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    • Make sure the WS is sent 14 days before the hearing. You can e-mail the court theirs.  In the subject line put the case number, the names of the parties and "Witness Statement".  Obviously click on "Return Receipt". Send Simple Simon his by 2nd class post - all VCS are worth - and get a free Certificate of Posting from the post office.
    • The outlet is in Camden Town and was set up in 2006, a year after my husband established the business, in addition to selling at exhibitions, online, shows, events, and having licensing agreements in some places overseas.  The only thing I have stopped doing since I got ill is the physical stuff, which I’m working on. The business has not changed name or anything like that either. I’m not sure where the original contract with Camden is but the management must still have it. My husband died in Jan 2017, and until Sept 2018, I would take the stock in every week; after that I was sending it in by post. I went in now and then when possible to re-do the display but that was about it. No one had access to any files until 2020. Moved house in 2020 thought would have to pull it all, Covid had just hit as well. The person in question said he would be interested in taking over and paying the rent etc. so I said I would let him sell the pictures for nothing as long as he would ‘keep it warm’ for me.  Obviously, everywhere was closed for lockdown. During this time I was working out how to go forward.  In May 2022 I told him I couldn’t  give anything away for free anymore, and put in place the wholesale agreement.  I’ve disregarded any discrepancies from before this date. I sent over the jpgs electronically, so I’ve still got them too. He hasn’t got any original files like .psds negatives or memory cards etc, I’ve got proof of all ownership/copyright. A co-op is whereby a small number of neighbours work on a rotational basis so they each of them can have time off, that way everyone doesn’t need to be there at the same time, he had never been an employee of mine.  The only reason I allowed him to have the files in the first place as I didn’t want to lose that side of the business.  It’s a good, constant source of income. However, the rent was becoming crippling as I believed there was something fishy going on well before this as there’s so much cash dealt with there, and I couldn’t go in regularly in person, and I’m sure sales weren’t being recorded properly and cash was being pocketed. My husband was too busy to be doing any stock control properly, he wasn't really into paperwork, and the guy who was ‘helping’ me after my husband's death, was making things very difficult for me to implement a solid stock control system by refusing to co-operate on simple things like using email etc. which I thought was a smokescreen, so I severed ties with him just before I made the agreement in question. I sent about 100 images, jpg files, sent via We Transfer. I’ve got the confirmation of which files were sent with dates. I will have to go through closed bank accounts and previous tax returns to get a proper estimate.   Before I made this agreement, I was selling retail there, this is a wholesale agreement so I’ll have to do some calculations but it is definitely in the thousands.  I haven’t got his his home address, and I don't think he's got any sizeable assets. I’m also worried that he might send the files overseas and start selling them there. I know he’s not stupid enough to sell them online. He knows for sure how serious this is, but he’s been chancing it and thinks I’m stupid, if not soft and stupid. I don’t know if this would work but I am thinking that when he does contact me, I tell him we need to talk, tell him I know what he’s been up to, and strongly urge him not to order any more prints from wherever he is having them printed because it will make things much worse for him if he does. Then when I do tell him about the gravity of the situation, maybe a few days later, I think it will scare him into complying because the consequences definitely trump the few quid he thinks he is saving by getting his own printing done. Tell him an amount that I want back for lost revenue, and make it clear that if he doesn’t destroy the files and if I find out he is still doing it at any point down the line, I will seek prosecution for copyright infringement and fraud, which I will. I don’t know how I can enforce any of this without involving the courts though. I will be able to tell, though, and he will know this. And the only reason I am doing this now rather than before, is that I couldn’t prove anything until now.  It was screamingly obvious from the beginning though, as he wasn’t ordering enough from me to pay the rent, let alone make a profit. If I decided to come down like him lie a ton of bricks straight away, how would I go about a cease and desist, would I have to get one from the court? And what do I do about the stock he currently holds? It has also occurred to me that he might file for bankruptcy or similar if things get heavy, where would that leave me? I could put the feelers out for a brand-new person to take it on, obviously without giving them access to files, that is an option. But that comes with its own set of issues. Also, would there be any implications for me, if I kept quiet for now? Let him order again from me as if nothing has happened, as it will be any day and I want to get all my ducks in a row first ideally….   Thanks again
    • I’ve also just realised their online website they’ve got 12 photographs of my vehicle, including close ups of the inside?? Not sure why that’s relevant.  The time stamp on the first photo is 13:57, the PCN incident time is 14:12. 
    • I’m tempted to send a letter to the company outlining the reasons why I think their PCN is illegitimate. I guess will technically be an appeal.  Their documentation states they won’t discuss over phone, I also don’t want them to have my email address.    re signage on entrance, having looked at land registry, the whole road is private, and when you turn into the road off the highway, there is a sign on the lamppost about 20m in, again not noticeable and on the other side of the road.  I feel like I am in a difficult position with this, I understand that I may have a good chance of not having to pay, but at the same token the stress this is already causing me makes me feel like it’s not worth the £60!
    • Well done with the photo. Of course the signage is insufficient.  PPM are not interested in competent management of a car park, they are interested in catching drivers out so they can issue their PCNs. For a start, according to their trade associations' Codes of Practice, they are supposed to have signage at the entrance. Any e-mail reply from the company and whether they will/won't/can/can't get the invoice cancelled?    
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      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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If I comment as per #304, "wetcloths don't buy debts they only chase. you've met them before" I can't put that lol.

