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    • okay, perfect and thank you so much for the help once again. so firstly i am going to initiate the breathing space, during this time it's likely ill receive a default. when i receive the default are you aware of how long it will take for me to know whether the OC have sold it off to DCAs? Once it's with the DCAs i do not need to worry as they cannot issue a CCJ only the OCs can Even if i decide to come an arrangement with the DCAs no point as the default will remain for 6 years paid or not paid I should only consider repayment if the OC still won the debt and then issue a CCJ? Just to confirm the default will not be seen after 6 years? No one can tell I had one then after 6 years ill be all good?
    • I'm not sure we were on standard tariffs - I've uploaded as many proofs as I can for the ombudsman - ovo called last night uping the compensation to 100 from 50 pounds for the slip in customer service however they won't acknowledge the the problem them not acknowledging a fault has caused nor are they willing to remedy anything as they won't accept the meter or formula was wrong.   I'd appreciate more details on the economy 7 approach and I'll update the ombudsman with any information you can share. 
    • To re-iterate and highlight my urgent question on this one: The N24 from the court did not include any instructions to submit paperwork 28 days before the date, unlike the N157 received for other smaller claims. Do I have to submit a WS for this court date? Link has!...
    • No, reading the guidance online it says to wait for a letter from the court. Should I wait or submit the directions? BTW, I assume that the directions are a longer version of the particular of claim accompanied by evidence, correct?
    • Thanks for opening, it's been another rough year for my family and I've procastinated a little.. Due to the age of my defaults on this and other accounts (circa 2021), I really need to avoid a CCJ as that will be another 6 years of credit issues. Mediation failed as I played the 'not enough info to make a decision' however during the call for some reason they did offer settlement at 80%, I refused. this has been allocated to small claims track, court date is June 3 and I've received their WS. I'm starting on my WS. They do appear to have provided everything required of them (even if docs could be reconstructions). Not really sure what my argument is anymore but I do want to attend court and see this through. Should a judgement be made against me then I will clear the balance within 30 days and have the CCJ removed - this is still possible isn't it? I'm going to be reading up today and tomorrow and hope you can provide me some guidance in the meantime. Wonder what your advice would be given the documents they have provided? I am now in a position to clear the debt either by lump sum or a few large installments - Is this something i should look into at this late stage? Thanks as always in advance
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Shoosmiths/Cabot old claim from Feb 15


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Hi Everyone

 

After a lot of searching on the web I've decided to bite the bullet and ask for some help as I have no idea what I should do about this claim. The details are as follows:

 

1. On the 26 Feb 2015 a claim was issued against me for a debt which I believe to be statute barred. The particulars of claim are as follows:

 

a. The claimant claims the sum of 4,975.38 being monies due from the defendant to the claimant under a regulated agreement between the defendant and Barclaycard Littlewoods and assigned to the claimant on 28/02/2008 notice of which has been provided to the defendant.

b. The defendant has failed to make payment in accordance with the terms of the agreement and a default notice has been served pursuant to the consumer credit act 1974.

c. The claimant claims the sums of 4,975.38 and costs

d. The Claimant has complied, as far as is necessary, with the pre-action conduct practise direction

 

2. On the 10th March I sent Shoosmiths a standard CPR 31.14 request and Cabot a letter stating that this debt is statute barred.

 

3. On the 12th March I received a letter from Shoosmiths telling me that they had requested the documentation from Cabot but had not yet received anything and were therefore granting me an extension to file my defence which I notified the courts of in writing.

 

4. On the 10th April I received another letter from Shoosmiths informing that they still hadn't received any documentation from Cabot and that the matter would be on hold until they do.

 

I have taken no further action since then. My question for you guys is whether there is anything I can do now that so much time has lapsed to get the courts to draw a line under this claim. This is causing me distress and I would love to just have it done with.

 

Any help you guys can offer me would be really appreciated.

 

Thank you

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so its probably now stayed?

 

 

phone the court and check.

 

 

did you send cabot a CCA request?

 

 

so this was a littlewoods credit credit card issued by Barclaycard

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,

 

I have just called the courts and they have told me that they have written to Shoosmiths notifying them that they have till the 18 July to continue with this claim or it will be stayed. They said that I have nothing to do unless I receive a DQ from the courts.

 

No I haven't sent Cabot a CCA request. Do I do this now or do I just let sleeping dogs lie?

 

S

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most def CCA request to cabot.

 

£1 blank PO

don't sign anything.

 

and see if you can nail down the SB date.

 

if you've paid nowt or not used the card from 6yrs previous to the claimform date its SB

and an absolute defence should then want to do anything

 

go find that info out

 

theres no harm in ringing Barclaycard and asking 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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  • 2 months later...

Hi

 

It's been a while since I've posted anything with regards to this thread.

 

 

CCA request was sent but I got no response.

 

 

Called Barclaycard and they confirmed that the account was closed in 2005.

 

 

I therefore proceeded with logging a statute barred defence at the beginning of July 2015.

 

 

To date I have had nothing back from either Shoosmiths or the courts stating that this case will be taken to trial.

 

My question therefore is, can/should I apply to have this claim stuck out?

 

Thank you as always

 

S

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no I don't think you can

 

 

the claim is stayed

wont hurt to leave it that way.

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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