Called them, they didn't have record but then noticed email. Told me she would need to speak to the sheriff and would call back as court closed for holiday on Monday. She called back to confirm, no need to attend, claim dismissed. Thanks for the help and calming the nerves haha that's some good news

Definetly looks like a letter we welcome then lol should we still prepare to go on Tuesday? Or should we hear from the court by then? Maybe call them on Monday and ask?

Hmm, strange one "Our client has taken a commercial view of matters, and has instructed us to seek a dismissal of the claim on the basis that no further expenses are awarded to or by either party. Please find enclosed a copy of form 9E abandonment notice. We shall now await the courts response in regard to the application"

Excellent, they haven't provided evidence of a single transaction and their solicitor has stated different balances on the letter they sent with the agreement, which I assume was their statement of account. The balance is nearly £200 more on their letter than what they are claiming for

What would a statement of account need to have? Trying to work out if they have complied with the request or not. When I goto the hearing should the first thing I start talking about be the default notice? I'm probably overthinking it all, I'm not used to these types of companies acting lawfully. Been trying myself to get a refund from a well known training and finance provider for the last year, I've just updated that post but that's probably where my panic stems from lol

Thought it would give an update on this 1 year on. Still no refund. I'm pursuing the finance provider. Submitted a data request to them, thu cashed the £10 fee and ignored the request. 45 page complaint went to the ICO. They lied and said the request wasn't addressed to them. Pictures I took of the letter and postal order before sending with their name debunked this. They then said they sent the data as a gesture of goodwill but it was never received, couldn't prove they sent it or that it was received, didn't send by recorded mail. ICO ruled that they should have complied with the request within the 40 days, ordered them to send my data and told them that they need more training. Finally got my data 4-5months after making the request. Finance company Always claimed my allegations had no substance and sent me a 44 page booklet detailing how all the information on the internet is false, the booklet detailed a lot of defamation against someone else who had got a refund for their course. I forwarded this booklet to the individual who was detailed in the book who now has a barrister and lawyer working on a defamation case against both the finance and training provider, I'll likely also be a witness if it goes to court. I compiled a 250 page complaint, 7 pages of which were an account of everything that happened. Also discovered that the debt collector instructed by the finance company to collect the outstanding amount in 2009 was a dormant, non trading company using someone else's FCA number. Finance company objected to the ombudsman looking at the complaint due to the passage of time. The advisor also agreed and wrote to say they can't look at the complaint as I got the course in 2007 etc... Waiting to hear their outcome and are using them as a form of ADR. I asked for a true copy of my contract with the finance provider who sent me a true copy of the front page and rather than sending me a true copy of the back page they attached a completely different set of terms. Luckily I still had the original and the new terms printed directly on the back have changed the jurisdiction of the law from "the country your are domiciled in" to "the English courts have exclusive jurisdiction" I'm in Scotland, they clearly don't want me taking them to a Scottish court. The solicitor for the training course has been in contact with me and their isn't a single bit of truth within their letter. I will get my refund.......

Okay then, probably not worth pointing out then. Although the dots are also missing and grammar is important, always remember (let's eat grandpa compared to let's eat, grandpa.) In the CCA request, the legislation states a statement of account. Would this be classed as a breakdown? E.g. How much is interest/charges? No default notice yet, what's the chances of them showing up with a reconstituted one on the day? With the date changed so it shows the account being terminated and sold after the 14 days and then claiming they made a mistake in their claim. Have a feeling this is what they are going to pull. They won't be able to prove they sent it tho because they didn't. The time has lapsed for submitting their evidence but I'm starting to realise the court aren't as strict as what I thought they would be as the court didn't seem bothered that the date on the contact being different from what was put in the claim.

Not going to mention OC, didn't make any mention of them at the case management meeting. I'm still a little confused about the notice of assignment. It's dated 25/10/13 but in the claim form Shoosmith claim that they purchased the debt on 29/10/13. How can they send a notice of assignment 5 days BEFORE the assignment. The notice doesn't say we are going to sell your debt, it says the account was legally assigned.

Should I consider sending anything to the court asking for the claim to be struck out if they don't send me the information I have requested as it states on the court hearing order or just wait for the hearing and go for it? I'm going to be relying on case law for sight of the deed (van lynn developments vs pelias construction) should I include this in my evidence? Not really sure what else to submit as my evidence other than proof of postage for my requests and the letters I've sent them, it's not due till 14th November tho.

