Search
 
 

Display results as :
 


Rechercher Advanced Search

Latest topics
» \derbyshire Po-lice's Turn
by assassin Today at 2:01 am

» More Smart Meter - The New Scam
by freeland Today at 1:46 am

» Advice needed for dealing with a dca
by danta007 Yesterday at 10:07 pm

» CCJ circa 2013 vs Santander, now Cabot/Mortimer Clarke chasing
by waylander62 Yesterday at 8:14 pm

» Food Fairs
by daveiron Yesterday at 6:39 pm

» Raconteurs News and Sol Excalibre
by eargoggles Yesterday at 2:42 pm

» Sister owes creation finance £20000
by waylander62 Yesterday at 12:24 pm

» Halifax overdraft victory!
by waylander62 Mon Jan 21, 2019 9:40 pm

» Threatened bankruptcy proceedings
by ande Mon Jan 21, 2019 8:26 pm

» sol excalibre with cookiemonster
by Society of the Spectacle Mon Jan 21, 2019 7:41 pm

» EU and Common Law
by assassin Mon Jan 21, 2019 6:49 pm

» Old member of GOODF
by assassin Mon Jan 21, 2019 2:17 am

» DWP taking alleged JSA overpayment from 2013 from my State Pension and ignored letter asking for details and to stop
by davidg4039 Sun Jan 20, 2019 5:32 pm

» Police search warrents
by daveiron Sun Jan 20, 2019 1:46 pm

» remedy for P.C.N/COUNCIL TAX
by daveiron Sat Jan 19, 2019 3:02 pm

» Robinson way success
by nautilous Sat Jan 19, 2019 10:20 am

» Ceylon
by Mrblue2017 Sat Jan 19, 2019 8:37 am

» Introducing
by freeland Sat Jan 19, 2019 2:14 am

» posting a reply
by freeland Sat Jan 19, 2019 2:12 am

» BBC name sex abuse victim.
by midnight Fri Jan 18, 2019 9:50 am

» An Afternoons Thoughts
by assassin Thu Jan 17, 2019 4:05 pm

» Nottinghamshire Police In Action
by daveiron Thu Jan 17, 2019 12:11 pm

» My way of dealing with DCA
by barnwebb Wed Jan 16, 2019 8:57 pm

» DWP Information Appeal
by Kestrel Wed Jan 16, 2019 8:07 pm

» Reality chat , every wednesday at 8pm (ish)
by Society of the Spectacle Wed Jan 16, 2019 7:21 pm

» Man gets a visit from the Chilli Sauce Police!
by Society of the Spectacle Wed Jan 16, 2019 7:19 pm

» Brexit Survival
by assassin Wed Jan 16, 2019 3:15 am

» RBS Credit Cards
by daveystoat Tue Jan 15, 2019 11:23 am

» Your credit debts written off.
by Society of the Spectacle Mon Jan 14, 2019 6:43 pm

» Credit card agreement misfiled and they can't find it!
by Prometheus Mon Jan 14, 2019 11:19 am

» Postal Speeding Notice
by Ausk Mon Jan 14, 2019 8:07 am

» Will a debt purchaser register a new, more recent default?
by Mrblue2017 Sun Jan 13, 2019 10:06 pm

» Brown all CAPS window letter with "Defendant" visible!
by waylander62 Sun Jan 13, 2019 8:38 pm

» More Food Truths
by assassin Sun Jan 13, 2019 2:44 am

» Project Fear
by assassin Sun Jan 13, 2019 1:48 am

» Hello - Great to Find You!
by assassin Fri Jan 11, 2019 12:35 pm

» speeding tickets
by LionsShare Fri Jan 11, 2019 10:28 am

» War In Iran?
by Ausk Fri Jan 11, 2019 7:34 am

» Lowell Solicitors
by waylander62 Thu Jan 10, 2019 9:40 pm

» Fined because her dogs lead was too long.
by Ausk Thu Jan 10, 2019 10:02 am

» Serving Paperwork
by assassin Wed Jan 09, 2019 7:30 pm

» Agressive UUI's - utter scum, Civil Enforcement Officers
by assassin Wed Jan 09, 2019 7:02 pm

» Lowell threatening me Again !!
by barnwebb Wed Jan 09, 2019 2:12 pm

» 2 New letters received from DCA acting as agents on behalf of client- Please Advise
by Emilybm Tue Jan 08, 2019 12:59 pm

» Cabot- is there a realistic chance to fight them?
by assassin Tue Jan 08, 2019 2:09 am

» The Bacteria & Parasite Deception Raw Food fearmongering
by toolapcblack Mon Jan 07, 2019 2:55 pm

» The Human Apex Predator vs. Mentally Disabled Vegans
by toolapcblack Mon Jan 07, 2019 2:34 pm

Moon phases


Mediation Time. How to fire off your defence?

Go down

Mediation Time. How to fire off your defence?

Post by onak on Sun Oct 14, 2018 6:26 am

A debt purchaser of credit card debt ignored my 3 Notice letters requesting proof of liability (shock horror!) and began legal proceedings against me anyway.

I stopped the court process by submitting a complaint to the Ombudsman and going through their Dispute Resolution Process.

The Debt Purchaser has therefore finally been forced to disclose documents on me and this debt.

Their documents include my own 3 Notice letters, Original credit card Statements, Original Default Notice, and an assignment notice between the debt Purchaser and .. the debt purchaser sister company! No legal assignment as far as I can deduce. No original agreement. No deed.

I now have to respond to the Ombudsman.

I am getting all my ducks in a row and have several defences in relation to breaches of:-
*Consumer Law (lack of disclosure - why should I keep asking while they ignore and keep charging me, and at an unlawful rate)
*Credit Law (no agreement provided and yet they are listed in my credit report under a Default Notice)
*Criminal Law (fraudulent misleading docs posing as original creditor).

My question is, do I pull the trigger on these defences all at once? Does anyone have real life experience on this?

My main purpose for posting this is that we all have stories that might help each other to cover all angles and offer insights into new areas, or where the reader might be able to contribute to this one. Otherwise what's the point in it all. Smile

The Ombudsman decision is binding, so I need to treat it like a court.

It is worth nothing that while this is happening in Australia the process is a universal one. I am British and have gone through similar process in England, there are equivalent laws, the process of defence and what to look for and call them out on is the same. I believe the process in Australia is much faster simply due to the size of the marketplace and resources.

So, if I can overcome these praying mantis then I suspect the aforementioned defences are worth noting for UK folk experiencing the same pressures and stress.

onak
Not so newb
Not so newb

Posts : 15
Join date : 2018-08-19

Back to top Go down

Back to top


 
Permissions in this forum:
You cannot reply to topics in this forum