I'll get that sent back this week. Do i have to send my evidence/defence off or do i just sit on it until the actual court date, because when i rang to ask them to send me a N180 form out they told me that i have failed to submit any evidemce to support my claim? I'm so confused by the whole process and its stressing me out big time. Thanks, Dan.

Good evening, So yesterday i recieved a response from GB finance and investment, letter states as follows; R.E court proceedings. I write regarding your recent correspondance and enclose a statement of your account as requested. Our records note that you wish to dispute the amount owed and so we will be attending court to discuss this matter further. Please advise if you require and additional information in order to assist you with the pending court proceedings. Then attached is 3 pieces of paper where hes typed out the dates, a balance and an amount paid, another piece of paper that is typed up stating that R&J auto assigned the debt on 16.01.17 addressed to whom it may concern, and a copy of one of the contracts. I've also recieved a N180 form from Salford which i have to fill out and send back by the 18.05.17. I'm presuming that this is supposed to be my response to the CPR snd CCA request.

Good evening, Just a quick update... I've still not heard anything from GB regarding the requests, i have today received a letter from Salford saying my defence has to be submitted by the 18th May. I have a day off on friday so i'm going to start penning a few notes ready for submitting my defence. Dan

Yes, the address on the response pack says to send it back to Salford.

no, there is no password anywhere on the claim form. I've even looked on the response pack they sent in case it was on there somewhere but it isn't. Thanks, Dan.

Good evening, Just a quick update - As there was no solicitor listed on the claim form I posted the CCA request, postal order and CPR 31.14 to him yesterday, first class & signed for which I checked earlier and have confirmation was delivered to him at 1.05pm. the next step is responding to the claim, as it still wont let me respond online so I'm going to post it back to them. Am I right in saying that I need to send both the acknowledgement of service, and the defence and counterclaim forms but I do not write anything in the defence box, I just leave it blank? I've printed out all emails sent to and from him, along with spare copies of the CCA and CPR request, as well as the information found on R&J and GB financial from companies list. I've also printed out the details about the company from the FCA, and I searched the FCA number stated on the claim form which is registered to a R&J auto finance that is registered at his dads address, but in the Son and his mothers name, with a date registered as 27.02.17. I have also printed his dads obituary from the local paper, which states that he died suddenly on the 16th January 2017, as his son is claiming he was instructed to collect the debt on that day. Do I need to post any of this off with the acknowledgement, or do I just sit on it for a while? Also the 28 days to submit a defence does this start from the date of service stamped on the claim form which is the 21.04.17, or the date printed on the claim number sticker, which is the 18.04.17? sorry for all the questions, just a little puzzled as to where to go from here. Thanks, Dan.

Good morning, i've just logged in to money claims online, and it won't let me respond online, I have to fill out the response pack and post it back. so obviously I need to fill out the defence section, but do I need to send the acknowledgement of service too, to ask for 28 days to prepare the defence? And if this is the case the defence section has a box where I need to state my defence, what do I put in it? Thanks, Dan.

I'm off work in the morning so ill get the laptop out so i can read it all properly, and crack on with it. Thank you for your help, its really appreciated. Dan.

Will do, sorry for sounding daft but whats a cpr31:14 request? I'm not sure who his solicitor is as its not written anywhere? Yes, he did put there. He also spelt my husbands name with a ph, and im a daniel. Thanks, Dan.

So what would i need to state in the defence form? Would i state that he isnt licenced to collect money, and the old company dissolved etc. Thanks, Dan.

Name & name borrowed money from R&J auto finance (fca registration number 716425) there total outstanding is £8,800.00. The loan is now significantly in arrears and GB finance and investment limited were appointed on the 16th January 2016 by R&J auto finance to collect the loan. GBFI have tried to work with name and name on this matter and GBFI have indicated a willingness to agree a structured payment plan but name and name have refused to cooperate. Given the fact that name and name refuse to cooperate with GBFI on this matter then there is no alternative but to seek recourse via the courts. I should also add ive just noticed the court papers say he was instructed in 2016 but the initial correspondence states 2017.

Name of the Claimant ? GB investment Date of issue – 21.04.2017 What is the claim for – Name & name borrowed money from R&J auto finance (fca registration number 716425) there total outstanding is £8,800.00. The loan is now significantly in arrears and GB finance and investment limited were appointed on the 16th January 2016 by R&J auto finance to collect the loan. GBFI have tried to work with name and name on this matter and GBFI have indicated a willingness to agree a structured payment plan but name and name have refused to cooperate. Given the fact that name and name refuse to cooperate with GBFI on this matter then there is no alternative but to seek recourse via the courts. What is the value of the claim? £9,200 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Loan account When did you enter into the original agreement before or after 2007? After 2007, 2014 was the date on the last agreement. Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. By his son through a different company. Were you aware the account had been assigned – did you receive a Notice of Assignment? Only on the same day he sent me a letter asking for the money. Did you receive a Default Notice from the original creditor? No. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No. Why did you cease payments? Late 2014 What was the date of your last payment? Not exactly sure because it was paid cash. Was there a dispute with the original creditor that remains unresolved? Yes. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes, i sent him a SAR and never got the paperwork and i found out he had dissolved the company. Sorry forgot to mention in regards to a default notice, i didnt get anything on paper, but he did text saying payment is due on a weekly basis for a while.

Good afternoon, ive ignored all correspondence today i get a county claim form which i rang up and checked the legitimecy of. It states that they are claiming for money borrowed from R&J auto finance fca registeration number 716425. States they were instructed on the day his dad dies to collect the debt. The fca number comes back to his and his mothers name, trading as R&J auto finance as of 27.02.17. hes asked me for 3 different amounts. To be quite honest i dont know where i go from here, i rang citizens advice but they cant help on the phone i need to make an appointment to go and see them which is going to be difficult since i work all the hours god sends I have never denied owing someone the money, i stupidly borrowed it, i begrudge paying back an amount that seems to be plucked out of the air, just to line somoene elses pocket. It clearly isnt going to the company that it was owed to so i dont know what to do. I asked him for a copy of all the contracts and he has only sent me one dated april 2014.

I'll wait to see if he sends court documentation through he emailed me and offered me one last chance to arrange payment before he sends it to court.

Yes thats the one i found. But the adress on the letter, and contact telephone number is for a mobility shop he owns.