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    • Hi   Something else I think you need to ask the Insurer for Clarification on is.   That you require full clarification on which clauses within the Terms & Condition of the Policy they are using to refuse payment under the Policy.     I would also consider sending the Insurer a Subject Access Request simply asking for 'ALL DATA' this covers whatever format they hold it in whether it be email/telephone recording/written format etc. (note: if they require you to use their own subject access request form always put 'ALL DATA' on their form)    
    • matters not what they come up with it's statute barred      
    • Revised defence:   The Defendant contends that the particulars of claim vague and are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.   1. The Claimant claims £2247.91 is owed under a regulated consumer credit account under reference xxxxxxx. I do not recall the precise details or agreement and have sought verification from the claimant and the claimants solicitor by way of a CPR 31.14 and section 78 request who are yet to fully comply. I dont believe they have provided this yet correctly   2. Paragraph 3 is denied.The Defendant contends that no notice of assignment pursuant to s.136 of the Law of Property Act & s.82 A of the CCA1974 has ever been served by the Claimant as alleged or at all. still stands   3. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of assignment/balance/breach requested by CPR 31. 14, therefore the Claimant is put to strict proof to:   (a) show how the Defendant has entered into an agreement; and (b) show and evidence any cause of action and service of a Default Notice or termination notice; and © show how the Defendant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim;   4. After receiving this claim I requested by way of a CPR 31.14 request and a section 78 request for copies of any documents referred to within the Claimants' particulars to establish what the claim is for. To date they have failed to comply to my CPR 31.14 request and also my section 78 request and remain in default with regards to this request.   5. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.   6. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974.   7. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.    
    • Just received a letter from lowells sols stating they have note of my aos   They have stated they have attached -  Copy of agreement, statement and notice of assignment   HOWEVER - they had not attached my notice of assignment and they have sent me the same 'agreement' as before which was 3 pages of a computer print out, statement and some rehashed t's anc c's. i can re upload again but its exactly what i uploaded before   They state they have requested a copy of my default notice   So in light of this shall i still send the same defence? i think it still stands right?  
    • Just had a Clear Score update which says:   A credit or store card account will be removed from your January report. Organisation Name: Hoist Account Number: ****9048 Company Type: finance house What does this mean? This means that you’ve closed an account. Maybe you’ve changed your phone contract so the phone loan has been removed from your report. Why is this change not on my report yet? We get your credit report every month from Equifax, a credit reference agency. This update can be seen on your Equifax credit report now but will only be reflected in your ClearScore report when your report is next updated, which is on 2 January. Is this a usual part of the process? I'm submitting my defence this weekend. I'll post it on here first.
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pabrmu

Default from Co-op, now Link Financial

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Hi all.

I had been in dispute with Co-Op Financial since 2007

as they could not produce a prpoer credit Agreement.

 

 

At the time, the debt was £2300

 

 

.I have seen them off over the years, along with about 15 collection agents.

They finally sold the debt to Link Financial and along with all the overdue charges and interest,

the debt is now over £6000.

 

 

I nave not paid anything since 2007 and in that time never acknowledged the debt,

I assumed it would be Statute Barred in December 2013.

 

 

Link now tell me that the Co-op didnt default till October 2012, so not SB till October 2018!!!

 

 

How can they default 5 years after last payment?

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Doesn't matter one jot.

 

If your last payment or written acknowledgement was in 07 then laugh at their foolish puerile attempts at defrauding you.

 

I'd inform them that if they are willing to exploit a debtors lack of knowledge and commit fraud, then you will gladly make the relevant authorities aware of their practices, and request their CCL be removed.

 

Have they told you this in writing?

 

Link Farcical have my Co-op CC too, not heard a peep out of them for ages?????????


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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Hi Baz,

Have a letter winging its way to them demanding that they remove listing or I will report them.

They also sent me someone elses details amongst the dross they previously sent me.Have informed them thaat this will alsso be reported.

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They also sent me someone elses details amongst the dross they previously sent me.Have informed them thaat this will alsso be reported.

 

ICO would like that......help them along their way, rattle your cage and send you someone elses info, only right to make trouble for them...DWP did the same to me, and by jove they were very quick to stop me from reporting them to the ICO, so much so, that one of their goons knocked my door demanding the 'incriminating' evidence back........and no he didn't get it.


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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