No statments or statement of accounts. No default notice from claimant or OC. Just going by what Shoosmith put on the claim form regarding default notice (which should be facts?) We are also 100% certain the account credit was not used at all between the dates they state on the claim form They haven't mentioned a default notice in their evidence either

sorry for the delay... ive uploaded the evidence which i received from shoosmiths dated 05/10/17 which is dated 1 day before the case management discussion but received nearly a week after the case management discussion. notice of assignment is there, which appears to be a reconstituted notice of assignment. the defence that i submitted was just stating that i had not received any information, they have not complied with a CCA request, never received a default notice, never received a notice of assignment. no freeman/FMOL stuff. first letter was sent to them in july when the claim form came, the letter changed the address (they had old address) asking for the agreement, terms and conditions and deed of assignment, followed by another two similar letters. no reply was received (other than one saying they will need to request this information from their client, who will need to request it from the OC) until after i filed the response when they sent a contract which doesn't have the date they state in the claim. i then sent them a further letter dated 05/09/17 requesting, the alleged agreement, default notice, notice of assignment, deed of assignment and full statement of the debt. they responded saying they refer me to their previous letter which said they need to request this from their client. 31/10/2017 is their deadline according to the court hearing order. i was going to send them the same letter again requesting the information again but decided there is no point repeating myself as they are meant to be professionals i should also mention that the claim is against my sister, i'm down as her rep. anxiety got the better of her on the day and i went to the case management discussion without her, which the court was fine with. At the hearing I'll be stating that just saying and agreement has been assigned and producing a notice to say that it has been assigned does not prove legal assignment. If that doesn't work then I'll go on to the fact that the OC or the Claimant hasn't complied with statutory regulations as they didn't issue a default notice and still can't provide one or prove they sent one. The claim even shows the account was terminated and sold 12 days after a default notice was allegedly issued. Any help on the statutory requirements regarding the claimant and statements and other regulations would help greatly the letter i sent them dated 05/09/17 which was the last letter i sent docs 1.pdf

I'll Get everything uploaded tonight, they have also sent their evidence however they have dated this 5/10/17 (which was day before case management) and we received it on 13/10/17. They have sent the contracted dated 26/03/13 again when the claim form says it's dated 18/03/13 and have included a notice of assignment dated 25/10/13 although the date isn't where it should be and the notice is missing dots (.)

Sorry for the delay, it was a super busy weekend Didn't go as well as I had hopped. I should have pressed more about the information so far not being supplied. Court was running late and they didn't appear to want a discussion as a hearing was ordered pretty quickly. He said something about it being a hearing of proof. They need to supply their evidence to me 28 days prior to the hearing which is 28/11/17. I've to submit anything 14 days before. Haven't been to court before and expected it to be in a closed room, it wasn't and there was lots of people there and I don't feel I put my point across as I should have, I was thrown off by him asking me questions rather than letting me speak. Judge seemed to know that they had given me a contract with the wrong date despite their solicitor not mentioning it when he spoke, not sure how that was possible. I said they haven't supplied any of the information they refer to in their claim or responded to the information request. I didn't specifically say it was a CCA request thought and didn't realise this until after, disappointed about this and think nerves got the better of me as I hate public speaking lol Judge didn't specify their evidence, I feel that I should maybe make a request to ensure I get what I'm looking for but I'm also thinking that I should make a request for the claim to be dismissed and then detail about them saying evidence will be produced at any defended action Hereon in. I imagine both are done using the form 9G incidental orders? Should I post what I used as my defence when I submitted it? I stated in the defence that they have not responded to a CCA request

