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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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Council Tax over 6 years. Liability order.


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Hi, I am new to this forum and would appreciate any advise that you nice people would like to give.

 

I received a letter from the council this year February claiming that I owe the council about £2000 for council tax not paid at a previous address that I lived in 7 years ago, which as far as I know was paid. Being that it is 7 years ago I cannot prove as I don't keep payment records that long.

 

In my 7 years of living here I have not received any warnings that I owe this money and I always pay my council tax on time, also the council have known my new address and even my contact number, but they have never tried to contact me about this debt.

 

They told me they made a liability order in 2004, which they require a court summons from the magistrate court, but I haven't received any letter about this. I haven't seen this liability order, I have asked them to prove it, but they have just sent me some screen shots of their software. They keep prolonging the deadline as well when I speak to them.

 

I am wondering why it's taken this long for them to suddenly contact me. Any idea where I would stand?

 

Thanks for your help in advance

Andy

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Thanks for the reply.

 

I cannot remember how I paid.

 

It is a very difficult situation.

 

I still cannot believe they made a Liability Order though, I haven't seen any evidence of it.

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I would hazard a guess that they have more than 1 Liability Order as £2k for CT 7 years ago would be akin to living at Buck House. Makes me think they have continued charging after you moved. You must ask them how many LO's they have and what dates they cover.

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I would hazard a guess that they have more than 1 Liability Order as £2k for CT 7 years ago would be akin to living at Buck House. Makes me think they have continued charging after you moved. You must ask them how many LO's they have and what dates they cover.

 

Thanks for your reply.

 

The house is a high council band, that is why it is 2k, also they added charges for late payments (which i didn't receive).

 

There is only one LO that they speak of which they say was applied on the 29th November 2004, again no record was sent to me though.

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Would be interested to see their explanantion for that.

 

PT

 

They say they have sent warnings and bills out, but I didn't receive them. They have sent me screen shots of their system software.

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What address do they claim to have sent them to? If your old one did you advise them you were moving?

 

They weren't clear, they said it could be either.

 

I actually spoke to the current owner who has been there since I left, he said he hasn't received anything from the council(as far as he knows), and I haven't at my current address.

 

I told them that I moved, they even admitted that they I told them that I had moved.

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In that case put them to strict proof they were posted. Although they may have them on their system they have nothing to say they were printed or then posted.

 

That is a very good point, but they can't prove it.

 

They also say "they don't need to prove it".

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That is a very good point, but they can't prove it.

 

They also say "they don't need to prove it".

 

This is true to some extent as they would rely on the provisions of Section 7 Interpretation Act 1987, which effectively says proof of postage is proof of receipt, unless it can be proved it hasn't arrived. But I imagine they should have kept records of the postage??

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This is true to some extent as they would rely on the provisions of Section 7 Interpretation Act 1987, which effectively says proof of postage is proof of receipt, unless it can be proved it hasn't arrived. But I imagine they should have kept records of the postage??

 

They may have I can ask them. But with some of the records they say that they don't keep them for that long.

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They have to have something as otherwise they could just say anything. It may pay you to ask your local Councillor(s) for help any refusal or reluctance and you go to the Leader of the Council and his opposite number.

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They have to have something as otherwise they could just say anything. It may pay you to ask your local Councillor(s) for help any refusal or reluctance and you go to the Leader of the Council and his opposite number.

 

Thanks for the advise, what do you mean by 'opposite number'?

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You geninuely don't remember how you paid your CT? There are only so many ways you can do it. With it being such an important bill, you are asking for trouble here not being able to show you have paid it. Sounds like I am lecturing here, so enough of that. :!:

 

Having said that, overlooking this rather large issue, they don't tend to be this dis-organised over something as serious as CT. I don't see how they haven't sent formal letters or got a bailiff recovery team on the case before now. They are normally on the ball, so to not be able to present you with any proof or formal letters makes me think they might have a hard time proving any of this in court anyway. So hopefully, you'll be OK.

 

Thanks.

 

Yeah I can't remember it was 7 years ago. The funny thing it that when I missed 2 months of paying the CT with my new property they sent me a liability order straight away, so I paid it off imediately, so I don't see how they can let it last as long as 7 years and try and get it from me now!

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  • 3 weeks later...

Just in case anyone is still interested, after some more complaining, eventually the council decided that I did not owe them money and they dropped the "owed" payments.

 

Justice is done.

 

Thanks for your advice, guys.

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