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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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LLoyds Credit Cards Not Playing Ball?


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My sister sent off DPA to LLoyds on monday, 1st class recorded for current acc and credit cards. On Royal Mail track n trace, 'not received'. All the major four banks seem to be doing this at the mo'.

So she phoned today.... Bank Account- No probs, everything promised to be dispatched.

Credit Cards - total b*****rds! Refusing to comply with DPA, saying that DPA only means correspondence and complaint letters. They want £6 per statement.

Put on hold for ages, woman came back quoting DPA back at her, saying statements were NOT included.

What should she do. Write a DPA to Credit card services? Ring back and argue some more? any suggestions welcome

cheers

kate

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Ha Ha Ha

 

Lady from LLoyds just rang my sister back apologising for giving her wrong information.

She must write to

 

Pauline Griffin

Compliance and Controls

1st Floor

ESSEX house

Southend on Sea

TNT 28

 

Send letter requesting ALL info regarding CC account, form will be sent, sister has to return form with £10

 

Good way for them to gain another week or two tho!

Obviously total panic in office after her first call, she did threaten to report them to the Info Commissioner. oooooooh!

 

RESULT!

 

 

:D

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Make sure they don't gain another week or two. YOU set the timescales not them. If they don't stick to the timescales move on with the process.

Lloyds TSB - £972

S.A.R, prelim and LBA sent

Claim acknowledged

Defence received

AQ 20/06/06

***FULL SETTLEMENT RECEIVED 20/07/06***

 

Woolwich - £2288

S.A.R, prelim and LBA sent.

Offered half

Moneyclaim filed online 02/08/06

Judgement filed online 23/08/06

WARRANT FILED ONLINE 30/08/06

MONEY RECEIVED BY BALIFF 04/10/06

***FULL SETTLEMENT RECEIVED 09/10/06***

 

Smile - £175

Pelim 23/06/06

***FULL SETTLEMENT RECEIVED 07/07/06***

 

My Ex vs Woolwich - £715

S.A.R sent 30/08/06

Pelim 06/10/06

LBA 20/10/06

 

Advice & opinions provided are personal, and not endorsed by CAG or BAG, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 4 months later...

OK statements arrived eventually.

 

Total charges on 2 accounts and credit card £600.

 

She has sent prelim and LBA with no positive response.

 

About to file MCOL. Is it better to separate out CC and current accounts as there is not enough room on MCOL, or should I do the whole lot on N1?

 

 

One minor victory along the way. We discovered that she was paying PPI on her card despite being unemployed and on benefits:mad:

 

After 3 letters and an investigation by FO, we successfully got all PPi refunded £230 and the cards extortionate rate reduced to 0%:grin:

 

Now to get the rest back:cool:

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