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    • Hello, Following the submission of my defense, last night I received an email from DCBL indicating that the claimant intends to proceed with the claim (I've attached a screenshot of the email for reference) along with the N180 directions questionnaire. I'm unsure how they obtained my email, but I suspect it was through the courts' form when I completed the Acknowledgment of Service. This email almost slipped my attention. I have also today received a letter from court to state they have received my defense.  It appears they are requesting an online telephone hearing with the court. Could you please advise me on the necessary steps I should take at this point? Thank you for your assistance. Letter-Email 25-04-24.pdf N180 - Directions questionnaire (Small Claims Track).pdf
    • Default Amount £9237.88, all this started in 2006 Admitted debt £9075.65 Weightmans added £1515.01 immediately they became involved, no explanation The Statement shows when Marlin bought debt in May 2011 £10439.25 Their statements, not received until the SAR, are based on this. Cabot deducted £1515.01on their statements in January 2019, again did not find this out until SAR. Weightmans added in  2007 after the CH1 etc was confirmed by the court £741.50, made up of Process server fees, Court Fee (they tried for bankruptcy), Solicitors fee and Land Registry fee. Unspecfied Legal costs were added by Marlin in March 2015, again I did not know this until statements received with SAR I had been paying monthly, without exception until December 2018. I am minded to take the property charge, CH1 amount ,deduct all my payments and the subsequent fees, and request/demand a refund on the final payment made? I consistently disputed Weightmans balances, but they never responded. I also told Mortimer Clarke/Cabot that I disputed their amounts.  
    • Just follow this link and have read of some threads so your familiar with the process https://www.consumeractiongroup.co.uk/topic/347310-legal-n180-directions-questionnaire-small-claims-track/#comment-5178739
    • Sorry,  I'm not familiar with terminology.  Direction questionnaire is what I've seen online as next step. Witness statement: I haven't gone that far, that's why I put the question marks.
    • 2. Is correct disregard 1. You must attend ad per the order 
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Hello one and all :)

 

Ive been reading here and over at moneysavingexpert and find this site very good.

 

I do have a few questions (noob questions mind)

 

SAR: i cant find an answer to what it is, saw what to stood for, is this the first letter we send to the bank?

 

CCA: I gather this is to request the original credit agreement i signed? They then have 14 days to send it to me and if after 42 days i havent received it, they then cant force me to pay the debt?

 

Whats the total charge i have to pay to go to court?

 

 

Currently im on a dmp with Payplan, my creditors are RBS Mint, Capital One, Citicards, DLC via Egg, MBNA and Metropolitan via HSBC.

 

Ive only started with HSBC, ive sent the LBA, in fact sent a fortnight ago today, but i cant afford starting court actions til payday end of April, MOT failure costs :mad: so will have to see if they offer me anything before then, if not, will start court proceedings.

 

The only one with charges (that i can rememeber) other than HSBC is MBNA, i will be asking for my statements off them in the next few weeks, but im cautious as what they will do with my account, reason is because they continue to charge me ppi even tho their records shows it was cancelled last March, they just keep refunding them with the interest :roll: . Also they never agreed to my offer of payment and havent frozen interest, i am sure there will be over £1000 of charges if not more, plus the interest at over 10% if im right in thinking i can charge interest at that rate? The charges kicked in due to late payments, due to charges from my bank, the circle of charges kicked in badly a few years ago :( . Im hoping to send them a cca for them to provide my agreement cos i signed the application at a football game and cant remember if i signed anything else.

 

Well thats me and my situation, im away to the MBNA and HSBC threads now :p

 

Thanks for any answers to my questions or tips on where i go next or if there is anything i need to know.

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Hi wednesday,

 

Welcome to the forum.

s a r http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

all of the thing you need to know are easily found, by clicking the search button above and type your search. You can also find all of your banks/store forums the same way. Please do and start a thread in each one that you are reclaiming from.

 

Please take time to read the faq's

use the template letters.

 

LINKS....

FAQs....

Templates Library....

There is also live chat, visit if you need any quick advice.

Finally good Luck.

Happyolddog.

 

If my advice helps please tip the scales, left.

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