Hi all, quick run down.. Outstanding council tax bill, passed to rossendales. Got 1 letter dropped through letter box then paid the bill in full using council online (took cash into council office but would not accept as soon as they found out it was in rossendales hands; note, this was full payment and for money due up to untill april this year), Received letter from rossendales saying i have to pay 40 odd pounds for attendence fee (letter from baliff was posted through door although i was at work and paid in full after this). Anouther letter through letter box today saying i owe £177 !!!! Rang him (baliff) and he says they have visited 3 times and each time they were to levy goods due to the 40 odd pounds i owe them and thats why its gone up so much and he says it will still increase if i dont pay.. Asked him for pfoof or visit and he said some thing about an electronic pen where they note details of house.. At this i quized him and he says my bungalow (hahaha i own a 3 bed semi) was visited by himself.. Now my 15year old son has been at my house all day and he says all that happened was a letter was posted through door, no knock, no phone call no nothing.. After trying to say "look mate ive paid my bill so F off" he says this is not getting us anywhere, at that i agreed and disconnected.. Is this the usual bluff and ive also read here they have set charges, where do i go from here.. ? Eggy12

bump

Can anyone help me please, im running out of time. How do i make an application to have it struck out for none compliance ?? Available options You have submitted an Acknowledgment of Service using Money Claim Online. You can view, print and save your Acknowledgement of Service and respond to the claim by filing a Defence or Part Admission. Received on 4 Feb 2010 Claim status A claim was issued against you on 22 January 2010. Your Acknowledgment of Service was received by the Court and processed on 4 February 2010.

Could someone advise me about how to file my defence as Carter's will not get the agreement to me on time (If there is one) Thanks Eggy12

Received letter from Carter's regarding the CPR request.. Dear Eggy12 We thank you for your communication regarding this account We have referred this matter to our clients and will revert to you as soon as we are in receipt of instructions. In the mean time, we confirm we have placed the account on hold. Guess i will have to wait till they get back to me Think i have till the 18th to file defence but will have to ring and check Thanks for any input Regards Eggy12

Is there a template on how to reply to the courts saying you want to strike the matter out of court because the claimant has not given me the agreement i asked for in the cpr ?

Ok leaving 2 and 3 out.. Sending CPR 2morrow

Is this edited right for my circumstances or should I leave out 2 the default notice 3 the termination notice Dear Sir, Re: (Claimant's name) v (Your name) Case No: CPR 31.14 Request On (date) I received the Claim Form in this case issued by you out of the (Name) county court. I confirm having returned my acknowledgement of service to the court in which I indicate my intention to contest all of your claim. Please treat this letter as my request made under CPR 31.14 for the disclosure and the production of a verified and legible copy of [each of the following / the] document(s) mentioned in your Particulars of Claim: 1 the agreement. You will appreciate that in an ordinary case and by reason of the provisions of CPR PD 16 para 7.3, where a claim is based upon a written agreement, a copy of the contract or documents constituting the agreement should be attached to or served with the particulars of claim and the original(s) should be available at the hearing. Further, that any general conditions incorporated in the contract should also be attached. 2 the default notice 3 the termination notice You should ensure compliance with your CPR 31 duties and ensure that the document(s) I have requested are copied to and received by me within 7 days of receiving this letter. Your CPR 31 duties extend to making a reasonable and proportionate search for the originals of the documents I have requested, the better for you to be able to verify the document's authenticity and to provide me with a legible copy. Further, where I have requested a copy of a document, the original of which is now in the possession of another person, you will have a right to possession of that document if you have mentioned it in your case. You must take immediate steps to recover and preserve it for the purpose of this case. Where I have mentioned a document and there is in your possession more than one version of that same document owing to a modification, obliteration or other marking or feature, each version will be a separate document and you must provide a copy of each version of it to me. Your obligations extend to making a reasonable and proportionate search for any version(s) to include an obligation to recover and preserve such version(s) which are now in the possession of a third party. In accordance with CPR 31.15© I undertake to be responsible for your reasonable copying costs incurred in complying with this CPR 31.14 request. If you require more time in which to comply with this request you must tell me in writing. You must tell me before the time for compliance with this request has expired. In telling me you require more time you must tell me what steps you have taken and propose to take in order to comply with this request and also state a date by when you will comply with this request. In addition your statement must be accompanied with a statement that you agree to an extension of the time for me to file my defence. Your extension of time must be not less than 14 days from the date when you say you will have complied with my request and you must state the new date for filing my defence. If you are unable to comply with this request and believe that you will never be able to comply with this request you must tell me in writing. Please note that if you should fail to comply with this request, fail to request more time or fail to agree to an extension of time for the filing of my defence, I will make an application to the court for an order that the proceedings be struck out or stayed for non-compliance and a summary costs order. I do hope this will not be necessary and look forward to hearing from you. yours faithfully Thanks Eggy12

looks like I missed a payment in sept of last year for £1 Im unsure if this is for the £1 agreement !

