OK, so we know Nemesis is not the sharpest tool in the box, we also know he doesn’t bother reading threads and just copies and pastes his stock, boilerplate responses in order to clock up as many posts as he can, we also know the Beagles like that approach because they go for quantity over quality. Yes, we know all that yet it’s hard to believe they leave it all in the hands of someone who pays so little attention to the threads where he dishes out his advice.
Here we have a poster who has said he’s received a claim for £34,024.16. He’s given a very accurate figure, right down to the penny. There may be a typo somewhere, since CapOne credit cards don’t usually have such high credit limits, in fact, it’s unusual for any credit card to have such high limits.
The OP has also said the debt is statute barred, despite the particulars of claim indicating an agreement entered into on or around February 2010. Nemesis has picked up on that one, however, there’s been no mention of the amount. I’d want to make sure we have the amount right to start with, is it really £34k? If it is, then this poster’s in a real pickle, because the agreement is from 2010, so not likely to be irredeemably unenforceable, and CapOne should have no trouble producing a copy. A claim for that amount would be allocated to the multi track where costs are routinely awarded against the losing party. This is something that should always be mentioned, yet it never is, and it’s most irresponsible of the Beagles to leave it all in Nemesis most incapable hands as we have seen here.
Note his air of importance where he says he’ll be away till 4:30, making it sound like he’s running his own practice or something. Doesn’t it occur to him that maybe, just maybe, someone else may be able to help? After all, it’s a site with 70,000 members! Having said that, most of those who could have helped, have been banned!
Also note how he says “There’s a template for this in the forum library”. A new poster wouldn’t know the forum library from Adam! Nemesis must suffer from some kind of disability that prevents him from posting links, I don’t think I’ve ever seen him post one. The disability in question is called laziness, and I don’t think it’s a protected characteristic under the Equality Act 2010 so I guess I’m free to talk about it.
Do we think the same disability is responsible for him not having spotted the amount quoted? Maybe, or it could be a different disability altogether. In any case, he’s neglected to ask the most important question and to mention the costs potential.
I have to say the post does look a bit fishy, the amount quoted right down to the penny, yet way too high for a CapOne card, the mention of statute barred and an account opened just six years ago. If it was a loan, it’s possible no payments were ever made, yet it still wouldn’t be statute barred when the claim was issued, but there’s no way to have racked up over £34k on a credit card that quickly. Things don’t add up, perhaps this is one of them spoof posts mentioned here. Even if it is, it’s the “advisor’s” duty to try and get to the bottom of it and to cover all basis.