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    • Ok well thanks for the help it is appreciate. It’s Car Cash Point. Will press on with the FOS hopefully can salvage something from the situation. 
    • Hi   Sorry did not notice that. Yes I contacted them.immediately after getting their first letter (sent to wrong address) and they advised to send in proof which I did ( and have done  several times). They advised they do not have payment registered and did say the site may not have paid it to them. Is there anything I can do if I have used an unofficial site? 
    • Thanks.  The car was on lease and the leasing co have already grassed me up, so to speak!   I guess it is probably best to wait and see what POPLA have to say and then decide on strategy,  
    • Hang on with the letter till the experts come on, as bits that identify you as the driver definitely need to be changed and writing at all to Parking Lie might not be a good idea at this stage. PE will have sent their letters (IF they sent them) to the address your vehicle is registered with at the DVLA.  With you moving, that could explain the missing correspondence.  Watch out with the DVLA, if you don't update your details and they find out, it's a grand's fine! Yes, get on to the Holiday Inn area manager, and if they are useless, the CEO.  I reckon they will call their dogs off.   Edit - just reading PE's reply to you.  They are an utter disgrace (not a surprise I know).  They reckon you have broken some imaginary contract with them but refuse to give the details and say you have to contact a powerless third party.  Doubt a judge would be very impressed.
    • The later you leave it the more chance you have of receiving the claimants statement...which you can then use as a guide to refute their main points of claim.Drafting a statement in the absence of the claimants really leaves you in no mans land because you are not aware of their main points of claim on which they will rely on...or which you must refute.   Also as previously advised if they dont pay the hearing fee on time and they dont file or serve a statement on you....its a good indication that they do not intend to proceed so all your work has been in vain.   However it is good to be prepared and have a basic statement in case they do pay and do file at the death..leaving you little time to respond and counter.I think a mixture of the two you have already prepared would be the way forward however your point 1 with regards to hearsay evidence wont come into play until you actually receive their statement and if in fact they are relying on hearsay evidence..   Just for information Moriarty do not attend hearings they litigate using and relying on CPR 27.9   Non-attendance of parties at a final hearing 27.9 (1) If a party who does not attend a final hearing– (a) has given written notice to the court and the other party at least 7 days before the hearing date that he will not attend; (b) has served on the other party at least 7 days before the hearing date any other documents which he has filed with the court; and (c) has, in his written notice, requested the court to decide the claim in his absence and has confirmed his compliance with paragraphs (a) and (b) above, the court will take into account that party’s statement of case and any other documents he has filed and served when it decides the claim. (2) If a claimant does not – (a) attend the hearing; and (b) give the notice referred to in paragraph (1), the court may strike out(GL) the claim. So and if you do receive their statement it must include notice as per above.(CPR 27.9(1) Andy
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helpmeee

Finally want to settle my credit card and loan debts

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Hi Guys , i really hope you can help.

 

What can i do next in terms of the debts below? is it still possible to send off letters asking for credit agreements or is that not longer effective? can i settle? ive tried before but they all want 50-80%. i can just about afford 20 tops

 

Credit Cards

 

Arrow global ltd

default since feb2012

Owe 4,610

Currently paying 30 pm

 

hfc bank HSBC credit card - took card out jan 2007

Default since june 2008.

OWE 6120

pay 20pm

 

1st credit -

default since oct 2008

owe: 10,400

paid nothing since oct 2008

 

Apex credit management

default jun 2009

owe:11,380

pay 30pm

 

 

LOANS:

 

MBNA

owe: 6,270

not made payments since oct 2009

defaulted oct 2009

 

 

HSBC

owe 11,800

defaulted august 2008

pay 30pm

 

 

 

I had 7 more debts but all have been settled or satisfied 2 years ago.

 

ps not sure what card debts belong to what debt collection agency :

 

Please help me

Edited by helpmeee

stressed

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Hi,

 

Yes you can make CCA requests at any time they cost £1 statutory fee, they have 12+2 working days to comply use the template from the CAG library for this, address to the Compliance manager.

F& Fs have to be made with care, how long ago were the offers made.


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

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Hi,

 

Yes you can make CCA requests at any time they cost £1 statutory fee, they have 12+2 working days to comply use the template from the CAG library for this, address to the Compliance manager.

F& Fs have to be made with care, how long ago were the offers made.

 

 

made ages ago, i just ask them on the phone when they call for their yearly account status check.

 

 

 

i will write the letters tonight and send them off with a cheque from my mum for £1. i think i don't even know the account numbers for some of them as i shred the letters but i am sure they can search for that?)

 

Do you think it will be sucessfull. Is it worth leaving 1st credit out as last contact was 2008 so nearly 6 years?


stressed

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Yes let 1st Credit alone for now.

F& Fs must be made in writting the oiks you get on the phone don't have any authority to make decisions that come outside the company ''script''.


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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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