Skyman v BlackHorse

[skyman]

Hi, please help.

I received a county court claim form from Hillesden Securities Ltd T/A DLC.

Amount with court fees £1712.52
Hillesden Securities Ltd Amount: £1527.52

In 2004 I bought a finance car from Black Horse company about £9000+ so I paid until 2009 and only around £700 i think was left, i was told that I can do a PPI claim, I called them and they said they wi send the form but they never did, I was keep calling them and always they were playing different games, so I finally send them a letter and informed them that I wont be paying anymore as I believed they are owing me money for PPI.

I cancelled my direct debit and then they contacted me I told them that you ignored me so i will do the same thing. I tod them i can only pay £5 a month so from maybe the end of te 2009 till 2012 or 2013 I was paying directly to Black horse, then I received a letter from debt collector, i contacted Black H company and asked them why Debt collector chasing me they said you should be paying the money to them not US I said why you didnt inform before, I told them since U never informed me to whom I shoud have made the payment then I will stop the payment fully.

So for the last few years Debt collectors been sending me a letters and some time they even asked me to pay ony £500 then i ignored them. last montha i received a letter from Mortimer Clarke Solicitors with Monthly Expenditures form, asking for £1527.52.
I ignored them again and now they send me county court claim form.

By the way on my credit file there is nothing been mentioned about this Black Horse company at all.


I don,t know what steps to take Please advise
Thank you in advance.

[nemesis45]

Re: Skyman v BlackHorse

Nem THANK YOU SO MUCH,
THANK YOU ALL FOR YOUR KIND SUPPORT,THANKS TO THE EXCELLENT WEBSITE.


WISHING YOU ALL IN ADVANCE, MERRY CHRISMATS AND ALL THE BEST TO ALL OF YOU AND YOUR FAMILES.


eace::rockon:

Thanks Skyman!!

Have a great Christmas:w_nikolaus_187::santawalk:

nem

[skyman]

Re: Skyman v BlackHorse

Nem THANK YOU SO MUCH,
THANK YOU ALL FOR YOUR KIND SUPPORT,THANKS TO THE EXCELLENT WEBSITE.


WISHING YOU ALL IN ADVANCE, MERRY CHRISMATS AND ALL THE BEST TO ALL OF YOU AND YOUR FAMILES.


eace::rockon:

[nemesis45]

Re: Skyman v BlackHorse

Hi Nem,

Refer to the above advise, I have been wating to get a copy of the T's & C's from DLC, They sent me the attached letter, they are saying due to the age of the account the terms and conditions are not availabe, they sent me a copy of the Credit Agreement again only.

I have also received a letter from M/C solicitors, they are saying that the Clint instucted them to DISCONTINUE proceedings and close the files.

Can you please see attchaed letters and advise me what do I need to now.

Thank you so much for your kind help.

Hello Skyman,

That's a nice Christmas present!!!

Worth waiting for.:rockon:

You can expect some winging and wining along the lines of we know we can't enforce the debt but we are sure you really want to pay us etc.

These letters can be filed, fired or dumped.

You win!!

nem

[skyman]

Re: Skyman v BlackHorse

Thanks Nem,

So what happened do I need to do anything?

Thank you so much.

[charitynjw]

Re: Skyman v BlackHorse

[MENTION=55034]nemesis45[/MENTION]

[skyman]

Re: Skyman v BlackHorse

Hi Nem,

Refer to the above advise, I have been wating to get a copy of the T's & C's from DLC, They sent me the attached letter, they are saying due to the age of the account the terms and conditions are not availabe, they sent me a copy of the Credit Agreement again only.

I have also received a letter from M/C solicitors, they are saying that the Clint instucted them to DISCONTINUE proceedings and close the files.

Can you please see attchaed letters and advise me what do I need to now.

Thank you so much for your kind help.

[nemesis45]

Re: Skyman v BlackHorse

Hi Nem,

Thank you, I will wait to see if they can get the T's & C's. I will update in here. Thank you so much for your kind help.

Happy to Help !!

nem

[skyman]

Re: Skyman v BlackHorse

Hi Nem,

Thank you, I will wait to see if they can get the T's & C's. I will update in here. Thank you so much for your kind help.

[nemesis45]

Re: Skyman v BlackHorse

Hi Nem, Thank you,

What I need to know is why,,,,,, when few months ago when (MC) sent me the court letter, I defended the case and DLC did not respond to the court within the 28 day deadline the court stayed the claim, and DLC never provided me the copy of the Credit Agreement on time, so its nearly over 4 months the court stayed the claim now they are sending me the copy of the Credit Agreement.

Can they really do this ? Is this means they will start the court process again?

Please see the below link, on this page you can see when I had a discussion with you during my claim defence time.

http://legalbeagles.info/forums/show...ackHorse/page2


Thank you so much for your kind help.

Hello Skyman,

The claimant can restart a stayed claim at any point by paying a court fee to have the stay lifted.

nem

[skyman]

Re: Skyman v BlackHorse

Hi Nem, Thank you,

What I need to know is why,,,,,, when few months ago when (MC) sent me the court letter, I defended the case and DLC did not respond to the court within the 28 day deadline the court stayed the claim, and DLC never provided me the copy of the Credit Agreement on time, so its nearly over 4 months the court stayed the claim now they are sending me the copy of the Credit Agreement.

Can they really do this ? Is this means they will start the court process again?

Please see the below link, on this page you can see when I had a discussion with you during my claim defence time.

http://legalbeagles.info/forums/show...ackHorse/page2


Thank you so much for your kind help.

[nemesis45]

Re: Skyman v BlackHorse

Hi Nem,

Thank you, So what do I need to do at the moment just wait? What would happen?

Thank you for your help.

Start composing a defence, see templates in the green box above, it will help you with format and content.

The T's & C's if they can get them will need careful checking to be sure they are the ones relevant when the account was opened.

nem

[skyman]

Re: Skyman v BlackHorse

Hi Nem,

Thank you, So what do I need to do at the moment just wait? What would happen?

Thank you for your help.

[nemesis45]

Re: Skyman v BlackHorse

Hi Nem,

Thank for the reply, please find the attached letters.

Thank you so much.

Good morning,

What happens next will depend on the Ts & Cs if they can get a copy which is relevant to the agreement.
nem

[skyman]

Re: Skyman v BlackHorse

Hi Nem,

Thank for the reply, please find the attached letters.

Thank you so much.