy but 🤷‍♂️ I have taken out a loan and got a friend to find me a reliable car that can cope with the miles and hasn't been written off in the past.   I phoned Adrian flux to see if I could use the last months insurance on a new car I have bought, the girl I spoke to phoned Markerstudy and asked them but they said no, my new car doesn't have any modifications.    I had an email from someone who saw one of my appeals for information, they live near the site of the accident and know a nearby farmer who has a security camera at his entrance that catches the traffic and specifically registration plates as he has been robbed before. They said they would reach out for me and see if he still has the data. Unfortunately it wont catch the scene of the crash.   The Police phoned me and said they were closing the report I made, even if they found footage of the vehicle at the time I said the actual incident would be my word vs theirs.  My first response was I am sure google maps would show that they turned around at that location which would verify my version of events, but upon reflection I do understand, I have seen people doing make up with both hands while driving, eating from a bowl steering with their knees and veering all over the place. I am sure some of these people go off the road and claim that someone forced them off.    Markerstudy phoned me yesterday to say that my car is now at Copart, the £80 tank of Vpower diesel was emptied on entry to the site for safety reasons, which I get but it sucks.  It is awaiting being assessed and shouldn't be too long, which is a relief.  I am really glad things do not seem to be going the way of the other stories and they seem to moving quickly.   However I was informed that my car was a structural write off before I bought it - this destroyed me, I was almost sick.  and this is going to affect any offer of money - after hearing the first statement this didn't affect me.   They need to wait for the assessor to check it over but it is highly likely to be written off and the maximum they can offer is £2300.  I was desperate for a car as I was working for an agency at the time, no work no pay, and did not do a vehicle check because I didn't know about them.  The seller did not tell me that it had been structurally written off, he told me that it had the front wing damaged while parked and was repaired at an approved repairer.  Markerstudy records state that it was sold at auction, no record of repair at an approved repairer.  I bought it bank transfer with hand written receipt.    It gets worse.    It turns out my airbags should of gone off. For some reason they are not working. I think we can figure out why.  If I had hit that car head on and had no airbags.    Some good news.    I can arrange a time with Copart to go and take my stereo equipment and any personal items that are left in the car only. I cant live without music and need quality sound, my speakers and amps are Hertz and JLaudio, (no I am not a boy racer with booming subs, I am an audiophile on a budget) I was really worried I wouldn't get them back so this is a huge relief for me. It is stuff I have built up over years of saving and collecting. Everything to do with the vehicle and mods I have declared need to stay to be assessed.   The accident has gone as a fault on my record, I have to remove 2 years NCB which means I still have some to declare which is good.  So it appears at this point that it may be resolved quickly, not in the way I was hoping, but not as bad as I presumed it was going to be based upon that tow truck drivers attitude and behaviour and the horror stories I read.   I am not going to buy the car back and try to make money with all the parts on it, I don't have the time or energy.   I may need an xray on my back and neck.  The whole situation has left me feeling physically sick, drained and I need it done.   The lesson learnt from this  -  My conscience is 100% clear, my attitude to safety and strong sense of personal responsibility - A rated tyres even if on credit card, brake fluid flush every year, regular checks of pads and discs, bushes etc, made avoiding what I believed to be a certain broadside collision possible.   Get a dashcam (searching now for the best I can afford at the moment)  -  Research your insurance company before you buy  -  Pay for total car check before you go and see a car and take someone with you if you are not confident in your ability to assess a vehicle.      Thank you to everyone here who volunteers their time, energy and information, it is greatly appreciated.  You helped my sister with some advice a while ago but we weren't able to follow through, she is struggling with long term health conditions and I ended up in hospital for a while with myocarditis, when I got out and remembered it was too late.  I am going to make a donation now, it is not a lot, I wish I could give more, I will try to come back when things are on a more even keel.    Take care
