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    • Hello, Following the submission of my defense, last night I received an email from DCBL indicating that the claimant intends to proceed with the claim (I've attached a screenshot of the email for reference) along with the N180 directions questionnaire. I'm unsure how they obtained my email, but I suspect it was through the courts' form when I completed the Acknowledgment of Service. This email almost slipped my attention. I have also today received a letter from court to state they have received my defense.  It appears they are requesting an online telephone hearing with the court. Could you please advise me on the necessary steps I should take at this point? Thank you for your assistance. Letter-Email 25-04-24.pdf N180 - Directions questionnaire (Small Claims Track).pdf
    • Default Amount £9237.88, all this started in 2006 Admitted debt £9075.65 Weightmans added £1515.01 immediately they became involved, no explanation The Statement shows when Marlin bought debt in May 2011 £10439.25 Their statements, not received until the SAR, are based on this. Cabot deducted £1515.01on their statements in January 2019, again did not find this out until SAR. Weightmans added in  2007 after the CH1 etc was confirmed by the court £741.50, made up of Process server fees, Court Fee (they tried for bankruptcy), Solicitors fee and Land Registry fee. Unspecfied Legal costs were added by Marlin in March 2015, again I did not know this until statements received with SAR I had been paying monthly, without exception until December 2018. I am minded to take the property charge, CH1 amount ,deduct all my payments and the subsequent fees, and request/demand a refund on the final payment made? I consistently disputed Weightmans balances, but they never responded. I also told Mortimer Clarke/Cabot that I disputed their amounts.  
    • Just follow this link and have read of some threads so your familiar with the process https://www.consumeractiongroup.co.uk/topic/347310-legal-n180-directions-questionnaire-small-claims-track/#comment-5178739
    • Sorry,  I'm not familiar with terminology.  Direction questionnaire is what I've seen online as next step. Witness statement: I haven't gone that far, that's why I put the question marks.
    • 2. Is correct disregard 1. You must attend ad per the order 
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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.
      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Welcome Finance


KeithCP2
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Dear Sir or Madam

 

Back in 2009 I lost my full time job of 9 years,

I had no work at all for a minimum of 5 years

 

 

during that time I got letters from what was known as the CCCS back then now I believe Step Change and help from you too,

 

 

I sent a letter to all my creditors back then and offered £1 per month which has been paid by a regular standing order ever since without default,

 

 

a few credit cards,

mobile phone contract got cancelled which Lowell had and the three contract through your help and letters from this site,

 

 

the last lot of cowboys the welcome finance got to collect my debt,

was not happy with £1 per month,

 

 

I told them they accept what they are being paid or go without,

since then with todays letter

 

 

I have received 2 letters from Welcome Finance wanting me to ring them and pay more money,

I cannot afford more money and they are not the only creditors I have,

 

 

I will not be ringing them and since 2015 when I did some I.T. Courses I have each payment made on an Access Database,

 

 

I need some sort of letter Template or advice on what to do,

there is only temporary work out there nowadays through agencies,

 

 

if work drops down you get laid off so can't make any long term changes for short term work,

I do not want to be harassed from these people I cannot afford to pay more end of story

 

Thanks

 

KeithCP2

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ever sent them a CCa to check the enforceability of their debt [many welcome agreements weer faulty]

or

they were 99% penalty charges and various reclaimable insurances.

 

 

they probably owe you I bet

 

 

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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Thanks for the reply

 

No I don't know what a CCa is and the loan was taken out originally in May 2006 when I was working and it was for 36 Months, I lost the job in 2009, and they have been paid by regular Monthly Standing order of £1 per Month since 2009, Bluestone Credit are the people collecting for them at the moment

 

Thanks again

 

KeithCP2

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bluestone?

they don't collect for people

they buy written off debts and fleece people normally

never heard of the solely acting as a gopher...

 

 

somethings not right here if welcome are writing and you are paying bluestone...

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

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