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    • Hi guys   I have a number of large loan & credit card debts that I've been paying off by the absolute minimum amount since 2011.  We lost our business & home and have been renting since.  None of the debts are with the original creditors now, but they have been doing the usual 'pass-the-parcel' merry-go-round for the past 8 years and have settled with the likes of CapQuest, Intrum, Cabot, CDCS, PRA Group, NCO Resolve & Moorcroft!  They also very regularly send 'offers' of settlement with up to 70% discount!   Over the years some have been sending irregular 'statements' and most nothing at all.  Every so often some contact me to discuss the repayment 'plan'.  A couple, including NCO Resolve, keep asking for an updated Income & Expenditure sheet and even a list of ALL my creditors + what I owe & pay each of them.   I always reply with the same letter or email (never phone calls) explaining my situation and the fact that I pay ALL my creditors the same monthly amount.  However, I never send them an I&E sheet or list of creditors.   So, my main question is; Is it ok not to send the requested details, as I was once advised that only a court can ask for them?   Thanks & regards.   radmm0    
    • Syskey'd probs DX...  Probs used either Tamviewer / Logmein / Anydesk   For the OP - Warning signs - Please watch these vids...   https://www.youtube.com/channel/UC0uJKUXiU5T41Fzawy5H6mw   https://www.youtube.com/channel/UCm22FAXZMw1BaWeFszZxUKw
    • That damned  permit remote access flag should always be disabled especially in Windoze,
    • It sounds very difficult and it must be very unpleasant. I'm very sorry. I think the first thing I would do is start phoning the council. Telling them that there are hazardous materials being used on the premises and that also there don't appear to be any smoke alarms et cetera. Do you have an electrical safety certificate? I'm afraid the only technique I have is to start stirring up trouble as hard as possible. Other people will come along with more practical advice but I think you need to start attracting the attention of the council urgently. Surely the contact details of the landlord are contained in the tenancy agreement? Also, I would go to the land registry web search, search on the address and you may well be able to identify the owner. That might be a good start. If you are able to get real evidence of the way that the person downstairs runs the business – in terms of witnesses to the vapours, and any photographs of the storage business area et cetera then I think you could also challenge her in nuisance – which is a tort which you could sue her for in the County Court. I don't know if there's any way of getting solid evidence as to the vapours – you will need to look at the Internet and see if it is possible to get chemical detectors which will then register what is coming up and of course that would be used as evidence in court. I don't know if it would help to call the fire brigade and asked them to come along and do an inspection if you really believe there is a fire hazard. – Once again all I can think of is to stir it up as much as possible. If you are sure that the chemicals et cetera are being flushed into the water system then I would also phone the water company – who are they? – And give them information about it as well. Once again you will need to provide evidence and am afraid with all of these people they want a quiet life and so you will have to be persistent about all of your complaints. Otherwise number will pay any attention to you until there is some tragic accident. In terms of the music I would start recording it – but once again you need to get people there to hear it. I'm afraid a lot of it is going to be about evidence, evidence, and more evidence in terms of any physical evidence you can accumulate, and also the evidence of witnesses to it. I should start keeping a small exercise book with a daily fairly detailed record of everything that is happening – vapours, noises, opening times, closing times – et cetera. I do hope somebody else will come along with more practical advice that just to recap, it seems to me that you need to call the council, the water company, possibly the Fire Brigade, and also start thinking about a possible action in the County Court in the tort of nuisance. We can help you with the county court action.
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Weejon

Arrow/Shoosmiths claim form - old MBNA card debt NI

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dx100uk yes that is correct...N125

 

Sorry I didn't specify...It's with the court costs added that brings it to over £3000.

 

I did receive a claim pack..I was late on opening it.

With it being a Saturday I lodged my dispute online with the generic statue barred comments and phoned the court on the Monday..

thankfully they have took my dispute as priority as shoosmiths had not lodged a default decree yet.

 

Court says keep a better eye on your post and look out for your court date.

This is what I am looking to get prepared with.

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Quote

 yes that is correct...N125

 

Sorry I didn't specify...It's with the court costs added that brings it to over £3000.

 


So is it Small Claims or a Civil Bill  what have they expressed ?

 

Small claims

In general a small claim is one where the value to be claimed is not more than £3,000 and which does not relate to personal injuries, road traffic accidents, libel or slander, title to land, legacy or annuity or any property of a marriage.

If the total sum at issue between the same parties exceeds £3,000, the claimant must either:

  • proceed by abandoning any amount due over £3,000 (this will be expressly noted)
  • issue a civil bill in the County Court for a full hearing (up to £30,000)

Andy


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Definitely small claims.

