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    • Lolerz - I don't understand you.  Rebuked you?   No. I simply replied to your orange comments with legal facts as I know them.  I've already worked through the s42 and s146 issues - over the last 3-4y - and these issues are (mostly) resolved legally.  In terms of posting evidence.  Sure I can post some.  But my most recent questions have been a) how can I enforce a sale before trial?  And b) how can I make a complaint and/or a claim v receiver? (E.g. to which body do I complain?).  At the mo I'm asking for some helpful pointers on those specific questions??  I'm not asking for help with how to prove or present evidence. Fwiw - all evidence for trial has been disclosed (although additions are poss). The lender sent me like 10,000 emails and docs.  There's also 000s of emails, docs, photos, videos, recordings and texts that relate to freeholders/ me.   I read, filed and categorised everything for ease of future reference.  Witness statements and evidence were prepared for trial in the 42 and 146 matters. (now joined with current claim to save duplication).  I've lived the process before.  My current statement and linked evidence has taken like 6 months to draft/ write - to ensure I can succinctly prove my defence and counterclaim points.   Whether I can convince a judge at trial w/o lawyer / barrister is debatable 🙄   But I've prepared.  And continue to try better prepare - which is why I visit this site (and clinics).  This is NOT my business or expertise at all.  I'm just trying.  Not that anyone should ever have to justify why they need help if they ask politely! 
    • Thanks for the other info will also take a look at that.
    • It doesn't use the word reconstructed in the cover letter.  Although, I have just noticed on the cover letter they have asked me to complete a financial statement and offer a repayment within the next 10 days, or they will continue to follow court directions.  They sent a separate letter on the same day advising me they will be continuing with their claim ?  They have done the same for both claims.  Is it worth just doing that - doing the financial breakdown and offering a x amount.    
    • hahah except I can't locate the courier to frighten them with it hahaha   
    • Dx100uk according to the ICO office, who I spoke to at some length earlier today after getting the email from the court, Equita are the data controller if they have instructed the contracted EA. The ICO have noted the case, and stated very clearly that the court has the higher standing in terms of dealing with, and punishing either party if they fail to adhere to the district judges order and any action they take will not be criminal.    but they also stated very clearly that with what I’ve told them, and on the basis of accepting what I’ve told them as gospel (which it is with written confirmation from both the courts and the police) then there is some major red flags being raised on both sides with them blaming each other.    they’ve advised me to essentially keep my powder dry until there is a charging decision and an outcome from the seperate proceedings with the EAC2 complaint, and then come back to them with the case and they will be in a stronger position to act against Equita and the EA as there will be established facts and evidence that have already been laid before a court.     
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1st credit and first direct


becky75
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some 7 years ago, i had a loan with first direct.

 

the loan wasn't paid as moved home, no money the usual and then pow!!! a year ago, 1st credit had obviously traced me on thier behalf and started to demand money.

 

i'm on a debt managemant plan and they were one of the first to accept regular payments from me, but just recently they've been sending out the letters - first they were going to make me bankrupt then now they notice i've got a mortgage and will put some sort of order against my home !! how kind! even though i've been paying them reqularly through my debt company.

 

is it all just 'hot air' as i keep being advised - can these people really keep threatening to do this to me ?

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is it all just 'hot air' as i keep being advised

Yes. In order to get a charging order the need first to get a CCJ. You can head them off at the pass by sending the CCA request. If they can't produce the copy of the agreement or if it doesn't comply with the Act they can't make a CCJ stick. If they can't make the CCJ stick they will never get a charging order on your home.

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HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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thank u all!!!

 

have found a cca letter and will send one out to these lovely people!!!!!!!

 

cant believe how much they get away with !!!

 

just wish the people that do my dent management thought to do the same!! could be saving me money!!!!!!!!!

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Becky,

Are you paying for your debt management plan? Or are you with a charity like CCCS?

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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unfortunatley the plan came with a cost - purely because was totally panicking at the time! got 2 small kids and didn't want them to end up with nothing!

 

which i thought people like these debt chasers had the power to do what they liked basically!

 

i'm also chasing up my bank charges now because been spending last few years robbing peter to pay paul and getting charges from everyone left right and centre! - been bit daft i'm sorry to admit. now i'm in this plan paying off thousands.

 

now its their turn for me to get tough with them!!!!!!!

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Guest Fallenangel
I doubt wether they have a CCA or any written agreements.

 

1st Direct have informed me that anything over six years old they destroy.

 

Which means that 1st Credit won't have anything either!

 

Is that true??....

