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    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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    • 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.
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irresponsible lending?


nocreditjoe
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Hi ,

 

Having just cleared up an old email account i came across two emails , one from FLM QUICK and one from WONGA, both stating that two debts had been written off. what as my little hamster brain running is, the WONGA loan, written off due to irresponsible lending. They said i should never have been accepted for a loan. now i had this loan in 2011 when i was unemployed and in 2012 i also ran up a couple of catalogue debts which i am currently being pursued for , what i am wondering is , if it was irresponsible for WONGA to give me a loan would it also have been irresponsible of the catalogue companies to have given me credit?

 

FLM QUICK accepted me as a guarantor for a friend who paid them back over £1000 on a £500 loan that was never actually decreasing in amount owed! but it seems they ceased trading and the debt was written off.

 

i should never have accrued the debts i know but you learn by your mistakes. well we try.

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Hi NCJ

 

Id say no in this case, because the Catalogue accounts are slightly different in the way that they work. They could have given you a small Credit limit of say £100 based upon your circumstances.

They also DO check all the CRA companies so they make a decision based upon what they see. The APR isn't higher than Wonga either so these are not classed as HCSTC (High Cost, Short Term Credit)

 

All i would say for now is that if youve learned your lesson, then that is a good thing but Im afraid from my stance the answer would be no.

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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Hi NCJ

 

Id say no in this case, because the Catalogue accounts are slightly different in the way that they work. They could have given you a small Credit limit of say £100 based upon your circumstances.

They also DO check all the CRA companies so they make a decision based upon what they see. The APR isn't higher than Wonga either so these are not classed as HCSTC (High Cost, Short Term Credit)

 

All i would say for now is that if youve learned your lesson, then that is a good thing but Im afraid from my stance the answer would be no.

 

ah ok . just wondered as i had a debt with wonga of £600+ which i thought would have been on my credit file. i opened i think 3 or 4 different catalogue credit accounts with isme woolworths littlewoods and o think very within a two week period.. which was about 1 month after i defaulted on the wonga loan. the credit limits were £500 ,£500 and £300 and 1 of £150 if i remember correctly.

 

not massive amounts i know but as i am now back on the scrapheap and after reading a few emails of DCAs like fidelite and lowell trying to contact me over the last few years i am just stressing a little ha

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Check whats showing in your credit files via

 

http://Www.clearscore.com

http://Www.noddle.co.uk

 

Generally speaking you can ignore a dca, they are not bailliffs and can do you no harm, unless they issue a claimform via the court.

 

I am assuming all the dca's have your current address, this would avoid them attempting to obtain a backdoor, uncontested ccj.

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Check whats showing in your credit files via

 

 

 

Generally speaking you can ignore a dca, they are not bailliffs and can do you no harm, unless they issue a claimform via the court.

 

I am assuming all the dca's have your current address, this would avoid them attempting to obtain a backdoor, uncontested ccj.

 

i tried clearscore but they had no report on me.. so i tried a 2nd time with different time periods for how long i lived at my current address so i could add my previous address and it said i can't access for 72 hours! and with noddle i don't have a bank account so i cannot sign up.

 

i have never received any letters from a DCA so i assume they don't have my current address. the television licence is the only thing in my name.

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Ok, wasnt aware a bank account was a pre requisite for noddle but no big deal, a basic bank account for the purpose can be opened at any bank.

You need to know if any dca has already obtained ccj against you, not liking a quiet dca, being a pest is in their job description!!

 

On the other hand, are any of these alleged debts causing you an issue ?

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Ok, wasnt aware a bank account was a pre requisite for noddle but no big deal, a basic bank account for the purpose can be opened at any bank.

You need to know if any dca has already obtained ccj against you, not liking a quiet dca, being a pest is in their job description!!

 

On the other hand, are any of these alleged debts causing you an issue ?

 

apparently they need a debit card to confirm my identity (noddle) . the email i received from lowells and fidelite were offering settlement amounts but no mention of ccjs. they aren't causing me any real issues.. yet! like you say a quiet DCA is like a quiet child... upto no good! i don't have any identification so i doubt i can open even a basic account, can i?

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apparently they need a debit card to confirm my identity (noddle) . the email i received from lowells and fidelite were offering settlement amounts but no mention of ccjs. they aren't causing me any real issues.. yet! like you say a quiet DCA is like a quiet child... upto no good! i don't have any identification so i doubt i can open even a basic account, can i?

Just an example too

 

http://www.barclays.co.uk/validid

http://www.tsb.co.uk/current-accounts/faqs/identity/

 

Notice Benefit Entitlement Letter :)

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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When was the last time you paid anything toward any of these debts and have you acknowledged any of them in writing?

If its as far back as 2012, they will fall off naturally in around 2 yrs or so.

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oh thanks ! i shall look into opening one then :) appreciated.

 

Anytime... Once opened, I would suggest putting just a fiver in there... Then when youve done that, sign up to Noddle & Clerscore. They wont take payment but they will allow you to pass the Payment / ID Validation screen :)

They update every 30 days :)

 

Trust me a lot has opened up in the last few years :)

Please also answer MArtin's question on the debts :)

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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When was the last time you paid anything toward any of these debts and have you acknowledged any of them in writing?

If its as far back as 2012, they will fall off naturally in around 2 yrs or so.

 

2012 and no i have never acknowledged them . i think the debts are from around june or july 2012 .. so it would be june/july 2018 that they would no longer be "owed"?

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Well they will fall off your credit file and become SB should it reach 6 yrs without payment or written acknowledgement.

Most OC's and DCA's however work on 6 yrs from default, hence the importance of obtaining your credit file so we know whats what with each account.

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Anytime... Once opened, I would suggest putting just a fiver in there... Then when youve done that, sign up to Noddle & Clerscore. They wont take payment but they will allow you to pass the Payment / ID Validation screen :)

They update every 30 days :)

 

Trust me a lot has opened up in the last few years :)

Please also answer MArtin's question on the debts :)

 

would signing up to check my credit file alert the DCA to my new address though? it would be good to know what is on file though ! not good how they used to be able to keep a file on us that we didnt have access too!

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would signing up to check my credit file alert the DCA to my new address though? it would be good to know what is on file though ! not good how they used to be able to keep a file on us that we didnt have access too!

 

No... Not at all... When you check your searches, your updated reports will appear as an administrative review only visible to you and the CRA.

Dont worry :)

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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Well they will fall off your credit file and become SB should it reach 6 yrs without payment or written acknowledgement.

Most OC's and DCA's however work on 6 yrs from default, hence the importance of obtaining your credit file so we know whats what with each account.

 

i get you..catalogue might let the non payment fees rack up and interest before they decide to put the account into default. i shall access my credit dile as soon as possible and report back with my findings. thanks so much for the advice and help.

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No... Not at all... When you check your searches, your updated reports will appear as an administrative review only visible to you and the CRA.

Dont worry :)

 

that is good to know! i had been worried about checking my file for that reason plus with the wonga and flm debts . i had been worrying for the past few years about the wonga and flm debts..expecting a knock at the door.. only to find today that they had been written off 18 months ago!

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You really need to CCA everything

As if the owners of these debts don't know your real address

Then back door CCJ s will be afoot

 

The days of the hiding mentality are long gone

 

750'000 claim form s were issued last year....

 

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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