Cowbopper UE Diary

[Moonmonkey]

my last payments would have been January 2000 - hope i haven't aknowledged them in anyway but they should be statute barred too

and when you say statute barred process what did you do?

[Moonmonkey]

Dipped my toe into the statute barred process just before Xmas. 3 of the debts have been confirmed as barred and closed.
Happy New Year indeed.

my last payments would have been January 2000 - hope i haven't aknowledged them in anyway but they should be statute barred too

[cowbopper]

Dipped my toe into the statute barred process just before Xmas. 3 of the debts have been confirmed as barred and closed.
Happy New Year indeed.

[Roger]

14 May 2020, 17:53
As a bit of background, I was made redundant in 2012 and we very quickly fell into persistent arrears around 2013. Defaults were issued and we entered into a DMP in 2013 but this was cancelled by Stepchange in 2018. No payments have been made since. Defaults are now dropping off credit files which is great but some legal threats are beginning to materialise and some inaccuracies in credit files. Appreciate all the support any of you guys give and a massive thanks to Di for getting me started.

Congratulations and especially for your good Diary entries!
Also for sharing this with AAD!

30 August 2023, 11:19
Thanks for advice from everyone, I’ve borrowed some money off a relative to pay for JCS to represent. Don’t want to risk going this alone.

2 October 2023, 16:06
Case dropped by Cabot

Well done JCS!

[cowbopper]

Yes. JCS success.

[Still Waving]

Was this because of JCS intervention?

It's nice to have it reported, if so.

I mean, it's always of interest just to know whether JCS have racked up another success.

[Still Waving]

Case dropped by Cabot

Was this because of JCS intervention?

It's nice to have it reported, if so.

[The Tech Clerk]

good one

[Sparkles]

Case dropped by Cabot

That's great news.

[cowbopper]

Case dropped by Cabot

[The Tech Clerk]

Thanks for advice from everyone, I’ve borrowed some money off a relative to pay for JCS to represent. Don’t want to risk going this alone.

good move

[cowbopper]

Thanks for advice from everyone, I’ve borrowed some money off a relative to pay for JCS to represent. Don’t want to risk going this alone.

[The Tech Clerk]

Suggest you pay £10.00 and join AAD+ click on AAD+ in bar top of page that gives you more help and documents etc. you joined a few years ago for other cases.

[The Tech Clerk]

Claim Received CCA Request only if advised later as old request outstanding! do not give them plenty time to trace or try to find one, bearing a point for any claim form.

CPR 31:14 - Inspect Document Request (CCA Sent)

Keep copy of all letters etc in date order or any communication, also update diary above each event get free proof posting:-

[Pat]

The Tech Clerk

Do you have proof of sending a case request along with the payment- I used to print a copy and staple the signed for receipt, proof of delivery and the counter foil for the postal order. Or if I’d sent a cheque the cheque number.

If you can not prove this you MAY want to consider sending a new CCA request along with a cpr31.14 request for anything mentioned in the particulars of claim. EDIT - I have just read back and see you have the letter acknowledging receipt and saying it is on hold so maybe ignore what I have just suggested.
However do not trust MC


If you are worried about affording the cost of the solicitor, this is the standard way of dealing with it yourself or so I believe. I think there is a template for that request somewhere on here.

These would then form the basis of your defence.

What do they mention on the claim form?


If they do not mention a DN then you can plead Doyle v PRA which says a DN is needed


https://swarb.co.uk/doyle-v-pra-grou...ntent=cmp-true