Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)




Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.

The book is easy to understand and clearly explains the rights a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
923 Finchley Road
London
NW11 7PE



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  1. #1
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    Default County Court Claim - please help me fight this

    hi
    An old accounting firm i used back in 2000/2004 has lodged a claim against me. They were accountants for my company which ceased trading in 2003. Particulars of claim is
    (1) a debt of £ 4810.50 arising from agreements in respect of goods and services particulars of which appear in invoices in April 2004 and
    (2) interesticon pursuant to S.69 of the County Cort Act 1984 interest particulars 01/06/2004 2096 days @ 8% on 4810.50 # 2200.80 Invoice o. 593738

    I no longer have details of the agreement or invoices. I ceased using this firm of accountants since 2004.

    I have not received any reminders or notices.

    the claim is now made against me personally as opposed to my ex.Ltd company.

    As the issue date of the claim was 01/03/2010 - i submitted an acknowledgement of Service onm line, just now.

    I need them to give me copies of allinvoices/agreements i signed

    I spoke with one of the partners last year. He told me I was personally liable for their fees becuase there is a clause which stated this in the agreement I signed originally. I do not remember reading this.

    But it was some years ago.

    In the light of the above - pl advise what I can do to defend this claim and what steps i need to take.

    Thank you very much
    BF


  2. #2
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    Default Re: County Court Claim - please help me fight this

    1. you need to get a copy of that agreement from them
    to see whether you are personally liable, do you have it?, if not you can force them to provide

    Is the company formally wound up i.e. does not exist?

    Sounds to me like they are p***ing in the wind, for what its worth

    Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

  3. #3
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    Default Re: County Court Claim - please help me fight this

    If there is a genuine debt, they have clearly just realised it is about to become statute barredicon - hence the urgent activity.

    Can't be a very good accountant if they missed the fact that someone hadn't paid them nearly five grand for six years...

    Also, if your company was wound up in 2003, why were they still doing work for you in 2004?

    “The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

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  4. #4
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    Default Re: County Court Claim - please help me fight this

    Hi CCM and DB - many thanks for replying

    CCM -
    a) i hv written to their solicitors (Thomas Higgins) asking for copies of everything.
    b) Yes company ceased trading and was struck off by Companies house in 2003 - so does not exist.
    well i hope they are doing as you say.

    DB - i think the invoice in Apr 2004 was for work done in 2003 - i wont know till i get the documentation.

    As I said - i hv done an on-line Acknowledgement of service - which means i now have another 14 days to put in a defence - which i cannot do until i receive copies of documentation from Thomas Higgins.

    do you know of any forms/guidances/site i can visit to do some research so i can fight this as i am pretty broke at the moment and cannot afford a solicitor.

    one thing that really bugs me is as i said in my posting - i spoke with one of the partners of the accountants last year - who said that there is a clause in the agreement i signed - where i am to be held personally liable should the company go bankrupt or cease trading. - i do not remember reading this - may be i missed it .... i really cannot remember. I do read everything before i sign anything - so i am disgusted with my self if this was the case. Not with standing this, when you take out a mortgageicon or a loan - as you are personally liable "... your home may be at risk if you do not keep up the repayments..." are they not obliged to notify that they will hold you presonally liable for their fees should your company cease trading?

    thanks very much - B/F


  5. #5
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    Default Re: County Court Claim - please help me fight this

    Ask to see the original of the agreement they say you signed!

    “The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

    If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

  6. #6
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    Default Re: County Court Claim - please help me fight this

    Aswell as the Agreement, you should use CPR 31.14 to request a copy of your agreement and the original invoice, along with a Breakdownicon of exactly what the bill is for. If they want to include interesticon, they should have been sending you statements.

    The CCA now requires creditors under a regulated fixed sum agreement (with a term of more than 12 months) to provide annual statements. This requirement is contained in a new section 77A of the CCA .Failure to comply with this section will mean that the debtor is not liable to pay interest or other default payments in respect of any period of non compliance when a statement is due, but has not been sent nor will the creditor be able to enforce the agreement during the period. This provision will apply to existing agreements as well as agreements made after commencement of this requirement.



