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    • Well I sent them the letter of claim, the only responses so far was a few emails reopening the claims on the parcels where they asked for information such as proof of value (which I get) but other things like photos of the parcels, which I haven't got as I never took photos of them. It's been well over the 14 days since I sent the letter now anyway, so what do you think I should do now?
    • Know it has already been answered, but? Does not explain why JCI has registered a different default date when they get the information from the original creditor, Virgin
    • Since you were stopped at the time there is no requirement for the police give you anything there and then or to send you anything before they have decided how to deal with the offence.  They have three choices: Offer you a course Offer you a fixed penalty (£100 and three points) Prosecute you in court  The only option that has a formal time limit is (3). They must begin court proceedings within six months of the date of the alleged offence. Options (1) and (2) have no time limit but since the only alternative the police have if you decline those offers is (3) they will not usually offer a course beyond three months from the date of the offence and will not usually offer a fixed penalty beyond four months from that date. This is so as to allow time for the driver to accept and comply with their offer and to give them the time to go to option (3) if he declines or ignores it.  Unless there is a good reason to do otherwise, the action they take will usually be in accordance with the National Police Chiefs' Council's guidance on speeding enforcement. In a 40mph limit this is as follows Up to 45mph - no action. Between 46mph and 53mph - offer a course Between 54mph and 65mph - offer a fixed penalty Over 65mph - prosecution in court So you can see that 54mph should see you offered a fixed penalty. Three weeks is not overly long for a fixed penalty offer to arrive. As well as that, there has been Easter in that period which will have slowed things down a bit. However, I would suggest that if it gets to about two months from the offence date and you have still heard nohing, I would contact the ticket office for the area where you were stopped to see if anything has been sent to you. Of course this raises the danger that you might be "stirring the hornets' nest". But in all honesty, if the police have decided to take no action, you jogging their memory should not really influence them. The bigger danger, IMHO, is that your fixed penalty offer may have been sent but lost and if you do not respond it will lapse. This will see the police revert to option (3) above. Whilst there is a mechanism in these circumstances  to persuade the court to sentence you at the fixed penalty level (rather than in accordance with the normal guidelines which will see a harsher penalty), it relies on them believing you when you say you did not received an offer. In any case it is aggravation you could well do without so for the sake of a phone call, I'd enquire if it was me.  I think I've answered all your questions but if I can help further just let me know. Just a tip - if you are offered a fixed penalty be sure to submit your driving licence details as instructed. I've seen lots of instances where a driver has not done this. There will be no reminder and no second chance; your £100 will be refunded and the police will prosecute you through the courts.
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Lowell/carter claimform - old CAp1 Card 'debt'


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Hi there my credit card company "Capital One" have taken me to County Court and i have received the response notice.

 

 

The total is over £1,600 and includes bank charges and interest.

 

1. Is there any way to get off this? It is a few years old?

2. Can i counter claim or defend for bank charges?

3. How do i find out if i paid PPI and can i defend or counter claim for them?

 

What is the best thing to do?

 

WorriedAnnie :(

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hi ya

 

 

can you fill this in please

and post the questions and the answer back here

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-December-2014**(1-Viewing)-nbsp

 

 

ta

 

 

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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Hi there my credit card company "Capital One" have taken me to County Court and i have received the response notice. The total is over £1,600 and includes bank charges and interest.

 

1. Is there any way to get off this? It is a few years old? possibly CCA time?

2. Can i counter claim or defend for bank charges? nope

3. How do i find out if i paid PPI and can i defend or counter claim for them? nope

What is the best thing to do?

 

WorriedAnnie :(

 

 

fill the link in please

time is ticking....

 

 

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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Name of the Claimant ? Lowell Portfolio

Date of issue? 12 May 2015

What is the claim for?

 

 

The claimants claim is for the sum of £1,375.90, being monies being monies due from the defendant to the claimant

under an agreement regulated by the consumer act 1974 between the defendant and Capital One (Europe) plc

under account reference [16 digits] and assigned to the claimant on 03/02/2011,

notice of which has been given to the defendant.

The defendant failed to maintain contractual repayment under the terms of the agreement

and a default notice has been served which has not been complied with.

 

And the claimant claims £1,375.90

 

The claimant also claims statutory interest pursuant to S.69 of the county act 1984 at a rate of 8% per annum

from the date of assignment of the agreement to date but limited to a maximum of one year and a maximum of 1000 amounting to £110.08.

 

What is the value of the claim? £1,635.98 including £70 Court fee and £80 Solicitor's costs.

 

Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Credit Card

When did you enter into the original agreement before or after 2007? Not sure, maybe after 2007??

