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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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Defamation help needed


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Do we know that no protocol is been followed? I had missed that but if that is correct then of course that will be helpful.

 

I think we need to know more from the OP and also to see the POC.

 

Also, I have sent the OP a direct email.

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It doesn't matter if they agree or not. It's the strategy which counts.

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It's unlikely that the claimant would agree to the case being heard in the County Court, how would they get their costs paid if they won?

 

Wouldn't that depend on the track, though?, with the most severe limitation on costs being in the small claims track.

 

Even if the claimant has chosen the amount claimed to try to be at the upper limit for the small claims track, the complexities of a defamation case mean it would be unlikely to be allocated to the small claims track even if it was started (by consent) in the County Court.

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Small claims are not only based on the value of the claim. It is also a matter of the complexity of the case. A general rule is whether the case will take more than five hours. In any event, I would expect this kind of case to be allocated to the small claims track

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Reading back through the thread.

 

We need to know what pre action protocols the claimant followed before they issued the court claim.

 

We need to know the particulars of claim.

 

As the claim was issued in the High court, then the claimant would not need to seek consent to decide which court dealt with i.e reduce to County Court. Presumably there is a process to be followed where the defendant asks the High court to decide without hearing to transfer down to County court ?

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If the complainants agreed then I think a transfer down to the County Court would be pretty well automatic.

 

On the question of enforcement of costs, if costs were awarded against either party then eventually there could be a transfer up (I imagine) to get enforcement by HCEO

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If the Claimant has failed to follow the Protocol, in my view this enforces the notion that the Claim is nothing more than vexatious.

 

However, Bazza's back to basics post is essentially the key points that the Claimant should include in the Defence.

 

Bankfodder mentioned harassment - anyone have any thoughts on the OP counter-claiming for harassment assuming the OP has kept evidence of the 'campaign' (S3 of the Protection from Harassment Act 1997)?

 

If the defamation claim is indeed vexatious, a legitimate counter-claim could put the frighteners on the Claimant...

 

Just an idea...

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The term "vexatious" has a very specific meaning and does not apply here.

 

We really don't know enough about what has happened so far and how the claim has been dealt with to make any further valid comment on this. I'm very sorry that the OP doesn't appear to have come back again with any more information or reply to my direct email

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If the Claimant has failed to follow the Protocol, in my view this enforces the notion that the Claim is nothing more than vexatious.

 

However, Bazza's back to basics post is essentially the key points that the Claimant should include in the Defence.

 

Bankfodder mentioned harassment - anyone have any thoughts on the OP counter-claiming for harassment assuming the OP has kept evidence of the 'campaign' (S3 of the Protection from Harassment Act 1997)?

 

If the defamation claim is indeed vexatious, a legitimate counter-claim could put the frighteners on the Claimant...

 

Just an idea...

 

I don't think the claimant is responsible for any harassment.

 

'' The complainant has not previously caused any major trouble. As I mentioned earlier, his partner has been a complete nightmare and is the one who has the convictions (public order offence and criminal damage to our property)''

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A claim for defamation must be brought within 1 year of the published statement complained of.

CPR Pre-Action Protocol For Defamation applies to defamation claims and the Claimant is expected to comply with the protocol before he commences with proceedings (before he files his claim to court).

 

There are statutory defences against defamation claims and they are provided under the following Act:

 

Defamation Act 2013

Statutory defences

 

Defences

2Truth

(1)It is a defence to an action for defamation for the defendant to show that the imputation conveyed by the statement complained of is substantially true.

(2)Subsection (3) applies in an action for defamation if the statement complained of conveys two or more distinct imputations.

(3)If one or more of the imputations is not shown to be substantially true, the defence under this section does not fail if, having regard to the imputations which are shown to be substantially true, the imputations which are not shown to be substantially true do not seriously harm the claimant’s reputation.

(4)The common law defence of justification is abolished and, accordingly, section 5 of the Defamation Act 1952 (justification) is repealed.

