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    • good idea take some pix and put them in a PDF read UPLOAD dx
    • thread title updated moved to overseas debt forum. sadly as they are outside any UK jurisdiction upon DCA rules which state in the UK they must not call employers, there not alot you can do to stop these scammers. make sure you totally make private ALL social media twitter/facebook/linked in etc etc as there no-way for them to findout where you work otherwise so you must have a leak somewhere. find it. your employer details arent even legally available to UK DCA's so how have they found it out to date???  simply write to the BANK informing them of your correct and current address ALWAYS!!. if you want to arrange payment or not TO THE BANK ONLY thats upto you. never ever ignore a Statutory Demand a Letter Of Claim a Court Claimform. if if if any of those ever happen. till then ignore and rewash. dx    
    • Date of issue –   13 may 2024 AOS date 31st may defence filing date 14th june plenty of lowell card claimform threads here use our enhanced google searchbox Lowell card claimform id be reading at least 5-10 threads a day. do NOT MISS your defence filing whatever happens.  
    • Hello All,  I’m hoping someone can help me urgently here. Firstly, I’d like to say I have read multiple other threads and have some what an idea of what I should be doing, however my case might be slightly different so coming with my own questions here.    my situation is I lived in Dubai and had a credit card and a loan, loan with HSBC and credit card with Emirates (or the other way round), I lost my job and was forced to leave the country as I was staying in the country on my companies visa.    since coming back, after a few years 2 different debt collections agencies have been approaching me (one being IDRW and the other J&P). I’ve never answered IDRWW and they constantly chase me by calling and messaging me and my employer. My current company is ok with this as I explained the situation but I’m soon to be joining a new company who definitely won’t be ok with being messaged and called. I’m afraid to continue to ignore them as they may message and calm the new employer as they have before and I’ll lose my job. However, it seems clear from these forums that dealing with the debt collection agencies is never a good idea. You shouldn’t agree to the amount or pay anything.    j&p caught me on my phone but I still haven't sent them any money or confirmed the amount they’re saying is owed, they keep pushing to pay off the “principal” amount by making monthly payments, from reading these forums it seems like if I make one of those payments (they have provided bank details for ENBD), then it’ll just be paying off interest and not actually clearing the principle debt and the bank won’t even approve receipt of payment or that it’s coming off principle.    this is my predicament as ignoring them might not be an option if they chase my new employer. Maybe there’s a way to ensure the debt collection agency don’t contact my new employer?? I don’t know? Massively appreciate peoples help here. Thanks, 
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  • 3 weeks later...

No further updates or anything received.

I will submit the N181 forms soon. Might just need a little help but will try first.

 

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Posted (edited)

So I am completing the N181 for to send today (to be rec'd by 18th).

Below is how I think I need to complete but please correct if I am wrong. Still nothing received from the solicitors ?

Is it easier to use and complete the version that can be downloaded ?

A1 Yes to wanting to attempt to settle ? (mediation) ?

Do you want a 1mth stay No

B1 ignore

B2 state your local county court name

How do I know which is my local court for this type of claim ? Answer in my post Reason: Defendants Local Court

C1 = No - reason The claimant has not complied with Paragraph 3 PAPDC and failed to server a Letter of Claim pursuant to PAPDC changes of the 1st October 2017.

D1 = No

D2 = Fast Track

D3 = Yes 

D4/5 = ignore

D7 = No

D8 = CPR 31.14 request refused. - Claimant states defendant should have files already and refused to send copies.

D9 = ignore

D10 =Ignore

D11 = ignore

E1/2/3 = No

E4 =Ignore

F1 = yourself 1 witness name

Witness to which facts ? Do we write anything here ?

G1 = 0 days 2 hours (This is only a guide though)

G2 = complete if applicable (I don't know of any dates yet but what happens at a later stage if we not able to attend ?) Inform the court and agree with the claimant's solicitors if you're unable to attend a date. However the court dates should take priority.

H= Ignore

I 1= No

I 2 ignore

I 3 = No

J = Signature (only sign for court copy but print name for claimant solicitors copy ?).

Complete all other details including telephone number address email etc ?

Appreciate your help. Should we have received something from the other side by now ?

Send via next day delivery and get proof of posting ? 1st class and get free proof of posting from a post office.

