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    • mcol always has fits on a W/ends   try Monday when its gets reset.   dx  
    • Name of the Claimant ? Capquest Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 10/10/19 Your acknowledgment of service was received on 25/10/2019 at 16:05:14 Your defence was submitted on 07/11/2019 at 09:55:10 Your defence was received on 07/11/2019 at 12:05:11   Particulars of Claim Not sure how to view this at the moment, as its not listed on the views I can see online. Will route out the paper copies and update in the morning. It is a Shop Direct / Littlewoods   What is the total value of the claim?   £3000   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? Yes - Which I ignored as it might have been within the 6 years for SBD Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No Did you inform the claimant of your change of address? NA Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Yes - catalogue When did you enter into the original agreement before or after April 2007 ? After, in 2009 Do you recall how you entered into the agreement...On line /In branch/By post ? Online Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? Only have CreditKarma - which it showed on until recently , but not anymore 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. Capquest Were you aware the account had been assigned – did you receive a Notice of Assignment? I can't remember getting one Did you receive a Default Notice from the original creditor? Probably, but it was a while ago so not sure Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? No Why did you cease payments? in 2013. Not sure exactly but it was early in the year. What was the date of your last payment? Early 2013   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 management plan? In 2013 early, but they never accepted.
    • Thanks Andyorch.   Damn. I misunderstood your comments on post #170 about timescales. I read "don't let a claimant impost time deadlines.........they impose the time limit because they have to pay the hearing fee". I can print a letter tomorrow and get it back first class though so they will received it Tuesday.   Is it a case of just filling in their 1-page paperwork/income/expenditure form (as we've gone through the CCCS/Stepchange, I will just add in the same figures which are correct) and wait for their reply? Or should I include a letter?   Also, if £2947 is owed, is there a sensible amount to propose owing such as the £1500 over 60 months which has been suggested?   Thanks    
    • So, after several months, got response back from Aviva. "We confirm that Aviva is not responsible for investigating sale of PPI. This is because policy was arranged & sold by EPF. They were therefore acting as your agent in this matter; there was no agency agreement between Aviva & this firm so Aviva cannot accept responsibility for any advice that they might have given.  HSBC are responsible for investigating these complaints, so I have sent them your details and have asked them to contact you.  Although Hamiton Life, now part of the Aviva group, were the underwriter of the policy in question , we were not responsible for the sale, or any associated lending. As such, you should direct any enquiry regarding undisclosed commissions to the lender who provided the finance that the PPI was protecting to progress this element of the complaint". So where do I go from here? I contacted HSBC again before deadline, got response back from them saying they were not responsible either. 
    • Thought this had gone away but Llowell have sent a letter to my daughters address, I have never lived there and although I moved address 18 months ago all my mail was being redirected so I know they have never sent anything to the address the contract was under.   They must have checked my credit file for some reason as many years ago I took out a contract phone with 3 mobile in my name for my daughter as a present and paid it for the first year she has paid it ever since.   The letter is giving me 30 days to make contact or they may issue a claim. The amount they are asking for is £794.00   I intend to write to them asking for a detailed break down of the invoice and for a copy of the assigment notice as they say the account has been assigned to them.   Should I be asking for a copy that should have been sent to me by EE? I dont understand why they would write to me at my daughters when all correspondence in the past fromm EE and Moorcroft has been to my previous (the contract) address unless they were trying to get a back door ccj.
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9 minutes ago, cjcregg said:

 As a nation we're going to first have to decided whether that is acceptable or not and that alone will be difficult enough to resolve. And that's just one product.

 

Not anymore now that the right have manipulated voters into voting for a conservative dictatorship.

 

All of what you've said is just another worrying aspect of what the future holds 

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2 hours ago, Maharg1 said:

If an Aspirin cost a penny from the US and two pennies from the EU only a fool would buy the EU tablet.

 

and if and Aspirin cost a penny from the EU and two pennies from the US ...

 

 

So @Maharg1

 

tell us one single actual defined benefit from brexit to you personally ?

A real defined, costed one, not some ideological wishful fantasy ...

 

If you would rather insist its 'taking back control' - justify that in relation to WTO rules, USA rules, etc etc and and specifically define the trade deals of course

But still define some real world benefit in your pocket benefit ..

 

 

Its been costed by the bank of England that Brexit has cost 880M a week to the economy so far for starters, far more than the total 'cost' of EU membership over the period, let alone actual cost of market access.

 

 

Perhaps also tell us ANY great deals you Brexiters have which are better than or even equivalent to the great world wide EU deals we have while you are at it.

We know about the sub standard bananas which could be labelled as 'premium' after exit, and some fish (err importing fish - what happened to UK fishermen?)

What else - something significant ...

 

 

Go for it .......

 


I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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"tell us one single actual defined benefit from brexit to you personally ?

