sorry hope this is what you requesting andy thanks

could anyone help me with a defence ??? this is not my strong point at all i presume that i can defend it online

defence needs to be in today rang the sols and spoke to the person relevent for my case and she refused to give extention stating that they only give 1 extention now what??? help

got a letter through this morning , i sent them a letter offering £3000 in installments as this is all i can get my hands on as a family member has offered to help me out as a monthly thing .. see attached for there responce .(see below cant attach at the min) ive just read through all the documents ive sent and i think i might have messed up with the dates ,there letter granting a 28 day extention was dated the 15th july so i think ive missed the date i needed the defence to be in although the fax i sent to the court is dated the 19th july ??have i missed the deadline? heres a written upversion of the letter as im having trouble attaching on here dear sir 9th august thank u for your letter dated 1st aug in which the contents are noted. before our clients can agree to a settlement figure we ask how u have arrived at the debt being reduced to 3k ,please send a breakdown of how this figure has been calculated , since the debt has been transfered to our clients debt recoveries dept all interest has been frozen we look forward to hearing from you on this matter

Hi yes sent to the correct place and has been delivered , i will print off a copy tomorrow . what do i do about filling a defence ????

no reply from the letter i sent ,my defence needs to be in by tuesday .. any help please?

hi andy ,i did manage to get the debt to somewere round the 7k mark but couldnt afford the amount every month. i have alot of staments they sent me ,i know when i was paying off the amount it was working out about £200 or so a month and i just couldnt sustain it. im not sure about any legal fees or unfair charges im guessing that when i missed payments they will have charged me intested on top. do i just go through the statements work out exactly what i spent and offer them a per month sum on that basis??? the statements they have sent me is like war and peace so its going to take me sometime to go through the lot. is it the case that i should only account for what i have spent and not add ANY interest on at all .? ps no im not in a position to offer any kind of lump sum not anything over a few hundred pounds anyway .

something along the lines of due to correct paper work been in place with ref to this case i offer u the sum of xxx a week or a lump sum of xxxx. please respond to this request by xx and inform me of your decision . is there somesort of template for this ? writing letters isnt my strong point,id like to get it right so everything is above board.

so whats going to be the best course of action to take???

this was in the letter they sent me see enclosed. they also sent me the 2 previous documents that i have enclosed in a previous post and a shed load of statements . so it seems there holding onto the default notice??? or they dont have a copy off it or they cant prove they sent me a copy .. whats my next move please??? Photo0515.pdf Photo0510.pdf

a copy of the docs been sent Photo0508.pdf Photo0507.pdf

i have now recieved a copy of the agreement with t and c's statements and some other bits and bobs at the end of the letter they have put the following "our client is willing to try and agree settlement reguarding this matter and we are instructed to advise they are prepared to accept a monthly repayment programme on the balance outstanding.alternatively and on a without prejudice basis,our client would be prepared to accept a lump sum payment in full and final settlement on the amount claimed "... the credit agreement thye have sent me does have my old address on it which has been crosssed out and my current address has been put in next to the old address in the box.(this is my hand writing although i dont recall having to do it) and under the sign here for your card section it does have my signature along with the date which shows 27/4/04 is it me been daft but does it seem strange they are willing to take a lump sum ??? or monthly repayment sceme??? any thoughts? i will post a copy of all they have sent me when i get chance to let people mull over (with all names address ref numbers removed) thanks

i think she got a little mixed up she just kept saying u need to submit your defence by 4pm , i tryed to explain that im not submitting a defence im just getting an extention . i did ring them again and just asked for the fax no to submit the letter too and another lady just gave me the number and said please put the case number etc on the fax and that should be fine . so im hoping theres no problems

i have sent the documents via fax too as i wasnt getting a bounce back email to confirm they have been sent ... do i need to do anything else??? do i need to fill out my defence yet?????? im getting all confused now i thought i had it all straight in my head but today has thrown me big time .

got a letter today stating there willing to let me have 28 days extra i rang the court for email addresss etc . i have submitted the docs to the court via email but the lady at the court said i need my defence in by TODAY 4PM???? and they might not be able to submit the request ???? HELP

does seem rather silly haivng they have wrote the letter stating that they needed more time to forfil my request. ill just hang fire until monday and see if something arrives in the post. if not i will go direct to the courts and do it that way. if i win the case will ii be able to cliam the £40 back?? also what if i do the request via the courts and then the letter turns up in the post next day ??