 

Can Idem revoke a default notice considering they aren't allowed to action them, but do any way. I want to avoid losing those default marker?

 

I can't find much about Westcot - they can't be very big then??

- BlondieGirl

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I forgot your numbers are diff

this post

 

don't worry about them ringing - ignore

the DF's are invalid we know that but at least they have done it

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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dunno

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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Don't worry, they can only report the true position of the account 

There is no longer any arrangement 

The purpose of the PAP is to resolve, or narrow disputes prior to,

or to avoid Court procedures, so the invalid default needs to be introduced at this stage

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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  • 2 weeks later...

Hello. I've had a reply from Idem. My husband has had exactly the same letter.

 

The letter advised that they issued the DF notice themselves, and not MBNA. A copy of which has been enclosed. They are asking that we contact them within 14 days to confirm our ongoing intentions towards the accounts. Failure to do so, will result in litigation being taken.

 

They have enclosed DF notices sent in Nov 2018. 

 

Do I just ignore this?? It doesn't answer all of the points noted in my PAP. Obviously, I don't want them taking us to court.

 

In the meantime, Westcot has written to me again (another "penalty notice") to let me know that they've checked the electoral roll to make sure I actually live at my address........they're calling me daily too.

 

Thank you.

 

 

- BlondieGirl

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it does not say WILL result in litigation does it?

 

as for wetcoths no such thing as a penalty notice..stop making things up,

 

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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  • 3 weeks later...

We've now both received the same letters from Idem.

 

They have written to say:

 

"Thank you for returning the reply form that we recently sent to you for completion, but we need to speak to you about it in more detail before we can set up an ongoing payment arrangement. 

 

Please contact us on 0800xx within 14 days of this letter to enable us to discuss further and establish a payment arrangement. If we do not hear from you within this time, we will commence Litigation action".

 

They haven't responded to the PAP correctly and now say that the WILL commence litigation action which I clearly don't want. Westcot has stopped bothering me though.

 

 

 

 

- BlondieGirl

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let them run

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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  • 2 months later...

please help!

i have just thrown up at the stress of this and i don't know what to do.

i cannot carry on with this.

 

they have sent my husband a ccj. a claim form from the county court business centre in northants arrived this morning.

i am now waiting for one to arrive for me.

 

from what i can see, we have 2 weeks to settle in full (we can't) or we're absolutely up the creek and this is precisely what i have never, ever wanted to happen.

 

2 weeks!!!! where do we find thousands of pounds from in 2 weeks??

