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    • I'm removing two posts here – one because it refers to "… All from the same ethnic background" and the second one referring to the fact that the customer was Spanish. The first, particularly by king12345 has a strong racist tone about it and is completely unwelcome here.  king1 2345 has been here long enough and knows very well that this is not what we do. ==============================================================================   In terms of the building and insurance problem, it certainly sounds if you are being treated very badly and we would be very happy to help. Unfortunately I find your story is rather unclear – probably because there is a lot of narrative and I'd be grateful if you could clarify your story and in particular breaking down the insurance job and the rest including giving their values. Do you know if the insurance money has been paid to the customer or is the insurance company simply waiting for some kind of approval. You say that the insurance company has signed the job off and so this suggests to me that they are satisfied but what worries me is that they may already have paid the money to the customer who is merely withholding it from you rather than authorising the direct payment of the insurance money to you. Your story needs substantial clarification please. Finally, does your customer own the property? If you are not sure then you should consult the land registry website to ascertain the owner of the property
    • update:  Tried with new micro filter and still no difference in the speeds.  Called plusnet and they sent this 🤪 although looks like there was interference in the line which i never picked up   
    • Hi dx100uk   He is the information you asked for.   OC: Capital One    Type of debt: Credit Card    When taken out: 29/10/2017   Current owner: Capital One    Defaulted date: Hasn’t Defaulted    Outstanding sum: £156.52   ———————————————————————   OC: Vanquis   Type of debt: Credit Card    When taken out: 21/05/2018   Current owner: Vanquis   Defaulted date: 31/05/2019   Outstanding sum: £355.00   ———————————————————————   OC: Ocean    Type of debt: Credit Card    When taken out: 09/09/2018   Current owner: Ocean   Defaulted date: 07/06/2019   Outstanding sum: £318.00   ———————————————————————   OC: Instant Cash Loans T/A Payday Express   Type of debt: Payday Loan   When taken out: 22/01/2014   Current owner: Instant Cash Loans T/A Payday Express   Defaulted date: 04/06/2014   Outstanding sum: £492.00   ———————————————————————   OC: NatWest   Type of debt: Current Account    When taken out: 05/08/2003   Current owner: NatWest   Defaulted date: 30/04/2016   Outstanding sum: £468.00   ———————————————————————   OC: British Gas   Type of debt: Utility Gas Account   When taken out: 01/08/2015   Current owner: British Gas   Defaulted date: 06/09/2018   Outstanding sum: £712.00   ———————————————————————   OC: British Gas   Type of debt: Utility Electric Account   When taken out: 01/08/2015   Current owner: British Gas   Defaulted date: 06/09/2018   Outstanding sum: £819.00
    • Thanks DX re counterclaim. Just to clarify regarding witness should I just put one on the N180 and at court just take a witness statement from partner?  
    • I am hoping someone can advise me regarding my salary. I work as an emergency response driver for a private medical transport company. I work 6 x 24 hour shifts on call(total of 144 hrs) followed by 2 rest days(48 hrs). I work from my home address, with a company vehicle parked outside. During my six on call shifts, I must be available to respond to any task given to me (by phone-call) within a certain time. As you can imagine, while on call I am very limited to what activities I can take part in. Due to the nature of my role and the need to respond within 30 minutes to 90 minutes I am somewhat tied to my home. Obviously I cannot consume alcohol, go for family meals, go shopping etc. Even while attending hospital appointments, popping to the shop I must wear my uniform, take the vehicle with me and be contactable and ready to respond. It has been brought to my attention that on call time is now classed as working time if you must be at the disposal of your employer during that on call time.   Is that correct and if so, should I be paid at least the minimum wage while on call. I am currently paid an annual salary of £22,000 for being on duty an average of 6,570 hours per year which would put my hourly rate at well below the minimum( not including annual leave).   Any advice would be greatly appreciated. Thank you.
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new-me2010

Marlin/Restons Claim form LLoyds Current Account 'debt' - ***Claim Discontinued***

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Debt Collection Letters and "demands for payment" are not considered relevant contact" I think. Starting a court claim is.

 

Allegedly serving a Demand/Termination 6 months after last deposit is the cause of action Brig which would prevent it becoming Statute Barred...in their eyes ..if they served one and can prove it ...otherwise its SB pre litigation.

 

Andy


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Just been going through paperwork and have heard nothing on this since I took the paperwork back in March.

 

Is this normal?

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Thanks Andy

 

How long would it be stayed for or is it the proverbial piece of string ?

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How long would it be stayed for or is it the proverbial piece of string ?

 

yes, if not a set stay period, usually until it or you apply to lift stay with reason.


IMO

:-):rant:

 

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via an application to the court, within which could request directions/strike out for eg

there may be a hearing though, where the claimant might object to a strike.