1Penny

 

 

Edited by lolerz
Edits in Red - See my Post Below
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Please see my amendments in red.

You can find your local county court by putting your postcode into this form from gov.uk
 

WWW.GOV.UK

Use court finder to find a court in England and Wales or a tribunal in England, Wales and Scotland


Online form or postal is up to you.

3 copies:

1 To court (signed)

1 to Claimants solicitors (print name only)

1 for yourself.



Hold fire for an opinion from others first but I think that covers everything

We could do with some help from you.

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Hello Lolerz

Many thanks.

For D8 should I put that they have not fulfilled the CPR 31.14 request rather than they refused ?

For F1Witness to which facts ? Do we put entire claim or no need to put anything ?

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2 hours ago, 1penny said:

J = Signature (only sign for court copy but print name for claimant solicitors copy ?). No see below

Complete all other details including telephone number address email etc ?  Yes as you have opted to try to settle.

For D8 should I put that they have not fulfilled the CPR 31.14 request rather than they refused ? No

For F1Witness to which facts ? Do we put entire claim or no need to put anything ? Nothing just yourself or hubby wife partner if party to a agreement.

J = Claimant to set and confirm Directions

Rest is fine.

PDF version to complete on PC

https://assets.publishing.service.gov.uk/media/652018b32548ca000dddeec1/N181_1023.pdf

 

 

.

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We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Just so you are aware,  unlike Small Claims Track,  Mediation has to be paid for in Fast Track by either party so opting for settlement does not necessarily mean you wish to enter in formal mediation.

We could do with some help from you.

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Many thanks for the clarification.

That was my understanding.

We are happy to speak with the claimants solicitors to try and resolve this without the need for court, as we have been trying during the past year. But it has to be affordable for us.

Let's see what happens.

Thanks again AndyOrch and Lolerz for your continued help and support.It is appreaciated.

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Just to clarify in section J as a bit confused.This section is for the Claimant only ? We do not sign this ?

 But we complete from date onwards ?

Apologies if a stupid question.

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Many thanks. So we leave section J entirely blank.

So we just print our name in the 'to be completed by' box on the first page.

No need to sign anywhere or provide contact details.

Many thanks, glad that I checked.

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J does not ask you to complete anything ...after J you complete the rest....if you wish to settle then I personally would provide contact details  (on the claimant's copy)otherwise it may prove difficult for the claimant to contact you. You must complete contact details on the courts copy.

We could do with some help from you.

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Ok, sorry me being stupid. I thought the details bit was all part of section J but I understand now having looked at the form again.

Many thanks

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No problem better to be sure but it is a bit confusing..if only the but an extra letter for contact details :-D 

We could do with some help from you.

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We both sent our completed N181 form to the court and claimants solicitors.

We haven't received anything from the solicitors yet but perhaps we will today.

How are directions agreed ? Does the claimant file proposed directions with their Directions Questionnaire ?

I will update once anything is received from the solicitors.

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4 hours ago, 1penny said:

How are directions agreed ? Does the claimant file proposed directions with their Directions Questionnaire ?

Yes and will ask you if you are in agreement and or wish to add /remove any direction.

We could do with some help from you.

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Ok many thanks. Just wanted to check that nothing else for us to do / send for the moment.

Will update again once we receive a copy of their N181 and proposed directions for review. Our post is a bit hit and miss at the moment.

Appreciate the help through this process.

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If the claimant fails to draft directions the court can order a Case Management Hearing to set them but normally in Fast Track claims the claimant sets the directions...Unlike small claims track which are always set by the court.

 

.

We could do with some help from you.

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We received a copy of the completed Directions Questionnaire (N181) from the solicitors along with a draft copy of their directions.

I am on a course today so can upload over the weekend if needed.

By 4pm on 16th May both parties must each give standard disclosure of documents by way of list by category.

By 4pm on 30th May any request for inspection or copies of docs must be made and compiled 14 days thereafter.

I will provide more over the weekend.

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Attached is a redacted copy of the draft directions.

It also looks like they want to make an application for Summary Judgement according to the completed directions questionnaire.

What are our next steps ?

draft directions.pdf

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where are you getting this assumption of a summary judgement from?

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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