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    • Bet its paid with taxpayer money
    • link always do that it doesnt change anything.    
    • Link deducted the £1 I sent for the credit agreement request from the judgement balance even though I made it clear in the letter for them not to. So i'm assuming that this will make the transaction complete and making them the legal owner now.   At the time I thought the credit card had been cut up and didn't know the mortgage was being paid on it. Hence why I was so shocked that RBS allowed this much to be burrowed on a card.
    • well get something sorted so the CCJ doesn't happen  then go after vanquis under IRL, might get all or most of the balance wiped......just musing..
    • probably one of the freeman of the land 3 letter syndrome twaddle companies that have been popping up on facebook of recent.   there was a rather large d-live conversation resulting from one of them if you followed the rabbit hole links on facebbok whereby the two main protagonists behind most of the adverts in various fake company names  claimed they had got the rankines case over thrown and you could now win by following the old twaddle. it got removed over xmas.   as for dealing with the defaults...1st i hope you've not settled these to DCA's have you?   if the defaults were a true reflection of the way you operated the accounts (bar the one you claim in not yours...more later) there is little you can do sadly, though appealing to the better nature of the original companies whom registered the default sometimes works esp if you settled the debt with them not a DCA.but why would they have sold it if you'd settled the debt. sadly i think you've been had blind if you've paid any DCA anything .   as for defaults preventing a mortgage got to a proper broker that knows his onions,  2 are settled so shouldn't be of an issues 1 you say isnt your ...tell us about  one is with lowells now and unpaid...whats was the debt and with whom.   we have known people to get a mortgage with 5 defaults here all from 2018/9 period without having to get done over by a high rate of interest. in this current climate it should be easy now to get a mortgage...
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      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
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Can you claim costs if claimant discontinues?


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Is it possible to claim costs for admin, time, reproduction of financial records and data requests if discontinued before allocation to SCC?

 

 

Also would no contact prior to starting the claimi relating to a claimed debt almost 6 years ago,

refusing to engage post claiming,

and refusing to say what the debt was for

count as unreasonable behaviour?

 

 

I literally just got a value and no other particulars of claim and

 

 

they refused all corrospondence and lied to the insurance company saying it was a separate claim.

 

 

They withdrew when they saw my defence saying that the only contact I had with them was via my insurance company during an insurance claim

and that I had requested all paperwork which should be available prior to court.

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I think you can only claim costs in a Small claims if the other party has been unreasonable.

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Wasted costs & CPR 38 applies to Fast Track cases only.......

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Thank you, I think it's a none starter. I thought there may be a case due to unreasonable behaviour and or because they discontinued before allocation therefore not SCT as prior to allocation. Just not sure what they would use as a requirement for unreasonable behaviourc

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