IMO

:-):rant:

 

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Have received a letter today from Restons from a trainee solicitor. I can't scan as desktop isn't working.

 

We refer to the above matter and note that i recently filed a defence. (6 months ago.)

 

They have asked Lloyds for the necessary documentation and are still waiting for a reply.

 

" You admit to having a current account with Lloyds TSB Plc, therefore we kindly ask whether you are prepared to offer a settlement figure or repayment proposals towards the outstanding balance in the meantime. If so, please complete the financial statement clearly stating you offer of repayment or alternatively advise our office of a settlement figure by a date no later than the 15th October 2014

 

We look forward to hearing from you."

 

How should I reply to that?

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Have received a letter today from Restons from a trainee solicitor. I can't scan as desktop isn't working.

 

We refer to the above matter and note that i recently filed a defence. (6 months ago.)

 

They have asked Lloyds for the necessary documentation and are still waiting for a reply.

 

" You admit to having a current account with Lloyds TSB Plc, therefore we kindly ask whether you are prepared to offer a settlement figure or repayment proposals towards the outstanding balance in the meantime. If so, please complete the financial statement clearly stating you offer of repayment or alternatively advise our office of a settlement figure by a date no later than the 15th October 2014

 

We look forward to hearing from you."

 

How should I reply to that?

 

Are you being serious?:lol:


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Have received from Restons

 

That was my defence

 

They haven't sent me the overdraft facility agreement

 

How do I proceed?

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Sorry was rushing around.

 

Received a letter from Restons, my scanner is down so can’t copy so typing main notes.

 

“Marlin v NM re Lloyds Current Account.

 

We refer to the above matter and see that you have filed a defence at court which states that

you dispute the amount owed on the basis that it consists of unlawful interest applied.

 

Enclosed with the letter are

 

Reconstituted copes of the statements of account from Dec 06 and Jan 09.

 

 

Please note the final entries on the account refers to an internal accounting procedure when the balance was transferred to a separate account.

This does not show that the account has been written off/repaid.

 

The NoA from November 2012

 

Now we have provided you with details namely a breakdown of the outstanding balance,

we would be grateful for you to confirm that you are willing to withdraw your defence

by completing the enclosed form N9a and returning it o this office by no later than Nov 18th.

 

 

Failing which we may be instructed to make an application to strike out the defence/for summary judgment

and seek an order that you pay the claimants costs in association with that application.

 

Signed

Trainee Solicitor”

 

Checking through the statements showed that the last time I did anything on this account was Dec 07

which made it statute barred 11 months ago.

 

How do you suggest I proceed?

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I think it might be the wording of point 3 of your defence that has caused this.

unlawful interest & unlawful deductions/charges.

 

 

as we didn't see it before you filed, andy and the knowledgeable crowd could not help .

 

should have read;

the outstanding balance on the account was purely the result of numerous PENALTY charges & the interest they accrued.

 

though I doubt it really matters

 

see what andy says.

 

pers I think its just another attempt to make you give them 'something' before they discontinue.

 

 

dx


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It was all a rush ....... not good place at the time.

 

They didn't send the overdraft details

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Responding to your PM

 

Its a standard ploy by this solicitor to pressure you to cave in....hold your nerve and wait.

 

Regards

 

Andy


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Thank you Andy,

 

I was a little perturbed and getting twitchy.

 

Will sit on my hands and wait.

 

NM x

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I've sat on my hands and waited and received this morning

 

As I didn't reply by 18th november they have given me until the 29th to send in my N9A

 

If I don't they will ask to strike out Defence and obtain a summary judgement and seek an order to pay.

 

Next Move?

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Continue to sit on your hands....no party dictates to the other what to do...if they wish to make application...let them you will of course oppose it.

 

Andy


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Thank you Andy.

 

I will continue the hand sitting.

 

Mind you in this weather hand sitting is very comfortable I don't like cold fingers. :lol:

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The thing is they don't need to make that threat ...they don't need to ask you to submit N9A.....if they feel their claim is strong then they can just lift the stay and proceed to trial and get judgment...the threat of Summary Judgment (which is judgment without trial) is meant to scare you into a knee jerk and compromising your defence.


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...... an internal accounting procedure when the balance was transferred to a separate account. .....

 

 

sounds like to loyds' 'router' account. can that be questioned also? remembering paulwaltons? thread re a router account?


IMO

:-):rant:

 

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This has now disappeared off my credit report.

 

1 default down and 3 to go one goes in July and the other 2 10 months today.

 

How does it get any better than that?

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Good Morning, and isn't it a lovely day.

 

Received this morning from Restons.

 

Dear Madam

 

Re Marlin Europe v NM2010 Lloyds TSB

 

Please find enclosed by way of service upon you Notice of Discontinuance.

 

We are now closing our file and thank you for your cooperation

 

Yours faithfully

 

Trainee Solicitor.

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