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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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Hello,

i am worried about court because I have received a letter from RLP saying that if they take me to court it will cost loads more.

 

I have been to see a solicitor and he said to pay because if I keep denying it and they have proof and take me to court I will have to pay their court costs which can be in the thousands.

 

I'm really reluctant to pay though because they sent my grandmother a letter and it was only when I showed them a copy of her passport

to show that she is 67 years old that they said they would suspend the case but that if she did it again they would reopen the case!

 

I know I did wrong but all she did was point to the items and it was me who took them.

 

I took full responsibility and they still wrote to her.

 

I hate them and they disgust me.

 

If I thought they would take me to court then I would pay because I can’t afford to pay thousands.

 

My solicitor has said that the claim has been issued.

 

Not sure what this means,

but really would like to find out if they will actually take me to court.

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Hi jonny

 

Welcome to CAG

 

You've got your own thread. What documents have you received? and from whom?

 

To date RLP haven't taken anyone to court, they do like to send out letter's which are speculative invoices.

 

I'm not sure what you mean by the following:- 'My solicitor has said that the claim has been issued.'

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Agree with Rebel - you say that the solicitor said that "....they will take you to court" then that the solicitor said that "...the claim has been issued". Which is true?

Any advice given is done so on the assumption that recipients will also take professional advice where appropriate.

 

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He said that I have to give my defence by next week. He said that I can say that because I'm on benefits, I can't afford to pay, and that I need my car to take my grandmother to and from her hospital appointments. I haven't got any documents, but I don't know what documents my solicitor has.

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This doesnt make sense.

 

Have you received a claim form from the Court ?. or have you only received a letter from RLP ?

 

Many of us here would be very surprsied if you have actually received a court claim, for us to help you we will need more info, a scan of letters/court docs (with names & address redacted) would help.,

 

Benfits and cars/granmdmothers are irrelevant at this stage, lets deal with the facts.

 

Why do you not know what doc your solicitor has ?, surely the only docs he has are ones youve given them !?

Andy

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Hello, I too am worried about court because I have received a letter from RLP saying that if they take me to court it will cost loads more. I have been to see a solicitor and he said to pay because if I keep denying it and they have proof and take me to court I will have to pay their court costs which can be in the thousands. I'm really reluctant to pay though because they sent my grandmother a letter and it was only when I showed them a copy of her passport to show that she is 67 years old that they said they would suspend the case but that if she did it again they would reopen the case! I know I did wrong but all she did was point to the items and it was me who took them. I took full responsibility and they still wrote to her. I hate them and they disgust me. If I thought they would take me to court then I would pay because I can’t afford to pay thousands. My solicitor has said that the claim has been issued. Not sure what this means, but really would like to find out if they will actually take me to court.

 

RLP won't take you to court - they haven't suffered any losses.

 

You haven't really said what happened, but if you were stopped and any goods taken were recovered then it's difficult to see what the store's losses were. In general, you would not be responsible for paying any of the store's security costs

 

How much are RLP asking for? Most amounts they claim would be covered by the small claims court where costs cannot be claimed.

 

Any claim should have been sent direct, so you should know what is happening.

 

You will have to provide more detail of what has happened.

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Thank you for all your comments.

I called my solicitor and told him what you have all said.

 

He said that the claim is not against RLP but against TK Maxx and that if I want to deny liability

then there is a chance that the case will go to the fast track instead of the small claims court where I will have to pay TK Maxx costs if I lose.

 

He said that once he has submitted my defence the court will give him a date for the hearing when we find out which court it is in.

 

I asked him why I didn't get the forms and he said because he is my solicitor and that everything has to go to him.

 

He also said that he is acting pro bono so I won't have to pay any solicitor costs but that the amount would be higher.

I know he's (the solicitor) not trying to [problem] me because he's a friend of a friend.

 

He said that they have offered to close the case if I pay £100.00 and he thinks I should pay because otherwise it will be more.

 

He is going to send me a copy of the claim.

 

Really don't know what to do...

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Hi, 2 grumpy, I think your information about going to court is out of date. I've also received court papers about a shoplifting in TK Maxx and the amount they are now claiming is the original £137.50 plus £80 court fees and £35 solicitor fees, so the bill is now £252.50. I looked on RLP's website and they show the cases they have taken to court recently. I don't know what to do now because one person has to pay £1900.00. I wish i'd paid the £137.50 now. I don't know what to do either :(

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Seems to be some confusion here, No-one has ever actually seen a legitimate court claim from RLP, so would be very useful if the above posters would scan and post up the claim forms.

 

It is worth noting that claims under £5000 are allocated to the small track (where costs are limited to smallish fixed costs), as far as I'm aware denying libailty doesnt mean the case will go on the fast track, in fact, I'd strongly argue that it shouldnt, after all, the small track is 'designed' for low cost claims such as this.

 

No-one has any idea whether any of the court claims on the RLP are indeed true , there is no way of check county court claims, so they may all be fabricated.

 

Jonny..You still seem a bit confused as to what exactly your solicitor is doing, you really should be kept inthe loop and see all the forms, all he is doing at this stage is just the basic form filling that really anyone can do, its not that difficult.

 

Andy

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yes come-on

 

POST THE COURT PApers

 

urm.......thats two people saying they have them BUT NO PROOF YET..

 

here's the link to post up your PROOF

of court papers. or claim forms...

 

scan the required letters/agreements/sheets

as a picture[jpg] file

remove all pers info inc barcodes etc using paint program

but leave all figures and dates.

