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    • Hi all,   Could any of the site team (or experienced site membes) give me any guidance on the above defence .   I need to have it in by Friday at latest, and was hoping to submit tomorrow to make sure that its lodged in good time   Many thanks in advance x 
    • Sorry but sounds like early days if CWD and lately IDR. Been dealing with this since 2009 and still going on as well as those crazy collection agency’s in Dubai also still emailing to this day.    I set up a special email account where I have everything from CWD, IDR and all others so it’s all in one place and the laws that have been broken.  Upon discussions also with R. Sterling at detained in Dubai its also been helpful.    Currently with the FO with my complaints against the attempted collection of debt in the UK when it has not been passed through the correct channels regardless of what is in the T&C.    Personally I would not pay any ting until as people know that debt has been passed through the correct manner of courts in the UAE or indeed purchased by a UK company which then I will be happy to defend given the laws here and whT I have available.    Make sure to ask for everything when the time come all statements, extra charges terms at the time of supposed signing etc !    Listen to the team also 
    • I'm sorry the CAB have given me some terrible advice in the past, and some others on here.  Please do as Andyorch says above. do not use Moriaty's forms.  Do not fill in ANY income and Expenditure for Moriarty. They have no more right ot demand that from you than I do.
    • Why are you considering Bankruptcy...they have not even issued a court claim yet ?    Its vital you use our forms provided in the link ...not the ones Moriaty have sent you.
    • Its already statute barred in my book...the Statute of limitations is quite clear...its just that the Judge in this recent case with PRA is trying to move the goal posts for his DCA chums by stating the period of limitation begins when the creditor issues a default notice and the 14 days have elapsed...that is what he classes as the cause of action...not the fact that creditor have failed to serve a DN in over  8 years..decides to serve one now which in effect makes the statute barred limitation period since last payment 14 years.   The Limitations states that the period of six years starts with no payment or acknowledgment within 6 years from when the cause of action accrues ...accrues being the operative word...the Act does not state accrues starts from the issuance of the defect notice, .....it as always been the cause of accrues from the last missed contractual payment...thats what determines the cause of action.   But the CCA1974 states that a creditor is not entitled to enforce an agreement until a valid default notice is served...so this Judge in his wisdom has tried to fuse the two acts together...which is obviously nonsense.. he has not allowed for creditors who serve the notice late or not at all.
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it was a present for my son so I'm not able to take it off him an hand it back

Really embarrassed I've even got myself into this mess tbh

So do u no the next steps they are likely to take ???

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it was a present for my son so I'm not able to take it off him an hand it back

Really embarrassed I've even got myself into this mess tbh

So do u no the next steps they are likely to take ???

 

Sadly we don't have a crystal ball so we cant say what they will do. Just because they haven't issued a claim previously, doesn't mean to say they wont decide to make an example out of someone :(


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The next steps are anybody's guess but if they issue a claim form then pks come back and we can help deal with that.


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Ok thanks but their now gonna have to find me first unless they email me

 

If anyone else has advice about them id be most greatful

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Theres not really any more advice to offer,

all of the likely events have been explained in some detail.

 

 

At CAG we cannot tell you what WILL happen,

thats down to the individual companies involved.

 

I hope you manage to get your issue sorted out with PH.

Hiding from them will not resolve anything

and CAG would not condone that as a course of action.


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I'm not hiding

trying to sort it

I've been made homeless and don't have a forwarding addresse to give them

as I'm sofa surfing at the min

 

I can't help they have refused any payments from me Unless they're full payments which I don't have

 

 

they have been very unreasonable as a company about the whole situation

and have taken over three weeks to get back to me to reduce my payments

after I submitted evidence of my change of circumstances

 

 

it has taken for me to contact them to find out they won't lower the payments

they made no contact with me for nearly a month and it's me keeps contacting them to resolve it

 

I will try and contact head office again because I think 3.50 a week is reasonable

and don't understand why after what I've Said they won't remove the tad insurance

and take my offer

 

 

surely in the long run it will cost them money to trace me or take it to court

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they rarely do court

and it would only be a return of goods order

 

don't think we've ever seen evidence of them doing this.

 

their business model, just like brighthouse and bayv is set up to swallow such issues and write things off.

 

not wishing to paint a different picture to those that have advised

 

but the bottom dollar is

these very little they can do

IMHO either

ignore them completely

or

simply pay what you can when you can.

 

where are the goods , are they still within your control?

dx


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As you can see through the entire thread, there is not much they can do aside from trashing your credit file.

Its a little clearer now and i am sorry you find yourself in a position of homelessness.

I would spend all my energy working towards finding yourself permanent accommodation and not worrying about bottom feeders like PH.

There are places like shelter who can help and most councils have emergency housing depts for those in your unfortunate position.

Come back to deal with PH if and when they issue a claim form.

 

Good luck and i wish you well

 

Martin


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GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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As you can see through the entire thread, there is not much they can do aside from trashing your credit file.

Its a little clearer now and i am sorry you find yourself in a position of homelessness.

I would spend all my energy working towards finding yourself permanent accommodation and not worrying about bottom feeders like PH.

There are places like shelter who can help and most councils have emergency housing depts for those in your unfortunate position.

Come back to deal with PH if and when they issue a claim form.

 

Good luck and i wish you well

 

Martin

 

Completely correct for now. You need to concentrate on getting your life back on track. IF you end up with a default, then it shouldnt be a worry as such. However, once you are on your feet, I would expect you to start making payments to them.

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Thanks so much for your help once I'm sorted I will resolve it of they will help me to

 

But they're a really difficult company to deal with ,

they have been refusing payments for five weeks now because it's not a full Payment to clear the arrears

they won't even take one weeks payment !

 

 

I've got all my emails to confirm and I think I've done the right thing trying to sort it

 

 

am not ignoring it but they're now trying to bully me into paying what I can't afford

 

 

they have even accused me of lying about being evicted and I had to send them a copy of the letter

 

I've learned my lesson to not use a company like this again

 

 

and anyone reading this I would advise if you can't afford it don't have it !!!

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Hi could they not do a re write of your contract were you pay the remaining debt at the end of your contract. Hope you get it sorted

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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

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Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 689 days.

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