 

I have an old loan from first direct , from 1998 that I defaulted on in 1998, and now the lovely MCS have the account and, although I am paying every month they still send letters like " get in touch within the next 48 hours or it will be too late to avoid action" etc.....

 

Its for about 4K and am now thinking it would be a good idea to CCa them too....would they have doccuments from 1998???

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Is that true??....

 

I have an old loan from first direct , from 1998 that I defaulted on in 1998, and now the lovely MCS have the account and, although I am paying every month they still send letters like " get in touch within the next 48 hours or it will be too late to avoid action" etc.....

 

Its for about 4K and am now thinking it would be a good idea to CCa them too....would they have doccuments from 1998???

 

Oh it's true. I have the letter in a secure location just in case they come back hunting again!

 

It's worth a CCA request and maybe even a SAR. 1st Direct didn't even cash my cheque for the SAR.

 

It's worth sending a letter and £1-00 for the CCA.

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Guest Fallenangel

Ok thanks for that I will send one. GOD I WISH I had found this site YEARS ago.....the family and I have suffered for neigh on ten years with debt, butit looks like things are gunna change!!!

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Fallen try and relax a little you are amongst some fantastic people here...I have the same attitude as you, I wished I'd have found this site ages ago....please do read through these forums as you get time you will certainly get to know more and more.....

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Guest Fallenangel
Fallen try and relax a little you are amongst some fantastic people here...I have the same attitude as you, I wished I'd have found this site ages ago....please do read through these forums as you get time you will certainly get to know more and more.....

 

Am trying to relax, honest!!!:p

 

First credit have already taken me to court (2003/04) so I know what they are like..... and got a forthwith judgement against me for £3K. I had NO IDEA at that time what I was dealing with and paniced and paid it off.....it cleared me out completely but they had harrassed and scared me THAT much that I dint know what else to do!.....if ONLY!!........

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Fallenangel,

Could you please start your own thread on this. That way you'll get more help and it is fairer to the OP.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Guest Fallenangel

Hi rory32, no problems, will start new tread with results of cca request .....if there is any!......good luck to becky75 hope you get it sorted!!

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so today i had a litigation letter from 1st credit.

 

they're going to proceed against me unless i arrange a monthly instalment plan (i've been paying them since last year every month) or have a substantial reduction and pay a lump sum to them - love to !

 

so i call up the people that are meant to help and they say post the letter in - i ask what they've done since the last letter i had from them and they said - nothing just wait until they start to do something legal! - gee thanks let it get worse then act eh!

 

so i ask - cant i get a cca ? and she says yes they have to respond in a month!!! what !! thought 12 days??? and you have to send the request to the person that you had the debt with originally !! so do i ask first direct for the copy or first credit who they have now sold the debt to ?

 

she said let us know how you get on - if they wont give copy you still have to pay but they cant put charge on the house!! ............. but then she wasnt sure if it got quashed instead!!!!!

 

i so wish i'd found this site first instead of applying for people to sit on their butts instead! making me look like im just burying head in sand!

 

any help sooooooooooooooooo appreciated all xxxxxx:confused:

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CCA 1st credit ASAP and head the letter in bold with 'I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY' enclosing a £1 postal order which is the statutory fee stating that this is payment for the CCA request and NOT to be used in payment against any alledged oustanding amount. Send recorded delivery or special delivery if you can afford it. Also ask for a full statement of your account which they have to supply free of charge.

 

The timescales for a CCA request are 12 + 2 working days, after which they default if they don't supply a true copy of your properly executed consumer credit agreement. At this time the account will be in dispute and they cannot ask you for any further payments. Then after a further calender month they commit a summary criminal offence if they do not supply your CCA. If this happens they cannot resume any debt collection activities unless they go to court with a proper CCA and get it re-instated.

 

Good luck,

 

BB

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thanks so much babybear!! a great help !!

 

looks like get on with it all myself eh!! this letter on about making me sell the house and everything!!!

 

and them lot well.................................

 

going for bank charges, reckon might give the credit cards a blast too!!!!

 

really appreciate ur help x:)

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Hi there

I am having the same problem with 1st credit i have C.C.A,d them twice now and after being lied to on the telephone regarding none reciept of my letter regarding this matter.to which they responded to at my new address was laughable and they had also cashed the £5 cheque i had sent requesting the info.I am now writing another letter to request this info and am sticking to the 21 day deadline in my second letter to them.they have mentioned bankruptcy order they are applying to the court for but i dont think they can if they dont have legal ownership of the debt.

jackarl

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