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    • of which the purchaser in this case is surely the finance company under an HP agreement that is covered by the consumer credit act.   this gives the person that took out and signed the the HP agreement, with the finance company, the consumer, the right to raise a claim under use section 75 of the consumer credit act.   it's worthy to note, the FOS have in very recent times come down very hard on Moneybarn fining them (Provident) many £1m's over not treating customers fairly, including over the above issues. likewise Advantage Finance are too very much under their radar .   as from post 1 i am just musing here, but, i am wondering if a section 75 claim might be a far more powerful route. however enforcing that i agree might not be a very quick.    i have a feeling that the only thing that has actually been done here with regard too advantage is a simple complaint saying for want of differing words 'the car under the finance from you doesn't work'. it was not a formal complaint under section 75 of the CCA, which carries far more weight and must be actioned properly by advantage, not just a fob-off letter resulting in deadlock.   i seriously doubt advatage would want to ignore the rights of a consumer raised under the consumer credit act.    just musing.
    • I notice also that on 6 November you were advised to start organising an independent assessment and also to see a doctor to start getting a report about your health. Have you done those things? Finally, I notice that you have just told us that 16 days ago you sent the freeholder a letter telling them that they had 14 days to respond in some way. What we are proposing to do at the end of the 14 days – and why haven't you done it?  
    • It will take a little while to go back over the thread to remember what has happened. However, I notice that I put a question to you on 10 November and you have not responded.
    • UPDATE : 11th november Dyson carried out their work at the back of the building. It blew in through a hole in the kitchen behind the cabinets. it was so bad we ran out of the flat coughing and gagging. We told them and they hoovered it up and advised us to wait in a room while they finished up. There was still dust in the air and the surfaces. We were left with a lot of cleaning to do in the kitchen and in the hallway again where it blew into. One of the Dyson blokes came back removed the duct tape we applied and sealed only the worst part of the damaged window frames but left the rest. On removing the duct tape the paint came off residue from the tape has been left all around our windows. I emailed Town and Country on 10/11/2020 giving them 14 days. We have received a response from them on 12/11/2020 acknowledging receipt and saying they are looking into it, but have not heard anything since.    I also had to take an impromptu day off work on 11//11/2020 because of this, and it has come out of my holiday allowance.   Could you please help us as to what the next step to take would be?    Thank you for your time 
    • Name of the Claimant ? shell energy   Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. cant find the very first letter from teh courts, i responded to money claim online with my deffense, due to disabilitys i have forgot the password to log back in, and cant find the claim pack that containt the original passwords to first log in   i know that i had the claim transfered to my local court, court letter was 24th novemember - notice of allocation to the small claoms track (hearing)   Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total) -   ^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE ON THE CLAIMFORM IS ONE IN THE COUNT [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days in total   Particulars of Claim   What is the claim for – the reason they have issued the claim? Please type out their particulars of claim in full (verbatim) less any identifiable data and round the amounts up/down. energy debt   What is the total value of the claim? £650   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? yes   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? n/a Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? no   When did you enter into the original agreement before or after April 2007 ? no   Do you recall how you entered into the agreement...On line /In branch/By post ? no   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? no   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. not the originial creditor, shell energy took over the company that i allededly owe the money to, think it was 1st utility   Were you aware the account had been assigned – did you receive a Notice of Assignment? not sure   Did you receive a Default Notice from the original creditor? not sure   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? not sure   Why did you cease payments? not sure   What was the date of your last payment? not sure   Was there a dispute with the original creditor that remains unresolved? yes - the legalality of the dead lock letter   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? no
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HPH2/Cohen claimform - old BC 'debt' - Fast track N181/DQ help - no CCA return


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On behalf of my friend.

 

Large credit card debt and was sent a CCJ court proceeding form. Sorry rather tired.

 

CPR and CCA request asked for but nothing has turned up.

 

 

I was just about to put in a filled Directions Questionnaire

when today a letter turns up from Howard Cohen enclosing HPH2 Ltd's N181 requesting a 1 month stay to negotiate.

 

Firstly, do we also still have to put in our Directions Questionnaire

and if so, bearing in mind no CCA has been supplied, (this card goes back maybe 15-18 years), what directions should be written?

 

Secondly, as they have not provided CCA,

how do we get them in a position where they have to and if they cannot, stop this going any further due to unenforcability?

 

Thirdly, can this be entered online at MCOL as his DQ has a deadline of 30th December.

 

Many thanks.

