Page 7 of 10 FirstFirst ... 345678910 LastLast
Results 151 to 175 of 227

Thread: Catalogue debt

  • Share
  • Thread Tools
  • Display
  1. #151
    Join Date
    Jan 2014
    Posts
    155
    Mentioned
    3 Post(s)

    Default Re: Catalogue debt

    Quote Originally Posted by Diana M View Post
    I assume that the DQ refers to the claim being (potentially) allocated to the Small Claims Track not the Fast Track since you refer to a question about Mediation on the form (free SCCMS is not available to FT claims).

    Since this claim is for over £10k you need to think carefully before you agree to it being allocated to the Small Claims Track.

    Lowells will have suggested that in order to avoid the scrutiny they will face with Disclosure which is more thorough in FT. They will also be mindful that if they lost a FT claim they would have to pay your representative's legal costs so they will want to avoid that.

    There are positives and negatives to both tracks so give it some thought before completing the form which asks you if you're happy with the suggested allocation. It won't actually be allocated until it's transferred to your local county court.

    Di
    Thank you @charitynjw and @Diana M. But now I am feeling a bit like a little girl in a world just for grown ups. What would be the worst case scenario if i say it is not acceptable for small claims track? Lowell have not sent any documents to me yet and they have not informed me of the change of solicitors even though they have to inform me too. @charitynjw feels Lowell may produce these documents before the hearing yet @Amethyst thinks Lowell wont be able to produce the documents as Littlewoods were very bad at keeping records...Don't know which way to turn. I am totally unfamiliar with all these situations. i have never in my life gone to court for anything..... any advice appreciated

  2. #152
    Join Date
    Sep 2009
    Posts
    10,848
    Mentioned
    413 Post(s)

    Default Re: Catalogue debt

    Quote Originally Posted by charitynjw View Post
    Lowells do seem to leave disclosure of documents until the last possible moment (usually 14 days or so before the actual hearing).
    Quote Originally Posted by nafta View Post
    @charitynjw feels Lowell may produce these documents before the hearing
    There's a world of difference between producing documents, & those documents being accurate or compliant.
    CAVEAT LECTOR

    This is only my opinion - "
    Opinions are made to be changed --or how is truth to be got at?" (Byron)

    You and I do not see things as they are. We see things as we are.
    Cohen, Herb

    There is danger when a man throws his tongue into high gear before he
    gets his brain a-going.
    Phelps, C. C.

    "They couldn't hit an elephant at this distance!"
    The last words of John Sedgwick

  3. #153
    Join Date
    Jan 2014
    Posts
    155
    Mentioned
    3 Post(s)

    Default Re: Catalogue debt

    Quote Originally Posted by charitynjw View Post
    There's a world of difference between producing documents, & those documents being accurate or compliant.
    so i guess the question is do i agree to small claims or go for fast track... totally lost going through the post I must admit i forgot to send the SAR. I think I should sent it now?
    Last edited by nafta; 13th March 2017 at 21:06:PM.

  4. #154
    Join Date
    Jun 2016
    Posts
    3,591
    Mentioned
    571 Post(s)

    Default Re: Catalogue debt

    What is the deadline for filing your DQ at court?

    No one can tell you for certain that the Claimant won't be able to produce documents.

    All I can say is that with a claim of this size they will try hard to produce reconstituted documents in an effort to persuade the court that 'on the balance of probabilities' the original documents did exist.

    Di
    I am a Litigation Executive at Joanna Connolly Solicitors a firm which specializes in consumer credit.

    This forumís site rules donít allow me to give advice by PM but if you need to contact me please email di@joannaconnollysolicitors.co.uk . Our initial advice is always free.

    Any posts I make on LegalBeagles are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

  5. #155
    Join Date
    Jan 2014
    Posts
    155
    Mentioned
    3 Post(s)

    Default Re: Catalogue debt

    Quote Originally Posted by Diana M View Post
    What is the deadline for filing your DQ at court?

    No one can tell you for certain that the Claimant won't be able to produce documents.

