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    • I'm not sure we were on standard tariffs - I've uploaded as many proofs as I can for the ombudsman - ovo called last night uping the compensation to 100 from 50 pounds for the slip in customer service however they won't acknowledge the the problem them not acknowledging a fault has caused nor are they willing to remedy anything as they won't accept the meter or formula was wrong.   I'd appreciate more details on the economy 7 approach and I'll update the ombudsman with any information you can share. 
    • To re-iterate and highlight my urgent question on this one: The N24 from the court did not include any instructions to submit paperwork 28 days before the date, unlike the N157 received for other smaller claims. Do I have to submit a WS for this court date? Link has!...
    • No, reading the guidance online it says to wait for a letter from the court. Should I wait or submit the directions? BTW, I assume that the directions are a longer version of the particular of claim accompanied by evidence, correct?
    • Thanks for opening, it's been another rough year for my family and I've procastinated a little.. Due to the age of my defaults on this and other accounts (circa 2021), I really need to avoid a CCJ as that will be another 6 years of credit issues. Mediation failed as I played the 'not enough info to make a decision' however during the call for some reason they did offer settlement at 80%, I refused. this has been allocated to small claims track, court date is June 3 and I've received their WS. I'm starting on my WS. They do appear to have provided everything required of them (even if docs could be reconstructions). Not really sure what my argument is anymore but I do want to attend court and see this through. Should a judgement be made against me then I will clear the balance within 30 days and have the CCJ removed - this is still possible isn't it? I'm going to be reading up today and tomorrow and hope you can provide me some guidance in the meantime. Wonder what your advice would be given the documents they have provided? I am now in a position to clear the debt either by lump sum or a few large installments - Is this something i should look into at this late stage? Thanks as always in advance
    • I have now received my SAR. It includes a great deal of information! Is there a time limit on how long account information is kept and/or can be provided to debtors? I have received many account statements which were not previously sent to me. I remember that the creditor should provide explanations of any acronyms and abbreviations that maybe used in the documents. Is this still the case? Also what, if any, are the regulations in regard to adding fees to a debt? Can fees be added to a debt after the court has approved a charge on a property. Perhaps due to the numerous owners of the debt, many payments I made were not properly recorded on the account, some were entered over a year after the payment was made! Following the Legal Charge, I paid every month until my payments were refused. I am trying to compute the over payments, but the addition of fees etc. is confusing me. Any comments and/or help would be appreciated.
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particulars of claim


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hi

 

i issued a claim through the courts and asked for it not to be served on the defendants.

 

 

i received my stamped claim form,

 

 

notice of issue (unstamped)

and their response pack.

 

 

i then sent, very close to the 4 months limit, all of the above and

my particulars of claim to the defendants.

my particulars of claim was not stamped by the court.

 

 

i have just received a letter from the court stating 'it seems the defendant has been served with an unsealed N1,

when was this , what was the date of service?'

 

they have included a blank N215 for me to completed and send back.

 

 

they also ask 'can you please confirm that the claim form that you have issued was not sealed by the court?

 

what does all this mean?

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It should have been sealed - stamped by the court even though you were going to serve it yourself. Did you complete a certificate of service?

 

I can imagine that there has been a complaint that you have attempted to serve a dummy claim which would be an abuse.

 

I suggest that you cooperate completely and point out that it was an error and explain how the error occurred. You normally have 7 days to complete a certificate of service and failure to do so could invalidate the service

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hi bf

 

the claim form itself was stamped. i had indicated poc to follow. it was therefore my poc that was not stamped. i had no idea that i had to fill in a certificate of service!! do i complete the certificate of service and return it to the court. one thing that puzzles me is that when the judge has indiacted that the N1 was unsealed is he referring to my particulars of claim or the actual original claim form?

 

cheers

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my own records indicate that the bundle i sent included the stamped N1 claim form although how could you prove that?

 

my limitation period (date of knowledge plus 3 years) was due to expire therefore i issued.

 

claim is concerned with surveyors negligence

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now the court have sent me a certificate of service and their notes it would indicate that i sent the claim form within the 4 months but the poc would have been a day late allowing for the 2 day rule on the deemed day of service. having done a bit of research is it best to:

 

1. send back the certificate and wait for their response i.e. the date of service. because at the moment i do not know exactly the other side are questioning i.e. all the courts letter said was 'an unsealed N1'.

 

1. ask the defendant for permission to serve all the papers again?

 

2. apply to the court promptly for relief from any sanction imposed for failure to comply with any rule.

 

looking at the situation it may seem i sent out the papers with the belief that the deadline for sending them was before midnight 4 months from the date of issue. i did not appreciate this only applied to the claim form. furthermore if any pages were missing this must have been a clumsy error with the automatic photo copier.

 

cheers

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hi

 

the N1 claim form was sealed by the court and was served on the defendant within the four months. the poc was not sealed by the court as in the original claim i indicated poc to follow.

 

could it be when the court stated that the defendant had been served with a unsealed N1 they could have been referring to the poc and not the initial N1 claim form?

 

i am now getting confused!!

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I've already told you that the PoC did not need to be sealed if you had issued protectively and you were serving them.

 

No, the Court will be referring to the original sealed N1 claim form which must be served within 4 months of the date of issue (along with the PoC etc) . It appears as if you never did this.

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more confused!! if the court are saying i have served an unsealed N1 claim form which is impossible as the only N1 claim form i have is sealed!! the only thing i can think of is if some of the pages of the N1 (mind you there are only 2 pages) i photocopied were not sent to the defendants, but even then why would the court say i have served an unsealed N1?

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correct i have just checked i still have the original, i didn't want to send it in case it got lost in the post! that leaves me in a fix with the letter i have sent to the court indicating i sent a sealed N1 to the defendant. what should i do?

 

out of interest where in the cpr rules does it say the original sealed copy must be served?

 

cheers

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i have sent the court a signed certificate of service plus original N1 claim form, poc etc and a letter explaining my mistake.

 

Why send the original sealed N1 to the Court? They already have a copy.

 

You're problem is that you served a photocopy of the N1 on the Defendant and not the original. Have you rectified this yet?!

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i sent my official N1 form to the court for them to serve, i think that may have been a mistake. the reason i sent it was because they asked me if i served a unsealed form to the defendants. the problem with all of this for a lip is there are no 'simple guidelines' for serving documents etc etc

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