    • It seems the solicitor has got your case listed for this “appeal” but not for the Stat Dec(SD). You need to ensure you can perform your SD on the day. If you are able to make your SD in court, the situation you are in now is more straightforward than if you made your SD via a solicitor. You have been convicted of two offences (and two were dropped) via proceedings of which you were not aware. The way to remedy that is to perform an SD. No appeal is necessary (nor is it available via the magistrates’ court). If you are able to make your SD this is how I see it panning out: You will make your SD to the court. The court must allow you to make it as it will have been made within 21 days of you discovering your convictions. You will then be asked to enter pleas to the four charges again. At this point you should plead not guilty to all four but make the court aware that you will plead guilty to the speeding charges on the condition that the FtP charges are dropped. The prosecutor will be asked whether or not this is agreed. In my opinion the overwhelming likelihood is that it will be. If it is you will be sentenced for the two speeding offences under the normal guidelines. In the unlikely event it is not accepted,  the speeding charges will be withdrawn (they have no evidence you were driving). You have no viable defence to the FtP charges and so should plead guilty. This will mean 12 points and a “totting up” ban (as you have already suffered). You can present an “Exceptional Hardship” argument to try to avoid this (explained below).   Because of this, I don’t see any need to make an argument to ask to have any ban suspended (pending an appeal to the Crown Court) unless and until you are banned again. The only reason I can think the solicitor suggested this is to secure a (Magistrates')  court date. I was surprised when you said you had an appointment so quickly; a date for an SD usually takes longer than that. However, if you can use it to your advantage, all well and good. I can’t comment on the argument that the two speeding offences were committed “on the same occasion” as I don’t have the details. That phrase is not defined anywhere and is a matter for the court to decide. It’s an interesting thought (and only that) that such an argument could equally be made for the two FtP offences. If the requests for driver’s details arrived at your old address at the same time, with the same deadline for reply, it could be argued that you failed to respond to hem both “on the same occasion” (i.e when the 28 days to respond expired) and so should only receive penalty points for one. Hopefully you won’t need to go there. I think you have information about avoiding a “totting up” ban. But here’s the magistrates’ latest guidance on "Exceptional Hardship" (EH) which they refer to: When considering whether there are grounds to reduce or avoid a totting up disqualification the court should have regard to the following: It is for the offender to prove to the civil standard of proof that such grounds exist. Other than very exceptionally, this will require evidence from the offender, and where such evidence is given, it must be sworn. Where it is asserted that hardship would be caused, the court must be satisfied that it is not merely inconvenience, or hardship, but exceptional hardship for which the court must have evidence; Almost every disqualification entails hardship for the person disqualified and their immediate family. This is part of the deterrent objective of the provisions combined with the preventative effect of the order not to drive. If a motorist continues to offend after becoming aware of the risk to their licence of further penalty points, the court can take this circumstance into account. Courts should be cautious before accepting assertions of exceptional hardship without evidence that alternatives (including alternative means of transport) for avoiding exceptional hardship are not viable; Loss of employment will be an inevitable consequence of a driving ban for many people. Evidence that loss of employment would follow from disqualification is not in itself sufficient to demonstrate exceptional hardship; whether or not it does will depend on the circumstances of the offender and the consequences of that loss of employment on the offender and/or others. I must say, I still do not understand what the solicitor means by “As a safeguard we have lodged the appeal and applied to suspend your ban pending appeal due to the time limit for being able to automatically appeal without getting leave of the Judge.” When they speak of “leave of the judge” I assume they mean they have lodged an appeal with the Crown Court. I don’t know what for or why they would do this. It seems to follow on from their explanation of the “totting up” ban. If so, I’m surprised that the Crown Court has accepted an appeal against something that has not yet happened. But as I said, i is no clear to me. Only you can decide whether to employ your solicitor to represent you in court. If it was me I would not because there is nothing he can say that you cannot say yourself. However, I am fairly knowledgeable of the process and confident I can deal with it. That said, I do have a feeling that the solicitor is somewhat “over egging the pudding” by introducing such things as appeals to the Crown Court which, in all honesty, you can deal with if they are required. I can only say that the process you will attempt to employ is by no means unusual and all court users will be familiar with it. I can also say that I have only ever heard of one instance where it was refused. In summary, it is my view that it is very unlikely that your offer to do the deal will be refused. If it is accepted, you may be able to persuade he court that the two speeding offences occurred "on the same occasion" and so should only receive one lot of points. Let me know the details (timings, places, etc) and I'll give you my opinion. Just in case your offer is refused, you should have your EH argument ready. Whether it's worth paying what will amount to many hundreds of pounds to pay someone to see this through is your call.  Let me know if I can help further.    
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Arrow Glabal/Drysden Fairfax/MBNA - think I am in trouble here!! Pls help me - Claim form issued