A real defined, costed one, not some ideological wishful fantasy"

 

It annoys people like you who can't see further than the end of their nose.

 

 


Life is so much better and happier as an Optimist than a boring depressed Pessimist

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4 hours ago, Maharg1 said:

Which is what I said.  If the EU plonks 50% tarif on the Uk, we do the same to them so they have more to lose than we do.

But surely it’s relative. There are far more people in the EU so trade per head is different


Any opinion I give is from personal experience .

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2 minutes ago, Maharg1 said:

"tell us one single actual defined benefit from brexit to you personally ?

A real defined, costed one, not some ideological wishful fantasy"

 

It annoys people like you who can't see further than the end of their nose.

 

 

 

But can you answer the question, Marharg?


Illegitimi non carborundum

 

 

 

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"But can you answer the question, Marharg?"

 

No just as nobody can.  as it says in  tobyjugg2 signature

Quote OPINIONS unquote

 

Every single so called prediction is just guesswork and like the rest of us you will have to wait and see.

 

 

Edited by Maharg1

Life is so much better and happier as an Optimist than a boring depressed Pessimist

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I am so looking forward to the riches of freedom. :)


Life is so much better and happier as an Optimist than a boring depressed Pessimist

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2 minutes ago, Maharg1 said:

I am so looking forward to the riches of freedom. :)

 

So name some then

 

as already asked

 

 

don't like the bank of Englands figures ...

https://www.scmp.com/news/world/europe/article/2152153/money-uk-has-lost-brexit-vote-exceeds-eu-budget-payments-study

Edited by tobyjugg2

I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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Maharg, perhaps you could help us to understand which type of Brexit Boris Johnson is going for please?


Illegitimi non carborundum

 

 

 

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What a silly question - he hasn't announced anything to the press or his party so how the hell am I supposed to know.


Life is so much better and happier as an Optimist than a boring depressed Pessimist

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So are you saying that you voted Tory [assuming you did] without knowing what kind of Brexit there would be?


Illegitimi non carborundum

 

 

 

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There is only one kind of Brexit and that is out.

 

I knew all I needed, that we would be free to make our own laws and not have some foreigner overriding what

our courts say.

I knew that we would be free to make all the trading contracts we wanted and not be told who we could trade

with by Germany.

 

 

Edited by Maharg1

Life is so much better and happier as an Optimist than a boring depressed Pessimist

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31 minutes ago, Maharg1 said:

we would be free to make our own laws and not have some foreigner overriding whatour courts say.

 

But isn't that what American born Alexander Boris de Pfeffel Johnson is planning to do - override the courts and make his executive above the law?

 

 

33 minutes ago, Maharg1 said:

 

I knew that we would be free to make all the trading contracts we wanted

 

 

So hows that going then?

Name some...


I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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So he should, An Elected Government runs this country not some biased judge

Edited by Maharg1

Life is so much better and happier as an Optimist than a boring depressed Pessimist

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So you believe that a temporary PM should be above and beyond the laws of the land?

Have you any knowledge of henry 8th - you know - the dictatorial laws they want to impose?

 

and Still waiting for you to define some of these deals you mention as a driving force..


I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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No, an ELECTED pm, elected by the country.

 

I didn't know Henry the 8th, I'm not that old

Edited by Maharg1

Life is so much better and happier as an Optimist than a boring depressed Pessimist

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but if that PM is not bound by laws, they just change them at will

 

Look up Henry 8th

 

 


I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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and Still waiting for you to define some of these deals you mention as a driving force..


I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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I don't answer to you, your posts show that you already know everything, or think you do.

Edited by Maharg1

Life is so much better and happier as an Optimist than a boring depressed Pessimist

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So if anything I say is false,  challenge it with simple facts

as i do yours

 

.. if you have any that is ...

Edited by tobyjugg2

I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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I don't want to challenge what you say, i don't care what you say.

All I will say is Brexit here we come now all you remoaners can get on with your life.

 

No, they are a secret between me and Boris

Edited by Maharg1

Life is so much better and happier as an Optimist than a boring depressed Pessimist

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@Maharg1

So you think Johnson (or Corbyn if he had been elected) should do what they want without any interference with the courts and UK law - effectively absolute dictators.

 

Have no real definition of why you support Brexit other than some long proven false right wing soundbites,

 

and think brexit is great for international trade deals despite not knowing of or about any (another dis-proven right wing soundbite)

 

?

 

So nothing but wind and 'second hand' water really?

 

 

 

 

Edited by tobyjugg2

I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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Yea, whatever.  Throwing insults won't get you anywhere,


Life is so much better and happier as an Optimist than a boring depressed Pessimist

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3 hours ago, Maharg1 said:

I am so looking forward to the riches of freedom. :)

 

so name some real ones then

 

A real easy start should be those trade deals you recently mentioned as being a driver

 


I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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