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    • I do disagree with you regarding one thing - we are not very good with letters or these situations and are slow on the uptake. So far you have stood up to Excel and their threats, immediately given us the information in the sticky, done loads of reading up to educate yourselves, learnt from the mistake of outing the driver so you'll know not to do so in the future, got on to the organ grinder to try to get them to call off their dogs, etc., etc.  Good grief - we wish everyone who came here would do this!!! Most people who get these invoices sadly think they have been fined and if they don't pay a drone from Ukraine will be diverted and will fall on their home (or some such vague grand apocalyptic threat) and they fold and give in.  You haven't.  Well done. Don't worry - you won't be paying a penny.  Although it will take some time to see off this vile company.
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    • Hi,t I'm not sure if I'm posting in the right subsection but General Retail appears to be the closest to it I think... About a year and a half ago I got a new phone so I listed my iPhone 10 on eBay.  The listed stated 'UK only' and 'no returns accepted'. Considering I had had the phone for about 4 years, I myself was amazed that I had kept it in such good condition all that time - apart from being slightly scuffed around the charging port there was absolutely nothing wrong with it. It had the original box, its unopened original Apple cable, plug, and earbuds, and I threw in a case for it and It had always had a screen protector on it. Someone wanted it from Armenia, and I stupidly agreed to it.  She paid and I sent it off, fully insured. Not long after she received it, she sent a message saying it 'was not as described', so I asked to see photos of whatever was the problem.  She sent two photographs of the box.  Just the box.  I said I wasn't even going to consider refunding her unless she told me what she meant by 'not as described'.  I thought, if it's been damaged in transit, then it would be covered by the insurance. Anyway, she didn't respond at all, even though I had messaged her several times, so she opened a case with eBay. I have sold a fair few things of mine on eBay in the past buy had never had had anyone come back to me asking for a refund.  I got in touch with eBay several times by phone and by email, and found out they always side with the buyer, no matter what with their 'eBay Seller Guarantee'.  She had been told she could keep the phone and told me they would recover the money from me from my account blah blah.  So I unlinked all of my cards etc and changed my bank account to one that I never use with no money in it. My account got suspended.  I continued to try to explain to eBay that I had been scammed but I got nowhere. My account was permanently inaccessible by this point. I reported the phone stolen and the IMEI blacklisted but I'm not sure if that would make any difference being in Armenia, but it was all I could think of to piss the buyer off. A couple of months later I was contacted by email by a debt recovery company (I can' remember who now), to whom I explained I will not discuss the matter with them until I had received an SAR I had requested from eBay. As I could no longer access my account, I couldn't review the communication I needed to show I was not in the wrong. The SAR was produced but I was advised that the information I was looking for would not be included but I said I wanted it anyway.  There were so many codes etc. and hoops to jump through to access it, that even after trying whilst on the phone to them, I still couldn't get into it, so I never got to see it in the end.  I think they said they would send the code by post but they never did and I forgot about it after a while. I've just come across a couple of emails from Moorgroup, asking me to phone them to discuss a private matter regarding eBay.  I haven't replied or done anything at all yet.  The amount they are trying to recover from me is £200ish from what I remember. I know it's not that much but I don't want to pay the b*astards on general principle. I've had a lot of useful advice from CAG in the past about debt collectors but it has always been about being chased by creditors, I've never been in this situation before. I don't know what power they legally have to recover the 'debt', and most importantly, I am two years into a DRO, and the last thing I want is another CCJ to shake off if I'm cutting my nose off to spite my face.   Any advice gratefully received!!
    • Hi, I have the Sims 4 on Macbook. Over the last year I have paid for multiple add on packs spending a lot of money on them. I bought them all in good faith as my Mac met all the minimum requirements to play them. I have been playing happily for about a year and bought my latest pack just over a week ago. The games were all working fine yesterday. Then suddenly today EA released a new app to launch the games and this new app requires a MAC OS that my computer cannot use. Now suddenly none of my games are accessible and I am unable to play anything. They did not warn us about this change in requirements and if I had known they would be doing this I wouldn't have bought all these add ons as they are now all totally unusable. The games themselves have not changed, only their app to launch them and I can't afford to buy a brand new mac just to play. So my question is how can they change the minimum requirements after I have paid for a game? I agreed to pay for them based on the fact my mac met their requirements and was not informed when purchasing that this would be an issue in the future. I understand new games (like Sims 5 which is to be released next year) might not be compatible but this is a 10yr old game that they have suddenly made inaccessible due to their new launch app. Does anybody know if I can do anything or anyway to get a partial refund from them? Thanks   Here are their T&C... I can't find anything in there about them being able to do this so not sure what to do https://tos.ea.com/legalapp/WEBTERMS/US/en/PC/
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CCJ claim for rec from capquest and optima legal from northampton pls help


angel_1
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Hi all long time I know my apologies hope all are well - im better today and need to address this issue as not been well past few weeks, so im hoping im not late in dealing with this today understand that 25.10 rec plus 5 days for delivery is 30.10 then 14 days to acknowledge which is then 13.11.13

