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moriarty law/JC International Claimform - old Talk Talk 'debt'! a discharged BR


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Hi, I am hoping someone will kindly help me?

 

I have received a letter from the above this morning for a debt from 2008. The debt is for talk talk however I have never had any accounts with them. After a google search, I believe they managed AOL in the UK at that time and I did have a small debt with them. I assume this is what this debt refers to.

 

AOL was included in my BR from 2011. Normally I ignore such letters however this states they have issued proceedings in the Northampton County Court and I have 14 days to respond.

 

I was going to ring them but don't want ti contact them until I know this is the right course of action.

 

Thankyou in advance for any help.

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no don't ring them..

 

 

can you scan up the letter to PDF please

follow the upload

 

 

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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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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Thanks for coming bk to me. I have no way of scanning.

 

Thanks for posting the above. I had read that but feel mine is slightly different as I think the debt was included in my bankruptcy.

 

Do I need to send a prove it letter or just write a letter/email stating my BR?

 

Thanks again

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Do you currently live in the UK ?

 

Their letter does not make any sense. If they have issued a court claim, then you will get this through the post and can respond to the court.

 

As they might not have issued any court claim, you could contact Northampton court bulk processing centre which is the central admin centre for court claims applied for online, to check whether a court has been issued.

We could do with some help from you.

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Particulars of Claim: The defendant owes the claimant £58.02 under a regulated agreement with TalkTalk Limited dated 22/05/2008 and which was assigned to the claimant on 01/01/2016 and notice of which was given to the defendant on the 01/01/2016(debt).

Despite formal demand for payment of the debt the defendant has failed to pay and the claimant claims £58.02 and further claims interest thereon pursuant to section 69 of the county courtact 1984 limited to one year to the date hereof at the rate of 8% per annum amounting to £4.29

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hang on

its not a letter is it

its a court claimform from the court itself yes?

large brown a 4 envelope

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

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

Name of the Claimant JC International Acquisition

Date of issue – 7th March 2017

What is the claim for –

 

 

1.The defendant owes the claimant £58 under a regulated agreement with TalkTalk Limited dated 22/05/2008 and which was assigned to the claimant on 01/01/2016 and notice of which was given to the defendant on the 01/01/2016(debt).

Despite formal demand for payment of the debt the defendant has failed to pay

and the claimant claims £58

and further claims interest thereon pursuant to section 69 of the county courtact 1984 Limited to one year to the date hereof at the rate of 8% per annum amounting to £4.29.

 

What is the value of the claim? £58

Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? TalkTalk, but I had an AOL account

When did you enter into the original agreement before or after 2007? After, I think. We got the free laptop.

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. Debt purchaser.

Were you aware the account had been assigned – did you receive a Notice of Assignment? Not sure, since BR take the letter with a pinch of salt.

Did you receive a Default Notice from the original creditor? Yes but were included in BR normally only contact me as AOL.

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? From AOL yes

Why did you cease payments? They were included in my BR.

What was the date of your last payment? July/ Aug 2011.

Was there a dispute with the original creditor that remains unresolved?

 

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No

Does this help or do you need more? I'm sorry but I feel a bit lost what to do.

 

I assumed once I went through bankruptcy this couldn't happen?

 

Thanks again

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This should be quite easy to defend.

 

Do you have documents evidencing that this AOL debt was included in your bankruptcy ?

 

I take it that because of bankruptcy, there has been no payments made in regard to this debt during the last 6 years ?

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

 

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

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has the poc an account number

does that match the AOL one?

 

as you'll see these are speculative claims anyway hoping for a default uncontested judgement.

 

you can go ack the claim on mcol [defend all]

 

let andyorch pop in on this BR bit but get those numbers if you can 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... 

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I knew you were going to ask that...

me auto link didn't post...

 

 

pop up on the MCOL website detailed on the claimform.

.

register as an individual

note the long gateway number given

then log in

.

select respond to a claim and select the AOS box.

.

then using the details required from the claimform

.

defend all

leave jurisdiction unticked.

click thru to the end

confirm and exit 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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What does 'ack the claim on mcol' mean please?

 

Acknowledge the court claim on Money Claim Online.

 

There should be details of how to acknowledge the court claim online contained in the courts papers received.

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

 

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

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just do as post 15

 

the rest is for later

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

i'll pop in later or andy will

 

 

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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Share on other sites

you have a copy of your bankruptcy order that lists this account

[going by post 13]

 

 

so that's all we need to tick box for now,

nothing more for you to do

BUT

DO NOT MISS YOUR DEFENCE FILING date

 

 

by 4pm 7th april.

 

 

pop back here the start of that week and we'll get your defence sorted.

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 deal with this 2 ways

 

1). Send to the claimant a copy of proof this debt was included in bankruptcy. On the court claim it tells you who is dealing with it and it may be their Solicitors.

 

2). Still enter your defence to the claim online. As you need to do this, just in case the claimant does not cancel their claim.

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

 

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

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I wouldn't be tipping anyone off if I was you.

 

they'll soon findout..:wink:

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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