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    • Mitigation is used as a plea for leniency, how can you mitigate something you have not done wrong?  I wouldn't use it as a term in a WS as it might give the judge ideas that you are admitting to something.
    • Thanks, @FTMDave for your feedback, I will take your points on board. I was using the title "Mitigation" in an attempt to convey how reasonably I have behaved, and how stubborn and overzealous (i.e. unreasonable) the claimant and their solicitors are. Any suggestions for a more appropriate title ? Cheers --skeet23
    • Hi guys   4 old debts (catalogues) have been sold to Lowells, I requested copies of credit agreements and received them this week.  I also received a notice of assignment from them for an old Vanquis account.  I need to pay these debts off but don't want them touching my bank account so was thinking of setting up a standing order.  I guess I will have to send them details of income and expenditure.  My question is, do I need to give my husband's details?  We are not really getting on at the minute and this will be the last straw for him so I would rather just leave him out of this.   Many thanks for reading x
    • I am unable to get credit of any description, apart from a payday loan with expensive Provident.   I have 3 accounts, 2 with Capital One, the other with Vanquish.   These 3 do show late repayments, but Capital One is showing partically settled in September 2018 and Vanquis settled in full in December 2016.   The main issue I had is with NewDay Ltd.   I notified NewDay that my disability living allowance was stopped after I had my review when I went to transfer over to PIP.   NewDay were sympathetic, and agreed to place my account on hold, freezing interest and payments etc etc.   On the 4th May 2018, I received a letter from NewDay; theyagreed that due to my financial issues, they would no longer chase me for payment.   Soon after, a default was issued with with credit reference agencies that the account default with a default date of 12th June 108.   Why then agree to not chase me for payment then issue me with a default seems to me to be grossly unfair!?   I did a Notice of Correction on my credit file to show lenders that my account was on hold, and they agreed not to chase me for payment.   Can anyone please give me some advice?   I have a good income of £1100 a month in benefits income, and I state on applications I am retired.   I am initially accepted for credit, but they then go to the CRA's, I am then declined.   Its frustrating I can only get a loan with Provident.
    • Sorry, I don't think I explain my case correctly. I'm the guarantor for a friend that rented a shop. My friend couldn't make rent repayment and the landlord terminated her contract. Now the landlord (claimants) has taken out the claim against me as I was the guarantor and is responsible for my friend's debt. When I first  became the guarantor, I signed an agreement with the claimants. ( 1st agreement) A year later I had a meeting with the landlord to discuss my debt situation and told them I was struggling to make repayment. They agreed to give me a debt deduction and other terms, so a new agreement was drawn up (agreement 2). to replace the 1st agreement.   In 2016 I received a warning letter for late repayment. No further warning letter or contact has been made by the claimant since 2016 so I was shocked when I received the money claim.  Claimants have only attached the 1st agreement with their claim form and they denied there was a 2nd agreement. Now they have submitted their final witness statement and attached the 1st and 2nd agreement. Proving the 2nd agreement does exist.   My question is; 1. How important is it that no letter before action was sent before I received the money claim? 2. Now there's proof of a 2nd agreement which was signed and dated after the 1st agreement. Does it prove that the 1st agreement is invalid? 3. Would the court dismiss this claim if they believe the claimants have submitted an invalid agreement for their money claim?    Thank you. 
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StudentCat

STA International acting on University behalf for Lost iPad

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Hello,

 

While I was at university, we were all given iPads on loan in our last year and I made the mistake of leaving mine in a classroom one day.

 

I informed the university as soon as I realised and was pretty much told by at the time not to worry as they could likely locate it.

 

Of course, it never turned up, or at least was not logged on their system to have done, and they started emailing me after my graduation (June 2016) asking me to return or pay for it.

 

I informed them I didn’t have it to return and could not afford to pay them the sum of £500 for it. I ignored their invoices and eventually they passed it on to STA International to pursue from me.

 

I am still receiving letters from STA every few months, big red capital letters telling me I have however long to pay before they escalate it.

 

I just would like to know, are these safe to ignore?

 

Of course all manner of things such as CCJ’s and whatnot has been threatened, but I’m not sure whether these are empty threats or whether they really have the power to do anything.

 

It doesn’t seem to have escalated past the ‘URGENT’ letter stage for quite some time, and their most recent letter (received today) gives me 5 days to pay apparently.

 

Yes, I did fail to take care of the iPad. But, I am also of the opinion that for the £9k a year I spent at that institution, I don’t deserve to be pursued like this. For that money I’d expect to be gifted an iPad, not bombarded with threatening debt collection letters. I am simply loathe to give them another penny of my money.

 

If anyone has any insight to STA and whether this is likely to go any further please let me know!

Edited by StudentCat

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It is unlikely to be followed up – but you need to make sure that they are updated with your latest address so that in the event that they decide to start some proceedings – you will know about it and you can deal with it.

 

One of the big problems is where people move, don't update their addresses and then they find that their credit file has been wrecked by County Court judgements which they didn't know about.

 

When the iPad was given to you, was it new? How long did you have it? They are trying to claim the new value of it but actually they would only be entitled to recover a replacement value of an item of similar quality and age.


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Simply inform the uni of your correct address

Ignore the powerless fca

They are not bailiffs

And have ZERO LEGAL powers

 

Moved to the student forum

 

Dx


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