 

I received a claim form from northampton CC DATED 25 OCTOBER 2013 and would be really grateful to get some advise on how to proceed. I have had some financial issues and due to depression a few years ago and debt spiralled out of control, loads of late charges/int applied via various creditors when I was struggling to keep my head above water and I just tried to deal with stuff as I tried to get better too. I had tried to get my paperwork together to start addressing stuff but somehow ive not really addressed anything to a full ending,

 

The claimant is Capquest for amount over £4 for an old credit card (Lloyds banking.

 

SOLICITORS are Optima legal. I've NOT checked my CRA for a fair few years so unsure of any default when - I am looking to see if in the past I have requested info but cant lay my hands on it at the moment but I recollect I may have last paid something around 2008 and there were before that time a few late charges etc and fees/interest etc applied to the account with took me over my credit limit and further and further into debt, and I haven't been in correspondence with them at all.

 

I believe I may have received a letter from Optima legal in mid Oct attached which was threatening legal action, but im not sure where it is at the moment. Have now received the court papers.

 

I understand I can the do the AOS online and send a CPR 31.14 request to the SOLS giving them 7 days to respond to see what they come back with. In the CPR request I was going to ask for true copies of the following

 

-the credit agreement

- NOA

- Default notice

- Full statement of account - itemising all interest & charges from the commencement of the alleged debt

 

Any further advice should I be asking for please?. I m not sure how to flipping scan docs at the moment but will attempt to try later Cheers angel x

Edited by angel_1
see post 2 for the particulars of the claim

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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NORTHAMPTON (CCBC) County Court

 

 

Claim no xxxxxxxx

 

 

Issue Date 25 Oct 201

 

 

 

 

 

 

Particulars of claim

 

The Claimants claim is in respect of a credit agreement regulated by the Consumer Credit Act 1974 wherby LLOYDS BANKING GROUP original creditor provided the defendant with a credit card.

In return the defendant agreed to pay at least the minimum payment given in the statement. A default notice was served on the defendant which has expired and upon which the defendant has failed to comply with. A Notice of Assignment has been sent to the defendant notifying them that this debt has been assisgned to the Claimant. The claimant therefore claims the sum of £xxxx plus costs. The claimant has complied with Sections III and IV of the Practice Direction on Pre-Action Conduct.

 

 

=========

 

 

signed OPTIMA LEGAL SERVICES LTD

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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hiya all having looked around other threads do I understand correctly that I could also reqest a copy of the cca with the 1.00 fee a post office money order and send that to the Claimant in this case is it Capquest and not optima legal as they are the named sols and address is different to the capquest -

but send this also to them in a separate envelope registered or recorded delivery - and the CPR request also goes where to the claimant or sols? sorry mental block now ,,,,

be back later to check on, I think I do need to acknowledge the claim at least this eve and also get the letters done for posting tomorrow - what do you guys recommend cheers angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Hi Angel,

 

Acknowledge the claim online within the deadline stating your intention to defend the full amount.

 

Send your CPR31.14 request to Optima requesting sight of the required documents that you refer to in post #1.

 

Tell us roughly when the a/c was opened and whether by a written application, online, or what.

 

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hiya slick,,, just gone to ack online and its saying I need to input the mcol acc info - if I cant find today - have re registered but of course its now asking me to enter the passcode which has not been entered on the claim form, maybe missed in error I will call the court when opens and check on this - I hope I can just fax them today the acknowledgement instead of doing online x

 

 

have done and being faxed to them today and will check with them tomorrow that its been rec ok, and done letters too cheers for your help as always,

 

 

will update you later on other stuff, x angel

 

 

you asked the question how long ago, I believe now from what ive found its been a very long time thus I m guessing at least 2002 to 2005 and it was not an online but maybe in the bank completed some kind of cca,,, but will delve more in my paperwork and see what I can find.

Edited by angel_1

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Good, as long as the Acknowledgement goes in on time, you then have time to defend as best you can.