Egg/CapQuest 2 - CCA sent 12/04/07 ****RESULT****

Barclays Bank/Lowell 1 - CCA sent 12/04/07 ****RESULT****

 

Halifax/CapQuest 1 - CCA sent 12/04/07 SD issued ****WON with COSTS****

 

Barclaycard/Cabot - CCA Sent 12/04/07 Unenforcable Application Form

Smile/Lowell 2 - CCA sent 12/04/07 Unenforcable Application Form

NatWest/Fredrickson International - CCA sent 12/04/07 No Reply

 

Halifax/1st Credit - CCA sent 17/04/07 No CA but Threats from 1st Credit & Connaught! - Still Nothing but still chasing!

 

Student Loans Company/CapQuest 3 - CCA sent 11/06/08 - No Reply.

Lowell 3 - Ignored them went over their heads to Capital One

 

Halifax - S.A.R - sent 17/04/07 Completely incomplete!

Halifax 2 - S.A.R - sent 11/06/08 - Scant Info

Capital One - S.A.R - sent 11/06/08 - Scant Info

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well you most certainly do not give them more time to magic up documents.

 

 

no you cant do it via mcol.

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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not S69 int that's bumped it over the small claims limit is it too?

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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Share on other sites

Yes it was in fast track but they are requesting small claims.

 

Don't know how to proceed as we are on last day before holidays.

 

Ok he can send special delivery next Wednesday but what on earth do we say?

 

 

As you say we don't want to give them extra time to magic up the documents but I have never had this happen.

 

 

His last one we sent in DQ and went to hearing which was railroaded by the judge in DCA favour even though DCA didn't provide a CA.

 

Sorry to bug you with a short deadline this close to the holidays.

Egg/CapQuest 2 - CCA sent 12/04/07 ****RESULT****

Barclays Bank/Lowell 1 - CCA sent 12/04/07 ****RESULT****

 

Halifax/CapQuest 1 - CCA sent 12/04/07 SD issued ****WON with COSTS****

 

Barclaycard/Cabot - CCA Sent 12/04/07 Unenforcable Application Form

Smile/Lowell 2 - CCA sent 12/04/07 Unenforcable Application Form

NatWest/Fredrickson International - CCA sent 12/04/07 No Reply

 

Halifax/1st Credit - CCA sent 17/04/07 No CA but Threats from 1st Credit & Connaught! - Still Nothing but still chasing!

 

Student Loans Company/CapQuest 3 - CCA sent 11/06/08 - No Reply.

Lowell 3 - Ignored them went over their heads to Capital One

 

Halifax - S.A.R - sent 17/04/07 Completely incomplete!

Halifax 2 - S.A.R - sent 11/06/08 - Scant Info

Capital One - S.A.R - sent 11/06/08 - Scant Info

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andy will pop in today I'm sure

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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Share on other sites

Ok thanks DX.

Egg/CapQuest 2 - CCA sent 12/04/07 ****RESULT****

Barclays Bank/Lowell 1 - CCA sent 12/04/07 ****RESULT****

 

Halifax/CapQuest 1 - CCA sent 12/04/07 SD issued ****WON with COSTS****

 

Barclaycard/Cabot - CCA Sent 12/04/07 Unenforcable Application Form

Smile/Lowell 2 - CCA sent 12/04/07 Unenforcable Application Form

NatWest/Fredrickson International - CCA sent 12/04/07 No Reply

 

Halifax/1st Credit - CCA sent 17/04/07 No CA but Threats from 1st Credit & Connaught! - Still Nothing but still chasing!

 

Student Loans Company/CapQuest 3 - CCA sent 11/06/08 - No Reply.

Lowell 3 - Ignored them went over their heads to Capital One

 

Halifax - S.A.R - sent 17/04/07 Completely incomplete!

Halifax 2 - S.A.R - sent 11/06/08 - Scant Info

Capital One - S.A.R - sent 11/06/08 - Scant Info

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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... 

Link to post
Share on other sites

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... 

Link to post
Share on other sites

Could you post details of their particulars and defence submitted Vamp and also a breakdown of the figures on the claim form (including and excluding the section 69 interest)

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Sorry Andy been busy. Will try to get this info over to you a bit later today. Thank you.

