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Statue barred, hire purchase, help
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Re: Assistance needed
Hi and welcome, a bit more info will be needed before anyone can help you. Please start a thread and give all the info you can with no personal details.
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Re: Assistance needed
Thank you for the quick response I have received a letter from Kearns solicitors representing IDR finance. Stating they're intention to register a CCJ against me for a historic debt. Was taken out in 2009, last payment was made in 2010. Default was registered against me in 2011.Comment
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Re: Assistance needed
I have already sent CCA request and CPR 31.14
i have received a letter back not sure how to upload it on here.Comment
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Re: Assistance needed
You can upload it using the 'Go Advanced' button next to post quick reply. Please remove or cover all your personal details before you upload it.Comment
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I'm not able to get the URL for my picture from my iPhone is there another way of uploading a picture?Comment
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Can you not take a picture and upload it?Comment
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Are you able to see my attachment?Last edited by Mista Blake; 12th February 2017, 14:08:PM. Reason: My personal details are on attachmentComment
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Re: Assistance needed
Yes but you have left your details on please cover or remove them if you can, You could fold the top bit with your name claim number etcComment
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Re: Assistance needed
Thank you, I've amended and re attached letterComment
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Re: Assistance needed
Great, am trying to get someone to take a look at thisit's Sunday so may not be as quick as you would like xx
[MENTION=42011]Nem[/MENTION]esis [MENTION=61310]diana[/MENTION]MComment
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Thank you, I appreciate it and will keep an eye out for your replyComment
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BumpComment
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Re: Assistance needed
[MENTION=55034]nemesis45[/MENTION] [MENTION=87380]Diana M[/MENTION] xxDebt is like any other trap, easy enough to get into, but hard enough to get out of.
It doesn't matter where your journey begins, so long as you begin it...
recte agens confido
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Re: Assistance needed
Was this a car Hire Purchase? If so what happened to the vehicle?Originally posted by Mista Blake View Post
Your last payment may have been in 2010 but the length of the loan (anticipated expiry date) and default date may have an impact on any Statute Barred argument.
That letter from Kearns Solicitors refers to your request for documents referred to in the POC. What did you send them? Was it a formal s. 77-79 CCA Request with a £1 postal order for the statutory fee and/or a CPR 31.14 Request identifying specific documents mentioned in the POC?
Litigation is an abrasive process and I often find solicitor's letters rather rude. They've asked you to withdraw your Defence. Unless you want to do that then don't. They say your Defence "holds no point of law whereby you might reasonably expect to defend the claim". They're entitled to their opinion but it's not their decision as to whether you have an arguable Defence or not - that's for the court to decide.
What stage have these proceedings reached? You've filed your Defence so if that was more than 28 days ago is the claim stayed or have you been sent a Directions Questionnaire by the court?
Was there PPI with this HP agreement?
Sorry for all the questions but it's best to get to the nitty gritty before making suggestions on how you should manage this claim.
DiComment
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