Simple claims procedure Who Is The Claimant: capquest investments limited Who Are the Solicitors: shoosmith LLP What type of action? (simple/Ordinary): simple What is the claim for : This is exactly as written on the claim form D1 1.The claimants are a finance company which inter alia operates the business of debt purchasing. By virtue of a debt purchase agreement ("the agreement") between the claimants and shop direct limited ("the original owner") dated 29/10/2013, 2.the claimant acquired title to and was assigned the right to payment in respect of all debts and other monetary claims of any nature due or owing by the Respondent to the original owner which were in existence as at the date of the agreement, and in particular in relation to the contract hereinafter condescended upon. 3.The said assignation was intimated to the Respondent by way of a written notice on or around 29/10/2013. 4.The agreement between the Respondent and the original creditor upon which this action is based was regulated under the consumer credit act 1974. 5.Further information in relation to that agreement is contained in section D4, where we set out the sums due and the basis upon which they fell due. D4 1.The said contract between the original owner and the Respondent is a regulated credit agreement in terms of section 189 of the consumer credit act 1974. 2.It is dated 18/03/2013 and related to a mail order account issued by the original owner for Littlewoods with account number 9856XXXX. 3.On numerous occasions between 18/03/2013 and 17/10/2013 the Respondent utilised the credit facility created under said agreement by purchasing goods and services on credit using the facility. 4. The original owner issued statements in relation to the account on a regular basis upon which would be stated the current balance the minimum payment which required to be made in terms of said agreement the payments to be made each month fluctuated from month to month depending upon use. 5.It was a term of said agreement that a failure to meet any payment on a due date would render the account in default and would entitle the claimant to serve a notice of default on the Respondent requiring the responded to remedy the breach within 14 days failing which the agreement would be terminated. 6.On or around 17/10/2013 the Respondent failed to make payment of a sum which had fallen due and the said account thereby entered into default. A default notice was issued to the Respondent on 17/10/2013. 7.The Respondent failed to remedy the default following upon service of the said notice and the account was accordingly terminated in accordance with that notice. The account remains in default. 8.The sum due in terms of the said agreement amounts to £685.35. The right to receive payment of the sums due in terms of the said account vests in the claimant. D8 The claimants agents issued 3 letters and made 2 phone calls between 16/05/2017 & 29/05/2017 requesting they contact the agents to discuss. There was no response to those letters. Last Date Of Service:- past Last Date For Response:- past Case management hearing tomorrow 6/10/17 What Documents are listed in Box E2:[or in your form requesting the same?] "A copy of the credit agreement, statements of account and notice of assignation will be produced in any defended process to follow hereon" Is the claim for a Overdraft, credit card, loan account, HP Agreement, Catalogue or mobile phone debt Catalogue debt according to the claim D5 what has the claimant said]: I want the court to order the Respondent to pay me the sum of £685.35 from your knowledge: answer the following: When did you enter into the original agreement before or after 2007? Allegedly 2013 but OC has also supplied a contract dated 2012. Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt assigned, DCA taking court action, OC has stated in a letter recently to me after I requested information that "they are not in the process of initiating a claim against me however they do reserve their position in this regard" Were you aware the account had been assigned – did you receive a Notice of Assignment? No notice received, I requested the notice on 17/07/17 from both the claimant and their solicitor and they have yet to provide it, stating they are relying on the OC providing the requesting info and will forward this to me when they have it Did you receive a Default Notice from the original creditor? Same as above, not yet supplied Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No, they had the wrong address for me as I done a legal house swap with a relative in 2014. The claim forms were served in person and by sheer coincidence the Sherriff officer appear at my old address when I was visiting and my relative came and got me. I did explain that this wasn't my residential address but took the claim forms anyway and then changed address with the court and claimant. My relative says nothing has came in the post for me recently and anything that does gets returned to sender, marked not at this address. When was your last payment:- unsure, a statement from the creditor regarding the account number 9856Xxxx says my last (and only payment) was on 20/04/13. However on the statement it shows a balance being transferred from another account and the statement of statements they supplied shows that no goods or services were purchased in 2013. Why did you cease payments:- financial difficulties and family problems. Was there a dispute with the original creditor that remains unresolved? No but there is now because they have not been able to provide information that I have requested and they also state in recent correspondence that a request was made for the balance of the 2012 agreement to be transferred to an Internet Bearing Credit (IBC) on 18/03/2010. No idea what this even is but the agreement they provided with the account number mentioned on the claim was dated 26/03/13 and has a credit limit of £100. The statement for the 2012 account shows £196.84 of interest being added and then the balance being transferred to the account the claimant mentions in the claim forms on the 30/03/13 yet the first thing on that statement shows the 1st statement date of 23/03/13 and says "balance transferred from account 2477XXXX" It does look like the OC has been playing around with the statement of statements because some dates are a year out. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan ? No, not that I'm aware of although I might have done at the time, currently waiting on a DSAR getting returned from the OC The defence submitted is not the one you guys use however it's stating I don't owe the claimant money and they have failed to provide any information (agreement, default notice, notice of assignment etc). Didn't realise you guys had this and wish I had discovered it earlier however I was hoping you could shed some light on the regulations. Would I be right to say that the creditor should have issued notice of default sums (CCA 86e) after 1st payment missed (most likely on the statement) then if the second payment is missed they issue notice of sums in arrears (CCA 86C) with the FcA and a default notice (CCA 87/88) Secondly they haven't complied with the CCA request I sent on 17/7/17 under section 78, I made a request to the OC and one to the claimant, they both got back saying they have passed the request to each other lol have no idea who's dealing with it. Last time I checked only the OC had cashed my £1 but the Claimant hasn't returned the £1 they got. I'll check with the post office just now to see if they cashed it yet Have also realised I might need to send in that order for information to the court, I imagine it will be okay taking this to the case management discussion Oh and in the letter from the creditor it says they sold the debt on 18/10/2013 and claimant claims a default notice was issued on 17/10/2013 Oh I should also mention that the CCA request was done as soon as the claim was served, I'm not sure if that applied to the claimant now as it was done after they raised an action

