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    • In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us] 1 defendant   Which Court have you received the claim from ? County Court Business Centre, Northampton   Name of the Claimant ? LC Asset 2 S.A R.L   Date of issue – . 28/04/23   Particulars of Claim   What is the claim for –    (1) The Claimant ('C') claims the whole of the outstanding balance due and payable under an agreement referenced xxxxxxxxxxxxxxxx and opened effective from xx/xx/2017. The agreement is regulated by the Consumer Credit Act 1974 ('CCA'), was signed by the Defendant ('D') and from which credit was extended to D.   (2) D failed to comply with a Default Notice served pursuant to s87 (1) CCA and by xx/xx/2022 a default was recorded.   (3) As at xx/xx/2022 the Defendant owed MBNA LTD the sum of 12,xxx.xx. By an agreement in writing the benefit of the debt has been legally assigned to C effective xx/xx/2022 and made regular upon C serving a Notice of Assignment upon D shortly thereafter.   (4) And C claims- 1. 12,xxx.xx 2. Interest pursuant to Section 69 County Courts Act 1984 at a rate of 8% per annum from xx/01/2023 to xx/04/2023 of 2xx.xx and thereafter at a daily rate of 2.52 to date of judgement or sooner payment. Date xx/xx/2023   What is the total value of the claim? 12k   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card   When did you enter into the original agreement before or after April 2007 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes, but amount differs slightly   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. DP issued claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I recall...   Did you receive a Default Notice from the original creditor? Not that I recall...   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Loss of employment main cause   What was the date of your last payment? Early 2021   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No   -----------------------------------
    • Hello CAG Team, I'm adding the contents of the claim to this thread, but wanted to open the thread with an urgent question: Do I have to supply a WS for a claim with a court date that states " at the hearing the court will consider allocation and, time permitting, give an early neutral evaluation of the case" ? letter is an N24 General Form of Judgement or Order, if so, then I've messed up again. Court date 25 May 2024 The letter from court does not state (like the other claims I have) that I must provide WS within 28 days.. BUT I have recently received a WS from Link for it! making me think I do need to!??
    • Massive issues from Scottish Power I wonder if someone could advise next steps. Tennant moved out I changed the electric into my name I was out the country at the time so I hadn't been to the flat. During sign up process they tried to hijack my gas supply as well which I made it clear I didn't want duel fuel from them but they still went ahead with it. Phoned them up again. a few days later telling them to make sure they stopped it but they said too late ? had to get my current supplier to cancel it. Paid £50 online to ensure there was money covering standing charges etc eventually got to the flat no power. Phoned Scottish Power 40 minutes to get through they state I have a pay as you go meter and that they had set me up on a credit account so they need to send an engineer out which they will pass my details onto. Phone called from engineer asking questions , found out the float is vacant so not an emergency so I have to speak to Scottish Power again. Spoke with the original person from Scottish Power who admitted a mistake (I had told her it was vacant) and now states that it will take 4 weeks to get an appointment but if I want to raise a complaint they will contact me in 48 hours and it will be looked at quicker. Raised a complaint , complaints emailed me within 24 hours to say it will take 7 days till he speaks with me. All I want is power in the property would I be better switching over to EON who supply the gas surely they could sort it out quicker? One thing is for sure I will never bother with Scottish Power ever again.    
    • Hi. Please don't follow McD's advice to contact Met to appeal. They won't listen and you could end up giving them helpful information. HB
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Rail prosecution letter - advice please


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On 27th August, my son aged 17 and some friends travelled to Brighton for a concert gig. They got on at Upminster and he paid on his Oyster to London Bridge and then a seperate ticket to Brighton. The concert over ran and they missed the last train home that night. Not wanting to be stuck in Brighton for nearly 6 hours with no where to stay, they were told by the bus driver that they could get a bus to one of the London airports then wait for the next train to run and go back on several trains. This meant he had to buy a bus fare back to London (which took all his money) and then use what he had left on his Oyster to get home. The trouble is he had to get to Laindon which is out of the Zones and his Oyster had covered him to West Ham. Eventually at abour 6:45 the next day he called me to pick him up after travelling nearly 6 hours to get home.

 

An inspector stopped and asked for his ticket for which he explained what had happened and that he had paid all the way to West Ham but ran out of money to get the last leg of the journey as he had to pay for the bus. My son showed him the ticket for the previous part of the journey to prove his story. He took his details and statement.

 

Today 8th October, I get a letter saying that" he was travelling between the two stations without paying the correct fare. That Non payment ofrail fares is an ofence which may be prosecuted in a Youh Court. In order that I may close the report from our inspector, I request that the fare of £6.40 and an administrative fee should now be paid.

 

Payment should be for £51.40 which represents a £45.00 administration fee and £6.40 for the outstandign fare".

 

I acknowledge that this statement is correct in that he did not have a fare for the last part of the journey. Could someone please advise me if they are obliged to supply a copy of their report? This seems excessive considering the fare. Do I have any rights to challenge this?

 

Any help please much appreciated.

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If he was summonsed to court you/he would have seen a copy of the statement I believe, as this is staying out of court, I don't believe the Train Operating Company has to provide a copy of the statement. This is the best and most cost effective way to settle the matter unfortunately. Going to a youth court is a rarity for any train company, so these might be scare tactics. In my experience the only time a TOC goes to a youth court is if the offender is persistant. If your son is nearer 18 than 17 then I believe it's acceptable to go to a Magistrate's Court so long as he is 18 when the appearance is held.

 

Although it may seem harsh to you, your son didn't have a valid ticket for his journey, and had no money to pay for one. At best he's got some mitigating circumstances I'd imagine, should the matter end up in court. If he was 18-years of age he could have been charged with 5.3(a) Regulation of Railways Act, which is a Recordable offence. I'm sure you appreciate that RPI's hear alot of different stories as to how people have become stranded etc, but the fact remains that the ticket your son had was valid on the day of purchase only I'm afraid.

 

I recomend calling the TOC, probably Southern, unless your son was caught further up the line!

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Hi. Thanks for your reply, You say it is not going to court but as mentioned above, their letter suggests it may.

 

Whilst I agree completely with what you say about him not having a ticket for that part of the journey, I am confused as there is no mention of a penalty in the letter. So whilst the fare mentioned is fair enough, how can they charge this for an administration fee?

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The admin costs will be broken down into things such as the Inspectors time on the day and time to write report etc,

the prosecutors time etc etc

Views expressed in this forum by me are my own personal opinion and you take it on face value! I make any comments to the best of my knowledge but you take my advice at your own risk.

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If I have read this right, the part of the journey in dispute is from London to Laindon, which is on the c2c route.

 

It seems true that prosecution in Youth Courts for this type of offence is 'rare', but not unknown. Railways are not obliged to get 'stranded' people home, and there are arrangements through which they could, and should, have got a ticket before boarding the train.

 

The cheapest way to make this matter 'go away' is for him/you to pay the admin fee & fare.

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Hi. Thanks for your reply, You say it is not going to court but as mentioned above, their letter suggests it may.

 

Whilst I agree completely with what you say about him not having a ticket for that part of the journey, I am confused as there is no mention of a penalty in the letter. So whilst the fare mentioned is fair enough, how can they charge this for an administration fee?

There was a reletive threat about court, not a letter staing their intention to prosecute your son, therefore, at this stage there's no need to see the statement. Hope that makes sense! Who mentioned a penalty?

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