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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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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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andypadd v HSBC **WON**


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so, it's saying it's not time yet - press again after midnight or wait until tomorrow - press it once each day til you get something new - if nothing by monday - ring the mcol helpline just to ask what is happening with it - they are very helpful. it should be 28 days from the date of service. it is deemed to have been served 5 days after it was filed. so you can figure 33 days from the date you did the mcol.

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  • 2 weeks later...

its gone very quiet had nothing from the court since 28 days were up,is it best to call the northampton court or d.g,or shall i just wait like mcol says.any advice would be a great help

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so, what does it say on the mcol - that you can't proceed any further - that would be because they submitted their defence. if so, when is it dated, 3-4 days after they submit their defence - you should receive notice of transfer to local court along with a copy of their defence. if form holds - the aq's are now being dispensed with.

each local judge has a number of options on how to deal with it so, it really is a matter of watch and see - but on the other side - the dg side of things - you can now start with nudging them a little - by letter - my advice is one letter every 10 days to dg along with a breakdown until you get an offer. see the two aq threads in my signature for ideas for the letters.

 

back to the court stuff - if it's not been defended - you could press the button if it allows - don't get too excited if you can as the courts regularly allow them an extra 7 days to defend (why?????), so try to press the button, if it's defended watch for paperwork - if none comes after a week ring mcol and ask what's happening and if it does get to you - see what it says and get back here for more advice - but in the meantime - start your first letter to dg.

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notice of transfer arrived today,i must say your good lateralus ha ha,now can you give me the lottery numbers aswell.going to send d.g a letter every 10 days, will walsall county court get in touch with more details of next stage? when should i contact court about aq fees

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give them a full week - so say friday next week - and them give them a ring to see if you need to be doing anything or if they have anything to tell you and enquire about the aq fee - if it will be payable.

 

and if i had the numbers for sat. night - i'd share them with you!

but i'm getting better - i've had 2 tenners in the last month - after about a yearlong dry spell!

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here you go:

 

aq info:

Allocation Questionnaires - A guide to completion

this is your step by step completion guide -and here is:New strategy for Allocation Questionaires

and here is how to use it:

for section g of the n149 (section h on the n150), use the wording in blue on post #3 of new strategy link, and then attach draft order for directions - use wording on post #2 of new strategy link(the bit in blue) making sure to add your name and court claim number to all pages. simple as that. just follow the steps with these two minor additions. the draft order is just asking the judge to order both parties to lay out their wares within 14 days of him ordering it - so it shortens the length of the time to a court date - and as dg/hsbc/all banks don't want to do it - they will pay up by offer or just not file their aq in which case you also win.

 

on, the other front - of this two pronged thing - have you sent dg a breakdown of your charges - it is advisable to do that, as they always ask for one before they offer anything - so it saves a couple of days.

and unless your claim is for under 1500 and wouldn't incur the filing fee of 100, i suggest leaving it until the aq is nearly due before filing it - as dg have been coming in with offers just before the due date in several cases.

 

 

 

and as for the nudge letters - post 1 of my two aq threads in my signature below.

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  • 2 weeks later...

good time for a letter to dg - there's one nearly ready for you in there - they are in post 1 of my aq threads - in my signature.

wait a day or two passed the deadline for the aq and ring the court to see if dg submitted theirs - then write a nudge - and send them a courtesy copy. can't add on the fee - so just letting them know you've filed and they have/have not.When you have filed your AQ................

New---after 28 Days - Maybe No Aq!!!!!!!

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phoned court no aq off hsbc they said it will be 4 weeks before i here from them(the court),sent 2nd letter and made calls to dg,ive had no offers or return calls and now on the news it says going to court is like a lottery for us,what more can i do

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