 

I have printed off CCA request and DSAR and will be posting a CCA and DSAR to arrow and a DSAR to MBNA first thing tommorrow.

 

I can't see the DSAR being returned by the court date tho as I believe it all moves quite fast over here.

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Thanks for the continued help.

 

In regards to sending a DSAR to Arrow.  I believe that a DSAR should be signed.  Should i be sending Arrow anything with my signature on it?

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I have issues about sending any DCA your signature

however in this case as its statute barred it does really matter

if you click SAR

and read all the posts there

I would include a CTAX copy

you only have to prove who/where you are today 


..

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I never actually sign anything. No legal reason why you must or should, its just a convention. No point giving them any ammo to fire back at you.

 You could put some XXXXs if you like, it wouldn't make a scrap of difference. 🤣

 

I just end a letter:

 

yours, blah.

 

 

noomill060

 

(Note gap where you would sign a letter normally)

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I would send any letters you send "Signed For" posted at the Post Office at least and keep the receipt and tracking number very safe.

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Update.

 

So I received my court date. Any evidence from both sides needs to be sent to the courts and opposing sides 10 days before the court date.

 No defense to file so this is where things differ from the rest of the UK.

Would bank statements be enough evidence to prove my statue barred case?

 

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It would but you'd have to do so much redacting as no way should you even show those to a claimant. Gives away far too much other data.

 

for want of clarification..it's for the claimant to prove a debt is not statute barred..not for a defendant to prove its not.

 

i have had one scottish claim like this.

i refused to let the fleecers in court see the statements and told the sheriff i was more than happy for him to view them privately.

 

he agreed and got may complete folder of every statement from 1982 till that date (2015) some 600 pages.

 

after a short recess!!..he ask me one further question..did i have any other ways of funding that i might of used..i said yes..he said what types..i said 2 other banks accounts of which both were joint and that i was not comfortable with disclosing the other party 's personal spending ..but had them and would disclose the statements if requested.

 

He asked was the paperwork as comprehensive as the one currently with him..i said yes..he said that will not be required you are under oath i take your word with a smile..

 

absolvitor issued..

 

 

 


..

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Thats a very valid point.

This is the only instruction on the letter.

If I don't send proof of no payment to them then surely I could not use that as evidence in court.

Also any ideas how a bundle of evidence should be presented?

 

20191212_223833.jpg

Edited by Weejon

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On 30th April 2012 the respondent defaulted on the terms of the credit card at which stage there was an outstanding balance of 3400.

 

On 21st Jun 2012 this debt was assigned to arrow global Guernsey Ltd.

 

Notice of the above assignment was issued to the respondent at the relevant time.

 

As a result of the above assignment any balance that remains due by the respondent arising out of the above mentioned credit card is now properly due to the applicant.

 

Following post default credits this balance has been reduced to 2900.

 

Please note that the customer last made a payment of 1.00 on 12th Dec 2014.

 

……..

 

30/03/12 balance £3400

20/10/19 balance £2900

                                ---------

                                  £500

so an exact round £500...strange that

 

even stranger that before 12/12/2014 ''post default credits' reduced the balance by exactly £499 ...note they do not use the word payments.

but they do when referring to the £1 

 

what date is the hearing?

 

 

 

 

 


..

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Court date is 23rd Jan.

 

I'm looking forward to seeing what evidence they send me of the payments I have apparently made.

 

 

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look at the timeline in the poc carefully.

the a/c was defaulted 30th april

the A/C was not sold till 21st june, some 2mts later

 

I would suggest the £499 was refund of interest or charges or WHY from the OC, hence the different wording

to the phantom £1 payment some further 6mts later they claim by you.

 

the MBNA SAR will most probably clarify the 1st part and should be arriving well in time for your bundle exchange

 

at that time 2012 -14 were you ever aware of what questioning a debt was all about ?? or were involved in any other debt whereby you used a CCA request etc or were in any kind of debt management etc etc.. we don't have old thread history to guess your background.

 

 

 

 


..

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They claim £1 payment was paid in 2014. I have bank statements going back to December 2012. They show no payments to the debt. Or even for any payments of £1. This is the only account I have held.

 

I have never used a cca request before and this is my first dealing with this type of thing. Never went into a debt management plan. 

 

I went onto the electoral register at my new address and then a shoosmiths letter arrived about a month later regarding this.

 

 

 

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great stuff.

await the CCA/SAR returns

sit on yours hands for now, but continue your research here on CAG.

 

there are 100's of either 

arrows card claimform.

or shoos or shoosmith claimform

 

threads here

 

use our custom google search box which comes up after hitting the top squares logo for above

wont hurt to read as many as you can.


..

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