Lou7477
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Hi

 

i received court papers recently for a debt of over 4 years ago. (Quick history, was made redundant from a £31k a year job in mortgage co, couldn't find equivalent salary locally, voluntarily surrendered house, have debts totalling over £214,000!, already had 2 children back then, then found out was pregnant, made redundant in 2011 again, now have 1 year old twins, 8 and 11 year old boys, manage to survive on housing benefit, hubbys wage, and selling my belongings on ebay!)

 

the solicitor Drysden Fairfax pestered me once I'd spoken to them via the phone and I filled in the court papers saying I admitted the debt but can not pay it. I sent them income and expenditure info, creditors list as they requested and now have had a letter saying they are still going for a ccj judgement. i have nothing to give, no large assets other than my banger of a 7 seater car which has just broke down (again!!)I do have a small job working 6 hours a week as that's all I can do bearing in mind that to put twins into nursery full time would require a salary equivalent to the Prime Minister!

 

What do i do here?? I am frightened a court will pass judgement and me not be able to repay it each month then they say bailiffs will be sent! not sure what bailiffs would take as even the tv isn't mine, we borrowed it off my mum when ours broke.

 

Can someone advise how I can proceed, i don't know if it's too late to do anything as I admitted the debt (I don't deny it's mine, never have done) I could ask for a copy of the credit agreement? would that help?

Please help me someone :(

thank you

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Ouch, I dont really know what to suggest - can you please expand on the debt that the claim has been issued for ?

 

Credit card - loan.. !! - what is the value of the debt.

 

Then I will know who to send S.O.S to.

 

 

 

Have you completed a budget sheet so the court can see how much, if anything you can afford to pay.

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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It was a credit card with MBNA, it now stands at £6450.19. I rang drysden fairfax and said the court sheet wasn't relevant to me and my situation, they told me to do an income and expenditure sheet plus creditors list which I have done. We have little spare cash each month, if a school trip comes up or my car needs fixing, we are knackered so to speak. Christmas is something I can't even think about right now and this is stressing me out completely :( I got the court name and case number off the solicitors but it's in Northampton and I live in the northwest so can't attend any hearing as it's too far away.

i don't even know why this lot are trying to pursue me, no-one else has as they now realise I have nothing to give

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Ok, well I think you might have been better looking further into this to see if you could mitigate any debt.

 

Northampton is simply the issuing centre - had you defended then the claim would have been transferred to your local court.

 

You only need read round the forums to see that MBNA and their solicitors are a nasty bunch.

 

Do you know if there are any default/penalty charges on this account.

 

Had MBNA or DCAs communicated with you prior to the issuing of the claim form.

 

I see Arrow Global are involved - had you been advised of the Assignment/sale of the debt.

 

Had you been issued with a Default Notice or Letter before Action ?

 

 

I will move your thread to the Legal issues forums - you dont have to do anything and you should continue to post on this thread - it is just an administrative move.

 

Chin up.. I will send out some S.O.S for you.. I am sure someone will look in on you over the weekend with some advice :)

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

Uploading documents to CAG ** Instructions **

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Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

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3: Banking Conduct of Business Regulations - The Hidden Rules

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Lou

 

Do you have any assets at all, are you in rented accomodation?

 

Assuming there was a shortfall on the mortgage at VS was this ever pursued?

 

What sort of effect would an IVA or Bankruptcy have on you and hubby with regard to your line/s of employment

 

Just wondering whether a clean slate approach would better suit and give you a fresh start

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Ok well I've had a nosey round and they seem to be a horrid lot! I suspect there will be default charges etc but I've had no statements or correspondence from anyone for years.

 

I was being harassed by Frederickson international something or other, now I know they are connected to this lot. I refused to answer all there calls as they wanted private information from me yet they phoned me?!

 

i've had nothing from MBNA themselves in years.

 

i have not been notified of any assignment of debt/sale of the debt to anyone let alone Arrow

 

I've seen no default notification and not received any correspondance before Arrow instructed court proceedings via Drysden Fairfax (although they claim to have written to me)

 

To be fair, I owe so much money nothing really bothers me anymore (we already have a ccj for over £30k which we pay nothing to) but I don't feel fairly treated or listened to in this instance and would rather not have another ccj if possible.

 

Thank you for the help so far, hopefully I can sort this out before the court thing happens. I doubt if theres even a cca as I was 18 when I got this card and I'm now over 30. i don't ever try to deny I owe money, I know I do and if i could pay, i would. I'm not a person who won't pay, I just can't due to circumstances right now. I've never been in this situation before.

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Hi

We have no assets, we gave our house back to northern Rock, we owe them about £123k due to shortfall after the sale. They don't come near us anymore. They did for a bit but then gave up but refused to write off the debt despite us asking them to. We rent currently and have done for over 4 years. I have a car, a grande espace which keeps breaking down. It's a 53 plate but without that i can't get the boys to school or me to work. Would they make me sell it?

I wanted someone to make me bankrupt (the fees were too high for me to do it) but no-one would as they know there's nothing in it for them. most debts are in my sole name apart form northern Rock mortgage and a joint loan we had. My husband works at a concrete firm, he's worked his way up from the bottom to become a factory manager, not very glamorous and not sure how his work would react. I am a midday assistant a school working 6 hours a week for minimum wage, how would the local council react if I was bankrupt? I've no idea.

how do i go about an IVA? Don't you need money to pay these people? we have looked hard at our expenditure and can cut back in a few areas but would the payments be huge each month?