 

goto one of the many free online pdf converter websites

it would be better to upload a multipage pdf

than many single ones

or if you have PDF as an installed printer drive use that

or use word and save as pdf

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

then hit reply button

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi, 2 grumpy,

I think your information about going to court is out of date.

I've also received court papers about a shoplifting in TK Maxx and the amount they are now claiming is the original £137.50 plus £80 court fees and £35 solicitor fees, so the bill is now £252.50.

 

I looked on RLP's website and they show the cases they have taken to court recently.

 

I don't know what to do now because one person has to pay £1900.00.

 

I wish i'd paid the £137.50 now.

 

I don't know what to do either :(

 

they HAVEN'T taken anyone to court

 

those reports are NOT TKmaxx

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Anyone getting court papers for a claim initiated by RLP should definately contest the entire amount.

 

If the store is doing it, then you should also contest the entire amount, but make a cpr request to get all of the information and details and a breakdown of the amounts claimed.

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Hi, 2 grumpy, I think your information about going to court is out of date. I've also received court papers about a shoplifting in TK Maxx and the amount they are now claiming is the original £137.50 plus £80 court fees and £35 solicitor fees, so the bill is now £252.50. I looked on RLP's website and they show the cases they have taken to court recently. I don't know what to do now because one person has to pay £1900.00. I wish i'd paid the £137.50 now. I don't know what to do either :(

 

1. The cases RLP took to court - and there are very, very few of them - all relate to employee theft.

 

2. Post up the court papers so we can see them.

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Thank you for all your comments.

I called my solicitor and told him what you have all said.

 

He said that the claim is not against RLP but against TK Maxx and that if I want to deny liability

then there is a chance that the case will go to the fast track instead of the small claims court where I will have to pay TK Maxx costs if I lose.

 

He said that once he has submitted my defence the court will give him a date for the hearing when we find out which court it is in.

 

I asked him why I didn't get the forms and he said because he is my solicitor and that everything has to go to him.

 

He also said that he is acting pro bono so I won't have to pay any solicitor costs but that the amount would be higher.

I know he's (the solicitor) not trying to [problem] me because he's a friend of a friend.

 

He said that they have offered to close the case if I pay £100.00 and he thinks I should pay because otherwise it will be more.

 

He is going to send me a copy of the claim.

 

Really don't know what to do...

 

£100 is not going to be fast-tracked.

 

Without you scanning a copy of the court claim we can't really help much more

 

n.b. what type of work does your solicitor normally work in?

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My solicitor told me he sent me the papers on Fri, so they should be here by tomorrow at the latest.

 

I asked him about what you have all said and he said that TK Maxx have already applied to the court for damages and that I need to make a decision about the case this week.

 

I don't appreciate the slurs against my solicitor.

 

He is a genuine bloke and helping me as a friend.

 

He also said that the cases shown online on RLP's website are public record and hardly likely to be made up.

 

I'll post the claim forms when I get them but I think I'm just going to pay.

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My solicitor told me he sent me the papers on Fri, so they should be here by tomorrow at the latest. I asked him about what you have all said and he said that TK Maxx have already applied to the court for damages and that I need to make a decision about the case this week. I don't appreciate the slurs against my solicitor. He is a genuine bloke and helping me as a friend. He also said that the cases shown online on RLP's website are public record and hardly likely to be made up. I'll post the claim forms when I get them but I think I'm just going to pay.

 

Hello again.

 

You asked the guys here for their opinions and they've told you. Depending on what the claim forms say, hopefully they will have more advice for you and then you may have to decide between the advice here and your lawyer friend.

 

I'm happy to be proved wrong, but I don't remember anyone from this forum who received the same advice as the guys gave you ending up in court with RLP. You don't say how many similar cases your lawyer has dealt with.

 

Your friend may be right that the cases on the RLP website aren't made up, but the point being made here. was that the cases seemed to relate to theft by employees and not members of the public.

 

My best, HB

Illegitimi non carborundum

 

 

 

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My solicitor told me he sent me the papers on Fri, so they should be here by tomorrow at the latest. I asked him about what you have all said and he said that TK Maxx have already applied to the court for damages and that I need to make a decision about the case this week. I don't appreciate the slurs against my solicitor. He is a genuine bloke and helping me as a friend. He also said that the cases shown online on RLP's website are public record and hardly likely to be made up. I'll post the claim forms when I get them but I think I'm just going to pay.

 

The advice you will get on here is DIRECTLY related to what the court claim forms say, like Ive said earlier..NO_ONE HAS EVER SEEN A VALID CLAIM FORM FROM RLP/TK MAXX, thats why people are very curious to see one.

 

If you are determined to pay and already have a solictor, Im a bit puzzled as to why you are asking for advice, its no skin off your Solicitors nose if you pay up, it wont cost him anything but it may not be the right choice.

 

Why do you need to know this week, IF a valid court claim has been served, you have 14 days or even you send an acknowledegemnet of service (which you or your solicitor SHOULD of done) you will have 28 days before you send in a defence, even then its only the begininng there wil still be allocation.

 

Andy

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My solicitor told me he sent me the papers on Fri, so they should be here by tomorrow at the latest.

 

I asked him about what you have all said and he said that TK Maxx have already applied to the court for damages and that I need to make a decision about the case this week.

 

I don't appreciate the slurs against my solicitor.

 

He is a genuine bloke and helping me as a friend.

 

He also said that the cases shown online on RLP's website are public record and hardly likely to be made up.

 

I'll post the claim forms when I get them but I think I'm just going to pay.

 

have already applied to the court for damages ...........

 

 

really

 

something smells here.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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