Jump to content


  • Tweets

  • Posts

    • Should this to be take into court with him or should he send something in earlier?
    • This is the other sign  parking sign 1a.pdf
    • 4 means that they need to name and then tell the people who will be affected that there has been an application made, what the application relates to (specificially "whether it relates to the exercise of the court’s jurisdiction in relation to P’s property and affairs, or P’s personal welfare, or to both) and what this application contains (i.e what order they want made as a result of it) 5 just means that teh court think it is important that the relevant people are notified 7 means that the court need more information to make the application, hence they have then made the order of paragraph 1 which requires the applicant to do more - this means the court can't make a decision with the current information, and need more, hence paragraph one of the order is for the applicant to do more. paragraph 3 of the order gives you the ability to have it set aside, although if it was made in january you are very late. Were you notiifed of the application or not?    
    • These are the photos of the signs. At the entrance there is a 7h free sign. On some bays there is a permit sign.  Also their official website is misleading as it implies all parking is free.  I can't be certain of the exact parking bay I was in that day, and there was no PCN ticket on my car and no other evidence was provided.  parking sign 2.pdf
    • Hi, In my last post I mentioned I had received an email from SS who were asking me to hand over the keys to my mother’s flat so they could pass them to the Law firm who have been appointed court of protection to access, secure and insure my mother’s property.  Feeling this, all quickly getting out of my hands I emailed ss requesting proof of this. I HAVEN’T HEARD BACK FROM SS.  Yesterday, I received an email (with attached court of protection order) from the Law Firm confirming this was correct (please see below a copy of this).  After reading the court of protection order I do have some concerns about it:   (a)   I only found out yesterday, the Law firm had been appointed by the court back in January.  Up until now, I have not received any notification regarding this.  (b)   Section 2   - States I am estranged from my mother.  This is NOT CORRECT    The only reason I stepped back from my mother was to protect myself from the guy (groomer) who had befriended her & was very aggressive towards me & because of my mother’s dementia she had become aggressive also.  I constantly tried to warned SS about this guy's manipulative behaviour towards my mother and his increasing aggressiveness towards me (as mentioned in previous posts).  Each time I was ignored.  Instead, SS encouraged his involvement with my mother – including him in her care plans and mental health assessments.   I was literally pushed out because I feared him and my mother’s increasing aggression towards me. Up until I stepped back, I had always looked after my mother and since her admission to the care home, I visit regularly.   .(c)    Sections -  4, 5 and 7  I am struggling to understand these as I don’t have a legal background.  I was wondering if there is anyone who might be able to explain what they mean.  It’s been a horrendous situation where I had to walk away from my mother at her most vulnerable because of; ss (not helping), scammer and groomer. I have no legal background, nor experience in highly manipulative people or an understanding of how the SS system operates, finding myself isolated, scared and powerless to the point I haven’t collected my personal belongings and items for my mother’s room in the care home.  Sadly, the court has only had heard one version of this story SS’s, and based their decision on that. My mother’s situation and the experience I have gone through could happen to anyone who has a vulnerable parent.    If anyone any thoughts on this much appreciated.  Thank you. ______________________________________________________  (Below is the Court of Protection Order)  COURT OF PROTECTION                                                                                                                                                                                   No xxx  MENTAL CAPACITY ACT 2005 In the matter of Name xxx ORDER Made by  Depty District Judge At xxx Made on xxx Issued on 18 January 2024  WHEREAS  1.     xxx Solicitors, Address xxx  ("Applicant”) has applied for an order under the Mental Capacity Act 2005.  2.     The Court notes (my mother) is said to be estranged from all her three children and only one, (me) has been notified.  3.     (Me) was previously appointed as Atorney for Property and Affairs for (my mother).  The Exhibity NAJ at (date) refers to (me) and all replacement Attorneys are now officially standing down.  4.     Pursuant to Rule 9.10 of the Court of Protection Rules 2017 and Practice Direction 9B the Applicant 2must seek to identify at least three persons who are likely to have an interest in being notified that an application has been issues.”  The children of (my mother), and any other appointed attorneys are likely to have an interest in the application, because of the nature of relationship to (my mother).  5.     The Court considers that the notification requirements are an important safeguard for the person in respect of whom an order is sought.  6.     The Court notes that it is said that the local authority no longer has access to (my mother’s) Property.  7.     Further information is required for the Court to determine the application.  IT IS ORDERED THAT  Within 28 days of the issue date this order, the Applicant shall file a form COP24 witness statement confirming that the other children of (my mother) and any replacement attorneys have been notified of the application and shall confirm their name, address, and date upon which those persons were notified.  If the Applicant wishes the Court to dispense with any further notification, they should file a COP9 and COP24 explaining, what steps (if any) have been taken to attempt notification and why notification should be dispensed with.   Pending the determination of the application to appoint a deputy for (my mother), the Applicant is authorised to take such steps as are proportionate and necessary to access, secure and insure the house and property of (my mother).   This order was made without a hearing and without notice.  Any person affected by this order may apply within 21 days of the date on which the order was served to have the order set aside or varied pursuant to Rule 13.4 of the Court of Protection Rules 2017 (“the Rules”).  Such application must be made on Form COP9 and in accordance with Part 10 Rules.              
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Cabot/restons Claim form - old MBNA card 'debt' ***Claim Discontinued***