    All I can say is that with a claim of this size they will try hard to produce reconstituted documents in an effort to persuade the court that 'on the balance of probabilities' the original documents did exist.

    Di
    I have till the 27th March. Reconstituted documents? what does tis mean?

  6. #156
    Join Date
    Jun 2016
    Posts
    3,591
    Mentioned
    571 Post(s)

    Default Re: Catalogue debt

    Quote Originally Posted by nafta View Post
    going through the post I must admit i forgot to send the SAR. I think I should sent it now?
    Yes you should

    Di
    I am a Litigation Executive at Joanna Connolly Solicitors a firm which specializes in consumer credit.

    This forumís site rules donít allow me to give advice by PM but if you need to contact me please email di@joannaconnollysolicitors.co.uk . Our initial advice is always free.

    Any posts I make on LegalBeagles are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

  7. #157
    Join Date
    Sep 2009
    Posts
    10,848
    Mentioned
    413 Post(s)

    Default Re: Catalogue debt

    Quote Originally Posted by nafta View Post
    so i guess the question is do i agree to small claims or go for fast track... totally lost going through the post I must admit i forgot to send the SAR. I think I should sent it now?
    If it was me, & with that kind of money in the balance, I'd certainly think seriously about the advice given at the top of the thread.
    We now feature a number of specialist consumer credit debt solicitors on our sister site, lbcompare.co.uk- If your case is over £10,000 or particularly complex it may be worth a chat with a solicitor, often they will be able to help on a fixed fee or CFA (no win, no fee) basis.
    CAVEAT LECTOR

    This is only my opinion - "
    Opinions are made to be changed --or how is truth to be got at?" (Byron)

    You and I do not see things as they are. We see things as we are.
    Cohen, Herb

    There is danger when a man throws his tongue into high gear before he
    gets his brain a-going.
    Phelps, C. C.

    "They couldn't hit an elephant at this distance!"
    The last words of John Sedgwick

  8. #158
    Join Date
    Jan 2014
    Posts
    155
    Mentioned
    3 Post(s)

    Default Re: Catalogue debt

    Quote Originally Posted by Diana M View Post
    Yes you should

    Di
    Littlewoods i believe is now shop direct? who should I address the SAR to? I will do it tomorrow morning and post it straight away recorded.

  9. #159
    Join Date
    Apr 2009
    Posts
    4,917
    Mentioned
    131 Post(s)

    Default Re: Catalogue debt

    shop direct all same building:-

    Skyways House
    Speke Road
    Speke
    Liverpool
    L70 1AB














  10. #160
    Join Date
    Jan 2014
    Posts
    155
    Mentioned
    3 Post(s)

    Default Re: Catalogue debt

    Any chance of a template for this SAR letter? I would like to post it today. Many thanks

  11. #161
    Join Date
    Sep 2009
    Posts
    10,848
    Mentioned
    413 Post(s)

    Default Re: Catalogue debt

    CAVEAT LECTOR

    This is only my opinion - "
    Opinions are made to be changed --or how is truth to be got at?" (Byron)

    You and I do not see things as they are. We see things as we are.
    Cohen, Herb

    There is danger when a man throws his tongue into high gear before he
    gets his brain a-going.
    Phelps, C. C.

    "They couldn't hit an elephant at this distance!"
    The last words of John Sedgwick

  12. #162
    Join Date
    Jan 2014
    Posts
    155
    Mentioned
    3 Post(s)

    Default Re: Catalogue debt

    Quote Originally Posted by charitynjw View Post
    I have letter ready. DO I send a postal order for the value of £10?

  13. #163
    Join Date
    Apr 2009
    Posts
    4,917
    Mentioned
    131 Post(s)

    Default Re: Catalogue debt

    yes = statutory requirement
    Last edited by Amethyst; 14th March 2017 at 11:25:AM.

  14. #164
    Join Date
    May 2007
    Posts
    57,633
    Mentioned
    1441 Post(s)

    Default Re: Catalogue debt

    It is the maximum statutory fee they can charge for a SAR - not all firms will charge it but most do so best to include it with your letter save any hold ups.
    ďWe may not win by protesting, but if we donít protest we will lose. If we stand up to them, there is always a chance we will win.Ē Hetty Bower

    ****If you upload documents to your thread, please ensure you have redacted any personal data FIRST***

    Any advice I provide is given without liability, if you are unsure please seek professional legal guidance.