Egg/CapQuest 2 - CCA sent 12/04/07 ****RESULT****

Barclays Bank/Lowell 1 - CCA sent 12/04/07 ****RESULT****

 

Halifax/CapQuest 1 - CCA sent 12/04/07 SD issued ****WON with COSTS****

 

Barclaycard/Cabot - CCA Sent 12/04/07 Unenforcable Application Form

Smile/Lowell 2 - CCA sent 12/04/07 Unenforcable Application Form

NatWest/Fredrickson International - CCA sent 12/04/07 No Reply

 

Halifax/1st Credit - CCA sent 17/04/07 No CA but Threats from 1st Credit & Connaught! - Still Nothing but still chasing!

 

Student Loans Company/CapQuest 3 - CCA sent 11/06/08 - No Reply.

Lowell 3 - Ignored them went over their heads to Capital One

 

Halifax - S.A.R - sent 17/04/07 Completely incomplete!

Halifax 2 - S.A.R - sent 11/06/08 - Scant Info

Capital One - S.A.R - sent 11/06/08 - Scant Info

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Could you post details of their particulars and defence submitted Vamp and also a breakdown of the figures on the claim form (including and excluding the section 69 interest)

 

Regards

 

Andy

 

Defence

DEFENCE STATEMENT

 

 

IN THE NORTHAMPTON COUNTY COURT (CCBC)

CASE No: ********

 

BETWEEN:

Hoist Portfolio Holding 2 Ltd

CLAIMANT

And

 

Person

DEFENDANT

 

DEFENCE

 

 

1: I received the claim ******** from the Northampton County Court

on **/**/2016.

 

2: Each and every allegation in the Claimants statement of case is

denied unless specifically admitted in this Defence.

 

3: This claim appears to be for a Credit Card agreement regulated

under the Consumer Credit Act 1974.

 

4: The Claimants statement of case fails to give adequate

information to enable me to properly assess my position with

regards the claim.

 

5: It is my contention that any alleged debt is statute barred by

virtue of section 5 of the Limitations Act 1980.

 

6: The Claimants statement of case states that the account was

assigned from MKDP LLP (Barclaycard) to Hoist Portfolio Holding 2.

The Defendant does not recall receiving notice of this assignment.

 

7: It is denied that MKDP LLP (Barclaycard) served any Default

notice on the Defendant pursuant to s87 Consumer Credit Act 1974.

The Claimant is required to prove that a compliant Default Notice

was served upon the Defendant.

 

8: On the **/**/2016 I sent a request to Howard Coen & Co for

inspection of documents mentioned in the claimants statement of

case under Civil Procedure Rule 31.14. Robinson Way on behalf of

the Claimant have confirmed Howard Coen & Co will provide copies

of the Agreement & Notice of Assignment.

 

9. Howard Coen & Co have not sent any of these documents to me.

 

10. On the **/**/2016 I sent a formal request for a copy of the

original agreement to Hoist Portfolio Holding 2 Ltd pursuant to

section s77-79 of the Consumer Credit Act 1974 along with the

statutory £1 fee.

 

11. The Claimant has failed to comply with s78 Consumer Credit Act

1974 and by virtue of s78 (6) Consumer Credit Act 1974 cannot

enforce the agreement.

 

12: The Parties agreed to an extension to the time period allowed

for filing of my defence under CPR 15.5 to allow the Claimants

additional time to produce the relevant documentation to evidence

their claim however they have failed to do so.

 

13. On **/**/2016 I received a letter from Robinson Way on behalf

of the Claimant, agreeing to a general extension of time for

Howard Coen & Co to provide me with relevant documentation to

evidence their claim however they have failed to do so.

 

14. Under Civil Procedure Rule 16.5 (4) where the claim includes a

money claim, a defendant shall be taken to require that any

allegation relating to the amount of money claimed be proved

unless he expressly admits the allegation. Therefore It is

expected that the Claimant be required to prove the allegation

that the money is owed as claimed.

 

15. I request the court orders the Claimants to provide the

necessary documentation in order for me to fully plead my case

else the Claim should stand struck out.

 

16. In the event that the relevant documents are received from the

Claimants I will then be in a position to amend my defence, and

would ask that the Claimants bear the costs of the amendment.

 

17. It is denied that the Claimant is entitled to the relief as

claimed or at all.

 

Statement of Truth

 

The Defendant believes that the facts stated in this Defence are

true.