Hi all, Just wondering if anyone can shed some light on this. A debt collector based in Manchester has instructed a solicitor based in Edinburgh to raise court proceedings in Scotland (Simple claims procedure) for an alleged mail order debt. The claimant claims that they have been legally assigned the debt however no default notice or notice of assignment was ever received. They haven't been able to provide anything so far other than an agreement which has a different date to what is stated in the claim. The Claimant hasn't complied with a CCA 78 request submitted nearly two months ago , their solicitor did provide a statement of the account however the amount is different from what they are actually claiming on the claim forms The creditor hasn't complied with a CCA request I sent them either, would I be right to say that if they are to comply fully with the request the statement they give should state the balance is £0 as the debt has been sold? The creditor sent me a letter and within this letter they claim the debt has been sold and it was sold on the 18th. It's a strange letter from them as they claim i sent them a money order or promissory note to try and discharge the debt when my letter simply requested information?? It made no mention of any of this. The claimant claims the default notice was issued on the 17th within the claim, the creditor hasn't mentioned any default notice but said the debt was sold on the 18th so the creditor essentially sold the debt before a default notice was even served due to postage time? Strange because in the claim the claimant claims they were assigned the debt on the 29th which if true, would still only be 12 days into a default notice and that doesn't include service time. The claim also says the claimant was entitled to issue a default notice when the debt hadn't even been allegedly assigned when the default occurred, it was the creditor that was entitled to send this as the claimant was not a party in the original contract? the contract they have supplied states the governing law is England and Wales. In a letter from the creditor, they state they are not in the process of initiating a claim however they do reserve this right. Action has been started in Scotland so if it's been legally assigned how can the creditor still claim to reserve this right and what would stop them raising action in an English court as well? Should I raise this question? The judge has asked for a case management discussion

I'll let everyone here know how I get on. Data request returned with very little, shows some of these cheques being extended for 7-8 months while they continued letting me borrow. They have had 8 weeks since my first complaint, giving them a little more time to give me a reply before submitting to ombudsman, they have wrote twice during the 8 weeks to say they are still investigating, the second/las letter said I can raise it with the ombudsman but they also mentioned the limitations act so I may have left it too late

I've spend the last month gathering information, its took over my life haha bit I've never been this confident and it's all my own research and nothing is misrepresented. The limitations act is the only thing stopping me from opening a claim in the small claims court, need to know the exact rules surrounding this act as it's not very clear. I wrote to them in 2012 asking for a refund due to mis-selling so this would be my point for the start of the 5/6 year time limit, meaning I'm within the time (just) but someone else mentioned something about 3 years :S if I can't figure out the limitations act I'm going to open a case regardless as that will give me a sure answer from a judge., it's basically going to cost me court fees to settle my mind haha I know they will use this act as their defence and therefore I want to be armed with a counter argument for this before I start a claim

