Jump to content


  • Tweets

  • Posts

    • if i remember rightly, long ago in one of the first drafts of the old proposed gov't overhauls, there was a listing of recommended 'charges' that inc wrong reg = £20. some PPC's implemented such changes in advance. then later as it looked increasing likely the new code was never going to be implemented after it's 1st review and another set of codes was to be debated they all quietly revert back .......... dx
    • Potentially it may not even get sold on? Just the default left for 6 years then gone? but if it is sold on ill get a letter from the DCA which is the notice of assignment? Sorry what is the different between a default notice and a default cal marker? yes, i may try and work arrangements out with the OCs after the breathing space but I'll see my circumstances then thank you again for all your help and patience, I really appreciate it and apologies If i am too fast or repeating myself.
    • receiving a default NOTICE (forget simple default cal markers) does not mean it will get sold on... OC's very very rarely do court themselves.  if it does you would receive a Notice of Assignment from the debt buyer/DCA.  as for reduced payment if it remains with the OC and they issue a DN, no harm in trying but lets get all your ducks inline first. dx  
    • okay thanks do you know how long it will take for it to get to the DCA or could the OC try and issue a CCJ? even though it's unlikely also for example would the OC agree to a reduction and a small payment over a super lengthy period of time if agreed? Rather than go through chasing apologies again for all the questions, just trying to understand all the possible scenarios.  
    • Currently - "the maximum daily price at 100p / kWh for electricity and 30p / kWh for gas – keep in mind that's a lot higher than the Ofgem Energy Price Cap, so if you can't afford prices to increase further, you're probably better off sticking with a protected tariff such as Flexible Octopus." Octopus Tracker is a product of our labs, available now to customers through our beta programme. Octopus Tracker is a beta product. Some things may not work the first time, and installations and processes may take longer than we'd like. Third party tech like In-home Displays won't always work, and on occasion data issues with smart meters can take significant time to fix or prevent things from working at all.   Copied straight from octopus   Feel free to shove it somewhere else    
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
        • Thanks
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Capquest/? 1a Claim summons- old Very CAT 'debt'


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2515 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi,

 

Can someone explain the difference between box 1 or box 4?

 

box 1 - admit liability for claim and make written application to pay by instalments

 

and

 

box 4 - admit liability for claim and apply for time to pay under consumer credit act 1974

 

the paperwork looks very similar?

 

Which would be the best one to submit?

 

I owe the debt, they have proved i owe the debt, i want to pay it off but can't pay in one lot. I would rather not have to attend court if possible, hence why i want to admit and make offer to pay.

 

Just confused re the 2 options for making application to pay in instalments.

Link to post
Share on other sites

Never admit the debt jenny

Esp if its been sold on and a fleecing dca has raised a claim

What's this all about please

 

Full story 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

aww i just don't want to goto court again over another bill :(

 

embarrassed to be in this situation to be honest

 

I was made redundant in 2012 and only just this year getting back on track.. I always paid my debts until I lost my job, when I wrote to them all... - firstly the prove it letters and then those who proved it i wrote back to say i couldn't afford to pay... (some were written off as they couldn't prove it)

 

This one is for a catalogue (VERY) just under £2000, Capquest taken me to court, summons delivered by Stirling park

 

They proved I owed the debt with original documents etc.

 

I was just confused over box 1 or box 4 to reply as they look like the same? Am I right in saying box 4 may freeze the interest? I just couldn't work it out..

 

Im on maternity leave and only get SMP at the moment so was hoping to offer around £30 a month (My husband works full time and covers most of the bills).

 

many thanks again

Link to post
Share on other sites

What do you mean by they've proved you owe the debt..how??

 

What is the return date on the 1a claim

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

they provided the signed credit agreement...

 

It is my debt, all goods got delivered to my home and signed for by me as well. I just wondered what the difference was between box 1 and box 4 when admitting the claim.

 

I really don't want to goto court and happy to pay in instalments.

 

return date is tomorrow - i left this late to last minute

Link to post
Share on other sites

when did you take this cat debt out?

and did you sign an agreement?

 

 

did you get T&C's too?

 

 

box 1 admits the debt and you get a degree.

box 4 is a time order

as long as you keep to the order

theres no degree registered.

 

 

HOWEVER this is cabot.!!

they never chase a fully legit debt.

 

 

I suspend most of this debt is penalty charges {£12/£20/£25 for this and that letter/late /over etc]

and most probably extra added BNPL interest?

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

I can't remember when i took it out exactly i will need to recheck that but there is about £400 added on in late payment fees etc since I last made a payment in 2012.

 

I was hoping to just set up a payment plan for £30 or so per month then after a few months offer a final settlement to clear it...

 

I have managed to escape quite a few debts but don't feel confident that I could challenge this one.

 

so I should go with the box 4 option then?

 

do I put my husbands income on it too or just my SMP?

If its just my SMP I'm not sure how to work out my share towards bills on the outgoings as we have joint account and my bills come out of there but husband has more income than me.

 

thank you so much again for your help

Link to post
Share on other sites

are the details not on your credit file

if you last paid 2012 then they've piped the SB timer

 

 

can you scan up this agreement to PDF?

was this ent for before or after the issuance of the claim?

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

  • 5 months later...

so what happened?

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

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...