    Find Solicitors and Legal Services Providers offering fixed fees on our sister site - LBcompare.co.uk

  15. #165
    Join Date
    Jan 2014
    Posts
    155
    Mentioned
    3 Post(s)

    Default Re: Catalogue debt

    I did send the SAR registered si now waiting in that and trying to decide how to fill the DQ as I have little time left.

  16. #166
    Join Date
    Jun 2016
    Posts
    3,591
    Mentioned
    571 Post(s)

    Default Re: Catalogue debt

    Quote Originally Posted by Diana M View Post
    What is the deadline for filing your DQ at court?
    Quote Originally Posted by nafta View Post
    I have till the 27th March.
    Quote Originally Posted by nafta View Post
    trying to decide how to fill the DQ as I have little time left.
    According to your post # 155 your DQ deadline is 27th March which is the week after next (Monday).

    You should have received a reply to your email sent this morning (Sunday) saying that I would be back in the office on Thursday morning. I have your phone number so if I can I'll ring you before then.

    Try not to fret so much - I know that's easier said than done.

    Di
    I am a Litigation Executive at Joanna Connolly Solicitors a firm which specializes in consumer credit.

    This forumís site rules donít allow me to give advice by PM but if you need to contact me please email di@joannaconnollysolicitors.co.uk . Our initial advice is always free.

    Any posts I make on LegalBeagles are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

  17. #167
    Join Date
    Jan 2014
    Posts
    155
    Mentioned
    3 Post(s)

    Default Re: Catalogue debt

    Thank you!! I have not received anything and as I appreciate you must be a very busy lady did not feel I could disturb you again. But thank you for replying here.

  18. #168
    Join Date
    Jan 2014
    Posts
    155
    Mentioned
    3 Post(s)

    Default Re: Catalogue debt

    Hi, Today I have received this email....

    Dear xxxxxxxxThank you for your recent request under the Data Protection Act 1998 for a copy of your personal information held by Shop Direct.I have attempted to contact you on xxxxxxxxxx but I have been unable to reach you, could you please provide a contact number and advise when you would be available for me to call you. Alternatively could you please give me a call on 0344 811 8515 so we can proceed with your request we would like to confirm specifically what information you want as we do not want to send you unnecessary information.

    Depending on the reason for the DSAR for instance if it is in relation to a complaint we can have this logged and it would be fully investigated by a complaint handler.

    If your query is in relation to PPI we can provide this information free of charge, return your cheque and send you full details of any PPI applied to all accounts held.

    Therefore, if we do not hear from you we will process your £10.00 cheque and will provide you with our standard pack within the 40 day statutory time period.If I can be of any further assistance in this matter, please contact me by telephone or by email. Our opening hours are Monday-Friday 9.00am – 5.00pm.Yours sincerely,Gill Wood
    Data Protection Unit
    Customer Excellence - Aintree
    www.shopdirect.com
    0344 811 8515

  19. #169
    Join Date
    Nov 2014
    Posts
    14,415
    Mentioned
    1604 Post(s)

    Default Re: Catalogue debt

    Ask for personal data the hold.

    nem
    The Advice I Give and Draft Letters Provided Are Drawn From Personal Experience and Career Training And Are Given Freely And Without Liability.
    Please make your own decisions with care and if necessary seek qualified legal advice.
    I will not advise by Private Message. If Specific Advice is Needed please Tag me in your post by typing @Nemesis45 . If you receive messages from anyone offering advice for a fee please report it to the site team. Animo et Fide.





  20. #170
    Join Date
    Jan 2014
    Posts
    155
    Mentioned
    3 Post(s)

    Default Re: Catalogue debt

    Quote Originally Posted by nemesis45 View Post
    Ask for personal data the hold.

    nem
    thank you @nemesis45 sorry if i sound naive, but is this the last option as in the standard full pack?

