% of CCJ cases that are won compared to lost ?

[Amethyst]

Re: % of CCJ cases that are won compared to lost ?

I am in court tomorrow morning and could NEVER have got the courage and strength to challenge my case if it had not been for all the help and support from the kind people on this site - who I appreciate are volunteers and take time out of their own busy lives to help others. I have tried to call and speak to various organisations by searching on the internet, including the likes of a law center. They were either clueless or said that they were so busy that the first available appointment to see someone would be at the beginning of February.

Legal beagles have not only helped me practically over the last six years but also saved my sanity on many occasions.

Best of Luck tomorrow Ruby - good to hear you have spoken with PT on the technical aspects of the CCA - go kick ass xxx

[Ruby]

Re: % of CCJ cases that are won compared to lost ?

I have done as much homework as I possibly can now so I think what will be will be tomorrow. I have to be honest though I am feeling 'quietly confident'. I will think of you all whilst I am in the court room and remember all your good wishes.

The reason I felt compelled to add my penny's worth to this thread is because there are a number of well meaning organisations out there but speaking from personal experience far too few organisations (many funded by the government) are trained in helping with court cases and debt collection agency antics :tinysmile_cry_t:

[Mineral1]

Re: % of CCJ cases that are won compared to lost ?

The question of paying statute barred debts was the subject of a " debt collection" campaign some years ago along the lines of
if I remember.

"xxxxxx knows YOUR DEBT is statute barred but you know that morally you should pay your debt and get peace of mind that you have met your obligations".

I believe it was the same crew that wrote to " their customers" in February one year saying " That now your council tax and water bills are finished until April why not use your spare cash to pay your xxxxxxxx account".

Morality from the debt " industry"???????

Immorality is a form of morality!!!

[nemesis45]

Re: % of CCJ cases that are won compared to lost ?

:tape2:

Immorality is a form of morality!!!

[Mineral1]

Re: % of CCJ cases that are won compared to lost ?

I am in court tomorrow morning and could NEVER have got the courage and strength to challenge my case if it had not been for all the help and support from the kind people on this site - who I appreciate are volunteers and take time out of their own busy lives to help others. I have tried to call and speak to various organisations by searching on the internet, including the likes of a law center. They were either clueless or said that they were so busy that the first available appointment to see someone would be at the beginning of February.
Legal beagles have not only helped me practically over the last six years but also saved my sanity on many occasions.

But for the grace of God Ruby... Anyone can end up walking in your shoes!! Will spare a thought for you tomorrow and others fighting those who wish to litigate for gain! :-) :tongue2:

[andy1ad]

Re: % of CCJ cases that are won compared to lost ?

'' I am just looking around the other areas of the forum and see we have a concluded cases and there are just 22 threads of wins ''

That'll be my fault not moving threads to the right places.

Many of the original request for help threads also 'die' because the original poster fails to provide updates and so no one ever gets to know what happened. I.e. There should be no negative connotations attached to the actual advice given in these threads because we simply don't know whether the posters ever followed up on what was recommended and the consequent outcomes due to their failure to post updates.

[Amethyst]

Re: % of CCJ cases that are won compared to lost ?

Thanks Andy, I do need to go through and conclude those I know about really so will try find some time over next week or so to do that, but yes lots of people do tend to 'fade' away once their cases come to an end, often its where they have had a notice of discontinuance or the claim has been stayed ( sometimes they come back on a year later when a creditor tries to pick up the case again ) but once a case is 'sorted' many don't come back to let us know, which is a shame.

Maybe I should sort out an 'update reminder' once in a while

[PAWS]

Re: % of CCJ cases that are won compared to lost ?

Let’s hope Ruby will be one of those positive results this time tomorrow.
:cheer2:Go Ruby! We are all rooting for you and will be waiting for you to come home and let us know how you get on.

[Ruby]

Re: % of CCJ cases that are won compared to lost ?

Update - Case stopped !!!!!

Cabot's rep said that Cabot are still requesting compliant paperwork from the original creditors however we stated that it is now well into the fourth month since Cabot received our CCA request and they have had more than enough time to supply the compliant paperwork. Judge agreed - and the case has been stopped.

Once again I would like to thank all those who have helped me and encouraged me to fight the good fight. Special thanks to Amethyst, FP, M1 and PT - you are earth angels It took me a while to get my head around all the issues involved and your patience and guidance has been very much appreciated.

On the side, I found a piece of paperwork which I am sure was not meant for my viewing pleasure. Cabot bought the two accounts for £140 - they were taking us to court for just over 4K!!!! I am sure once they have paid the court fees and the solicitors who represented them, it would have cost them a lot more than what they paid to buy the accounts - JOB WELL DONE aw:

[Amethyst]

Re: % of CCJ cases that are won compared to lost ?

Brilliant Ruby - well done you xxxxx You are an inspiration to others xxxx

£140 is rather cheap, I'd have expected something more like £400 ... tsk !

[PAWS]

Re: % of CCJ cases that are won compared to lost ?

Wheyhey! :bounce:Well done Ruby and all the Beagles who gave such sound advice and support.:thumb: I was thinking of you today and can’t get that Donald Fagan song ‘Ruby Baby’ out of my head!
I know that very few cases would be won without the expert help and support given by the Beagles but we cannot underestimate the courage required by the defendants. Going up against these big boys with their legal teams, big resources and sharp practices is terrifying. Having the guts to stand up to them is not just showing outstanding bravery, it gives other courage. It also provides information for the rest of us and some incidences set a precedent that may be referred to in future cases. It is no exaggeration to say that people who have the courage to defend their case may contribute towards changing legislation and saving many others great hardship and distress.

[Amethyst]

Re: % of CCJ cases that are won compared to lost ?

we cannot underestimate the courage required by the defendants. Going up against these big boys with their legal teams, big resources and sharp practices is terrifying. Having the guts to stand up to them is not just showing outstanding bravery, it gives other courage.

Absolutely, utterly agree with you.

[EXC]

Re: % of CCJ cases that are won compared to lost ?

Nice one Ruby.

I take it the claim has been struck out rather than stayed?

[pauulss]

Re: % of CCJ cases that are won compared to lost ?

Great result Ruby !!
After my initial gloom and doom of "is it all worth it" yesterday, a success arrives the day after !!
WONDERFUL STUFF !!

[Amethyst]

Re: % of CCJ cases that are won compared to lost ?

Another one reported today too pauulss http://t.co/fAf9mvgqSr