 

Maybe get the defence prepared and ready to submit without getting so close to the deadline. :wink:

 

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  • 2 weeks later...

hiya slck and all,

 

 

not received anything at all, and just recovered from a chest infection so now need to get this defense it but what the hell am I going to say, ? I don't even know what to say pls help, will log in later I appreciate your guidance as always cheers x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Hiya all looking to see if i can put in the defence similar to what i did on the last one you helped me with slick but really am unsure im cross with myself ive become ill snd ran out of time to do anymore than i have will have a bit of a read around see what else i learn tonight catch up laters angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Hi Angel,

 

Here's a link to a Defence with Andyorch's comments added - http://www.consumeractiongroup.co.uk/forum/showthread.php?391771-County-Court-Claim-Form-Loan-From-HSBC-MKDP-LLP-Claimant&p=4244683&viewfull=1#post4244683

 

You can adapt and use this if you have nothing else to work with. You can also refer to your previous Defence(s) and include anything useful.

 

The main thing is to carefully adapt any Defence to properly reflect YOUR case, with regard to the Claimant's PoC's and your circumstances.

 

Make sure you do not miss the deadline to file the Defence with MCOL.

 

:-)

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Thanks so much slick have to fax it tomorrow so will tweek as best as i can and lets see if any interesting things or do the actually have any have the correct paperwork - do i just then wait on the court and see if anything else turns up in the post ? Will update u asap with any info cheers angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Get the Defence in on time.

 

After that, we'll see how Optima play it re documents, etc.

 

:-)

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Get the Defence in on time.

 

After that, we'll see how Optima play it re documents, etc.

 

:-)

 

Will do i appreciate your help cheers angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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  • 3 weeks later...

hiya all a bit of an update - well did get my defense in time and then got a letter from the court to say that the claimant had 28 days to respond and as yet still not had any other letter or documents from either capquest or optima legal or the court, think xmas day is the 28 days - so does this mean if I don't get anything it is likely to be stayed? or would it be worth me considering mediation at any point? read on another thread is it worth doing that before allocation?

 

 

as always cheers any other info received will update immediately, angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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if they don't respond to the court within the 28 days from their receipt, then it will be auto stayed.

negotiation can be done at any time.

small claims? if they respond to continue, then there should be the 'formal' option of the small claims mediation service to opt for.

did you end up doing a formal 'cca request'?

Edited by Ford
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Hi Angel,

 

The ball is now firmly in the Claimant's court.

 

Wait and see if they want to proceed. Then decide how to deal with it ...............

 

In the meantime, I hope you can enjoy Christmas.

 

:-)

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  • 2 weeks later...

hiya all, still no information received from them, so taking your advice to see how they decide to proceed, but will it be automatically stayed now that it has lapsed the 28 days that the court advised me of at the end of nov, ? what does this actually mean for me, do I just leave alone ? or what if any decent options do I have, as my concern is if this reaches the 6 years date, will this ccj attempt foil that to be statute barred? does it mean the clock starts ticking again or not?

 

 

anyway mad questions at this time of the eve so sorry off to deal with the fresh one that has arrived recently lol, have a good 2014 if I don't manage to log in tomorrow x and sorting out my paypal account to send a donation too. ciao for now angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Hi Angel,

 

It may be that the court will allow a fews days leniency for the xmas and new year hols.

 

If the sol'rs do nothing, the case will be stayed and, in due course you may do well to apply to have the claim struck out, rather than leave it stayed.

 

Have we discussed the date when you think you last paid toward the a/c here, to check about it being too old ?

 

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hiyaAAAAAAAAAA SLICK

 

 

 

 

yes totally understand will wait to hear lets hope its stayed and yes I agree in due course to get it struck out rather than let it be stayed, learning from my past lapses, ie the marks and spencer tomlin order and will get back to you on the times and stuff done so we can see what can be done on that one too, this one though last paid im guessing but will have info to look back on in the garage, I think was oct 2008 or oct 2009.

 

 

anyway will look at this further end of this week, if any letters arrive will update the thread of course, cheers angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Ahaa, the famous "Garage" where all sorts of mysterious papers lay hidden. Perhaps when looking for old papers in there one day, you'll find an old Ming Vase worth ££loadsamoney!!!

 

In the meantime, if the a/c was last paid towards in 2008/09, it's not going to be Statute Barred for a the next year or two. However, it would be good to find all relevant papers in the garage so you know for sure about each debt.

 

HNY :-)

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