I apologise for the length of this, this is a shortened version believe it or not! Hi, I'm wondering if anyone can give information on the limitations act before I open a court money claim. a company sold me an IT training course in 2007, 4 courses totalling £3700 and the finance was to be paid over 3 years. Paid them for about a year and done the first course, ran into financial difficulties in 2008, wrote to finance company who never responded (they claim they sent an Income/exp. form, they wrote to me after this and tried to attach the income form they sent but instead sent me someone else's agreed repayment plan) Debt collector took over in 2009, i had a separate contract for the training course and a separate contract for the finance as they were two different companies The debt collector said I could no longer do the training course unless I paid £40 per month and the finance company has taken legal advice about this, which I didn't pay so they then sent a £75 cancellation fee to write it off, I didn't pay this either. At the start of my training the training provider wrote me a letter thanking me for my payment and the course was paid in full by the finance provider. I wrote requesting that 2 of the courses be refunded as I hadn't started them or receive the course materials, they replied saying they can't as monies and materials have passed hands from the finance provider to the training provider. In 2009/2010 I found reports online about the contents of the courses saying they were worthless it also became clear the tactics the sales advisor used in my house were wrong (100 complaints gathered by BBC watchdog), I was lied to and they never delivered any promises, They didn't chase me for the money again until I sent a data request to the training provider in 2011, requesting some details in March 2012 the finance company appointed another debt collector who tried to collect on behalf of the finance provider and added £800 charges in the space of 3 days (balance letter from finance provider on 3rd shows £2600, first letter from new debt collector on 6th of the same months shows nearly £800 increase. Used logos from companies on the front of their material and website that they did not have permission for, pretending to be a member of a code of conduct when they were not. There are many more problems I had and things I've found that builds a big picture of how they basically [problem]med me, between the sales advisor, course materials, false promises and more. I know I'm far to late to tackle the sales pitch and lies I'm wanting to take them to court for misrepresenting it to me, trading standards said as its over 3 years they can't bring any criminal charges against the company (I spent about two hours last week with someone from trading standards showing him what I've found) and he didn't know much about the limitations act, much like myself. I know it has an exception to the 5/6 years and this time limit won't begin until I notice the breach, can I use this as my point, meaning I'm still within this time period? What other things should I be aware of? I've been round every lawyer in my town and couldn't find someone to take it on, I went round every lawyer last week who say they don't specialises in that, they tell me who does, I visit them and they tell me they don't specialise either (if the company broke my arm or injured me they would specialise in that ) I've been in correspondence with the training provider recently who returned a data request showing I still owe money even tho the letter I got in 2007 days paid in full, the finance company has clearly clawed money back, as they both have the same director I seem to be the only one who isn't getting back what's due as now I've sent my EVIDENCE, the training provider wrote back saying the complaints going in circles and they are no longer willing to speak to me but will speak to a legal representative working on my behalf. They quote the limitations act as the start date of my contract and ramble on about the defamation act, saying most of the information online isn't true. My information comes from the national web archives and emails from the companies who's logos they used, I've forwarded all information onto the relevant bodies who's endorsements they used but some have replied saying it's too late for them to do anything. The finance provider is on the deadline 40 days for a data request which it looks like I won't receive, most likely because I was never sent the letters they claimed they sent, meaning they probably need more time to "create" these letters.

Thanks for that, I've asked them to provide more as I can even see the exact 6 year mark they've made the cut from their database. I done a similar request in 2011-12 and what they sent then is totally different layout to what they sent recently

Hi, I'm wondering if anyone can help as I'm having trouble getting any form of refund from the money shop and cannot understand the data request they sent me back. I took these loans with a cheque book. The money shop asked that you leave the cheques date section blank encase the loan was extended. The terms of the agreement say they may extend it for a further 30 days and some of these cheques in the data request say they were extended for up to 17 months. I don't believe the money shop carried out any credit or affordability checks as they were always guaranteed their money through the cheque guarantee scheme and that's why anytime I borrowed money it was done with several £100 cheques etc. The money shop advised me when I started having difficulties repaying and extending more and more that I take out new cheques to extend or pay off existing cheques, which I stupidly done until I couldn't actually borrow any more due to credit limit. When I just physically didn't have any money to pay them to extend or take new ones I informed the store, hoping that I could setup a payment plan or something. The store didn't offer any help or advice and instead went and attempted to cash everything with the bank and attack any cards I had previously used in store or over the telephone to empty my account by trying for £100,£75,£50 and £25 payments until the couldn't get any more, they even managed to get £25 from a credit card I used to extend loans over the phone and instore. Once they couldn't take any more they sent the outstanding cheques to the bank, the bank paid half of them (£300) and returned £400 (4 cheques) back to the store who added £25 charges left right and centre per cheque. This messed my bank account up and left me over my overdraft and my account -£800, which included all the banks charges (bank charges have since been refunded) I was self employed at the time, using my business cheque book and business bank account for these cheque book payday loans, should they money shop have given me consumer credit for a business account in this way? All the cheques said my name TRADING AS business name. The data request they sent back is a half attempt to further confuse me as they have only included 1 agreement but I signed a different agreement for each cheque and for each extension so I was expecting a rather large data request to be returned. This cheque boon payday service was used from 2007-2011, can anyone help on my next steps? I wrote to the money shop more than 8 weeks ago, they wrote to me about 4 weeks saying they are investigating it then wrote again at 8 weeks but the letter is rather confusing as they make out like they are still investigating my complaint but also said they believe I'm out of time to complain (not those words) and can take it up with the ombudsman. Because they didn't provide the agreements they I can't really work out how long I extended cheques or even what I paid as the cheques weren't dated, the date was written in by the store when they went to cash them. I think I should maybe open a complaint with the ICO as their recent request really is confusing and they use a lot of abreviated terms and don't say what they mean.