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    • sorry I have been confused by Statute Barred meaning. I thought with Statute Barred the debt cannot be chased 6 years after you have stopped paying.  Originally I set up a payment arrangement with all the companies around 2008 when things went horribly wrong. At that time the payment arrangement was with the original creditors.  I still have one of the original creditors who I pay each month (Cap1). I thought that if you make a payment arrangement you have to stick to that situation throughout. Also, MDR (Moorcroft) have been taking a monthly payment on behalf of M & S Bank for about 5 years. When I sent MDR a CCA request I got a copy of the original agreement sent to me directly by M & S Bank about 5 weeks after my CCA request. Sorry for my ignorance but would you suggest I stop paying all including Cap1 who are the original creditor? TIA
    • London1971 without divulging too much into his mental health he has issues regarding anything to do with government and so is it ok to fill the forms provided and what do I put on there  thanks  
    • Dear all, I am hoping for some advice/guidance on this matter. I received a LoC dated 12/04/24 and replied to this on the 2/05/24 disputing claim with the following reasons: 1: [Inadequate Affordability Assessment]: I contend that your institution failed to conduct a thorough assessment of my financial circumstances prior to approving the loan. As a result, the loan amount and repayment terms were not suitable for my income and financial situation. 2: [Unsustainable Repayments]: The repayment schedule imposed by the loan agreement placed an undue burden on my finances, making it impossible for me to meet my other financial obligations without experiencing significant hardship. 3: [Lack of Transparency]: Your institution did not adequately disclose the risks associated with the loan, including any potential increases in interest rates or fees over the loan term. I also added the following: Under the Consumer Credit Act 1974 and the Financial Conduct Authority (FCA) regulations, lenders have a legal obligation to conduct thorough affordability assessments and ensure that loan agreements are suitable for borrowers' circumstances. I hereby request that your institution: 1: Conduct a full investigation into my claim of irresponsible lending. 2: Provide me with copies of all documentation related to the loan application and approval process, including affordability assessments, credit checks, and correspondence. 3: Cease all collection activities related to the loan until this matter is resolved. Yesterday i received the attached reply via email and it included: 1: The Original Loan agreement 2: An account statement 3: A copy of a default notice letter. The email included a link for a direct debit set up page where you enter their reference and your bank account details (looks like a standard D/D set up page) but there is nothing to indicate the amount of the D/D that I might be agreeing to. I also think two days response time is not long enough to appropriately reply. Any thoughts appreciated   Email-compressed.pdf
    • Easy to set one up on Gov.uk , search on Google.
    • Hi London  he doesn’t have government gateway. Should we do it via post?
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Poppa H vs Barclays Bank


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Sent the relevant letters to Barclays, for charges totalling £2700. Received an offer of £1500 which I declined. Filed MCOL.

Barclays have issued a defence which presumably is the standard defence.

With the defence was an order saying 'The filing of an allocation qestionnaire be dispensed with in this case unless the District Judge at the court of transfer orders otherwise'

Any advice as to what this means / what is likely to happen / what I do next ?

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Your Allocation Questionaire has been dispensed with, this is the courts attempt at speeding the process up.

Your case will be transferred to your local court with directions sent to you accordingly.

 

This however, does not mean you will not have to pay the £100 fee for the AQ... no worries, this will be repaid on settlement.

.

http://www.findmadeleine.com/

http://news.sky.com/skynews/madeleine

 

If I dont reply to a direct question please feel free to PM me.

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  • 1 month later...

Received a letter from the court assignng a date, but including the following:

 

On Thursday 14th June 2007, District Judge Avent considered the papers in the case and ordered that:

 

1) there will be a preliminary hearing in this case (and several others which raise the same or similar issues and involve the same Defendant) at a time and date to be notified to you with this Order

 

2) The hearing is intended to give directions for the hearing of some or all these cases in a way which saves time and expense

 

3) It is hoped all parties will attend but if this is not practicble the Court will be pleased to consider the written views of any party provided that these reach the Court by no later than 3 clear days before the hearing

 

4) In the event that both parties fail to attend the hearing the Court shall make such order it sees fit including striking out the Claim and/or Defence as the case may be

 

5) Notwithstanding the value of any claim and whether it fails to be allocated to the Small Claims Track or otherwise, it is the provisional view of the Judge that the cost rules for the Small Claims Track should apply to them all

 

6) Because this order has been made by the Court without considering representations from the parties, the parties have a right to have the order set aside, varied or stayed.

 

A court date of 17th July 2007 at 11:00 AM has been set

 

Advice anyone please ??

