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    • hsbc don't need their own data back. but yes send them a copy of the FOS CQ.   you are quite entitled to send the FOS a covering letter.
    • hi Laya and welcome to CAG   They are just trying their luck and you should ignore these demands with no reply at all.   Don't call or email or respond in any way - when they realise you're not taking their threats seriously, they'll move on to weaker prey.   There will be no court proceedings at all so don't worry about this. They have no grounds for court action and that's not how they operate.   😎
    • Ha ha, it was 5 numbers on one account. I was paying for my wife and kids. Became ill couldn't pay, tried to negotiate and the rest is history. Anyway we will see what happens next. Hopefully nothing.    Thanks so much for the advice and patience. Very much appreciated.    Regards   Jason
    • Hey everyone,    Back in 2015, I had issues with CrS/Harlands after cancelling my gym membership and my ex-partner’s membership. I made them the following offer (in writing) which they ignored: ‘ We now realise that we should have paid one further month's fee for the notice period and are willing to offer you £9.99 per person now (totaling £19.98). If you confirm in writing within 14 days that you'll accept £19.98 in full, you will be paid promptly. However, we will not pay any admin or cancellation fees as these are unlawful ’    They then passed my details to Zinc, who passed them back once I showed them the full version of the above letter ( this occurred on the 3rd November 2015).  I told them to only correspond with me via letter and got on with my life.    Fast fotward almost 4 years. I’ve moved adress and changed partner and I recieve this in my inbox with the subject: ‘ Please let us help you ( with my new address on it although I’ve not recieved a physical copy).    “ Your membership with Xercise4Less remains in arrears.  In a final attempt to resolve this matter we would like to offer you the opportunity to free yourself from this debt.   We will apply a discount to your balance as shown below. The earlier the payment the more of a saving you make.  AND the agreed amount can be spread over a 90-day period: 19th - 23rd August 2019  50% 27th -30th August 2019  40% 2nd - 6th September 2019  30% 9th - 13th September 2019  20%   OR If you are unable to settle the balance in one go with the above offer then we will help you pay off this account.  For example; for every £10.00 payment you pay we will apply a £2.00 reduction to your balance, for every £20.00 payment we will apply a £4.00 reduction and so on.”    What should I do? My inclination is that they would have started preceedings if they could however I have Generalised anxiety disorder and this has effected my mental health.    Many thanks for any help 
    • I am a University Student looking to rent accommodation along with three other Students We found a four bedroomed flat and called the Letting Agent to say we were very interested We had a viewing and raised some questions We wanted to check if there was a break clause in the Lease The Letting Agent said we would need to pay a Holding Deposit whilst he waited for the Landlady to return from Holiday So we paid £750 split between the four of us to the Letting Agent We then received an email to say the Holding Deposit was non refundable References were then checked and the tenancy Agreement arrived which needed to be signed by each guarantor and tenant and send back the full signed agreement At this point we got to see the Tenancy Agreement for the first time and the break clause of 6 months was nowhere to be seen so this made us very nervous and we decided to pull out as we felt we didn’t want the risk of not being allowed to leave the property until a full year was up We emailed the Letting Agent who replied with the following: The holding deposit is not refundable as you are withdrawing from this deal. I will need a confirmation from Everyone that they are withdrawing and we will put the property back on the market.   The move in date is on the 4th Sept and the landlady is left with a very short time to find another tenant.    This will incur a lot of extra cost from both us as an agency and the landlady which we will try to recover. So, my question is are we eligible to get a refund of our Holding Deposit – bearing in mind we were not told we wouldn’t get it back until after we had paid it?
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swt61

lantern/moriarty claimform - old QQ debt.

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time to do the other part of CAG now and that's self help.

 

click the very top left CAG squares logo

then doen on the left

you'll see

 

custom google search box.

 

type in there

 

PDL Claimform.

 

and read as many threads as you can the more you read the stronger we become.

if you wish

limit your search and add in in Moriarty

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Good morning request sent off yesterday to moriarty law  but today got this load of tosh 

Combine Jul 17, 2019.pdf

 

Anyone any advice of any of the stuff they’ve sent ? Still no cca or default notice only the stuff above which looks like a hash to put together some stuff

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its all stuff from their system and on their letterhead

not from the OC so who knows if its truthful

I thought you'd guessed that by your comment which is why I didn't.