  21. #171
    Join Date
    Feb 2017
    Posts
    801
    Mentioned
    59 Post(s)

    Default Re: Catalogue debt

    Hi nafta

    I am sure Diana will call you as promised

    What they say is a full pack may not be, you can only wait and see really

    ( I sent a DSAR to Capital One and they sent back some of the info, I am reading through it to decide if I need to ask for the rest- but thats my problem)

    Remember, whatever they might try to say, the 40 days started when they received the SAR not when they want it to

  22. #172
    Join Date
    Jan 2014
    Posts
    155
    Mentioned
    3 Post(s)

    Default Re: Catalogue debt

    thank you! yes I am sure she will. just wanted to put this one out there in the meantime.

  23. #173
    Join Date
    Nov 2014
    Posts
    14,415
    Mentioned
    1604 Post(s)

    Default Re: Catalogue debt

    Quote Originally Posted by nafta View Post
    thank you @nemesis45 sorry if i sound naive, but is this the last option as in the standard full pack?
    Hello nafta,

    You can specify document an generalise your request e.g. I request all personal data howsoever stored/held including but not limited to the following items.

    nem
    The Advice I Give and Draft Letters Provided Are Drawn From Personal Experience and Career Training And Are Given Freely And Without Liability.
    Please make your own decisions with care and if necessary seek qualified legal advice.
    I will not advise by Private Message. If Specific Advice is Needed please Tag me in your post by typing @Nemesis45 . If you receive messages from anyone offering advice for a fee please report it to the site team. Animo et Fide.





  24. #174
    Join Date
    Jan 2014
    Posts
    155
    Mentioned
    3 Post(s)

    Default Re: Catalogue debt

    Thank you @nemesis45

  25. #175
    Join Date
    Jan 2014
    Posts
    155
    Mentioned
    3 Post(s)

    Default Re: Catalogue debt

    Hello everyone. Hope you've all enjoyed Easter.
    Apologies for the absence here but I have been quite anxious this last few weeks and had to find the strength to pick myself up and keep up.

    As an update I sent the DQ and agreed to mediation. I heard from them by email and I responded saying I did not have all the document needed to proceed so they responded and say it had to go back to court to decide so now waiting fir next move. I am also waiting to receive documents form Shop Direct. I sent the letter back on the 15th march so there is still a couple of weeks till I received it?.

    I have a couple of other things I need to deal with but will start new separate threads on them to keep all tidy.

Page 7 of 10 FirstFirst ... 345678910 LastLast

Similar Threads

  1. Very catalogue debt
    By Emmalou8 in forum Money & Debt
    Replies: 1
    : 3rd May 2015, 09:27:AM
  2. Catalogue Debt
    By Tomo in forum Welcome Forum
    Replies: 2
    : 16th October 2013, 14:25:PM
  3. NDR catalogue debt
    By Petemcc in forum Consumer Credit Act
    Replies: 1
    : 16th October 2012, 01:32:AM
  4. Catalogue debt
    By littlesally in forum Catalogues
    Replies: 1
    : 15th September 2008, 11:25:AM

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •  
Contact Us



© Celame (UK) Ltd 2016
Hosted by Lodge Information Services Ltd
LegalBeaglesģ are DPA Registered No. ZA158014
LegalBeaglesģ is the trading name of CELAME (UK) LIMITED ( 09220332 )
Registered Address: 25 Moorgate, London, England, EC2R 6AY
VAT registration number 206 9740 02
User Alert System provided by Advanced User Tagging v3.1.3 (Lite) - vBulletin Mods & Addons Copyright © 2017 DragonByte Technologies Ltd.
Feedback Buttons provided by Advanced Post Thanks / Like (Lite) - vBulletin Mods & Addons Copyright © 2017 DragonByte Technologies Ltd. Runs best on HiVelocity Hosting.
Celame (UK) Ltd Powered by vBulletin® Version 4.2.3
Copyright © 2017 vBulletin Solutions, Inc. All rights reserved.

To find out more about managing your money and getting free advice, visit the Money Advice Service,an independent service set up to help people manage their money.

TOP