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flyingblind31

Received a PAP from Moriarty Law

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Good morning all,

I have received a PAP from Moriarty Law.

 

I have been approached by IDRWW and CWD in the past, but they all went quiet once I sent them a budget summary as per the guidance of the national debt helpline. .

 

After reading though this forum, I now realise that this may have been a mistake.

After receiving the PAP from ML, with little understanding, I also sent them a budget summary, but now I realise that this isn't the correct way to handle them.

 

What shall I do now going forward?

Should a reply using the guidance supplied by @dx100uk

 

Any help would be much appreciated, as this is now creating a lot of stress and anxiety.

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What type of debt e.g. credit card, mortgage, current account overdraft ?

 

When did you last make any repayments approx. ?

 

Did you acknowledge owing the debt in any written communications to IDRWW/CWD or ML ?

 

 

 


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Hi @unclebulgaria67

 

Thank you for the response.

 

It is a combination of a loans and credit cards and a payment hasn't been made since March 2015.

 

To the best of my recollection, I have never formally acknowledged the debt, especially not the outrageous interest, in a written form but I have spoken to them over the phone in the past.

 

I now know that this isn't ideal, but even on the phone, I dont actually remember acknowledging the debt.

 

Up till now, I have always followed the guidance of the national debt helpline and other debt help companies, one of which, told me to go into an IVA.

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god some of these debt advice charities need shooting...

 

when did you get this PAP LOC

and you replied to it with their reply form or by any other letter?


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

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I received the PAP few weeks ago but our most recent correspondence was yesterday via email and telephone (before seeing your forum). After reviewing my budget summary, they wanted a list of my assets (I only have my house, which is under mortgage) and 3 months bank statements. I told them that I wanted to go and seek guidance before committing anything else. They said fine and that the 30 days would restart then. (yesterday - 10th Oct)

 

I haven't sent anything back in regards to the original PAP. 

Edited by flyingblind31

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Then imho follow our guide as post 5 there


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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Thank you for your advice, it is very much appreciated. I will keep you posted on any developments. 

Edited by flyingblind31

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Sorry if this is a really stupid question.

 

Do I need to add this statement to section I as well?

"Any and All other statutes of law, be them UK or otherwise, that the claimant intends to rely upon should they wish to  proceed and issue a uk Court Claim"

 

Thank you in advance..

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post 5

 


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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Thank you. I have followed your guidance and prepared my response. What I meant was, does this statement need to be added onto the reply.

 

"Any and All other statutes of law, be them UK or otherwise, that the claimant intends to rely upon should they wish to  proceed and issue a uk Court Claim"

 

Sorry for being a pain, I'm just not clued up at all in such matters.

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its in out pap reply for these debts


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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