 

after all the "just ignore them, they have no legs to stand on, they can't enforce debts" etc etc etc comments on here,

 

i followed the advice on here,

getting mocked along the way,

and simply stopped payments.

 

we are absolutely stuffed and i can't cope with this.

 

what the hell do i do?

 

 

 

- BlondieGirl

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You need to calm down for starters ..you dont have 2 weeks to pay the claim.....you have 33 days to deal with the claim and defend it.

 

Thread moved to Financial Legal Issues forum.....please continue to post here to your thread.

 

Andy

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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Thread title amended, please read the following link and then copy and paste the Qs and your responses back here for further advice on the process.

 

  

 

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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OK, I will start to answer the questions but I think I am way out of my depth here and I was hoping this would be a lot easier and didn't expect a CCJ. Does this mean that a CCJ is now against my husband's name? 

 

1 question: we did complete PAP forms for all accounts which we completed and sent back - does this answer 'yes' to: 

Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ?

 

 

- BlondieGirl

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Hes not got one yet......and yes you have received a PAP

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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Thanks. I will post once I've found the information out - I'm not entirely sure on all of the answers.

 

Is there any point in contacting idem and offering to pay instalments if this will cancel any potential CCJ?? Advice on the 'you have received a claim.....' thread suggests contacting the claimant. 

- BlondieGirl

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They have issued the claim now and paid the relevant fee so I doubt they will withdraw the claim...but its your call..defending a claim is not for everyone...but I say this without any knowledge of the debt as I have not read your thread.

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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I am not scared of defending a claim, but this is not my expertise and I am not clear on my rights and the law and even though I'm pretty clever academically, this is not something I find easy to follow.

 

I have read everyone's advice on here over the years  and finally decided to stop paying in May last year. I was too scared to up until then, but once I finally stopped payments, people's response on here was largely "well done - finally". And now look - CCJ!

 

To cut a long story short.....credit card debt from cards taken out in 2000 or so moved on to a Stepchange payment plan. I worked out that we'd have AP/AR markers until retirement which we can't have and I believe to be unfair - it's crippling us and putting our lives on hold. We complained to the FOS who agreed with us that MBNA should show the a/c on our credit file as clear and paid up to date and remove markers. But, Idem wouldn't budge on the AP/AR markers. So we were stuck with a AP/AR markers - until the DF was issued following non-payment as per the advice on here.

 

The advice was to pretty much ignore Idem, DCAs and all letters (except the PAP which was sent back). And now this. This isn't a sob story, but I have a serious heart condition and I'm not sure how much more stress I can take! I have said all along that we absolutely do not want CCJs!!  And now we have one - or quite possibly will. I desperately don't want one against our names, and I know my husband will go nuts. So we try and defend and risk losing, or take out some dodgy secured loan against the house to pay it off!

 

I just don't know what to do.

 

- BlondieGirl

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Name of the Claimant ? IDEM

 

Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 3RD SEPTEMBER 2019

 

 

Particulars of Claim

 

What is the claim for – the reason they have issued the claim? Please type out their particulars of claim in full (verbatim) less any identifiable data and round the amounts up/down.

1.     A credit card agreement made between MNBA Europe Bank Limited and the cardholder (D)

2.     Claimant ( C ) purchased the balance on the account on 06/10/2016

3.     D accrued balance £ 2947

4.     D defaulted on payments

5.     C issued Formal Demand requesting payment dated 23.08.19

6.     Amount now due from D £ 2947

 

What is the total value of the claim? £3132

 

Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? YES, I COMPLETED A PAP FORM AND RETURNED IT

 

Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? NO

 

Did you inform the claimant of your change of address? N/A


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 ? BEFORE – JULY 2000

 

Do you recall how you entered into the agreement...On line /In branch/By post ? BY POST

 

Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? YES

 

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. BY THE DEBT PURCHASER IDEM

 

Were you aware the account had been assigned – did you receive a Notice of Assignment? UNSURE

 

Did you receive a Default Notice from the original creditor? IS THIS MBNA? THEN NO