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Hi

We have no assets, we gave our house back to northern Rock, we owe them about £123k due to shortfall after the sale. They don't come near us anymore. They did for a bit but then gave up but refused to write off the debt despite us asking them to. We rent currently and have done for over 4 years. I have a car, a grande espace which keeps breaking down. It's a 53 plate but without that i can't get the boys to school or me to work.

 

I wanted someone to make me bankrupt (the fees were too high for me to do it) but no-one would as they know there's nothing in it for them. most debts are in my sole name apart form northern Rock mortgage and a joint loan we had. My husband works at a concrete firm, he's worked his way up from the bottom to become a factory manager, not very glamorous and not sure how his work would react. I am a midday assistant a school working 6 hours a week for minimum wage, how would the local council react if I was bankrupt? I've no idea.

 

how do i go about an IVA? Don't you need money to pay these people? we have looked hard at our expenditure and can cut back in a few areas but would the payments be huge each month?

 

If you have no assets, then it might well be a good idea for you to think about BR.

 

You could speak to National Debtline who might even be able to put you in touch with one or two charities that still make funds available for people who cannot afford to go bankrupt.

 

In theory, the isntalments for repaying the debt should be tailored to your budget so it might be worth sorting out an I&E form - I have attached a copy of the one we advise repossession threads to use.

 

Ellens Budget Sheet.xls

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

Uploading documents to CAG ** Instructions **

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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

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5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I wonder if it would be worth your writing to both the claimant (who I am assuming are Arrow Global) via their solicitor and advise that unless you can come to a satisfactory instalment arrangment then BR will be your only choice. It would then give you a clean sheet to restart your lives after a year !!

 

Hold fire over the weekend and see what others have to say.

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Great thanks, I'll try National Debt people then. Didn't know they could help you to do that sort of thing although i would prefer not to have to be bankrupt BUT it's looking like the only choice now really!

 

I will fill in the sheet you sent thank you for that, how to I get an IVA ? How long do they last for? Do all creditors have to agree to accept the installments? Sorry for so many questions :(

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I wonder if it would be worth your writing to both the claimant (who I am assuming are Arrow Global) via their solicitor and advise that unless you can come to a satisfactory instalment arrangment then BR will be your only choice. It would then give you a clean sheet to restart your lives after a year !!

 

Hold fire over the weekend and see what others have to say.

 

no I haven't written about that, I tried explaining on the phone bu the office monkeys weren't in a listening mood. I will wait until the weekend has gone and send them a letter!

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Hi Lou

 

 

NDL link is here

 

 

http://www.nationaldebtline.co.uk/

 

 

They should be able to go through your options with you, not so sure an IVA would be agreed.... I'd imagine NR would vote against.

 

 

Have a chat with ndl first, you may be surprised at what can be achieved. As for employment, that's another bridge to cross once you have the facts to hand and you may find everything can be settled with a 12 month discharge to give the family a fresh start.

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no I haven't written about that, I tried explaining on the phone bu the office monkeys weren't in a listening mood. I will wait until the weekend has gone and send them a letter!

 

 

You are truly wasting your time talking to them on the phone. Aside from the fact that you have no record (unless you are able to record the conversation) they simply dont want to know.

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi, How old id this debt? When did you last make a payment on the account?

 

The case if it does go to court will be transferred to the nearest court to you.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Brig - OP has admitted the debt using the other form that comes with the claim :(

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Brig - OP has admitted the debt using the other form that comes with the claim :(

 

Only because they said I absolutely must fill it in!! I don't deny the debt so admitted it not knowing that this would be more trouble :(

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Lou, can you let us know the date of issue - top right hand side of the form.

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Lou, can you let us know the date of issue - top right hand side of the form.

 

It was 16 oct but I rang the solicitor Drydens fairfax to say I was being forced to move house (landlord sold the house) and wasn't in a position to access all the info required so they told me I had until 12 nov to send form to them (not the court)

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Hmm, I am not happy about them basically misleading you about your options.

 

Speak to NDL on Monday - see what they have to say.. especially about the BR option.

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hmm, I am not happy about them basically misleading you about your options.

 

They said I had no option, they said to complete the info required otherwise judgement would go ahead. Even though I've done all they wanted and shown income/expenditure and list of huge creditors they still want to pursue. When I spoke to them last they just kept saying there's nothing you can do get legal advice, over and over!

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This is the problem with telephoning these cretins.

 

There is nothing that can be done until Monday. We can try and think of something over this weekend..

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Shame they've wasted their money on filing the claim, no assets, no security, limited income, debt in your name only....... bl**dy fools - what a waste of time and resources for a return of a £1.00 a month.

 

As Cb says, wait until you've had your chat with NDL on Monday..... if you decide BR isn't for you we can always take a look at a redetermination if they progress to judgment.

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