MBaxter
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2902 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I am a 51 year old male living in Kent and really could do with some help please?

 

Long story short, I got into trouble 13 years ago when my partner passed away leaving me with joint unsecured debts of around £10k.

 

I foolishly turned to Spectrum in mid-2005 and I entered into a DMP where I thought I was clearing it. Sadly, I was mis-sold this and was told 2 years ago, I had not cleared any of it and the interest had accumulated. I cancelled my agreement with them, I contacted Cabot (I think as that was the only company I remembered) at the time in the spring/summer 2014, I didn't admit to anything and I never heard anymore.

 

I have been working abroad off and on (Freelance Cameraman and gotta go where the work takes me) and was not aware of how bad the situation until Friday when I got the Northampton court letter which was dated on Feb 10th for a loan from Cabot via MBNA.

 

I do not have any of the original paperwork as my car was set on fire in the riots nearly 5 years ago and my case with papers were gone. I am wondering what I should do? I have acknowledged the action and sent a CPR-18 letter to their solicitors asking for more info.

 

Please can someone throw some light on this for me please? I'm quite worried this may go the wrong way and will have an impact on my new wife.

 

Ta - Mike

Link to post
Share on other sites

  • Replies 94
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

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

 

Hello and welcome to Consumer Action Group.

 

As you have received a claim form I have moved you to the correct forum. You need do nothing, it is purely an administrative move.

 

What you need to do first is to have a read of the thread I have linked at the top of this post. If you could provide answers to the questions asked, and post them here, in this thread, then we can help further.

 

In respect of the timeline you are now faced with..

 

Date of issue - 10.02.2016 + 5 days for service = 14.02.2016 + 14 days to acknowledge the claim = 28.02.2016 + 14 days to submit defence (if you intend to defend) = 13.03.2016

 

You still have a few days in hand, but you must register on the MCOL gateway using the password and claim number on your claim form by the date I have given you above. Then acknowledge that you have received it. Then you will get the extra days in which to submit your defence.

 

As soon as you have provided us with the information asked for, then we can help further :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

Oops.. I see you have already acknowledge the claim.. so just have a read of the link and provide the answers then we will take it from there.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

Thank you for your prompt reply and your help with this so far, I really appreciate it. Here is the info I have for you.

 

Name of the Claimant ? Cabot ? :)

 

Date of issue – 10th Feb

 

Date to submit defence by 4pm Friday 11.03.2016 =

What is the claim for –

 

Claimants claim is for debts arising from CCA 1974 agreements.

The claimant is the Assignee of the following debts,

notice of the assignment having been given to the defendant in writing.