3Honest opinion

(1)It is a defence to an action for defamation for the defendant to show that the following conditions are met.

(2)The first condition is that the statement complained of was a statement of opinion.

(3)The second condition is that the statement complained of indicated, whether in general or specific terms, the basis of the opinion.

(4)The third condition is that an honest person could have held the opinion on the basis of—

(a)any fact which existed at the time the statement complained of was published;

(b)anything asserted to be a fact in a privileged statement published before the statement complained of.

(5)The defence is defeated if the claimant shows that the defendant did not hold the opinion.

(6)Subsection (5) does not apply in a case where the statement complained of was published by the defendant but made by another person (“the author”); and in such a case the defence is defeated if the claimant shows that the defendant knew or ought to have known that the author did not hold the opinion.

(7)For the purposes of subsection (4)(b) a statement is a “privileged statement” if the person responsible for its publication would have one or more of the following defences if an action for defamation were brought in respect of it—

(a)a defence under section 4 (publication on matter of public interest);

(b)a defence under section 6 (peer-reviewed statement in scientific or academic journal);

©a defence under section 14 of the Defamation Act 1996 (reports of court proceedings protected by absolute privilege);

(d)a defence under section 15 of that Act (other reports protected by qualified privilege).

(8)The common law defence of fair comment is abolished and, accordingly, section 6 of the Defamation Act 1952 (fair comment) is repealed.

 

 

There has clearly been (and still is) a longstanding dispute between you and your neighbours, all the facts and circumstances to this should be set out in your Defence.

 

Based on what you have posted here, I think you and your family should try and get away to a better place, this is easier said than done I know, but I think you and your partner should give your serious consideration to moving to another area/county for yours and your family’s sake so as to protect your rights to live peacefully in your home.

 

Can you please post up the particulars of claim?

 

Thanks.

 

Haunter

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I don't think the claimant is responsible for any harassment.

 

'' The complainant has not previously caused any major trouble. As I mentioned earlier, his partner has been a complete nightmare and is the one who has the convictions (public order offence and criminal damage to our property)''

 

Good point!

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Apologies for apparently disappearing of the face of the earth. Family things took priority last night (joys of having children with additional needs!) and work has been busy today. Due to time constraints I have today put together and submitted a defence, which will at least prevent the claimant for going for a default judgement.

 

I am just putting the children to bed and will post POC and defence. Thanks for your patience, and again, sorry for appearing ignorant. x

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Thank you, but please could you post these up in PDF format. – Single file multipage in proper order.

 

Also, I've sent you two emails. Have you received them?

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The fact that his wife re-published the statement in question and shared it on her Facebook profile at a time when you had already removed it from your Facebook profile, makes his wife legally responsible for his claim! His cause of action complained of is against his wife!

 

Seeing that you only have 2 local residents as contacts on your Facebook profile, you can argue that only 2 others may have seen the questioned statement before you removed it, therefore his claim for damages in the region of £10k is excessive and unjustifiable, in any event, the statement you posted and then removed was a statement of fact.

 

Upon his wife re-publishing the said statement to his and her family and friends, after it had been removed, and those persons expressing their views about what they think about said statement, which most likely caused him to bring this claim, has no legal basis, because:

The statement is true;

The statement is clear and unequivocal, it is not ambiguous;

and

You are not legally responsible for what his friends and family think of the said statement of fact, which his wife published to them, and how they wish to interpret it, he has clearly been riled up by their comments which underpinned his bringing the claim.

 

Anyone visiting the Facebook website would have to know your name in order to view your profile, so 2 billion viewers would not have seen the said statement!

 

His claim is vexatious. If he doesn’t like someone posting a picture of him looking out his window at children who are playing naked in their garden, then he shouldn’t be looking out his window looking at children playing naked in their garden.

 

Such behaviour is unnatural and would cause concern to any good and reasonable parent!

 

Haunter

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