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    • Have we seen your court bundle?   If we haven't then it's probably an idea to post it up here especially the index page and the witness statement so we can see if there is anything which might need adding or changing 
    • "Care to briefly tell someone who isn't tech savvy - i.e. me! - how you did this?" Its pretty simple although not obvious. You open the google maps app > click your profile picture > Click Timeline from the list > click today > choose the date you want to see the timeline from. Then you'll see your timeline for that day. Often, places you have visited will have a question mark beside them where google wants you confirm you have actually visited. You either click 'yes' if you have, or you click 'edit' to enter the actual place you visited. Sometimes, you'll see 'Missing visit' This probably happens if your internet connection has dropped out at that time. You simply click 'Add visit' and enter the place. The internet on my crappy phone often loses connection so I have to do that alot.   OK dx, understood mate. 
    • I have now been given a court date vs Evri, 4th Sept 2024. I have completed my court bundle, when am I expected to send copies to the court and Evri and should it be in hard copy or electronic? The Notice of Allocation states that no later than 7 days before the directions hearing both parties must send to the other party their final offers to settle. Does this mean I will have to tell Evri what I'm willing to settle? Rgds, J
    • Ok how about this to the CEO? I know it sounds super desperate but lets call a spade a spade here, I am super desperate: Dear Sir, On 29th November 2023 I took out a loan of £5000 with you. Unfortunately very early into 2024 I found myself in financial difficulty (unexpected bills and two episodes of sickness and the tax office getting my tax code wrong resulting in less pay for two months) and I contacted you (MCB) on 13th February 2024 asking if there was any way I could extend the length of my loan to 36 months. I fully explained why I was requesting this and asked for your help. I did not receive a reply to that email so I again contacted you on 7th March 2024 to advise you of a change in my circumstances which resulted in me having to take out a DMP and asking you to confirm that the direct debit had been cancelled. You would have also received confirmation of this DMP from StepChange but you did not acknowledge receipt of my email. I have only managed to make one payment from my loan but did try and contact MCB to discuss extending my loan, help etc.  I have now therefore fallen behind on several of my debts, yours included, and as a result you have lodged a Cifas marker against my name for "evasion of payment", which has resulted in me having to change banks, which has been an extremely difficult process because of the Cifas marker. I do not feel you have been fair or given me the opportunity to fully explain my situation to you before you lodged the marker against my name. I appreciate it is a business and you have acted accordingly, but I did try to make contact to arrange alternative arrangements and at no point, not even to this day, did I ever intend to not repay my loan. I cannot stress to you enough how much this has affected my mental health. I am having trouble sleeping and my existing health condition has been exacerbated by all of this. What I would like you to do is to please, please remove the Cifas marker and let me make arrangements to pay the loan back through a DMP.  Please sir, I am begging for your help here. I am not a dishonest person and I have never been in a situation like this before. I am desperately trying to make things right but this marker is killing me. Please can you help me? I look forward to hearing from you. Yours faithfully,
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Blake Lapthorn Northampton Court - Urgent


DARCYS
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Your defence will be on the charges and associated interest.

 

I'll bring your thread to the attention of the more "Legal" guys who will be able to help you with the defence.

 

As long as you acknowledge and tick defend then you will have until the 18th Feb to submit the defence which you can do online.

 

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Hi ims21,

I'm afraid I failed with the Mac download. I'm just left with the original £810.00 charges I say 'only', but you know what I mean.

 

Thank you for your most recent advice and offer to alert the 'legal' guys.

 

One question before I fill anything out online. Am I right to assume it's the same form online as on my paper copy? On the back of my paper copy it says:

1. I intend to defend all of this claim

2. I intend to defend part of this claim

3. I intend to contest jurisdiction.

 

Am I ticking number 2 - I intend to contest part of this claim?

 

I'm really sorry to be so dumb, but I'm really quite nervous about filling something out wrong and not being able to rectify my mistake.

Thank you for everything.

Kind regards

D

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Sorry, but if there's anyone about who can advise I'd really appreciate it.

I'm on the MCOL page & it asks if I'm defending all or part of the claim.

I do have a debt to MBNA or Arrow, but as I mentioned there are substantial charges here & I don't know whether to tick all or part of the claim online.

Thank you.

D

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I would leave it until tomorrow to fill it in...it is going to be a bit quiet here overnight now and you have until 4th Feb to do it.

 

As far as the interest calculations go, there are some online compound interest calculators you could use... Google "Compound Interest Calculator"

 

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I don't know if it's at all relevant, but after trawling through all my paperwork I have found:

 

Letter from Westcot Credit - Client Arrow Global MBNA - dated 7th June 2010

Letter from Westcot Credit - Client Arrow Global MBNA - dated 22nd June 2010

Letter from Rockwell Debt Collection - Client Arrow Global - dated 16th March 2012

Letter from Rockwell Debt Collection - Client Arrow Global - dated 5th April 2012

Letter from Fenton Cooper - Client Arrow Global - dated 8th May 2012

 

But no letters from Arrow Global at any point strangely.