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? UNSURE

 

Why did you cease payments? ADVICE ON HERE

 

What was the date of your last payment? 10TH MAY 2018

 

Was there a dispute with the original creditor that remains unresolved? NO

 

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? YES. I WAS ON A PLAN FOR SEVERAL YEARS WITH MBNA UNTIL FACING FURTHER HARDSHIP WHEN PAYMENTS WERE REDUCED AT MY DOING. MBNA PASSED THE DEBT ON AROUND THIS TIME AND WHEN SPOKEN TO, IDEM REFUSED TO ACCEPT THE REDUCED PAYMENTS

 

 

- BlondieGirl

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Hello there. 

If you get chance please try and read through the thread links I posted on POST 327, myself and the other cagger yodabug were also in a similar position to yourself in dealing with idem. If you follow the advice given here and follow timelines, you will also have all the information required to counter any claim idem will be making.

 

please try and remain calm and try not to stress your self out, people on here are here to help and give advice. 

 

 

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can we stop the attitude please...

 

this claim is going no where as the original creditor has not and did not default the debt

pretty much whats been said throughout all these 327 odd posts

 

not having or being able to produce a copy of the default notice from the original creditor under section 87 will be fatal to idems claim.

they as a debt buyer cannot default it.

 

……………………...

 

pop up on the MCOL website detailed on the claimform.
.
 register as an individual
 note the long gateway number given
 then log in
.
 select respond to a claim and select the start AOS box.
.
 then using the details required from the claimform
.
 defend all
 leave jurisdiction unticked
 you DO NOT file a defence at this time
 click thru to the end
 confirm and exit MCOL.
.
.
 get a CCA Request running to the claimant
https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/
 leave the £1PO blank and uncrossed
.
.
 get a CPR 31:14 request running to the solicitors [if one is not listed send to the claimant]
.
.

https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/
.
.
type your name ONLY

no need to sign anything
.
you DO NOT await the return of paperwork.
you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]
 

 

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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So dx100uk, you're saying that because MBNA didn't ever DF us (Idem did) legally a judge can't enforce a CCJ?

Surely Idem know this??

And even though we decided to stop payments towards our own debt making this our own fault a judge would agree to 'cancel' this CCJ?

 

A couple of years ago, when we were trying to get AP/AR markers removed, the FOS agreed with us that MBNA should have reported our account as being up-to-date etc? We have clearly DF because we've not paid for a while now. But, we technically DF'd when we reduced the payments further following the initial agreement through CCCS/Stepchange.

 

According to the FOS, a credit agreement can be re-structured only once.

So, when we got into difficulties, MBNA agreed that we could pay £x a month until the debt was cleared

- this was agreed and this is why the FOS said that it should be reported as up to date.

 

However, we had to reduce these payments further at some point so wouldn't this have been defaulting on the agreement?

I'm not sure exactly who 'owned' the debt when we reduced the payments again but I know Idem said they didn't agree with it as it wasn't what was agreed, but that they'd accept lower payment and report as AR/AP.

 

I have CCA'd Idem and MBNA on this account and there is a signed agreement, but no 'original' t&c's sent

- only a print out of what would have been in place at the time.

 

Hope this makes sense.

 

 

21 hours ago, Tbirdo said:

Hello there. 

If you get chance please try and read through the thread links I posted on POST 327, myself and the other cagger yodabug were also in a similar position to yourself in dealing with idem. If you follow the advice given here and follow timelines, you will also have all the information required to counter any claim idem will be making.

 

please try and remain calm and try not to stress your self out, people on here are here to help and give advice. 

 

 

 

thanks for the message.

it's good to know that justice prevails, but we did received a DF notice (one of the threads you mentioned not getting one) and we have a clear application form (albeit without t&c's - just the completed name, address and some blurb agreeing to whatever the t&c's were). So I'm not sure this will be the same.

- BlondieGirl

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you haven't got a CCJ for any judge to enforce

you have a claimform trying to attain one

from one of the biggest fleecers in the book.