MBNA Account No.1234 £4,156.

Despite demands for payment, the above sums remain due.

The claimant therefore claims the sum of £4,156 interest under s.69 County Courts Act 1984 and costs

 

What is the value of the claim? £4156 + 185 fee + 80 Legal Reps

 

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? (2001)

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. (Cabot)

 

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

I was only made aware via demands for payment letters and calls in 2004,

no formal notification to my knowledge

– this all started to happen in late 2004 and has been passed around quite a bit.

 

Did you receive a Default Notice from the original creditor? Again, not to my knowledge.

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ?

No not one (although oddly, one turned up yesterday dated Jan 29th - the first one ever).

 

Why did you cease payments?

I was on a DMP via a well known company and upon speaking with them,

I become aware interest had been lumped on and the debt not going down.

 

What was the date of your last payment? Feb 2014

Was there a dispute with the original creditor that remains unresolved?

Yes, a card charge my g/f and I did not recognize only a small amount

(£28 from recollection but I don't have that to hand as it was in my case

when my car went up in flames during the riots in London).

 

Did you communicate any financial problems to the original creditor

and make any attempt to enter into a debt management plan?

 

 

Yes but they weren't interested. I then entered into a debt plan via another DCA in Jun 2005

but I now understand Cabot bought this in Sept 2005

3 months after, but only from the statement they sent yesterday

 

 

I have acknowledged receipt online Monday and sent a CPR-18 to the claimants lawyer, yesterday)..

Edited by citizenB
Link to post
Share on other sites

You say you have sent the claimant's Solicitor a CPR 18 ?

 

I think perhaps you should have sent them a CPR31.14

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387484-LEGAL-CPR-31.14-Request-Request-for-information-when-a-Claim-has-been-issued.

 

Have you sent a CCA (s78) request to the Claimant ? This is a request for a copy of the agreement.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387435-CCA-Request-Consumer-Credit-Act-1974-**Updated-January-2015**

 

It might be a good idea to have a look at your credit files and see if the account was defaulted/terminated and when ?

 

Do you know if any default / penalty charges have been added to the account or if there was any PPI attached to the original agreement ? I would have thought your employment would have precluded you from making a claim on PPI so that might have been mis - sold.. if it was there in the first place.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

I was quite switched on to the PPI being added on at the time, I worked in Finance to a degree for a short while in the late 90's so I was aware of add-on's but that's not to say it wasn't added. My life changed in 2003 when my g/f passed away and I went into denial and was off the rails for a while, burying my head in the sand. I woke up in late 2004 and started to take charge of matters as best I could or as best I thought I was at the time.

 

I have read your posts/links above. So the letter is slightly different but essentially the same, do I send of a second letter as a CPR-31.14 and then the second letter CCA to the claimant.

Link to post
Share on other sites

crp 18 is a waste of time

and so is asking for the deed of assignment

not sure where you got that idea from..certainly not here of recent times I'm sure

 

 

send the CRP31:14 that CB pointed to..to the solicitors - who are...??

 

 

and send a CCA request to the claimant

 

 

read the full threads for each first.

 

 

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... 

Link to post
Share on other sites

Thank you - will do that tomorrow. Solicitors are Reston's. Should I wait to send CCA out to them or do that at the same time?

 

Also, I have another issue which I should have mentioned.

 

 

Under the same DMP I entered into,

 

 

I have another one that is about to rear its head I believe as I received a statutory letter Monday dated Feb 2nd demanding £8,200 by Feb 21st, stating if I fail to pay said amount they have instructions to issue a claim against me.

 

 

Should I send a CPR-31.14 to them too?

 

Thanks in advance for your help.

Link to post
Share on other sites

no let that one run

 

 

go read my post again

who did it say to send things to?

 

 

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... 

Link to post
Share on other sites

no read the post properly

the cpr goes to the sols - restums

 

 

the cca goes to the claimant..

 

 

please wake up at the back and pay attention..

 

:lol:

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... 