 

D

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Thank you 42man,

I will have a good look around the forum again. I have read many threads, but I get muddled to be honest and probably overthink everything.

Thanks for your help.

Kind regards

D

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Suggest you go on MCOL and file AOS defend all, can you post up the agreement and the default notice that was sent to you, make sure you blank out anything that could identify you

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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Sorry ims21 and creditcardmug,

I've been at work so only just got to your suggestions. Thanks so much.

 

Typically my scanner was on it's last legs and won't work! I'm going to try to get it up and running and then I'll scan the documents & someone who knows what they're looking for will hopefully have a good look for me. If I can't get it working I'll be trotting off in the morning to get a new one.

 

I filed my acknowledgement, but as it was after 4 pm it said it will be processed on the next day the court is open. Will this be Monday? And as this is the 4th - is this not too late?

 

Kind regards

D

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Thanks ims21 - of course - my brain just isn't functioning...it's still in shock, I think.

Either that or I am trying to win 'Dumb Forum Member of The Year'. I feel I am a very strong contender & show great promise to win it :-)

 

Kind regards

D

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just to recap, you have filed AOS defend all, if so you have 28 plus 5 days to file your defence so 33 days from the date the claim was issued (at the top of the 1st page of the claim form) ill post some more in a bit, the site kicks me off iff i type too much in a post????

So you can go and have a drink and chill a bit and look again omorrow in earnest lol

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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I see ims and others are advocating defence re unfair charges etc, however i am not au fait with this, i am thinking they may not have an agreement compliant with CCA, and may not have served a valid Default Notice, either or both of these would be a defence in itself, you can still include the charges issue subseqently if nessesary, thats why you need to post up any agreement/default notice they may have sent you, so we can see whether there is any milage in going down this route. bear in mind the other side are looking at these posts all the time, so make sure you dont include anything that could identify you to them. i see andy is on line hope he sees this:wink:

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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There are similarities between this and my arrow/mbna thread. It's a long read but worth it. Have a read

CAG has helped me so much since I joined. Based on what I have learnt from others on here and my own experiences, I try to chip in and help others from time to time. I am not an expert and give my opinion only. Always check with the more experienced CAG members before making important decisions.

:-)

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Thank you Mr. Hat - I read as much of your thread as I could. You and the other guys have done brilliantly.

I'm so sorry for my delay in responding.

This has been hanging over me but my lack of confidence on what to do has stopped me from doing anything. I am very nervous that I'm going to make a mistake. I make a lot of these...

 

What I'm trying to say is: I'm not sure what I should do next.

Please could anyone advise?

 

Kind regards

D

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I don't know if it's helpful to post these images. This was my credit card agreement that I received. It was printed on both sides of an A4 sheet but only took up approx a third of the paper.

 

I'm sorry they're so small. They are the actual size of the photo copy I received from MBNA.

 

Scan_zpsfc5e473c.jpeg.html?sort=3&o=1

 

Scan2_zps2f3cc622.jpeg.html?sort=3&o=0

 

Does anyone have any suggestions as to what I might need to do?

Thanks in advance

Kind regards

D

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Darcy you need to scan and convert your images to pdf. Remove any identifiable data before uploading.

 

Andy

We could do with some help from you.

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Right, had a read through this. Ideally you need someone with more expertise that me but let's see what we can do for now.

 

1. Am I right in thinking you acknowledged service online in time and chose to 'defend all'

2. In your own words, what is the basis of your defence. Just a short sentence will do

3. Are you aware that you need to file a defence by monday (18th) at 4pm and have you drafted something

4. Have you now managed to calculate the charges + interest

CAG has helped me so much since I joined. Based on what I have learnt from others on here and my own experiences, I try to chip in and help others from time to time. I am not an expert and give my opinion only. Always check with the more experienced CAG members before making important decisions.

:-)

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Hi MrHat - thank you for responding to me.

1. Yes, I acknowledged service online and chose to defend all. I thought this was the right thing to do. Did I get this wrong?

2. I know there are a significant number of charges in the amount being claimed.

3. Yes...and no. Yes, I'm aware but No, I haven't drafted anything as I don't know how to. I'm sorry for being stupid. I have to be honest, I am completely afraid of this. Sorry.

4. No, I haven't been able to calculate the charges including interest, because the spreadsheet didn't seem to like my Mac formatting. I did try a lot, but no joy I'm afraid & I gave up.

The amount of the standalone charges (without interest) was £810.00

 

Thank you for your kindness.

D

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