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Yes mate I thought it looked just stuff thrown together nothing looked right to me especially the deed of assignment unless I’m wrong 

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there is no deed there and you'd never see that anyway. confidential business data

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PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

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The CAG Interest Tutorial Read Here

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Thanks I’ll try and word the stuff in that they sent me when I do my defence on the weekend 

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plenty of examples here of the holding/no paperwork defence

just add in a line stating what reply you have had in no from the original creditor or something.

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PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

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Good morning all just had an email off moriarty law regarding the so called cca that they sent me and the entry on my credit file which is obviously wrong as I’ve uploaded that info here previously. They obviously assume they’ve sent me a cca for QQ which they have not to date. 

 

 

IMG_2089.pdf

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you should not be using email!!

else they'll file important stuff 1min before its due not giving you time to respond.

have you not been reading other threads?

 

send them one email state that your email address should NOT be used to file any documents or communication in relation to the court claim xxxx and they will now be blocked  by you


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Ok email just sent

 

 

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good afternoon all, the day has come for me to compile my defence for the court, considering all the previous documents i have uploaded and also the documentation so far received from the dca and moriarty is the defence attached ok ?

 

i could not find a way to insert somewhere that they have not supplied a correct cca after my request  

 

thanks

 

1.The defendant owes the claimant £336.08 under a regulated loan agreement with casheuronet LLC T/A Quick Quid dated 15/4/2013
2.And which was assigned to the claimant on 04/01/2019 and notice of which was given on the 04/01/19 (debt).
3.Despite formal demand for payment of the debt the defendant has failed to pay and the claimant claims £336.08
Defence


1. The Defendant contends that the Particulars of Claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.

 

The Claimant has not complied with paragraph 3 of the PAPDC (Pre Action Protocol) Failed to serve a letter of claim pre claim pursuant to PAPDC changes of the 1st October 2017.It is respectfully requested that the court take this into consideration pursuant to 7.1 PAPDC.


2. Paragraph 1 is denied .The Claimant claims £336.08 is owed under a regulated loan agreement with Casheuronet LLC T/A Quick Quid on 15/4/2013. I do not recall the precise details or agreement and have sought verification from the claimant and the claimants solicitor by way of a CPR 31.14 and section 77 request who are yet to fully comply.


3. Paragraph 2 is denied The Claimants statement regarding the Assignment of the debt is denied. I am unaware of any legal assignment or Notice of Assignment allegedly served on 04/01/19 from either the Claimant or Casheuronet LLC T/A Quick Quid.

 

4. Paragraph 3 is denied.


5. It is therefore denied with regards to the Defendant owing any monies to the Claimant and the Claimant is put to strict proof to:


(a) show how the Defendant has entered into an agreement; and
(b) show and evidence any cause of action and service of a Default Notice
(c) show how the Defendant has reached the amount claimed for; and
(d) show how the Claimant has the legal right, either under statute or equity to issue a claim;


6. On receipt of this claim I requested by way of a CPR 31.14 request and a section 77 request, copies of the documents referred to within the Claimant's Particulars of Claim to establish what the claim is for. To date the Claimant's solicitors, Moriarty Law, have failed to fully comply with this request.


7. As per Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.


8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82 A of the consumer credit Act 1974.


9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.

 

 

hi sorry anyone around this afternoon ?

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not due till tuesday by 4pm

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Hi I know mate but im back in work tomorrow and am away from my pc so only able to do today or by 12 tomorrow

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look ok but let andyorch check it.

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PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Yes thats fine.......did you receive a Final Demand .....point 3 of the POC ?


We could do with some help from you.

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Hi Andy, not sure if I did to be perfectly honest, should I put in a line somewhere that Ive received incorrect cca or just leave that ?

 

my cca request direct to original lender also has not been aknowledged to date

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Then deny point 3 also...you can add about the incorrect agreement at point 5.


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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Hang perhaps not......your giving them notice and time to correct....save it for your witness statement...should it proceed that far.


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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ok so just file my Defence exactly as I have posted for now ?

 

will filing it on mcol before the tuesday deadline give them too  much leeway or it wont matter even if I file it tonight ?

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Ok thanks mate really appreciate everyone’s help again especially on a Sunday 👍 .

 

I will obviously keep everyone updated on the progress or lack of it.

Once this is sorted I got a lot in my life I need to put away too before I lose the will 😩.

 

sorry what do i put in to deny point 3 ? 

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you just did

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PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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ok sorry lol

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did you get a PAP letter of claim from moriarty before the claimform and ignored it?

 

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PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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