Link to post
Share on other sites

I worded the first question I asked wrong and then wondered why you corrected me. I meant originally to send CPR to solicitors and cca to claimant. Do I send 3 days apart, is that right or do I send at the same time?

 

I really do appreciate folks help so thank you for that.

Link to post
Share on other sites

where's this 3 days apart come from?

 

 

nothing here suggests that?

 

 

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... 

Link to post
Share on other sites

mike , FORGET all the cobblers you've acquired from a certain site

which promises the earth but leads only to perdition, court would laugh

at 3 letter process , novation etc etc , it's as invalid as it is bizarre

Link to post
Share on other sites

oh god you're not follow freeman of the land site ar you..

 

 

please NO!!

 

 

I wondered where all your confusion over the plain simple instructions

given here was coming from.

 

 

FMOTL=TWADDLE

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... 

Link to post
Share on other sites

Thanks. I had been given that advice from another site (I shan't name them) but there were so many people with conflicting ideas and I was recommended to here (thank fully).

 

Sorry to be a further pain, as I had entered into a DMP all those years ago, will that conflict me claiming I do not acknowledge this? Cos there were 5 debts on the dmp, 2 cleared now is that enough to muddy the waters?

 

Sorry for all the questions, I just want to get this 100% right.

 

Thanks

 

No it's the GOODF site with the 3 letters twaddle. I opened that up and laughed and it was at that point I thought I am not getting the best advice. The intentions are probably right tho.

Link to post
Share on other sites

Thanks. I had been given that advice from another site (I shan't name them) but there were so many people with conflicting ideas and I was recommended to here (thank fully).

 

Sorry to be a further pain, as I had entered into a DMP all those years ago, will that conflict me claiming I do not acknowledge this? Cos there were 5 debts on the dmp, 2 cleared now is that enough to muddy the waters?

 

Sorry for all the questions, I just want to get this 100% right.

 

Thanks

 

No it's the GOODF site with the 3 letters twaddle. I opened that up and laughed and it was at that point I thought I am not getting the best advice. The intentions are probably right tho.

 

 

in relation to what

if you mean whatever defence we use

that's weeks away

get the AOS / CPR / CCA done

don't waste time delaying things

 

 

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... 

Link to post
Share on other sites

no need recorded

1st class with free proof of poting will do

 

 

remember don't sign anything

leave the po uncrossed

 

 

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... 

Link to post
Share on other sites

All out now. Postal Order done too and completed by post office. I await their response but I think I know what that will be.

 

Thanks for your help so far, no doubt I will be calling upon it some more further down the line.

Link to post
Share on other sites

time to read up now on ilke claims here

 

 

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... 

Link to post
Share on other sites

Yes I have been and will continue to do so and thank you for your help so far. I anticipate I will get a reply from them to say I am wrong with my requests and that I should be careful and to get proper legal advice before I continue (that seems to be the normal process from other peoples posts).

 

What do I do from there? I know I have a little bit of time before I submit my defense but its what happens in-between then and now and once I've submitted my defense that I need to brush up on.

 

I am expecting this to happen two more times now for other cases. I am prepared to have my day in court if I have to but I hope I able to get it struck out before it reaches that stage.

 

Even someone from a Debt Management company has said they cannot enforce it if they don't have the proper paperwork but that point needs to be defended properly and that it was beginning to loose them business as people are getting more and more wise to the fact that the DCA's can be beaten, as long as the proper procedure is carried out.

 

I know I have said it before and I cant reiterate it enough but thank you for your help and I hope I can help others myself after I have got thru this.

Link to post
Share on other sites

Hi DX - just to let you know, I had the usual reply yesterday from the solicitors to my CPR request today saying that I should seek legal advice and that the claimant will proceed with the case. I sent off the CCA request to the claimant and I await to hear from them. I will work on my defense later but in the meantime are there any pointers/threads you recommend. I have read quite a few but cant find any where someone has successfully defended a claim after being on a DMP.

 

Many thanks - Mike

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...