hi thanks for the info guys. im thinking i should wait until monday and see if the cpr 15.5 turns up from the sols. if not i need to make application direct to the Court for an extension ?? this will cost me £40 but will force the sols to give the extension ? this will inturn not look very clever for the claimant as they should have provided the info to me as i have requested?

phoned the solicitor this morning and got told they cannnot email me the documents ,something to do with they dont do it that way? i have requested that it be sent via next day delivery guarnteed ,for which the answer was well we cant guarantee it because were not the post office but i cant try my best. i answered the post office do a guarteed next day delivery service so theres no real excuse as to not get the documents to me ,and her reply was the same . i also mentioned that if they didnt supply me with it i would have to go to the courts direct and applie for the extention thus having to pay . which her reply was thats fine. mmmmmmmmmmmmmmm so now im just going to see what turns up . is it best to phone the court and make sure that if i recieve the info on the very last day that they will accept it via email? or should i just pay to get one sorted through the court ps i have the name of the person i spoke to at the solictitors

so im right in thinking i have until the 19th of july to supply the court with the cpr15.5? is there a template for the cpr 15.5 ? if im correct in thinking i need to get the cpr 15.5 to the solicitors and a copy back to the court by the 19th july (today been the 14th july) that dosnt leave me a great deal of time to get all the paper work sorted ? is there a way to speed the cpr15.5 up? is it worth contacting the solicitors directly for the cpr 15.5 via phone email,,, if i did contact directly what exactly do i ask for ? do i just simply say my name the ref number and that im requesting a cpr15.5 ??? thanks

Hi Andy so do i need to send the solicitors a CPR15.5 or a CPR 18 ??? once i recieve a reply from the above requests i then need to inform the court? is this done online or do i have to do this in writing? also when u say do not submit a defence at this stage do you mean do not write anything in the defence particulars page and submit(sorry i think i know the answer to this question but i need to be 100% sure) also im still not sure on the time line situation. when i send them an extention letter how much time will i have to submit this to the court .

so i have now recieved the following letter. Dear sir Llloydstsb bank plc vs yourself claim no x x x x x x x x x x we refer to the above matter and in particular your request for documents. due to the amount of requests being made by our clients have asked that an extension of 14 days from the date of this letter is required to disclose the documets requested. thank you for your assistance on this matter. dated 8th july 2011 do i need to do anything more???? my online status shows the following Claim Status A claim was issued against you on 16/06/2011 Your acknowledgment of service was submitted on 30/06/2011 at 23:08:01 Your acknowledgment of service was received on 01/07/2011 under responce forms i can click continue defence which then brings up the following page Claim Number: xxxxxxxxxxxx Defendant: xxxxxxxxxxxxx Please note that a defended claim will be transferred to an appropriate county court to proceed. Each step is completed by clicking 'Next' at the bottom of the page, which automatically confirms and saves the information you have entered. Any error messages displayed at the top of a page must be corrected before moving on to the next step. Before you can file a defence to the claim against you, you must make sure the following apply in your case: you are filing your defence within 14 days of service of the claim on you (a claim is considered served on the fifth day after it is issued) or where separate detailed particulars of claim were served, within 14 days of service of those or if you filed an acknowledgement of service, within 28 days of service of the claim (or separate particulars) You don't have to pay a fee to defend a claim. However, you will have to pay a fee if you decide to make a counterclaim against the claimant. If you file a defence electronically through MCOL, do not send a copy by post. If you experience any difficulties, contact the help desk: whcih then brings me onto a defence particulars page my question is do i need to start filling in any of this info yet?????

i have sent the cpr 31.14 request via recorded delivery and its been over 7 days .. i have had no reply at all? whats my next step thanks

right so i have responded to the claim on line and clicked the Acknowledgment of Service. i have decided to defend ,i have found the link on here to the 31.14 (Getting Them To Reveal Their Vitals. Using CPR 31.14 to Your Advantage) do i send this to scm solicitors??who are lised on the claim form thanks

hi guys sorry i have been away working over the past few days so not able to reply the court address is county court bulk centre northhampton? does this make a difference . still at the stage of not done anything yet . im still not sure how i go about things ?? how do i process the defence on line ,when i do this do i then send off the caa to lloyds or the courts ???

when you say go on line and ackowledge service , were can i do this ??? i cant seem to find it in my paper work