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    • you mean you did aos on mcol yes? pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.   dx  
    • The Letter of Claim information is not absolutely essential, but it would be useful for two reasons. Firstly, judges take a dim view of companies or individuals who rush to court without giving the other party notice and a chance to settle - the Letter of Claim.  If they didn't send it we could include this point in your defence and it would be detrimental to them. Secondly, we know Countrywide.  They are a very small cowboy company.  The are reluctant to do court, simply becasue they are very bad  at it.  Their record of beating Caggers in front of a judge is exactly 0%.  They have lost every time.  They send the Letter of Claim also to look for people who don't reply, thinking that the person might not reply to a claim form either, giving them an easy default win.  Conclusion - always best to reply to a Letter of Claim and ridicule the PPC's case.
    • Any update here? I ask as we have someone in a similar situation.
    • It's possible.   I suffer from ADHD and also anxiety and depression currently and struggle with paperwork.  I'll have a search around to see if i can find anything.  If they did send something I haven't replied.   I thought there's no way that they will pursue this because I know for a fact i didn't park in a private space and the evidence they have sent is so ridiculous.   What impact does this other paperwork have? Thanks!   I already sent the acknowledgement as i panicked and thought today was the last day to respond.   Then i remembered this wonderful forum.  I'll follow the steps in the sticky next.
    • The particulars of claim doesn’t mention statement of accounts.  Should I include that in the cpr letter?
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    • We have finally managed to obtain the transcript of this case.

      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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Hillards v Capital One PPI/ ** WON**


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Hillard, did you send Lowell a SB letter ?

 

Should I ? Having had communication with them in the past on other matters I've tended to treat them with the same contempt, I mean respect, that they showed me.

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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Should I ? Having had communication with them in the past on other matters I've tended to treat them with the same contempt, I mean respect, that they showed me.

 

Once you have informed them that the account is statute barred then they should cease contact and remove your details from their data base.

 

Wait until they make contact again, then send them the following.. Make sure you head the letter

"I acknowledge no liability to you or any company you represent"

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387368-Letter-to-be-sent-when-debt-is-Statute-Barred-(update-21.04.2014)

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Cheque cleared :-D

 

Good stuff, good to hear :)

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

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RIP: Rooster-UK - MARTIN3030 - cerberusalert

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  • 3 weeks later...
What reason did you put forward on the FOS questionnaire for mis-selling?? About to do one for son-in-law who took out CC over the internet.

 

The actual wording I used was:

 

 

"I cannot remember how I came to take the card.

I did not understand the conditions of taking the card fully at the time.

It appeared that PPI was an integral part of the account as I am unaware of any separate agreement to take card protection.

 

 

At the time I was self employed and trying to build up a small business which eventually failed.

 

By 2005-6 I had found other employment but the funding for this project did not allow for a salary to be paid

I was there mainly on a voluntary basis.

 

 

I did not receive benefits as I had insufficient NI contributions.

 

I am now much better informed, thanks to information from the Consumer Action Group,

and consider that PPI was mis-sold on this account as I was not asked vital questions about existing insurance cover,

not informed that I could have bought a policy elsewhere,

or made aware that the policy was unsuitable for me. "

 

Not sure if that would apply to everyone, but they accepted the claim and paid. :-)

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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  • 6 months later...

Hi I wonder if you can help. I also had a Cap One Credit Card and I know for sure it had PPI. When I took it out I was self employed so it certainly was not suitable. I am new to this and I really need to know how to get the info I need and what I do to recalim, any help you guys can offer would be greatly appreciated. is there a number I can ring to check if i'm eligible (I did this with Nat west) or do I need to send of forms to request statements etc? I dont have any original paperwork for this one at all.

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you need to start a new thread

 

 

of your own

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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