Hi,

please could any one help me at all.

I receievd a letter exactly the same wording as tttf's.

I had a joint account that was was in a overdraft for 1000 pound with an ex years ago (hsbc).

I recieved a letter today which i can only presume is to do with that as when we split the account was just left.

I dont know if my ex has had the same letter but funnily enough my letter is for 299.99 court fee 15.00 total 364.99.

Its from Sigma Spv 1 limited. Funnily enough the the wording is exact, spelt without the T on credit and the date of 21/12/2011 for when it was assigned to the claiment (strange) ???

As i say i recieved this today and im at a loss as to what to do.

Did you defend your self following the below instructions and what was the outcome.

Your help would be gtreatly appreciated.

Thanks

Have a look at these threads on what to do

http://www.consumeractiongroup.co.uk/forum/search.php?searchid=2557581

Your link shows:

Sorry - no matches. Please try some different terms.

To me anyway.

Thanks Bandit, I'll check link!

Same here, no matches.....does any know what i should do in the meantime as i understand i think i have about 2 weeks to reply?

thanks

type sigma in search bar, top right hand corner.

Or try this link (hopefully)

http://www.consumeractiongroup.co.uk/forum/showthread.php?357903-Another-Sigma-Claim-Form&highlight=sigma

http://www.consumeractiongroup.co.uk/forum/showthread.php?350237-Sigma-red-spv-Court-Claim

thank you for the links, i have read through. Im not great with this kind of thing, im not sure of the abbreiviations and i think this is where they may have me.

This is exactly what my letter says:

Particulars of claim

Part only of monies due under regulated Credi (SPELT WITHOUT THE T!) agreement number xxxxxxxxxxxxxx Between HSBC Bank Plc and the defendant of which was assigned to the claimant on 21.12.2011

The agreement terminated upon the defendants failure to comply with the terms of the agreement and/or the statutory notice of default served by hsbc bank plc

The claimant seeks interest pursuant to sectioon 69 of the county courts act 1984 at the rate of 8% per annum from the date of issue continuing at the daily rate of 0.07

Any payments or queries should be directed to the claimant on 0xxxxxx or email xxxx

what i cant understand is why it is exactly the same as someone elses on here? What would be my first step?

Thanks Lisa

AOS online.

CPR to Sigma

CCA to original creditor, SAR to same!

What should i do first, can anyone advise me, please?

ASorry above link was no use to you, I'll repost the one you need!

thanks, im ging out of my mind....i am very grateful for any help.

Im not great on legal terms etc but will defend myself as i dont feel i owe this money

then again im not even sure what its for as they havnt really explained it must be from years ago. I just dont know where to start...

thanks again

On the paperwork you received, you should have log in details for MCOL.

Log in and complete the Acknowledge of service.

Defend in full. Do not contest Jurisdiction.

Then read this thread and send Sigma the CPR31.14

http://www.consumeractiongroup.co.uk/forum/showthread.php?159445-Getting-Them-To-Reveal-Their-Vitals.-Using-CPR-31.14-to-Your-Advantage

I will do this now. Thank you so much, hopefully this will buy me more time....is it ok to PM t times if i get stuck. I dont want to put on anyone here but i may need guidance through the whole process here

Just post any questions here Lisa and we'll pick them up!

Don't forget your deadlines, 5 days or posting, +14,+14 for AOS.

DEFENCE

1. Paragraph 1 is nether admitted or denied with regards to the Defendant entering in to an Agreement referred to in the Particulars of Claim ('the Agreement') the Claimant has yet to disclose any Agreement. Furthermore any claim for partial monies is averred Contrary to s35 of the county court Act 1984 s35 Division of causes of action.

2. Paragraph 2 is noted with regards to termination of the alleged contractual Agreement , the Defendant has no knowledge, therefore the Claimant is placed to strict proof there of.

3. Paragraph 1 is denied with regards to the Defendant owing any monies to the Claimant and the Claimant is put to strict proof to:

(a) show how the Defendant has entered into an agreement with the Claimant; and

(b) show how the Defendant has reached the amount claimed for; and

© show how the Claimant has the legal right, either under statute or equity to issue a claim;

4. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.

5. On the alternative, if the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the Consumer Credit Act 1974.

6. By reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.

Regards

Andy

Defence for later

Thank you, im feeling loads better, i may actually sleep tonight. Looks like i may have a long way to go but at least it seems im not alone. Its nice to know theres people willing to help. thanks guys. Oh what do you mean by Do not contest Jurisdiction.

Thanks again

Thank you, im feeling loads better, i may actually sleep tonight. Looks like i may have a long way to go but at least it seems im not alone. Its nice to know theres people willing to help. thanks guys. Oh what do you mean by Do not contest Jurisdiction.

Thanks again

Its a question when you complete the Acknowledgement of service!

i followed the link for CPR31.14 , do i copy and paste the letter and send it to to Sigma, im not going to pretend to understand it all but if they cant produce these papers does that mean they may not have a case. I have just finished the AOS online so i presume they will reply to me at some point?

Thanks Again.

The AOS gives you an extra 14 days.

You really need to read the CPR31.14 thread and try to understand as much as possible. If you copy and paste it here (leaving out personal details) we can check it before you send it.

Jogs

Ok we got there in the end Lisa.

As Jogs states just post if you need any further assistance.

Regards

Andy

Hi everyone, do i send Sigma the CPR31.14 by email or direct through the post? do i have 14 days to do this or 14 days to give my defence. Im a little confused as to my next step is submitting the CPR31.14 to Sigma within 14 days or whether i need to send my defence of online with my logins or both.

to explain myself better, im meaning if i send this directly to Sigma should i send a copy to the courts online, as the sigma could deny recieving it. Or do i send it to the court online do they forward it on to sigma?

Sorry for being a pest i hope you can make sense of what im trying to get at, im hoping to do this tonight and post on here for you guys to help me check it before i send so just want to make sure it goes to the right place.

" To explain myself better, im meaning if i send this directly to Sigma Yes should i send a copy to the courts online No and ,Send recorded delivery ASAP as the sigma could deny recieving it. Or do i send it to the court online No do they forward it on to sigma?

Sorry for being a pest i hope you can make sense of what im trying to get at, im hoping to do this tonight and post on here for you guys to help me check it before i send so just want to make sure it goes to the right place.

Regards

Andy

hi everyone

ive completed the template letter and made bold anything im not sure off. would anyone be kind enough to check it through for me. thanks lis

 

[Prior to the issue of proceedings Ihad delivered a request for the production of the agreement mentioned in theClaim Form and on which you rely. That request was ignored][delete if no such request was delivered] - not sure of this bit????

 

 

Did you or did you not make a CCA request prior to the issue of the claim form ? If not then delete that bit.