Hi Peterbard and thanks.. Do I need to send the £1 as its now a court matter.. I also take it I send to B Carter who are representing Egg as they made the claim ? Thanks for your input Eggy12

I will do, just acknowledged and will have to ask for copy of agreement.. I take it I need not send any money and just ask for it.. I Take it I just write and ask for it with a recorded letter request ? Thanks for any input Eggy12

Would I go toward the "ive got an unbroken agreement" with Egg for £1 a month in my defence or go for extra 14 days and ask for a copy of the agreement ? Any input is most welcome Eggy12

Hi and thanks.. Laptop stopped working but back again now.. OK, Court(Northampton) Issued papers on 22nd Jan!!! Particulars of claim The Claimant's Claim is for the balance due under an agreement which is now all due and payable. The Defendant agreed to pay monthly instalments under account number xxxxxxxxxxxxxx but has failed to do so. And the claiment claims the sum of xxxxxxx The claimant also claims interest thereon pursuant to s.69county court act 1984 limited to one year to the rate of 8% per annum amounting to 0.00 I cannot find agreement as yet but still searching, im sure if i did sign one it would have been around 2001/2 Regards Eggy12

HI all, quick run down. had egg c card, ran into probs (lost job) offered egg 1 pound a month. they accepted and ive paid. account passed to fredricson then onto carter. carter then go for claim. rang them saying i have agreement in place with egg to no avail and they say fill in claim form.. rang egg and they confirm ive been paying and they know about my difficulties.. how best to respond ?

ok just got back and im now a statistic.. Im going onto income based jsa. Ive 13 weeks to find work in my own trade or anything else then its a matter of them getting more involved in what job i get !! Ive also found out that it is 13 weeks before i get help with mortgage and if im right then they only pay 1.58% above bank of england rate for interest payments. I should also not have to pay C/Tax now and as for seeing if i can get free wall and loft insulation, well thats next on my list ! I give myself at this stage 4 months before i lose the house as i will be 2 months behind on mortgage on the 5th with a court order giving mortgage company the right to start repo procedings again after it got adjurned last time after i caught up !!

If your on any kind of benefits your entitled to wall and loft insulation !

Hi all Im a self-employed plasterer and am out of work and will be for some time. Im a home owner aged 40 and live on my own. Ive started the process of claiming JSA and have done the application and have a face to face interview tommorow. Im 1 month behind on 1st and second motgage, owe on just about all my bills, owe about 5 months insurance contributions and owe around £1600 in tax, will any of this stop me recieving benifits ? Also how long would i have to be on JSA to qualify for free home insulation, the reason i ask is if i can manage to keep my home it will cut down on fuel bills and if it has to be sold/repossesed it will add extra value. I have 1 child of 14 who visits 2-3 times a week staying most weekends but i do not have residential custody ! All advice would be gratefully recieved Thanks

Just a quick update regarding Arrow... MBNA say they sold the account to arrow.. Arrow put CBS in charge.. I sent prove it letter and they (after a good while) come up with the goods. . I then tell my DMP (cccs) to start handing the cash to arrow. . And NOW MBNA are trying to get back in touch with me !!! Seems MBNA are merged with Arrow. I knew something was amiss as MBNA never sent a letter saying they sold the account, only arrow saying they were assigned blah blah blah

Bump for a damsel in distress

Recieved a letter from Copes solicitors(CBS i imagine still as its same address) regarding the deed of assignment.. What they have sent is what seems to be on mbna headed paper saying.. Dear sir/madam, We comfirm that the balance outstanding under the following account has now been assigned to arrow global llc 15 old bailey street london. It goes on to state some details about the debt eg. acc. number, my address, date account opened default date but no assignment date blah blah blah and then says In accordance with the aforementioned assignment of this account arrow global now holds all legal rights, authorities and obligations to the same. Is this a deed of assignment ? Anyone could have done this ! The letter is not even dated for one ! What do you think ? eggy12

What i got in my mortgage statement says ASSESS FEE (Administration fee being debited to the account) ... Im getting hit for 35/£40 everytime i miss a payment.. Under that it says CAPITALISATION (Any fees or interest is added into the interest bearing balance).. The assesse fee is telling me im being charged and the capitalisation is just putting it on the mortgage, or at least thats what i think it means.. So back to my question will they actually just knock the charges off the main mortgage or will it reduce/clear the arreas first then anything left over gets taken off main mortgage.. Leaves me thinking all they do is wipe of the charges but im still left with the arreas.. Sorry for not understanding properly eggy12

Hi all, Im with Birmingham Midshires and over the last couple of years have lots of fee's added. Sent of SAR and got back account histoy for both main mortgage and secued.. Lots of fee's, late payment/returned dd etc. What i was hoping for, because im in arreas was to claim these back and pay off the arreas. Now where im confused is that I have not paid these charges like i would do with a bank account, they have been added on to my mortgage. So what will happen.. Will they just knock the charges of the account or could i get them to reduce the mortgage arreas with them ? Unsure what to do so any help will be appriciated Thanks eggy12

Hi, Ive got arrow on my case and when they sent letter introducing themselves they stated that all contact regarding my account should be made via transcom so i sent them(transcom) CCA request.. Unfortunatly they sent one back within a month.. If everything seems to have gone quiet then it would seem they have recieved the request so i would just sit back and wait, the ball is in there court now.. I take it you know transcom recieved the cca request and if so as i say just sit back and wait. eggy12

Sorry I took it the wrong way, I did not read it properly.. My fault i was having a bad day yesterday !

sorry? ?