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    • I am sorry about getting your status mixed up.  I have noticed one thing in your excellent WS. On their claim they are only pursuing you as the keeper-I think it is  in their Point C that  states along the lines of -the driver did not pay , so the keeper is liable. So on your No keeper Liability section  You may prefer  to alter 13 to    . It is trite Law that the driver and the keeper cannot be regarded  as the same person and the claimant has failed to offer any proof who was driving.  BY  only pursuing the keeper  when the PCN does not comply with PoFA must mean that their claim fails. See what the Site team thinks as it should  stop the Judge from looking at who was driving as your statement preempts them from even thinking about it.
    • What would suffice as proof? I just emailed them back my date of birth. Should I send a copy of driving licence? 
    • Which Court have you received the claim from ? Northampton   MCOL Northampton N1 ? Manual Claim CCMCC (Salford) ? New beta WWW.MONEYCLAIMS.SERVICE.GOV.UK ?   If possible please scan redact and upload a full page copy of page 1 of the claim form.   This has been uploaded in my previous messages in the bundle of documents     Name of the Claimant ? Asset Link Capital (NO5) Limited   How many defendant's  joint or self ? Self   Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to./   14/02/2020   ^^^^^ 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 Not relevant as his claim was set aside, and has now been brought to the court again by the claimant       Particulars of Claim   What is the claim for – the reason they have issued the claim? Please see bundle of documents in previous thread   What is the total value of the claim? £10,734.1    Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred?  Yes - this is one of the grounds for getting it set aside   Did you inform the claimant of your change of address? No Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card   When did you enter into the original agreement before or after April 2007 ?  Apparently 2000   Do you recall how you entered into the agreement...On line /In branch/By post ? I do not recall entering into an agreement with Barclays   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ?  It was, but it is not anymore   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. Assigned to Asset Link   Were you aware the account had been assigned – did you receive a Notice of Assignment? No - although they have provided a copy of the assignment notice in their bundle of docs for the hearing   Did you receive a Default Notice from the original creditor? I don't remember - but again a copy of a letter has been provided (see bundle on previous thread)   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ?  No    Why did you cease payments?  2015   What was the date of your last payment? December 2015   Was there a dispute with the original creditor that remains unresolved?  I wrote to Barclaycard back in 2015 to ask them to send proof of the original agreement but they just sent me a reconstituted document which had no personal deals on relating to me   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? yes - step change took control and set up payments of £1 pm
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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.

      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.

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      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
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Day 1 facing up to my debts


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Debts to hand:

 

HSBC Loan 4,408

Sainsbury Loan 22,271

MBNA 6,453

Overdraft 5,000

Barclays 3,400

 

Never defaulted historic I have now cancelled all DD and moved some funds to a neutral bank account. Overdraft already sent first message of daily fines etc etc.

 

I have been doing my research and had already applied to SC DMP plan.

 

After further reading I intend to delay this for 4 months to allow

 

one a emergency egg to build and

two allow some room for some of these lenders to default.

 

Am in a position where I could be saving 1k a month while not paying fee's

.

Most of the debts are less then 5 years old

I don't think the consumer credit requests will help much.

 

one cc is 2005

I will issue them all with consumer requests in the next day or so.

 

LI will also send a letter over the next few days advising of difficulty, asking for interest to be stopped and to have some speedy defaults.

 

I will outline a 4 month window and that am working with SC in this matter.

Ideally I want to get into a position where they all default to stop this AR stuff I have heard of stretching this out for 13 years.

 

Hope to freeze this interest off fairly quickly I will also put in my not to make this journey by mail no phone calls thanks you etc.

 

All my debts are unsecured, I live with my partner whom mortgages this house.

We are not financially linked.

Trying to get in a position where these debts go to the debt collectors for F & F down the road.

 

Thanks for hearing rambles

I think I have come up with the best option atm.

 

I reviewed IVA or bankruptcy but felt this route could be the best one if all lenders can default within 6 months so this isnt stretched out more then 6 yearrs

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It is not normally advised to send an original creditor a CCA request, because they are more likely to produce it, than a debt collection agency in a few years time.

 

With that amount of debt, if you own no assets and bankruptcy would not affect you e.g employment, then i think you should have a chat with someone who is qualified. I am sure you can arrange this local to you. Stepchange might be able to put you in touch with someone to talk about it.

 

A DMP would just extend the debt hassle over a very long time, making you feel unable to move on. Remember your personal

circumstances might change and having these debts hanging around might just make it very complicated. Many people go onto these DMP's and at some point stop paying. They then risk court claims or bankruptcy much later on, when the debts could have been dealt with earlier.

We could do with some help from you.

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Doing good

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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Looking to use the library templates for the

ASK YOUR CREDITOR FOR A COPY OF YOUR CREDIT AGREEMENT UNDER THE CONSUMER CREDIT ACT and also will modify REQUEST TO MAKE £1 TOKEN PATMENTS FOR X MONTHS.

 

 

Will modify the last template to advise of a 4 month break, plans to DMP with SC already in talks and request for interest to be frozen and timely defaults

 

Due too a self managed pension pot I wish to keep bankruptcy or IVA as a last resort odds are it would be an IVA as this stops any issues in that area.

a DMP and IVA would both last 6 years.

 

The budget i did with SC was looking about 6.5 years to clear the debts.

As the DMP is not a binding legal process the budget put forward would allow me to save 500-1k each month to try and position myself for F & F matters.

 

If the world would play nice, lenders default and move the debts onto DC am hoping I can knock off 50% on average which would beat the 6.5 years estimated to get out of this pickle jar

 

Noted re the consumer credit letters I will hold them back for sold on debts then

 

Well battle starts, ty for the letter templates hacked together letter advising DMP to start in December please stop interest contact only by phone etc etc.

 

Will send that out today. I spoke too SC advised of the late starting time of the DMP they would of preferred now but said call them in November and that should be ok.

 

DMP set for December, 4 lenders advised no more payments dmp to start in december please stop interest. Objective is low DMP payment squirrel away saving to one day FF them on dc acquirement.

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no harm in firing a CCA request off to all bar the OD debt.

 

 

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

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