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kellemeek

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About kellemeek

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  1. I have rang a free legal advice centre in Hull and they said i can pop in sometime tomorrow to discuss it with them, I dont have a clue as to what to do so i hope maybe they can help me with it.
  2. yeah its 4 blue pages long. I have sent the section off asking for another 14 days because i want to defend the claim. Could i not just write up a defence to the court and attach the letters recieved from Next to the blue court papers or is it better to get the n244 forms?
  3. and will i have to attend the court because its about 150 miles away from my home town and i am due to have a baby in the next 3 weeks.
  4. Hi there, Is this the form? The requested resource (/HMCSCourtFinder/tiles/Her Majesty's Courts Service - Court Information and Addresses) is not available Do i send this off to the courts with photocopies of the letters next sent me and also the court fee? Or do i send the form off with the fee? Im stuck as to what to do.
  5. I will try too yes, i dont know a great deal about computers as you can tell. But please be patient with me and i will try and do my best.
  6. Hello there, I have resized the last one Hope you can read it.
  7. 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 conditio
  8. And yes they sent the debt to moorcroft. Who said they wanted £110 a month or they would be taking me to court.
  9. I really cant remember if a default notice was issued. I have checked all my letters and cant seem to find one. A few questions 1. If they have issued a default notice is the debt enforceable in court even though there is no signed credit agreement? 2. If they have issued a default notice is there anyway i can request a copy of it?
  10. I dont think one was served, does this matter to the courts?
  11. Hi there, I sent a cpr request last week and next have sent me a letter back saying : We have previously supplied you with or please find enclosed a true copy of the credit agreement. We are satisfied that this meets with our obligations under section 78 of the consumer credit act. By way of explaination, under section 78 of the consumer credit act, Next must supply any customer with a true copy of their credit agreement upon request. For the purposes of section 78a , a true copy need not been an exact copy or photocopy, as long as it contains every material provision of
  12. And sorry for all the bad spelling mistakes. My little girl thought it was a good idea to throw my glasses in the park pond.
  13. It says BALANCE UNDER AN AGREEMENT REGULATED BY THE CONSUMER CREDIT ACT 1974 MADE BETWEEN THE DEFENDANT AND THE CLAIMANT OR ITS PREDECESSOR IN TITLE ABD OUTSTANDING AT THIS DATE THE DEFENDTANT REMAINS LIABLE FOR MAKING REPAYMENTS UNDER THE AGREEMENT UNTUL THE OUTSTANDING DEBT IS REPAID IN FULL. the claiment is next directory ltd and the solicitors are MLS in stockport.
  14. Hi there Its from Northampton ccbc abd has a claim number on it, Its four pages long and i have to put all my income details on it and what i spend on food and bills etc. The offer of repayment is underneath this part and asked if i can pay the amount admitted by a certain time or says i can pay by monthly instalments and asks for how much i can afford.
  15. For background info: When did you start the account with Next? Is the amount they are claiming more than £5000? Have you ever had any charges added to the account eg. late payment, over limit? If so, have you ever reclaimed them? Did they ever issue you with a default notice? I opened it in 2006 i think but i am not sure. The total is for £670, and yes late payment charges have been issued onto the account and i have never reclaimed them before. I think they have issued a default notice in the past. The debt was taken over by moorcroft and they said they would only ac
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