 

get post 344 done.

 

there is no default notice in existence from the original creditor so the claim will fail under section 87, amongst everything else that's wrong with documents etc.

 

idem have purely issued this because you blindly paid for numerous years,

having been told to stop too many times to even count since in 2012 here.

 

they hope, as you did when you got the claim, you'd run around like a headless chicken and wet yourself, then do something equally stupid like admit and ring and offer immediate payment...

 

we'll you are not, you have CAG , but you must now follow the advice given, and DO IT. 

else things will go belly up.

 

so POST 344..now! AOS CCA CPR

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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Name of the Claimant ? IDEM

 

Date of issue – 3RD SEPTEMBER 2019

 

Particulars of Claim

What is the claim for – 

 

1.     A credit card agreement made between MNBA Europe Bank Limited and the cardholder (D)

 

2.     Claimant ( C ) purchased the balance on the account on 06/10/2016

 

3.     D accrued balance £ 2947

 

4.     D defaulted on payments

 

5.     C issued Formal Demand requesting payment dated 23.08.19

 

6.     Amount now due from D £ 2947

 

What is the total value of the claim? £3132

 

Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? YES, I COMPLETED A PAP FORM AND RETURNED IT

 

Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? NO

Did you inform the claimant of your change of address? N/A

 

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 ? BEFORE – JULY 2000

 

Do you recall how you entered into the agreement...On line /In branch/By post ? BY POST

 

Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? YES

 

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. BY THE DEBT PURCHASER IDEM

 

Were you aware the account had been assigned – did you receive a Notice of Assignment? UNSURE

 

Did you receive a Default Notice from the original creditor? IS THIS MBNA? THEN NO

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? UNSURE

 

Why did you cease payments? ADVICE ON HERE

 

What was the date of your last payment? 10TH MAY 2018

 

Was there a dispute with the original creditor that remains unresolved? NO

 

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? YES. I WAS ON A PLAN FOR SEVERAL YEARS WITH MBNA UNTIL FACING FURTHER HARDSHIP WHEN PAYMENTS WERE REDUCED AT MY DOING. MBNA PASSED THE DEBT ON AROUND THIS TIME AND WHEN SPOKEN TO, IDEM REFUSED TO ACCEPT THE REDUCED PAYMENTS

 

Thanks :)

Sorry, do you mean follow the instructions on post #338? I can't find #344. I will do this as advised.

 

1. Do I send a new CCA letter to Idem? I have done it previously and the signed July 2000 application form was sent back.

 

2. With the CPR31.14, I do have the DF notice and a statement from Idem. They may well have sent a notice of assignment some years ago, but I don't know that. Do I still request all of these despite having  some of them? Isn't the signed application the agreement? Obviously there's no DF notice from MBNA because I technically didn't DF with them and it was reported as being up-to-date without AP/AR markers on my credit file.

 

3. With the CPR31.14, with the following:

 

"[Prior to the issue of proceedings I had delivered a request for the production of the agreement mentioned in the Claim Form and on which you rely. That request was ignored][delete if no such request was delivered]"

 

Do I leave that in? I have returned a PAP in which I stated that the information was incomplete and I have previously CCA'd them. They sent the signed application form back, along with a page of t&c's which they say were in place at the time (July 2000).

 

 

- BlondieGirl

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just follow this:

 

 

pop up on the MCOL website detailed on the claimform.
.
 register as an individual
 note the long gateway number given
 then log in
.
 select respond to a claim and select the start AOS box.
.
 then using the details required from the claimform
.
 defend all
 leave jurisdiction unticked
 you DO NOT file a defence at this time
 click thru to the end
 confirm and exit MCOL.
.
.
 get a CCA Request running to the claimant
https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/
 leave the £1PO blank and uncrossed
.
.
 get a CPR 31:14 request running to the solicitors [if one is not listed send to the claimant]
.
.

https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/
.
.
type your name ONLY

no need to sign anything
.
you DO NOT await the return of paperwork.
you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]

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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