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    • I posted here in March to see if 25 years, or when I turned 50, was when my SLC student loan (taken out 1997) was written off, and it was confirmed to me then.   However, I did some googling about it and now they say loans from my time are written off after 30 years, as in (I assume) a change in government policy.   Is this true or not? I tried contacting Erudio, but no reply as yet.  
    • The elephant in Housing costs are Council Tax  and leasehold Service Charges.......
    • hi Andy how is that reading now. Can I post this on Mondays or does it have to be there on Monday just got home and my printer is now broken hear date 11/09/21.   In The county court AT XXXXX CLAIM NO: BETWEEN: XXXXXXXXXXXXXXXX Claimant - -and- XXXXXXXXXXXXXXXXX Defendant  WITNESS STATEMANT OF XXXXXXXXXX    I.XXXXXXXXX the defendant in this claim make the following statement believing it to be true will state as follows:-   1.It is admitted the defendant entering into a short term Pay Day Loan agreement for the sum of £400.00 plus 4 months interest totalling £600.48 from Moneyboat.co.uk.   2.It is denied that I defaulted on an “agreement”, as the Defendant has made a first payment of £150.13  towards the amount agreed to be repaid which was not been deducted or taken into consideration and the claimant continued to demand the full total amount from the agreement stated in #1. The claimant rejected email correspondence of a formal request for assistance during the ongoing Covid pandemic pursuant to the UK Government Legislation at which time I was placed on Furlough by my Employer and worried that it would be difficult to make a payment due to my financial situation.The claimant offered a confusing payment alternative that did not reflect the true status of my loan. exhibit 1    3. It is denied I failed to abide by the Terms and Conditions of the agreement as at no point did the claimant contact myself to offer assistance to make alternative payments to which I could repay.   4. It is admitted that the claimant was issued a CCA requestasking to supply me with a true copy of the alleged agreement they referred to. This is my right under their obligation to supply a copy of the agreement under the legislation contained within Consumer Credit Act 1974 (s.77 (1) for fixed sum credit) in on the 25/11/2020   Namely to show how I entered into an agreement Show how the claimant quantified the amount claimed   a £1 postal order also attached to the CCA request to which the claimant informed me by email that the £1 postal order was then used as payment towards the loan amount. Exhibit 2   5.The Claimant has not served a Default Notice pursuant to sec87 of the CCA1974.   Need for default notice.   (1)Service of a notice on the debtor or hirer in accordance with section 88 (a “default notice ”) is necessary before the creditor or owner can become entitled, by reason of any breach by the debtor or hirer of a regulated agreement,— (a) to terminate the agreement, or (b) to demand earlier payment of any sum   6. As per Civil Procedure Rule 16.5(4), the Claimant has failed to prove the allegation that the full correct amount of money is owed.   7. My defence stated that the claimant failed to serve notice and it is denied that the Claimant is entitled to the relief claimed or any relief entitled.   I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   Signed ……………….   Dated on the day ……………….   Thanks G
    • or   if thats from your useless solicitor ignore him. simply contact the sheriffs office yourself!! cost <£100.   Instruct us – The Sheriffs Office WWW.THESHERIFFSOFFICE.COM    
    • Could you remind me which post please, TJ?   Marina Hyde has a new opinion piece out, very aptly put and entirely in the PM's favour. If only the UK could panic-buy prime ministers who know what they’re doing | Marina Hyde | The Guardian WWW.THEGUARDIAN.COM Boris Johnson was in New York this week, trying to dodge awkward conversations and ignore domestic shortages, says Guardian columnist...  
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Mickc4 v yorkshire bank


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Hi, i have been checking in and out recently just to see how ppl are doing against the Yorkshire Bank. I have got roughly, from what i read, about 3/4's of the way through my claim. I have filled in my OLMC and had a response of acknowledgement of intent to defend from the Clydesdale bank, i am now struggling to work out what to expect next, they have 28 days to provide a defence, i am seeking advise as to 1- what to expect and 2- how to respond? any help would be appreciated.