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  • 2 weeks later...

Hi all, Andrew, I'm in the same day as you at 10am for a Preliminary Hearing against Abbey. I had the same Order as you on the 14th June. What i am confused about though is why this is needed when an AQ has been filed by both parties? Other threads seem to indicate that the judge is set to strike out the Defence but I don't want to get carried away. Any thoughts?

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Hhmm, does seem odd that the mass hearing includes cases that have already filled out an AQ and therefore the court should have already established which 'box' to put them in.

 

"2) The hearing is intended to give directions for the hearing of some or all these cases in a way which saves time and expense"

 

I wonder if the judge is going to issue a mass Special Directions requiring the Defendant to produce a breakdown of how the charges are calculated so that all parties can examine whether the applied charges reflect 'no profit' administrative costs.

 

As we know they don't and B's can't possibly provide this information in a true and accurate form, so maybe the judge intends to force Barclays into an early Default position.

3 Active Claims:

Barclays Refund of Bank Charges (Sole account) - Applied to lift court ordered Stay

Barclays Refund of Bank Charges (Joint account) - Awaiting court date

Barclays Refund of Bank Charges (Joint account) Pre-6 yrs- LBA sent.

 

 

3 Wins :

Barclays t/a The Woolwich (Data Protection Act breach costs & compliance)

HSBC (on behalf of brother)

Settled Out of Court - £3,874.76

Alliance & Leicester (on behalf of friend)

Settled Out of Court - £723.41

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Hi Welshcakes. I guess we'll just have to wait & see. There is another thread regarding Central London CC & Judge Avent in the "General" section.

 

Any idea what I should be taking with me? Most of the Preliminary Hearing "mini bundle" is concerned with allocating to Small Claims Track & liability for costs. My judge has already stated in the Order that I should not be eligible for costs whatever track it is deemed to be seen under.

 

Any advise appreciated.

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I received this email from Barclays today:

 

Dear XX

 

Thank you for your email. According to our records, your claim is due in Central London County Court for a Preliminary Hearing on the 17th July. At present, our intention is to send a representative to this hearing as there are a number of claims in the same stage of the process as yours and therefore whilst I think you for your settlement offer, it is not something I am able to address at this time.[/font]

 

Thanks,

 

Tom

 

Wonder if this is the start of them fighting back - advice anyone?

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Wish I could help. I've not had any word from Abbey concerning them attending but I think it's a smoke screen. There's no reason to believe they would start to turn up at these hearings unless there had been a major development.

 

Also, according to the Order, it's only a preliminary hearing to decide on how the court proceeds. This means we cannot "lose" the case on the day.

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Hi Saintly, I'm a little in the wrong place here, but have a thread on the Abbey Forum (Camdenite Vs Abbey) where I have asked a couple of questions concerning the neccessary paperwork for the Preliminary Hearing. I've not had a response so far to my last set of questions and could do with the help as it's getting closer to D-Day. Do you have 5mins to take a look?

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"Wonder if this is the start of them fighting back - advice anyone?"

 

I suspect this is just the same old same old of putting off writing out the settlement cheques.

3 Active Claims:

Barclays Refund of Bank Charges (Sole account) - Applied to lift court ordered Stay

Barclays Refund of Bank Charges (Joint account) - Awaiting court date

Barclays Refund of Bank Charges (Joint account) Pre-6 yrs- LBA sent.

 

 

3 Wins :

Barclays t/a The Woolwich (Data Protection Act breach costs & compliance)

HSBC (on behalf of brother)

Settled Out of Court - £3,874.76

Alliance & Leicester (on behalf of friend)

Settled Out of Court - £723.41

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Would be nice to think it's just a tactic, but seeing as how their representative would not have to "reveal their true costs" at the hearing then maybe they are changing tactics in order to frighten us into dropping the case?

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... course if any of the claimants entered a request for a Draft Directions as per the http://www.consumeractiongroup.co.uk/forum/general/53570-new-strategy-allocation-questionnaires.html?highlight=new+strategy+aq

 

and B's could face a huge problem?

3 Active Claims:

Barclays Refund of Bank Charges (Sole account) - Applied to lift court ordered Stay

Barclays Refund of Bank Charges (Joint account) - Awaiting court date

Barclays Refund of Bank Charges (Joint account) Pre-6 yrs- LBA sent.

 

 

3 Wins :

Barclays t/a The Woolwich (Data Protection Act breach costs & compliance)

HSBC (on behalf of brother)

Settled Out of Court - £3,874.76

Alliance & Leicester (on behalf of friend)

Settled Out of Court - £723.41

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