Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



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)


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  1. #41
    Basic Account Holder danielle86 Novitiate danielle86's Avatar



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    Name of the Claimant ? GB investment

    Date of issue – 21.04.2017

    What is the claim for –


    Name & name borrowed money from R&J auto finance (fca registration number 716425)
    there total outstanding is £8,800.00.


    The loan is now significantly in arrears and GB finance and investment limited were appointed on the 16th January 2016 by R&J auto finance to collect the loan.

    GBFI have tried to work with name and name on this matter and GBFI have indicated a willingness to agree a structured payment plan but name and name have refused to cooperate.

    Given the fact that name and name refuse to cooperate with GBFI on this matter then there is no alternative but to seek recourse via the courts
    .

    What is the value of the claim? £9,200

    Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Loan account

    When did you enter into the original agreement before or after 2007? After 2007, 2014 was the date on the last agreement.

    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. By his son through a different company.

    Were you aware the account had been assigned – did you receive a Notice of Assignment? Only on the same day he sent me a letter asking for the money.

    Did you receive a Default Notice from the original creditor? No.

    Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No.

    Why did you cease payments? Late 2014

    What was the date of your last payment?
    Not exactly sure because it was paid cash.

    Was there a dispute with the original creditor that remains unresolved? Yes.

    Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management planicon? Yes, i sent him a SARicon and never got the paperwork and i found out he had dissolved the company.

    Sorry forgot to mention in regards to a default notice, i didnt get anything on paper, but he did text saying payment is due on a weekly basis for a while.


  2. #42
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    Default Re: R&J Auto Finance/GB finance and investment claimform

    need the EXACT text in the particulars of claim box please

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  3. #43
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    Default Re: R&J Auto Finance/GB finance and investment claimform

    The POCicon should be interesting

    No need for worry or panic


  4. #44
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    Default Re: R&J Auto Finance/GB finance and investment claimform

    twas what I was thinking.........

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  5. #45
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    Default Re: R&J Auto Finance/GB finance and investment claimform

    Name & name borrowed money from R&J auto finance (fca registration number 716425) there total outstanding is £8,800.00. The loan is now significantly in arrears and GB finance and investment limited were appointed on the 16th January 2016 by R&J auto finance to collect the loan.

    GBFI have tried to work with name and name on this matter and GBFI have indicated a willingness to agree a structured payment plan but name and name have refused to cooperate.

    Given the fact that name and name refuse to cooperate with GBFI on this matter then there is no alternative but to seek recourse via the courts.


    I should also add ive just noticed the court papers say he was instructed in 2016 but the initial correspondence states 2017.


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    Default Re: R&J Auto Finance/GB finance and investment claimform

    still have to have a non existent notice of assignment!!


    no hope mate..he's dead!!

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  7. #47
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    Default Re: R&J Auto Finance/GB finance and investment claimform

    So what would i need to state in the defence form? Would i state that he isnt licenced to collect money, and the old company dissolved etc.

    Thanks,
    Dan.


  8. #48
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    Default Re: R&J Auto Finance/GB finance and investment claimform

    does the POCicon really say there when it should be their? oh dear illiterate as well. as stupid.

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  9. #49
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    Default Re: R&J Auto Finance/GB finance and investment claimform

    funny how the consumer crediticon act is not mentioned too


    anyway..


    pop up on the MCOL website detailed on the claimformicon.
    .
    register as an individual
    note the long gateway number given
    then log in
    .
    select respond to a claim and select the AOS box.
    .
    then using the details required from the claimform
    .
    defend all
    leave jurisdiction unticked.
    click thru to the end
    confirm and exit MCOL.
    .
    get a CCA Requesticon running to the claimant
    leave the £1PO blank and uncrossed
    .
    get a CPR 31:14icon request running to the solicitors
    .
    don't signicon anything
    .
    dx

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  10. #50
    Basic Account Holder danielle86 Novitiate danielle86's Avatar



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    Will do, sorry for sounding daft but whats a cpr31:14 request?
    I'm not sure who his solicitor is as its not written anywhere?

    Yes, he did put there. He also spelt my husbands name with a ph, and im a daniel.

    Thanks,
    Dan.


  11. #51
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    Default Re: R&J Auto Finance/GB finance and investment claimform

    click the black links and read all the posts of each link.


    if there no address for return of docs then the cpr goes to him too
    probably wont have a Scooby's what it means mind!!!

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  12. #52
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    Default Re: R&J Auto Finance/GB finance and investment claimform

    I'm off work in the morning so ill get the laptop out so i can read it all properly, and crack on with it. Thank you for your help, its really appreciated.

    Dan.