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Hi Mickc4 the bank will send you a copy of their defence, probably at the last minute. In mine it states they dont know my account number or sort code even though I had informed them and had letters from them with account number on before. I just replied with information they wanted but stated they already had my details. Seems to be standard letter cos a few people on here have recieved the same. They will also send copy of defence to the court. Then you should hear from the court a few weeks after that. Hope this helps.

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Hi, I am aslo fairly new to the site, I have claimed on mcol and just had a letter saying the case is bieng transfered to my town, and enclosed was a copy of defence.I also got one from the bankprevious to that. From what I can understand on the site, we send 2 copies to the court and they send it to the bank. There is a link on here to tell you what to do, I will look and get back to you.

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I am waiting for a court date and further instructions from the court as to what to send. try looking at FAQs on here and other threads. by the way its 3 copies of everything 1 for yourself and 2 for court. dont worry someone on here will help you. just wait till you recieve the defence.

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the defence i got is mainly that charges are correct according to terms and conditions but watch news today, yorkshire bank are disclosing actual costs of charges in court probably february, only saw last bit so will be watching later. one of mods said to carry on taking them to court

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  • 3 weeks later...

Hi Mickc4

Just an update, got a court date for 26 October so starting to prepare my bundle.Lots of ink and paper,got to send one to court 1 to bank and 1 for myself.Got quite a bit done and getting ideas of what to send from the site threads. I have recievved the usual letter from the bank saying they have reopened my case and are looking at it again. Wont hold my breath.

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  • 2 weeks later...

good luck, i am hearing some negative things about this latest court case, i'm beginning to give up hope of ever getting to the end.

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hang in there it is a long process but you are nearing the touch line my court date is on 7th sept an started the process back in oct/nov last year claim was filed at court 29th march but it will be worth the wait to get our cash back i posted a list on my thread of what i put in my bundle so when you start preparing yours hope it helps i found that reading up an saving stuff for my bundle made me feel as if i was doing something as the time it takes to go through it all mashed my head good luck an you are so close now

 

all the best jeanette

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  • 2 weeks later...

Hi, just checked my OLMC and the 28 days they had to submit their defence has expired and i have filed for judjement by default giving them 14 days to pay the full amount, is this something you did as well i.e. part of the process or have they slipped up and missed the date?

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Hi,

looks like they missed the date but I have read on here that the courts allow them a few days grace, but hopefully they wont and you will get your money. I have got a letter from bank saying they are applying for a stay till after the test case, so I may have long wait

alex

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was wondering if they might use the postal strikes as an excuse, i have reeived absolutely nothing from the courts or the bank so fingers crossed.

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Hi Mickc4

 

Todaywas the deadline for bundles to be in court, I took mine in on Friday but havent recieved one from YB. I rang the court and they havent got one, told me to ring back on Thursdayin case they have been delayed cos of postal strike. Thought that was 2 weeks ago. Doesn't look like the bank had any intentions of sending their bundles, as they said in the last letter from them, they will be applying for a stay.I found a letter on here by Garyh to send the bank giving 7 days to complyso I think I will send it off to them.

alex

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Alex, i've received absolutly nothing so have gone for judgement by default via the OLMC, i got the copy from the courts sent to the bank, i have given them 14 days to pay in full. still no response a week later so hopefully??????

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Hi Mick,

Fingers crossed for you to get your money, if they havent put a stay on my claim I hope to get it struck out against YB.I am sure you will hear after the 14 days are up if not ring the court again.

keep us informed.

Alex

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  • 3 weeks later...

Having rang the court to find out where i stand, they advised that they(YB) hadn't as yet applied for the judgment to be set aside, asking their advice, which was not that helpful, i decided to issue a warrant yesterday 5-9-07 lets see what happens now.

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just gone home for lunch and found a copy of what the bank has sent to the court, asking for a stay on the grounds of an error in admin by them. i have already issued a warrant on the same day any ideas.

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