 

Signed Person

 

Date **/**/2016

Egg/CapQuest 2 - CCA sent 12/04/07 ****RESULT****

Barclays Bank/Lowell 1 - CCA sent 12/04/07 ****RESULT****

 

Halifax/CapQuest 1 - CCA sent 12/04/07 SD issued ****WON with COSTS****

 

Barclaycard/Cabot - CCA Sent 12/04/07 Unenforcable Application Form

Smile/Lowell 2 - CCA sent 12/04/07 Unenforcable Application Form

NatWest/Fredrickson International - CCA sent 12/04/07 No Reply

 

Halifax/1st Credit - CCA sent 17/04/07 No CA but Threats from 1st Credit & Connaught! - Still Nothing but still chasing!

 

Student Loans Company/CapQuest 3 - CCA sent 11/06/08 - No Reply.

Lowell 3 - Ignored them went over their heads to Capital One

 

Halifax - S.A.R - sent 17/04/07 Completely incomplete!

Halifax 2 - S.A.R - sent 11/06/08 - Scant Info

Capital One - S.A.R - sent 11/06/08 - Scant Info

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As usual I have not been given the Claim Form so do not have the particulars. Have just asked him and well, we shall see. Will scan in and post their Draft Directions.

Egg/CapQuest 2 - CCA sent 12/04/07 ****RESULT****

Barclays Bank/Lowell 1 - CCA sent 12/04/07 ****RESULT****

 

Halifax/CapQuest 1 - CCA sent 12/04/07 SD issued ****WON with COSTS****

 

Barclaycard/Cabot - CCA Sent 12/04/07 Unenforcable Application Form

Smile/Lowell 2 - CCA sent 12/04/07 Unenforcable Application Form

NatWest/Fredrickson International - CCA sent 12/04/07 No Reply

 

Halifax/1st Credit - CCA sent 17/04/07 No CA but Threats from 1st Credit & Connaught! - Still Nothing but still chasing!

 

Student Loans Company/CapQuest 3 - CCA sent 11/06/08 - No Reply.

Lowell 3 - Ignored them went over their heads to Capital One

 

Halifax - S.A.R - sent 17/04/07 Completely incomplete!

Halifax 2 - S.A.R - sent 11/06/08 - Scant Info

Capital One - S.A.R - sent 11/06/08 - Scant Info

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For your information.

HC DQ.jpg

HC Directions2.jpg

Egg/CapQuest 2 - CCA sent 12/04/07 ****RESULT****

Barclays Bank/Lowell 1 - CCA sent 12/04/07 ****RESULT****

 

Halifax/CapQuest 1 - CCA sent 12/04/07 SD issued ****WON with COSTS****

 

Barclaycard/Cabot - CCA Sent 12/04/07 Unenforcable Application Form

Smile/Lowell 2 - CCA sent 12/04/07 Unenforcable Application Form

NatWest/Fredrickson International - CCA sent 12/04/07 No Reply

 

Halifax/1st Credit - CCA sent 17/04/07 No CA but Threats from 1st Credit & Connaught! - Still Nothing but still chasing!

 

Student Loans Company/CapQuest 3 - CCA sent 11/06/08 - No Reply.

Lowell 3 - Ignored them went over their heads to Capital One

 

Halifax - S.A.R - sent 17/04/07 Completely incomplete!

Halifax 2 - S.A.R - sent 11/06/08 - Scant Info

Capital One - S.A.R - sent 11/06/08 - Scant Info

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PDF next time please

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... 

Link to post
Share on other sites
PDF next time please

 

Sorry mate. Can't pm from my phone but defense down to me. Copied one which I used before.

 

On the defense they quoted CA I remember that.

 

I know this would be easier if "someone" actually got and dealt with this with longer than a day to send this off.

 

This DQ for has to be sent snail mail does it? Can't be uploaded with the rest of the stuff on MCOL?

Egg/CapQuest 2 - CCA sent 12/04/07 ****RESULT****

Barclays Bank/Lowell 1 - CCA sent 12/04/07 ****RESULT****

 

Halifax/CapQuest 1 - CCA sent 12/04/07 SD issued ****WON with COSTS****

 

Barclaycard/Cabot - CCA Sent 12/04/07 Unenforcable Application Form

Smile/Lowell 2 - CCA sent 12/04/07 Unenforcable Application Form

NatWest/Fredrickson International - CCA sent 12/04/07 No Reply

 

Halifax/1st Credit - CCA sent 17/04/07 No CA but Threats from 1st Credit & Connaught! - Still Nothing but still chasing!

 

Student Loans Company/CapQuest 3 - CCA sent 11/06/08 - No Reply.

Lowell 3 - Ignored them went over their heads to Capital One

 

Halifax - S.A.R - sent 17/04/07 Completely incomplete!