  13. #53
    Basic Account Holder danielle86 Novitiate danielle86's Avatar



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    Default Re: R&J Auto Finance/GB finance and investment claimform

    Good morning,

    i've just logged in to money claims online, and it won't let me respond online, I


    have to fill out the response pack and post it back.


    so obviously I need to fill out the defence section,


    but do I need to send the acknowledgement of service too, to ask for 28 days to prepare the defence?


    And if this is the case the defence section has a box where I need to state my defence,


    what do I put in it?

    Thanks,
    Dan.

    Danielle 1 - NatWest 0. £100 compensation and £800 fees waived, default removed from credit file.

    Currently in £20,000 debt. managing my own DMP and will be debt free by 2017.
    2 bills now paid off. 12/5/2013.


    Claiming RBS bank charges, PPI and credit card charges for my mum and dad - (on-going)

    Credit card charges - £237.16p full amount refunded.
    PPI refund - £1600.
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  14. #54
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    Default Re: R&J Auto Finance/GB finance and investment claimform

    At the moment ALL you need to do is acknowledge the claim and say you will defend in full.

    DO NOT put ANYTHING in the defence box as it may be construed as a defence- not even defence details later

    Any opinion I give is from personal experience .
    National Debt Line 0808 808 4000
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  15. #55
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    Default Re: R&J Auto Finance/GB finance and investment claimform

    Don't you just love these DIY POCs

    Just acknowledge , defend all and get the CCA and cpr31.14 requests sent


  16. #56
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    Default Re: R&J Auto Finance/GB finance and investment claimform

    no rush on the response pack
    try mcol over the w/end
    you've got till the 8th to AOS.
    I would nt be using the claimformicon.


    get CCA/CPR running..
    this looks fun.

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  17. #57
    Basic Account Holder danielle86 Novitiate danielle86's Avatar



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    Default Re: R&J Auto Finance/GB finance and investment claimform

    Good evening,

    Just a quick update
    - As there was no solicitor listed on the claim formicon I posted the CCA Requesticon, postal order and CPR 31.14 to him yesterday, first class & signed for which I checked earlier and have confirmation was delivered to him at 1.05pm.

    the next step is responding to the claim,
    as it still wont let me respond online so I'm going to post it back to them.


    Am I right in saying that I need to send both the acknowledgement of service, and the defence and counterclaim forms but I do not write anything in the defence box,
    I just leave it blank?

    I've printed out all emails sent to and from him,
    along with spare copies of the CCA and CPR request,
    as well as the information found on R&J and GB financial from companies list.


    I've also printed out the details about the company from the FCA,
    and I searched the FCA number stated on the claim form which is registered to a R&J auto finance that is registered at his dads address, but in the Son and his mothers name, with a date registered as 27.02.17.

    I have also printed his dads obituary from the local paper, which states that he died suddenly on the 16th January 2017, as his son is claiming he was instructed to collect the debt on that day.

    Do I need to post any of this off with the acknowledgement, or do I just sit on it for a while?


    Also the 28 days to submit a defence
    does this start from the date of service stamped on the claim form which is the 21.04.17,
    or the date printed on the claim number sticker, which is the 18.04.17?

    sorry for all the questions, just a little puzzled as to where to go from here.

    Thanks,
    Dan.

    Danielle 1 - NatWest 0. £100 compensation and £800 fees waived, default removed from credit file.

    Currently in £20,000 debt. managing my own DMP and will be debt free by 2017.
    2 bills now paid off. 12/5/2013.


    Claiming RBS bank charges, PPI and credit card charges for my mum and dad - (on-going)

    Credit card charges - £237.16p full amount refunded.
    PPI refund - £1600.
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  18. #58
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    Default Re: R&J Auto Finance/GB finance and investment claimform

    now go back and read the link in post 40 properly....


    on the claimformicon in the information box
    is their a password right at the end?

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  19. #59
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    Default Re: R&J Auto Finance/GB finance and investment claimform

    no, there is no password anywhere on the claim formicon. I've even looked on the response pack they sent in case it was on there somewhere but it isn't.

    Thanks,
    Dan.

    Danielle 1 - NatWest 0. £100 compensation and £800 fees waived, default removed from credit file.

    Currently in £20,000 debt. managing my own DMP and will be debt free by 2017.
    2 bills now paid off. 12/5/2013.


    Claiming RBS bank charges, PPI and credit card charges for my mum and dad - (on-going)

    Credit card charges - £237.16p full amount refunded.
    PPI refund - £1600.
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  20. #60
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    Default Re: R&J Auto Finance/GB finance and investment claimform

    then its come from Salford not northants?

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