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    • Does anyone know if a person has the right  to use a lay representative in the family division of the county court? the wording of the Lay representatives(right of audience) order 1999 refers to a county court and stage 1 or tier 1 proceedings and Scots law have a form to fill out for such representation but it isnt clear whether the english system has such a clearly defined right of audience. The MoJ mentions it in some discussion papers as though it is hard and fast but in other documents  it is McKenzie Friends who are written about as if they are the only people allowed other than sols/barristers.   reason why lay rep needed is they can speak and the other side cant object where with McKenzie friend they cant speak on behalf of claimant/respondent and the other party can object to that person being present- which will happen  in this particular case. Ultimately it may well be a discretionary power of the judge but dont want to start off with a bad step.
    • It seems as though the solicitoras want to keep hold of this payday and will do anything to churn it ( make money by continuing an action that isnt in the clients interests). The land registry will have the record of who paid for the property and how so you will be in the clear on that as you didnt just take the place over, you bought it from the estate of the deceased. now it seems like your mother is struck by regrets/remorse over her inability to take over the property at the time and what tends to happen is that relatives will sit there and say bad things about the person who they see is the beneficiary of their misfortune and then get into a feedback loop, each reinforcing the wrong opinion of the other. Your attempts to sort things out logically ahs tempered this somewhat so do continue and keep clear of their  lawyers at all costs, they will just keep the meter ticking over and bring the negative thought back to the surface. your parents will already be about 2 grand a day down on anything the sols have done so try and get them to  look back to the mess that her father's death left them in and amke it clear that at least the house is still in the family and that she has benefitted from that by receiving money at the time that otherwise she wouldnt have got. If that still causes friction then I would still write to them rather than responding to the solicitor, the lesson they will learn will cost them less and when the sols have moved on to the next client they will have not lost so much of what they still have left. Ultimately if they do actually issue proceedings you can ask for the claim to be chucked out as having no merit etc by showing how the place was bought. I do struggle to believe that people dont know who their mortgage was with even after all of this time,  same as I find it odd that people suddenly find details for accounts with tens of thousands in that they had forgotten about. You can find out as again it will be in the Land registry entry for most properties that had a mortgage
    • A claim was issued against you on 30/07/2019 Your acknowledgment of service was submitted on 31/07/2019 at 18:14:49 Your acknowledgment of service was received on 01/08/2019 at 08:05:52 Your defence was submitted on 30/08/2019 at 23:17:46 Your defence was received on 02/09/2019 at 01:06:05 DQ sent to you on 27/09/2019 DQ filed by claimant on 27/09/2019 You filed a DQ on 23/10/2019 Your claim was transferred to BIRMINGHAM on 14/11/2019
    • no local courts can be very slow depending upon case loads.   as long as the org claimform had your correct and current address on it, it's just the above.
    • I've just checked and the status is   "Your claim was transferred to BIRMINGHAM on 14/11/2019"   The last I've heard is the phonemail from mediation. No mail received. Should I be worried about this?
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Me again. Trying to sort out my partners debts.

 

He's got a debt with Opus and is being chased by 1st Credit.

 

 

Sent off a CCA request on 28 October

 

 

on 21 November got a standard letter saying that they are aware a dispute/query has been raised and they would contact the original creditor in order to request any information they hold but it may take several weeks for them to gather this information.

 

Can I presume that they haven't got the original CCA?

I'm not going to suggest any response to them anyway.

 

The other question is all correspondence goes to his parents house which he only goes to every couple of weeks.

Is it safe to request that all correspondence is directed to his new address?

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Until they provide a compliant response, you ignore them.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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opus are citi

and they'll never get an enforceable CCA out if citi there are none

esp if its years old.

 

 

when was the card taken out?

 

 

dx


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What address is on his credit file?

 

You need to ensure that they cannot obtain a CCJ via default, ie, sending court claims to his old address.

 

Not that a CCJ is likely, but they use underhand tactics, and if they get so much as a sniff that they can obtain a judgement by default, they won't hesitate.


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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opus are citi

and they'll never get an enforceable CCA out if citi there are none

esp if its years old.

 

 

when was the card taken out?

 

 

dx

 

What address is on his credit file?

 

You need to ensure that they cannot obtain a CCJ via default, ie, sending court claims to his old address.

 

Not that a CCJ is likely, but they use underhand tactics, and if they get so much as a sniff that they can obtain a judgement by default, they won't hesitate.

 

Card taken out in Feb 1999

 

Currently his old address is on his credit file but he has now just registered at mine on the electoral roll so that will show next month

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Well as they are unable to produce the CCA, then ignore, don't enter into letter tennis with them.


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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was the cca send from where he now lives?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

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

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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was the cca send from where he now lives?

 

No, it was sent from the address registered with them. It would be much easier if post came here though as it could be opened more quickly

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then send a new CCA request from the correct address

then they have it and cant argue

nor get a backdoor CCJ


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

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

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Soooo Nothing has appeared yet from anyone.

 

 

1st credit have however sent a few texts and emails to partner requesting him to contact them.

 

 

Is there a template letter telling them to back off until they can produce proof of the debt?

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no just invites letter tennis.

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

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

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Mark the emails as Junk, and forward the text messages to 7726 (SPAM on your phones keypad)


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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