So sorry, I didn't even notice that. I have attached them again without my name lol. Thanks for replying again. So do i just do nothing and wait to hear from the court?

hello hope you all had a good xmas and new year. Mine was brilliant until these 4 letters dropped on my mat lol. I'm not sure what to do now? They have said they are proceeding with the claim. I have attached the 4 letters and I'm wondering if anyone can help me with what to do now please.

thank you so so much for all your help, so do I now just sit and wait to see what happens?

Thank you thank you so much, so if I add your edited paragraphs then it is ready to send?

Paragraph 1 I neither admit or deny and have no recollection of any agreement. Paragraph 2 is denied I have no recollection of the debt to be assigned/purchased. Paragraph 3 is denied I have no recollection of any agreement with shop direct. I have sent the claimant a CPR 31.14 request and have had a response from them stating they would not provide me with the documents on which their claim is based. Therefore 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 reach

Do I add that I sent a cpr 31.14 and they refused to provide me with the documents on which they base their claim?

Ok thank you soooo much I will have a go now.

But in the post it says "sent a section 78 request" I didn't send one? so do I just delete all the parts that mention that? Sorry I am sounding extremely dumb but im sure any mistake I make Bryan Carter will pick up on it. And I don't want to admit to the agreement because surely that would mean I do owe the money and will lose?

hi with the first bit in the defence could I use the fact I was and still am unemployed? I am a full time mum lol Sorry doesn't matter I read it wrong im so stuck I think I might just leave it and let them get their default judgement. thanks for the all help anyway x

Just checked an think I have to do the defence today But im sure when I phoned the court to check they said the 18th by 4 o clock.

Hi I did send the CPR 31.14 to Bryan Carter and had this attached reply yesterday. I have to do my defence tomorrow so I was wondering if anyone can tell me what I need to write in my defence please. I have no idea where to even start. Thanks [ATTACH=CONFIG]48250[/ATTACH]

Ok thanks mike, I will start that off tomorrow im sure that will end up being a long drawn out process lol Do you know when I should submit my defence and if its too late to send a CPR 31.14? Im off to bed now sorry if I dont reply until tomorrow thanks for all your help

Oh and I wouldn't have a clue where to start with my defence so any help when the time comes would be really appreciated. Thank you both for all your help with this, I was getting in a panic, why did they have to do this right before xmas

Thanks mike, I didn't realise you could still do that? I thought when the bank charges case went to court it stopped you being able to claim charges on anything, so was that just the banks?

Thanks again andyorch, so when do I submit my defence? do I leave it until 16th/17th? and what happens when I submit it? do they have a chance to ignore my defence? and who then decides if they need to provide this evidence? If I sent the CPR 31.14 would that now be too late if I sent it tomorrow morning?

Like I said in my first post...I sent them a CPR 18 and wasted time and £6 for special delivery when it was the wrong thing to do. Arghhhh

Thanks andyorch, What do I need to do now? do I send another letter to Bryan Carter or do I file a defence?

I haven't had any arrangements to pay with Lowell or carter, When it was with shop direct I was paying my monthly payments but had 1 month where I had money problems so ended up with the month owed plus charges and the next months payment due, I phoned them and asked them if I could pay the 2 months owed if they dropped the charges but they said no so that's where the debt started and I am ashamed to say I have just buried my head in the sand and ignored the debt Im sure they have only sent this to court now because there isn't long until its been 6 yrs, If

Thanks mike, I will not say sorry again lol I just feel stupid because if I asked someone from the start then I would have had more time to sort it out and I have to keep asking about everything because I thought I could do this by myself, which is proving to be a mistake Is the date of claim the issue date? that is the 15th November 2013.

Thanks andyorch, but what do I do now? I have no clue what to do, from their letter is seems like I haven't got a leg to stand on. I am also running out of time I only have until the 19th of December to do something. I don't even know what I need to by the 19th lol, is it file a defence? I did look through lots of posts to see if I could do it without having to bother anyone, but I am still completely stumped.

Thanks for replying so quickly. Sorry, I went into this without asking someone for help first, so I have no idea what the POC is? If it's what is written on the court forms these are: This claim is for 444.79 the amount due under an agreement between the original creditor and the defendant to provide finance and/or services and/or goods. This debt was assigned to/purchased by Lowell Portfolio I LTD on 30/06/2009 and noticed served pursuant to the law of property act 1925 Particulars Re:Shop Direct A/C No ******** and the claimant claims 444.79 The claimant also claims int

Thanks for the quick response andyorch , I have been decorating so the pc has been unplugged. I have converted it to pdf and attached it to this post.

Sorry the charges were £24 a month £12 each I think not £25 each. Though I cant check this as I don't have statements anymore.

Hello all Im not new but still a newbie lol, I have had a court claim sent from Bryan carter to which I tried to sort it out myself without posting....big mistake . I sent a CPR18 but by looking though some other posts it seems I have sent the wrong thing. I have had a reply for the CPR 18 from Bryan carter which I have attached a scanned copy to this post. Please can someone help, I don't like owing money and this account was originally for £200 which I had offered to pay shop direct but they refused, didn't do this in writing though(another mistake I expe

Thank you for your quick response. I haven't sent a CCA yet. He got the application form done online and i know they sent something for him to sign but i cant remember if he did, i know i didn't with mine. What happens if they do provide proof that they have the credit agreement, will they then be able to enforce any of their threatened actions? I don't speak to any of them on the phone so most companies have given up trying, if they do decide to have another go, when they say who they are i quickly hang up, i've had too many nasty calls and have a go