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Court Claim - Hillesden Securities Limited / Black Horse - 14-12-2015

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  • #16
    Re: Court Claim - Hillesden Securities Limited / Black Horse - 14-12-2015

    Originally posted by dixieboy View Post
    Unfortunately as i am not in the country i only get to see from photos. i couldnt read that text either but looks very short for a credit agreement so possibly there would have been more. The £1 refund would have been for the CCa request, which was sent. Many thanks
    My feeling would be to reject the " agreement" as incomplete and therefore non compliant with the CCA request.

    nem

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    • #17
      Re: Court Claim - Hillesden Securities Limited / Black Horse - 14-12-2015

      Originally posted by nemesis45 View Post
      My feeling would be to reject the " agreement" as incomplete and therefore non compliant with the CCA request.

      nem
      How does it work with the response time of just over 9 months. i thought information had to be received by me within 14 days. Also would this not be statute barred anyway as the last payment was made January 2010.

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      • #18
        Re: Court Claim - Hillesden Securities Limited / Black Horse - 14-12-2015

        Originally posted by dixieboy View Post
        How does it work with the response time of just over 9 months. i thought information had to be received by me within 14 days. Also would this not be statute barred anyway as the last payment was made January 2010.
        As to statute barred status the last payment date scenario has been somewhat overtaken by debt purchasers claiming the default date commences the 6 year limitation period..

        You need to be sure that no payments or written acknowledgments have been made in 6 clear years.

        The 12 + 2 working days to comply with a CCA request non compliance renders the debt unenforceable only Until the agreement or a complaint reconstituted one is supplied.

        nem

        Comment

        • #19
          Re: Court Claim - Hillesden Securities Limited / Black Horse - 14-12-2015

          As the claim was issued in Dec 15 , would the fact that a payment was attempted and returned in Jan 2010 scupper the Statute Barred claim?

          Was a defence ever lodged?

          I dont know but if not could they just apply to lift the obvious stay and get a default judgement?

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          SHORTCUTS


          First Steps
          Check dates
          Income/Expenditure
          Acknowledge Claim
          CCA Request
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          Subject Access Request Letter
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          NOTE: If you receive a court claim note these dates in your calendar ...
          Acknowledge Claim - within 14 days from Service

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          If you fail to Acknowledge the claim you may have a default judgment awarded against you, likewise, if you fail to enter your defence within 28 days from Service.



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