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    • Hi, If they haven't followed the court's directions there will be little tolerance of the court. Anyway please can you upload a copy of the court paperwork
    • Yes, you should have applied for an immediate strike out as soon as the deadline expired. Without the agreement, they are stuffed Forget Barclaycard, Asset link is now the creditor, and it is down to them to provide the agreement.  That needs to go into the witness statement. They have not provided the agreement contrary to directions of the court and request the court strike out the claim as to the original court directions.
    • I did not receive a notice via post but in my claim status it shows my claim was transferred to a court I requested in my DQ, as it is closer to me.    Defense I filed:  1.       The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2.       The defendant paid the lead tenant a fixed sum monthly bill without fail for the extent of the rental period of the accommodation their contract was associated with who was responsible to make payments to the claimant, ending in June 2023. 3.       After moving out, a month later, the claimant wrote to state that an outstanding sum existed. Further stating, as one of the 10 tenants at the time, I now owed them the full sum instead of my 1/10 proportion of said debt, as 10 students were at the dwelling. They also intimated that they were legally allowed to charge me the full sum if the other renters were not to pay their share under some equal and joint severity rule. 4.       Despite sending numerous requests prior to the court claim being raised for copies of said bills for said utilities covered by the agreement, the claimant failed to send any clear bills. This included a CPR 31.14 on xx/xx/xxxx sent via post. 5.       The defendants stress that they acted in good faith to settle the outstanding balance, as evidenced by the confirmation received from the claimant.  Any subsequent demands for additional payments are unwarranted and contradict the claimant's previous acknowledgment of settlement. 6.       Pursuant to OFGEM code of back billing rules the alleged charges relate to charges which have not been billed correctly by Co-operative Energy and are therefore prevented from charging. With the court’s permission the Claimant is put to strict proof to: - a) show and disclose how the Defendant has entered into an agreement. b) show and disclose how the Claimant has reached the amount claimed. c) show how the Claimant has the legal right, either under statute or equity to issue a claim. 7.As per Civil Procedure Rule 16.5 (4) it is expected that the Claimant prove the allegation                  that the money is owed. 8.It is therefore denied that the defendant is indebted to the claimant as alleged or at all.
    • Paint is a free programme on any Windows PC. But don't worry, the choice here is not either perfection or nothing. As you say, use your scanner, save the file ... and then use the "choose files" option when you post to CAG to add the file. We can do all the redacting and converting to the correct file type at this end.  The important thing is just to get the info to us. Why not do an experiment this afternoon and see if the above works?  
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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.
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I am just wondering if anyone has heard of a company called Oyster Bay?

 

 

I have just looked at my Experian credit report for the first time in a while and called them because only my credit card and one other thing which was there twice showed up. The guy on the phone was great and hopefully I should be able to see the full report tomorrow morning but we were talking about the account that appeared twice and he also mentioned another similar account from Oyster bay. He said it was a pay day loan. Now I did have some payday loans back in 2009 but I have never heard of these people and he couldn't find any info on his system about them. The balance is weird as well, he said in 2010 it was £214 which is an odd amount and in 2009 it was £188, he said it looked to him like two different accounts.

 

 

I have googled it and cant find any trace of a company called Oyster Bay or Oysterbay or any other way I can think of to spell it.

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Well thats an interesting one, I havent seen them anywhere either. Mind you, Experian normally has the contact details for them so maybe they may show up :)

 

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The guy seemed really surprised that he couldn't find any details for them, he said to look at my file in the morning and see if I could figure it out and to call back on Tuesday as they are closed for the bank holiday on Monday if I couldn't figure anything out. The only thing I can come up with, and I have been racking my brains all day is quick quid, I had serious issues with them years ago but the amounts don't seem quite right and I definitely only had one outstanding account with them. From my googling I did find an American company called oyster bay finance, which is what made me think about quick quid since they are also American, but I couldn't find any info about them buying uk debts.

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It would be a big help if you can find out the address.As there are several firms with a similar name.

Examples.

 

Oyster Bay Limited.(London)

Oyster Bay Construction.(Bournemouth)

Oyster Bay Consulting.(Kingston Upon Thames)

 

There are more to be found.If only we had the address.

 

Regards,John

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It would be a big help if you can find out the address.As there are several firms with a similar name.

Examples.

 

Oyster Bay Limited.(London)

Oyster Bay Construction.(Bournemouth)

Oyster Bay Consulting.(Kingston Upon Thames)

 

There are more to be found.If only we had the address.

 

Regards,John

 

There are loads of companies with a similar name, but only the American one had anything to do with finance and even that didn't seem to fit because they mostly do finance for boats and motor homes. Experian had no details on them at all but the guy said that once my file refreshes in the morning the contact details may show up, although the fact that he couldn't find them on his system seemed to worry him slightly. I will definitely look again in the morning but I will be asking for it to be removed since I have never heard of them I cant possibly owe them any money, even if they have bought a debt I have received no notice of assignment and if it is the debt I think it is then its statute barred anyway.

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Ok this gets weirder, just logged in and went through every account with a fine tooth comb trying my best to remember who the original creditor was. There is no mention of oyster bay or anything similar on my file today, but an account that matches those amounts appears twice with the default date two days apart under motormile finance, now I am pretty sure this is the quick quid one because mmf were one of the three companies who were chasing me for that. It is clearly the same debt twice but I will wait till next month before I do anything about it since it will be stat barred then. Another mmf account appears which there is no doubt in my mind is Wonga, last I heard that was with a company called gothica who have it marked as settled on my Equifax file. As I am one of the customers affected by their dodgy practices anyway and am waiting on my compensation from them I am tempted to leave this one alone for now as well.

 

 

The question is should I call Experian on Tuesday and enquire about these oyster bay people? there is no mention of them on any of my three files as of today.

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Ok I called Experian and the woman said she can still see the oyster bay one even though I cant, she said the company is called oyster bay systems and from googling it I have found a contact address and phone number for a weird looking company. The amounts are the exact same as an account that already appears twice and I am now 99% sure its quick quid who are the original creditor, they have refused to help me in the past so now I really don't know what to do. I am guessing I go through the whole process of trying to find out who owns this debt again (I already have a thread about this from years ago when three companies chased me for this debt all claiming to own it). Or will I just wait a few weeks until the stat barred date passes and send them all the stat barred letter? but then how will that fix the fact that three of them appear on my file?

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  • 1 month later...

Just an update: Experian have sent the company in question a message however it is they send messages asking these oysterbay people to fix my address as apparently they have the wrong flat number for me which prevents me from being able to see it on my copy of my report. They have also asked them to clarify who the original creditor was but that was weeks ago and I have heard nothing back, I might call them again actually (Experian that is).

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  • 5 weeks later...

Final update: I received a message from Experian regarding something else and called them to discuss it and ask about this oysterbay nonsense. They said that the 30 days have expired for oysterbay to respond to them about what exactly this entry is for and who they are etc so the information is now hidden from my file until such times as they receive a reply, which they might never do. The duplicate MMF entry has also been removed, I am one happy girl!

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