Just a quick question, you get 14 days from date of service to acknowledge, you then get an extra 14 days to submit a defence. Do the 14 days to submit a defence start from when you acknowledge or is it just always by 33 days from date of issue of the claim?
Have a read of page 6......
The rates of deduction
So I have gone through the two CCA documents, scanned them, transferred them into PDF's but am still unable to attach them as they are too big.
So I have to give up on attaching the docs. One is 6.73 MB, one is 5.86 MB and the other is 24.3 MB. I am not technically minded and find it frustrating that I cannot attach them given the fact it's taken me hours to try to undertake this task, neither do I know how to reduce them, also I don't really have much spare time to get my head around tech issues.
Anyway, my elderly friend is getting more and more upset due to the high pressure of harassment he is experiencing from the two creditors in the way of tree loads of letters and daily phone calls - the calls are blocked, but I looked at his phone and one day he had 22 phone calls.
He does have mental health issues and is due to see his Mental Health provider next month. B/Card have sent him a form and asked him to ask his psychiatrist if he will complete it. I've had a look at this form 'Debt and Mental Health Evidence Form' and if he can get it completed it can be copied and sent to all creditors along with an I/E form, then B/Card have said they will decide what direction they will take. The Evidence Form is not specific to any particular creditor which is great if he can get it completed.
Bearing in mind, his appointment is not until mid December, then we have Christmas and New Year, I don't think the Evidence Form and I/E will get looked at until the New Year. I have got time before Christmas to help him complete an Income and Expenditure form, or I can ask the family to help him out, but they are more 'hands on' with dealing with his disabilities, medication and health complications, so I don't mind spending a couple of hours going through an I/E with him, also he tends to open up to me more than his family.
Should I help him complete an I/E and send it to his two creditors, or should he wait and send the Evidence Form and I/E together. I personally think it's better to send them both together, but it's the threatening letters he keeps receiving and phone calls which are making his mental health worse. I do my best to reassure him and would welcome opinions on what I have suggested in this post.
Thanks for all your advice.
Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!