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Merligen/Moriarty Claimform - 4xSunny PDL's


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Ok thanks for that jotty.
 

I will email a reply to court referrals stating not enough information for mediation and wait for local court date confirmation? 

 

I will upload the redacted docs sent with the settlement letter see if there are some bones to be picked out of them!!

 

thanks G

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I'd not bother emailing the court, just wait until the mediator rings you, its all about playing the long game as I have said.

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Hi

 

I have attached the latest letter and documents sent to me. Not sure what im looking for as iv been sent them many letters in response to the claim?

 

I have notice that within the documents is something that is supposed to be from Sunny Loans but is not on letterheaded paper ( looks like something that has been made up?

 

Any advise would be welcomed

 

Thank G

Settlement letter and documents for defence reply.pdf

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None of the documents look like originals or even copies of originals to me.

 

Like I say wait until you get a court date.

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might be an idea to follow upload

there it only asks you to remove ref' no's and your details. so they cant ID you here on CAG

 

youve removed all dates and figures but left a few ref no's showing too remove them! put dates and figures back please.

 

are there any tickboxes with your typed name and an IP address by them? there should be 4? as you say this was for 4 loans

assuming you signed up online there must be?
 

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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Hi dx

 

I have Redacted and amended the documents and re attached.

Only other documents sent to me are attached in #67.

 

12 hours ago, dx100uk said:

are there any tickboxes with your typed name and an IP address by them? there should be 4? as you say this was for 4 loans

Only the name is typed on page 12 with no IP address in situe.

 

I have had no default notice or letter stating the selling of the debt from Sunny Loans to SLL Capital Ltd produced would this not be a required document from Sunny and would the need to produce documents for each loan in default? Default notice from SSL Capital was for the accumulation of debt and not for each loan!!

 

Thanks G

asking for settlement letter.pdf

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go back and re read from about post 86.

 

4 loans

no agreements

no default notices

 

stuffed!

 

 

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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Sorry dx trying to get my head around it, 

 

no agreements - is that not an agreement attached above or are you saying “no” cuz it’s just a name with no IP address on the document?

 

no default - because the default is from SLL Capital and not from Sunny loans (Elevate) ? 

Stuffed - claimant because of the lack of above ?

 

thanks G 

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SSL are a debt buyer, they cannot issue a default notice.

and ofcourse there should be 4 DN's

and 

4 loan agreements each with tick boxes and an IP address of what device was used and where and what time.

 

and also  dont forget SSL have sold these loans on to another DCA and they are the claimant.

now going by SSL and their claims in the past, they usually push through court themselves and not sell it on again.

IMHO as they have done this, these debts stink!! quick get rid of 'em as we can't enforce anything. merligen have got done over here.

 

 

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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Ok gotcha dx thanks for your humble opinion much appreciated. 
 

Next step wait for local court date. I will post back once this comes through?

 

thanks G 

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IMHO i don't think you have enough concrete information there to even consider mediation.

 

see what @andyorch advises too

 

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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Sorry dx im a bit confused now?

 

8 hours ago, dx100uk said:

 

IMHO i don't think you have enough concrete information there to even consider mediation.

 

see what @andyorch advises too

 

 

thought there was not enough information for them to take this to claims court ?  
 

now I think your saying I’m not in a good place here or am I reading this wrong!

 

G

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You should not enter into mediation , which is basically compromising that you owe something, if you dont have all the info to decide that, their position is very weak inho.

 

As ive said

They need

4 signed agreements

4 default notices from the original creditor

 

None of which they have.

 

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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As I advised, based on my own experience, let the mediator ring you but explain that you don't have the necessary documents to enter into any discussions. They will try and get you to agree as its just a tick in the box but politely refuse.

It will then be returned to the court and based on the fact you dont have any of the originals forms it will test the resolve of Merlingen. They will hope you crack at some point and agree a deal, they will not want to go to court unless they have the right evidence.

 

Hold your resolve and play their game.

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dx/jotty thank you for the advice and clarifying the situation I feel much better now,

I think i was meeting myself going backwards trying to work everything out 🙃

 

Ok, no mediation and wait for local court date and see where we are at.

 

Thanks G

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  • 2 weeks later...

Hi everyone hope you are all well.

 

MCOL update is that now been transferred to local court I am just awaiting the court confirmation letter. Will the letter have details of next steps to proceed?

 

thanks G

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And read like claimform threads.

so you know what is next

how to respond

at each stage.

 

wont hurt either to look at others witness statements too, as that is what is next for you to do.

 

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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