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Asset Link/Kearns Claimform - old MBNA card debt


CornishRose
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dont waste your time mind

get reading up , whats to come

how to react

whats next in the process after that.

 

1000's of card claimform threads here 

 

cag is self help too. but never do anything without checking here 1st.

 

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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  • 2 weeks later...

Update: 

 

I have received confirmation from the Court that they have accepted my defense and have notified the other party etc, that they have to reply within 28 days.

 

Today 8 October, ive received a huge bundle from Kearns, which, they say includes all the paperwork that I have requested from them.

They've also sent, quite hilariously, a proforma for me to sign saying I agree I owe the debt and to allowing the claimant to request judgement against me for monies owned...

 

CR

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As they do, to intimidate you as they think they are all powerful and you'll obviously loose ..not!

 

We need to see everything bar statements. 

 

Scan it all up to one mass pdf please

Read upload carefully 

 

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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the supposed default notice from MBNA is not compliant.

the agreement looks ok, but ofcourse there is not IP Address showing where what device was used to sign up, to prove it was you.

 

it surprises me that MBNA very quickly sold this on and didn't crush you themselves in court but decided to sell the debt on for 10p=£1.

 

dx

 

  • Thanks 1

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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Yes, imagine selling such a small loan on...How do the DCA make any money on the low value....considering all the time they spend on it, court costs, energy cost, printer paper?

 

Yes I noticed the IP address wasnt there...

 

How is the Default Notice non compliant.?

 

Did you see the Mea Culpa proforma, lol

 

Thanks

 

CR

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  • 3 weeks later...

does it not tell you...like witness statements to be exchanged by xxx date?

 

 

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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you really must get reading up.!!!

sorry was busy sheep herding

 


https://www.consumeractiongroup.co.uk/topic/347310-legal-n180-directions-questionnaire-small-claims-track-correct-at-sept-2016/#comment-5088148

3 copies

yes to mediation (unless you filed our Statute Barred Defence OR this is a claim for a Private Parking Ticket)

1 wit you

Suitability for determination without a hearing? no (read all the posts in N180 link above for the reason)

the rest is obv

1 to the court

1 to sols (omit phone/sig/email)

1 for your file

 

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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Yes, am reading up, was just going to post this: 

 

I complete the N180, yes to mediation, yes to small claims track and my local county court as the hearing venue.  Once I have done this, I send a copy to the court (recorded delivery), and the solicitors (proof of postage).  

 

So, if it gets to the court stage, and I have to appear and argue my case...This is what im absolutely dreading. I really do suffer from horrendous anxiety and any form of public speaking is just too much for me.  

 

This is a very probable outcome? Right?

 

Thanks

 

CR. 

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all your q's will be answered if you go read a good few 10's of claimform card threads.

 

dx

 

  • Thanks 1

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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  • 1 month later...

good std practice

 

await your N157

 

in the mean time get reading 

claimform card 

 

threads using our enhanced google searchbox 

 

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...

Emmm.... Received this in the post on 30 December.

 

I posted my DQ's back on 17 November???  

 

Any idea what this if for?

 

On MCol it is says: 

DQ sent to you on 01/11/2022

You filed a DQ on 17/11/2022

General sanctions order was made on 15/12/2022

 

Arrrhhhh, its regarding the Claimant, not me the Defendant.  Thats right, right?

 

General Form of Judgment or Order doc.pdf

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as we said earlier, the fleecers often sent defendants their dq early to harass and intimidate people into wetting themselves and coughing up.

 

whats the mcol status now?

 

dx

 

  • Like 1

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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why not ring northants bulk and ask if the claim has been struckout as per the judges order?

 

dx

 

  • Like 1

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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Called Northants.   They are well behind with claims and updating the system.  So advice is to hang on for another 3 weeks for an update.  Their DQ's could well be waiting to be processed.  Waited over 50 minutes for the call to be answered.  

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