Has the claim been issued by the original creditor

or was the account assigned and it is the Debt purchaser who has issued the claim? Debt Purchaser

 

Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes

Did you receive a Default Notice from the original creditor? Yes

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No

Why did you cease payments? No Money, out of work.

 

What was the date of your last payment? Sorry no idea.

Was there a dispute with the original creditor that remains unresolved? No

Did you communicate any financial problems to the original creditor

and make any attempt to enter into a debt managementicon plan? Can't remember sorry.

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ok so the debt has been sold so its not CAp1 taking you to court

 

 

have you ack'd the claim on the MCOL website yet please?

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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opps you need to get a move on time is ticking.

 

go up on the MCOL website

register as an individual

note the long number.

 

log in to mcol using the above registration you just created

 

select respond to a claim [AOS]

 

and using the required details from the claimform

ack the claim

 

defend all

leave juris unticked

 

exit mcol

 

have you sent the claimant a CCA request

and the sols [who are they please]

a CRP 31:14 yet either?

 

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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Share on other sites

opps you need to get a move on time is ticking.

 

go up on the MCOL website

register as an individual

note the long number.

 

log in to mcol using the above registration you just created

 

select respond to a claim [AOS]

 

and using the required details from the claimform

ack the claim

 

defend all

leave juris unticked

 

exit mcol

 

have you sent the claimant a CCA request

and the sols [who are they please]

a CRP 31:14 yet either?

 

dx

 

The MCOL website asks for a defence password but i can't find one anywhere??

 

have you sent the claimant a CCA request

and the sols [who are they please]

a CRP 31:14 yet either?

 

How do i send a cca request?

Sols are = BryanCarter Solicitors LLP 11, De Havilland Drive, Weybridge, Surrey KT13 0YP

what is CRP 31:14 ??

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password is at the end of the information box on the right

of the claimform.

 

 

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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Thank you so much for the help you are giving. I have no idea what i am doing lol.

 

I have filled in the AOS following your instructions.

 

have you sent the claimant a CCA Requesticon

and the sols [who are they please]

a CRP 31:14 yet either?

 

I haven't done anything. How do i do this plz?

 

Solicitor is BryanCarter Solicitors LLP 11, De Havilland Drive, Weybridge, Surrey KT13 0YP

 

 

what is CRP 31:14 ??

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sent a CCA request to the claimant

use a blank £1PO

don't sign anything

 

 

cpr 31:14 from the legal section of the top green library tab

 

 

request the docs they mention in the POC.

 

 

though once you've red a few carter claim threads here

you'll soon see they ignore it.

 

 

CCA is the important one

they MUST comply to be able to progress the claim.

 

 

might be an idea for you to go and get your credit file

noddle is free

[listed below]

 

 

see if you can workout your last payment.

 

 

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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Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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wrong CPR BB

 

 

that's the current account one

 

 

OP needs the credit card one

 

 

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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Ok i have written CPR 31:14 Credit card ready to go recorded delivery on monday morning.

 

Do i send the CCA and blank postal order to the claimant on the claim form?

 

I got my report from Noddle but no mention of Capital One on it :(

Edited by WorriedAnnie
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cca to the claimant

 

 

so nothing from CAp1 nor the lowells on the CRA file?

 

 

as the debt is sold it will be listed under lowells as the owner but say credit card

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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Share on other sites

So is it poss you have not paid or used this card in 6yrs

Looks like it

 

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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Share on other sites

  • 3 weeks later...

with the greatest respect

 

 

this is also a self help forum

 

 

you need to go read other threads with the same claimant

 

 

there are 100's here and in the successes forum

 

 

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?190-DCA-Legal-Successes

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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Why don't you ring cap1 and ask last payment date?

 

Then if it is more than 6yrs since last payment

 

You could file the SB defence

That would poss be game over for faster

 

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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I am sorry if you are annoyed by me :(

 

I really do not know what i am doing and i am following your lead. I have read other cases but they are all different from mine. I don't even know on what grounds i am defending this as per your instructions. If this is not an out of time thing what is the defence i am doing?

 

Thanx so much for your help and i really hope you continue to help me as i am so upset and depressed about this :(

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not in the least

I get annoyed with DCA's trying to fleece people.

 

 

not poor victims like you.

 

 

if you read a few threads

you'll see all is not lost

and there little to worry about.

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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Seriously do NOT get depressed by this, it is ONLY pieces of paper, they cannot have what you've not got.

 

Powerless DCA's rely on their puerile threatogrammes to intimidate and exploit a debtors lack of knowledge.

 

Just like politicians, they are skilled liars, all of their letters are printed by and spat out by their computer, no human

has any input into them. Half the time, they have absolutely no knowledge of who they're chasing, or what it is for,

until the debtor calls them or responds.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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