Halifax 2 - S.A.R - sent 11/06/08 - Scant Info

Capital One - S.A.R - sent 11/06/08 - Scant Info

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As time is of the essence Vamp I would just go with the claimants directions and agree same although Im not sure they will get SCT...complete your N181 by mirroring the claimants.....copy to their sols and file a copy with the court...must go by normal mail Im afraid.

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

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As time is of the essence Vamp I would just go with the claimants directions and agree same although Im not sure they will get SCT...complete your N181 by mirroring the claimants.....copy to their sols and file a copy with the court...must go by normal mail Im afraid.

 

Andy

 

Ok thank you Andy. Sorry.

Egg/CapQuest 2 - CCA sent 12/04/07 ****RESULT****

Barclays Bank/Lowell 1 - CCA sent 12/04/07 ****RESULT****

 

Halifax/CapQuest 1 - CCA sent 12/04/07 SD issued ****WON with COSTS****

 

Barclaycard/Cabot - CCA Sent 12/04/07 Unenforcable Application Form

Smile/Lowell 2 - CCA sent 12/04/07 Unenforcable Application Form

NatWest/Fredrickson International - CCA sent 12/04/07 No Reply

 

Halifax/1st Credit - CCA sent 17/04/07 No CA but Threats from 1st Credit & Connaught! - Still Nothing but still chasing!

 

Student Loans Company/CapQuest 3 - CCA sent 11/06/08 - No Reply.

Lowell 3 - Ignored them went over their heads to Capital One

 

Halifax - S.A.R - sent 17/04/07 Completely incomplete!

Halifax 2 - S.A.R - sent 11/06/08 - Scant Info

Capital One - S.A.R - sent 11/06/08 - Scant Info

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Well I filled it in and he has gone to post them Special Delivery. Still not found his original court claim papers.

 

In the covering letter to Howard Coen I cheekily reminded them we have not had the requested CA.

 

Now onto my paperwork which is PIP and ESA related :(

Egg/CapQuest 2 - CCA sent 12/04/07 ****RESULT****

Barclays Bank/Lowell 1 - CCA sent 12/04/07 ****RESULT****

 

Halifax/CapQuest 1 - CCA sent 12/04/07 SD issued ****WON with COSTS****

 

Barclaycard/Cabot - CCA Sent 12/04/07 Unenforcable Application Form

Smile/Lowell 2 - CCA sent 12/04/07 Unenforcable Application Form

NatWest/Fredrickson International - CCA sent 12/04/07 No Reply

 

Halifax/1st Credit - CCA sent 17/04/07 No CA but Threats from 1st Credit & Connaught! - Still Nothing but still chasing!

 

Student Loans Company/CapQuest 3 - CCA sent 11/06/08 - No Reply.

Lowell 3 - Ignored them went over their heads to Capital One

 

Halifax - S.A.R - sent 17/04/07 Completely incomplete!

Halifax 2 - S.A.R - sent 11/06/08 - Scant Info

Capital One - S.A.R - sent 11/06/08 - Scant Info

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  • 3 weeks later...

Ok. He's had a letter stating Coen had got its one month. Should he be reminding them of the lack of CA requested and possible SB?

 

From what I have read, Coen probably won't contact him during this time.

Egg/CapQuest 2 - CCA sent 12/04/07 ****RESULT****

Barclays Bank/Lowell 1 - CCA sent 12/04/07 ****RESULT****

 

Halifax/CapQuest 1 - CCA sent 12/04/07 SD issued ****WON with COSTS****

 

Barclaycard/Cabot - CCA Sent 12/04/07 Unenforcable Application Form

Smile/Lowell 2 - CCA sent 12/04/07 Unenforcable Application Form

NatWest/Fredrickson International - CCA sent 12/04/07 No Reply

 

Halifax/1st Credit - CCA sent 17/04/07 No CA but Threats from 1st Credit & Connaught! - Still Nothing but still chasing!

 

Student Loans Company/CapQuest 3 - CCA sent 11/06/08 - No Reply.

Lowell 3 - Ignored them went over their heads to Capital One

 

Halifax - S.A.R - sent 17/04/07 Completely incomplete!

Halifax 2 - S.A.R - sent 11/06/08 - Scant Info

Capital One - S.A.R - sent 11/06/08 - Scant Info

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No dont converse with the claimant unless they actually do arrange for mediation and approach you...which I doubt will happen considering parties in fast track have to pay for mediation.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

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