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Charbydis

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About Charbydis

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  1. Despite having heard nothing for ages I got a judgment by default because I hadn't responded to the claim. It is date 23/10/17 but I filed my defence on 5/5/17 and have the original email I sent with acknowledgement of receipt. I have received no other communication about the claim until now. What should I do?
  2. So should I add a new paragraph 2 as follows: 2. The account number referred to by the claimant relates to a M&S Personal reserve account opened 19/5/1997 and was a credit account and not an overdraft account as M&S did not at this date issue such accounts. and what else should I add? thanks
  3. All requests sent but nothing so far. If someone could give my draft defence below the once over I would be very grateful. Particulars of Claim 1.The claim is for the sum of £3600 being monies due from the defendant to the claimant as a consequence of the defendant incurring an overdraft whilst operating a bank account(account no.0000000000xxxxxx) with Marks and Spencer Financial services PLC.* 2.The debt was assigned to the claimant on 30/01/2013 and notice of the assignment provided to the defendant, pursuant to the law of Property Act 1925. 3. Payment of the above sum ha
  4. Name of the Claimant : Arrow Global Limited Date of issue – 5/4/17 Date to submit defence = 5/5/17 What is the claim for – 1.The claim is for the sum of £3600 being monies due from the defendant to the claimant as a consequence of the defendant incurring an overdraft whilst operating a bank account(account no.0000000000xxxxxx) with Marks and Spencer Financial services PLC. The debt was assigned to the claimant on 30/01/2013 and notice of the assignment provided to the defendant, pursuant to the law of Property Act 1925. 2. Payment of the above sum has been req
  5. Having gone quiet for a while they have sent me the same letter again(I still have the first one) threatening legal action etc. Shall I send them the same pre action letter requesting documents again or wait until the claim arrives.
  6. Having rushed to get my witness statement in the post the next day I receive a letter saying they are discontinuing their action. At the same time I received a letter requesting income and expenditure for their other claim they got a default judgement on!
  7. How is this for a witness statement: PRA GROUP (UK) LTD v my name claim no: C0HB2Q74 This is the witness statement of my name (Defendant) 1. I am my name, I am the defendant to this claim and I currently reside at my address. 2. On the … I received the papers informing me that a claim had been lodged against me by the Claimant. 3. Shortly after this I sent the claimant a request under the CCA for a true signed copy of the credit agreement (item 1) and also a letter(item2) informing them that I would be defending the claim and a request under CPR 31.14 fo
  8. I have a received a letter from the court setting a date in January for a hearing and asking that I exchange documents. What should I send? I haven't heard anything from PRA yet.
  9. had a letter from restons saying that I should have all the info I need but they are requesting them from arrow and when they get them they will ask the judge to throw out my defence. Sounds like a lot of hot air(polite verson) to me.
  10. I have emailed a defence with form to the courts with 10 mins to spare. I hope will be accepted.
  11. now I can't get mcol to recognise my claim number and password
  12. second attempt Particulars of claim The claimant claims the payment of the overdue balance due from the defendant under a contract between the defendents and*HBOS*dated on or around Jan 17 2002 and assigned to the claimant on Oct 11 2006 Particulars a/c no - XXXX* Date Item Value 11/12/2015 default balance 2000 Post Refri Cr NIL TOTAL 2000* #####Defence##### 1. The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular
  13. I have checked the letter I received from Restons and they say that I should refer back to the paperwork I received from HBOS which I don't have anymore. I need to file the defence today so any help would be appreciated.
  14. I have sent a cca request to arrow and have yet to receive a response.
  15. I got a letter ages ago from restons threatening legal action I wrote to them saying that I was treating it as an lba and asking them to provide the necessary documentation. They replied saying yes it was an lba but they didn't think it necessary to supply the information requested. As I didn't send it to the claimant should I include it then?
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