Hi Just received another letter from Bryan Carter saying "We have referred the matter to our client and will revert to you as soon as we are in receipt of instructions. In the mean time, we confirm that we have placed the account on hold." Is this another bog standard letter? If so how long do I need to give them before I ask for the matter to be finalised and removed from my Credit File. Thanks

Hi I received another letter from Bryan Carter a couple of days after I did the acknowledgment of service, saying how having a judgement registered against me has a serious impact on obtaining further credit & how its "not too late for you to avoid this happening"!! Apparantly the same bog standard letter they always send out. But other than that nothing. Not exactly sure what happens next tho, i sent Bryan Carter CPR 31 Disclosure Request letter, but haven't heard anything yet & have put in an "embarrassed defence" as per instructions but have heard nothing so I assume I just sit and wait, can any one advise?

Is this ok to be done using the courts online service, if so what date should i submit it? Thanks for all your patience with me.

Embarrassed to say, whats an embarrassed defence?

Thanks vjohn82, have copied the letter you posted and will be posting it special delivery tomorrow. Can i just clarify something with all of you that have responded to my thread (dilemma) as I'm really worried about timescales. Claim Form Issue Date - 06 Jan 2010 Claim Form received - 12 Jan 2010 (due to snow hampered postmen) Online 'Acknowledgement of Service' - 15th evening, so court wouldn't have received it till the 18th CPR 31 Disclosure Request posted to Bryan Carter - 20 Jan 2010 The question is, what date do I have to respond to the Courts with my defence? If my calculations are correct this will be the same day that Bryan Carter has to respond to the CPR31 request, will this be too late? Please please help

Hi I've read the attached link that you posted Nicklea and I think am right in assuming I need to send Bryan Carter the 31.14 letter. I'm not entirely sure how I should be wording this letter as in the 'Particulars of Claim' they don't make any mention of any documents. Sorry don't mean to sound stupid , just don't want to mess this up by wording it incorrectly. I've done the Acknowledgement of service and notified of intention to defend the whole claim, Is there anything else i should be doing. Ta

Hi I had an account with principles which i closed roughly about 5 to 6 years ago, after I'd closed the account I heard nothing more from Principles. About 2 to 3 years later I started receiving debt collections letter from various companies for the above account, after calling most of them and asking for a copy of the principles statements showing the debt, the only company that responded was IKANO Financial, I eventually received, what can only be described as a piece of paper with an amount then monthly interest amount, no letterhead or anything. I rang IKANO and told them that I was not going to accept this as it was not an official Principles Statement. I heard nothing more from them. the debt ended up with Lowells, and despite requesting the above, nothing was ever received from them. I have just received a N1CPC Claim Form for the County Court Bulk Centre at Northampton, Issue date 6th Jan 10, Claimant being Lowell Porfolio Ltd and Bryan Carter & Co acting as solicitors, the Particulars of Claim are as follows: "The Claimant's claim is for the price of goods sold and delivered by the Claimant to the Defendent. Claimants A/C No ####### to goods sold between 10/07/2004 and 09/07/2009 and the Claimant claims £313.78. The Claimant also claims interest thereon pursuant to S.69 County Court Act 1984 Ltd to one year to the date hereof at the rate of 8% per annum amounting t0 £0.00. I have just completed the online "Acknowledgement of Service" as I want to defend the entire claim. Any help or advice in defending cases like this would be greatly appreciated!! Ta Gill