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    • Can you complete this ASAP also:    
    • 25/05/2024? That the deadline or the date of the claimform?
    • Banks have different limits above which they require Probate. So it may be Probate is not needed, although as he died with no Will that could complicate things. Is all the £28k with Virgin Money? Your wife should contact all banks who hold his money with the death certificate and ask them what they need to release the funds to her. Most banks have a central "bereavement department". Check their websites. Use that department rather than general call centre or bank branch if they have one. Nearly every bank website has a section on "what to do when a customer dies" so have a search for that. Your wife may also have to provide evidence that she is his daughter. When his wife died it sounds like they had a joint bank account so that's why her money just went across to him. But as it isn't a joint account now transfer to your wife won't be quite that simple.  
    • That explains it then. MET's fantasy is that it's a pay car park.  You're only let off paying if you are a Starbucks customer which you can't be when Starbucks is closed.  'Cos otherwise lots of people would abuse the car park facilities on the far edge of the Stansted Airport area in the middle of nowhere to ... admire the bushes?  Look at the cloudy sky? The important thing is that we have around 140 cases for this site, and MET have only tried court seven times.  Even then, they had no intention of getting as far as a hearing, they were attempting to intimidate the motorists into paying, when the Caggers defended the cases MET discontinued.
    • She's an only child and he as a brother and sister. He has no will and we have done a check on this to find out if he had left one and nothing has come up. He has savings of around 28k His sister and brother are well off so 28k is nothing to them and aren't interested in his money. This just leaves my wife/his daughter. Would this still need to go to probate there is no estate e.g house or business to sell and the amount left in his bank is just small? When his wife died they just closed her bank account and moved her money across to his account and we just assumed that once my wife has handed in the death certificate and shown evidence of who she is the same would apply to her? We don't know yet the council have only just written to us today with a guide of what to do next.  
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Perch/TM Salford Fast Track Claimform - Progressive Money loan from 2016


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They must disclose all the documents their claim relies upon by a given date which is determined at the allocation stage...I think you need to read a few topics by other users as the questions you ask are very basic and explained in the 1000s of court claim topics.

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On 11/11/2022 at 11:30, dx100uk said:

plenty of Perch ACI TM claimform threads here 

use our enhanced google searchbox.

 

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 @dx100ukand @Andyorch

 

I have today received documents from TM Legal in response to CPR 31.14 requests: credit agreement, default notice and notice of assignment.  Credit agreement is exactly as I have already shown you i.e. blank signature boxes.  I have attached the others for you to see. 

 

Also, a strange thing today, email from Clearscore to say that Equifax have notified them that the Perch debt is to be removed on 21 November?  Debt only shows on my husband's credit score, not on mine.

Default Notice and NOA.pdf

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did those come by email, they look remarkably perfect for a scan of a letter?

 

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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how did they get your email?

 

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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On 10/11/2022 at 21:59, Andyorch said:

Email is fine if they accept electronic communication.

ok yea, i understand now

 

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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of course it makes all the diff

anyone can send anyone a blank agreement claiming its the one you signed. esp a debt buyer and not the original creditor, could have come from anywhere.

fatal to any claim

the dn looks ok 

the NOA looks ok

not sure why the file should be vanishing could it be payments were last made nov 2016, as the default is months later. weird.

 

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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now this is where you need to start reading up again...

 

its not as simple as that, it's based on balance of probabilities and the judge on the day (if it ever gets that far)

long way to go till that yet

mediation

allocation

witness statements.

 

as many perch or PDL claimform threads as you can in this forum.

you will see that overall they lose or drop claims BUT.

 

this one will have ££ signs rolling in their eyes its a £27K claim whereby they probably paid <£3000 to buy it from progressive.

but as i said before, why didnt progressive take you two to court and crush you easily but sold it on for peanuts

...urm...

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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same as you searched for the defence

use our enhanced google searchbox.

 

my comment about knowing why was in relation to all the comms emails you uploaded, it's very obv they had zero chance of ever getting much money from you both.

 

so sold it on.

 

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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progressive as the original creditor could have crushed you, it is very telling that they did not.

 

clickme^^

 

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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you are  seriously 'green' on all things debt.

 

there is no good reason to keep asking questions that are, along with others, answered by reading and understanding the whole debt process following the threads listed above.

 

if someone owed you £26,000 would you sell it on and only get £2600, when you'd be £24,000 better off by going to court?

 

 

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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CCA requests received at Perch today and have screenshot of proof signed for. 

 

Both Clearscore and Credit Karma have now removed debt with no explanation and nothing in the "closed accounts" sections.  Debt went back on credit reference files when assigned to Perch.  Even if going by 6 years from default, should not be gone until April 2023?

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  • 3 weeks later...

you really really really need to be operating a self help mantra here on CAG between stages of the claim.

not simply do nothing till the 'next stage'

 

our enhanced googlesearchbox 

is designed to find and point you to what you need to find

 

see the N181 post in this thread

 

Centrica/CST claimform - Industrial Training Bond - General Legal Issues - Consumer Action Group

 

there are 100's of threads upon how to fill an n181 out.

 

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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Thank you @dx100uk

I have been searching after filing the defence, but I'm still struggling to find similar cases to my own especially ones that have been successful and can only find a few Perch cases. 

 

Perhaps I'm searching in the wrong way 😢 what should I be typing in the search?

 

Apologies, the stress has been just awful, but I feel that this forum is my very best chance of succeeding. 

 

Very grateful for your help.

 

Jenny 

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