Any help gratefully received with a NCCBC which have been recieved.

[jacksmummy2011]

Re: Any help gratefully received with a NCCBC which have been recieved.

Good afternoon All,

Just about to acknowledge the claim online, all other letters have been sent to the relevant people with postal orders.

If I click 'Defend in Full' when acknowledging can I later change the if I need to (pending the responses to CCA , CPR & SAR).

Many Thanks in Advance. x

[Kafka]

Re: Any help gratefully received with a NCCBC which have been recieved.

Defend in full and see what they can come up with as evidence to justify the claim.

[jacksmummy2011]

Re: Any help gratefully received with a NCCBC which have been recieved.

Thank you Kafka x

[jacksmummy2011]

Re: Any help gratefully received with a NCCBC which have been recieved.

Hi All, Posties just been. Had a reply from the current owner Marlin to say they have requested a statement of account along with a copy of the agreement from the original creditor. Its also says that my account is now being dealt with mortimer solicitors and that all future correspondence should be directed there.

They've attached a statement from what looks to be like their system, and stepchange/cccs payments looks like they were being sent to them and according to their records ceased in February 2012, Monthly interest was then applied.

Does this mean that I shouldn't defend in full? As they were clearly receiving payments from me?

Any advice grateful received x

[Amethyst]

Re: Any help gratefully received with a NCCBC which have been recieved.

They will still need to supply you with a copy of the agreement and terms under the CCA, so hang fire.

[Kafka]

Re: Any help gratefully received with a NCCBC which have been recieved.

Defend in full because we still don't know what they can produce. If they produce a valid copy of the agreement then basically that can't be challenged, but there are other things to consider as well and they still have to comply fully with your CCA and CPR requests and we're a long way off seeing that yet.

If the date of service was only 21st then you still have 33 days from then before the defence deadline comes. If they still haven't complied fully with the CCA and CPR requests by then we can ask for an extension of up to 28 days more too. What I'm hoping is that there are delays until we get the SAR stuff back and that will tell us whether they can enforce and whether they comply. It'll also show us what charges have been added on so even if they can enforce this at least we can counterclaim for the charges to reduce the amount.

That's all in the future so its a waiting game now.

[jacksmummy2011]

Re: Any help gratefully received with a NCCBC which have been recieved.

Thank You Amethyst & Kafka,

They show 3 interest amount applied after the last payment from CCCs of:

£60.70 - 3/4/12
£59.47 - 3/5/12
£62.23 - 01/06/12

I would expect there was interest before and after that added on which might be why the amount is so high.

Just to be sure, the SAR has a 40 day time and the CCA (7 days) & CPR have 12 working days....? (just so I can make a date in my diary to chase. x

[Amethyst]

Re: Any help gratefully received with a NCCBC which have been recieved.

CPR - 7 days

CCA 12+2 days ( so 14 days)

SAR - 40 days


Your important date is the DEFENCE DUE date so keep an eye on that one, as we'll need to either put in a defence or ask the otherside to agree an extension a few days before then.

[Amethyst]

Re: Any help gratefully received with a NCCBC which have been recieved.

If the date of service was only 21st then you still have 33 days from then before the defence deadline comes. .

Sorry Kafka, it's 33 days from DATE OF ISSUE (as printed on the claim form) - 28 days from date of service. They allow 5 days for service, so it is safer to go off the Date of Issue.

[jacksmummy2011]

Re: Any help gratefully received with a NCCBC which have been recieved.

Thanks Amethyst, the defence due sate is a sunday 24th Nov, so should I submit by the Friday 22nd? Many Thanks.

[Amethyst]

Re: Any help gratefully received with a NCCBC which have been recieved.

Yes, best to get it sorted to go on the 20th in that case

[Kafka]

Re: Any help gratefully received with a NCCBC which have been recieved.

Sorry Kafka, it's 33 days from DATE OF ISSUE (as printed on the claim form) - 28 days from date of service. They allow 5 days for service, so it is safer to go off the Date of Issue.

Sorry, my mistake but date was right. Dealing with too many threads at one time!

[Kafka]

Re: Any help gratefully received with a NCCBC which have been recieved.

Thanks Amethyst, the defence due sate is a sunday 24th Nov, so should I submit by the Friday 22nd? Many Thanks.

The key thing is that you must get something in the court by that date and preferably a day or two before in case there are any hiccups. Ideally that would be the full defence, but that can only be done properly once they have complied with all of your requests. If they haven't done that by that time then you can ask them to agree an extension and notify the court. If they refuse that then the best option is usually to submit a holding defence, which fulfills your obligation to submit, while stating that you still can't supply a full defence because they haven't yet complied fully with their obligations.

[vanman]

Re: Any help gratefully received with a NCCBC which have been recieved.

There seem to be quite a few companies with the same address :

thats what i deleted take a look at the Company Directors most are also Company Directors of cabot aswell
https://www.opencompany.co.uk/profil...id-rossroberts

[jacksmummy2011]

Re: Any help gratefully received with a NCCBC which have been recieved.

Thank you again guys really appreciate all the direction I'm getting from here. Although now I'm addicted to the site and can't stop reading things every chance I get Hubby thinks I'm crazy!