  7. #7
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    Default Re: County Court Claim - please help me fight this

    It's not a CCA issue - just an invoice, so CCA does not apply.

    “The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

    If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

  8. #8
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    Default Re: County Court Claim - please help me fight this

    Hi - thanks DB and Debbbs.

    Your comments are very interesting

    - I am not sure if they have sent statements. I have not seen them.

    if they were sending statements, they would be addressed to my company whose registered address would be my previous house. The writ is addressed personally to me at my new house.(I moved in 2005)

    Should I ask to see the statements?

    As I said I hv written to their solicitors asking for
    a) the original agreements
    b) all invoices
    and i will let you know as soon as i hear from them

    Many thanks to you.
    BF


  9. #9
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    Default Re: County Court Claim - please help me fight this

    I doubt that sent statements. As mentioned, it is about to become SB, so they are desperate to see if they can get some money from you.

    Make sure that in all correspondence you deny owing them any monies at all. If this drags out until April, that's the end of it.

    “The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

    If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

  10. #10
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    Default Re: County Court Claim - please help me fight this

    Hi DB

    Many thanks. I'll stipulate this in my letter to their solicitors. meantime, what if they claim they sent statements?
    thanks
    BF


  11. #11
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    Default Re: County Court Claim - please help me fight this

    You can only wait and see. Was there a formal demand or letter before actionicon?

    “The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

    If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

  12. #12
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    Default Re: County Court Claim - please help me fight this

    HI DB
    good point - No I did not receive any.
    thanks BF


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    Default Re: County Court Claim - please help me fight this

    Make sure all correspondence with their solicitors is sent at least recorded signed for, we don't want them saying at the hearing that they haven't received such a request! require them to provide you with the full agreement, this must contain your signatureicon, and all invoices pertaining to alleged debt

    Leave them in no doubt that you require them to demonstrate legally that you are PERSONALLY liable for this alleged debt

    Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

  14. #14
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    Default Re: County Court Claim - please help me fight this

    Hi CCM
    Good point - Many thanks / BF


  15. #15
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    Default Re: County Court Claim - please help me fight this

    have i missed something here

    you said it was a limited company

    in which case it is a legal entity in its own right ( dead or alive) so as a director or shareholder you are not responsible for its debts


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    Default Re: County Court Claim - please help me fight this

    just noticed re the clause

    unless you signed as guarantor for the company i would say the clause is as about as useful as a chocolate fireguard


  17. #17
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    Default Re: County Court Claim - please help me fight this

    HI Diddydicky
    thanks for yr posts - yes you are right on both. but i hv not seent he agreement nor do i remember agreeing to it. If they inserted this clause without my knowledge or if it was there at the time and i missed it....i hv no idea.

    i have asked for all copies of agreement invoices etc.

    My quesiton is as accountants, should they not announce that "...you are personally liable if the company folds/cease trading to pay our fees..."
    just like when you take out a mortgageicon .. "your home may be at risk...etc.

    anyway - will update when i receive all the copies.

    thanks again diddydicky
    all the best/BF


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    Default Re: County Court Claim - please help me fight this

    yes you need the agreement

    also when i was a co director we had to sign the accountancy documents every year

    it could well be that that agreement was valid only for the one years accounts

    certainly you can do nothing other than an embarrassed defence until that document is provided


  19. #19
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    Default Re: County Court Claim - please help me fight this

    HI Diddydicky

    thanks - good point. I'll check this out too as soon as i receive the papers from them and get back to you

    many thanks/BF


  20. #20
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    Default Re: County Court Claim - please help me fight this

    I have a copy of my standard T&Cs (for want of a better phrase) from my accountant from years ago, never updated - I'm sure it's a template doc used widely in the industry. No mention of personal liability, as far as I can recall.

    I'll dig it out in case it's of use - does any other Cagger who runs a business have a document from their accountant which, I think, sets out 'how we will conduct our business with you'?

    “The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

    If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.


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