I'll get that sent back this week. Do i have to send my evidence/defence off or do i just sit on it until the actual court date, because when i rang to ask them to send me a N180 form out they told me that i have failed to submit any evidemce to support my claim? I'm so confused by the whole process and its stressing me out big time. Thanks, Dan.

Good evening, So yesterday i recieved a response from GB finance and investment, letter states as follows; R.E court proceedings. I write regarding your recent correspondance and enclose a statement of your account as requested. Our records note that you wish to dispute the amount owed and so we will be attending court to discuss this matter further. Please advise if you require and additional information in order to assist you with the pending court proceedings. Then attached is 3 pieces of paper where hes typed out the dates, a balance and an amount paid, another piece of paper that is typed up stating that R&J auto assigned the debt on 16.01.17 addressed to whom it may concern, and a copy of one of the contracts. I've also recieved a N180 form from Salford which i have to fill out and send back by the 18.05.17. I'm presuming that this is supposed to be my response to the CPR snd CCA request.

Good evening, Just a quick update... I've still not heard anything from GB regarding the requests, i have today received a letter from Salford saying my defence has to be submitted by the 18th May. I have a day off on friday so i'm going to start penning a few notes ready for submitting my defence. Dan

Yes, the address on the response pack says to send it back to Salford.

no, there is no password anywhere on the claim form. I've even looked on the response pack they sent in case it was on there somewhere but it isn't. Thanks, Dan.

Good evening, Just a quick update - As there was no solicitor listed on the claim form I posted the CCA request, postal order and CPR 31.14 to him yesterday, first class & signed for which I checked earlier and have confirmation was delivered to him at 1.05pm. the next step is responding to the claim, as it still wont let me respond online so I'm going to post it back to them. Am I right in saying that I need to send both the acknowledgement of service, and the defence and counterclaim forms but I do not write anything in the defence box, I just leave it blank? I've printed out all emails sent to and from him, along with spare copies of the CCA and CPR request, as well as the information found on R&J and GB financial from companies list. I've also printed out the details about the company from the FCA, and I searched the FCA number stated on the claim form which is registered to a R&J auto finance that is registered at his dads address, but in the Son and his mothers name, with a date registered as 27.02.17. I have also printed his dads obituary from the local paper, which states that he died suddenly on the 16th January 2017, as his son is claiming he was instructed to collect the debt on that day. Do I need to post any of this off with the acknowledgement, or do I just sit on it for a while? Also the 28 days to submit a defence does this start from the date of service stamped on the claim form which is the 21.04.17, or the date printed on the claim number sticker, which is the 18.04.17? sorry for all the questions, just a little puzzled as to where to go from here. Thanks, Dan.

Good morning, i've just logged in to money claims online, and it won't let me respond online, I have to fill out the response pack and post it back. so obviously I need to fill out the defence section, but do I need to send the acknowledgement of service too, to ask for 28 days to prepare the defence? And if this is the case the defence section has a box where I need to state my defence, what do I put in it? Thanks, Dan.

I'm off work in the morning so ill get the laptop out so i can read it all properly, and crack on with it. Thank you for your help, its really appreciated. Dan.

Will do, sorry for sounding daft but whats a cpr31:14 request? I'm not sure who his solicitor is as its not written anywhere? Yes, he did put there. He also spelt my husbands name with a ph, and im a daniel. Thanks, Dan.

So what would i need to state in the defence form? Would i state that he isnt licenced to collect money, and the old company dissolved etc. Thanks, Dan.

Name & name borrowed money from R&J auto finance (fca registration number 716425) there total outstanding is £8,800.00. The loan is now significantly in arrears and GB finance and investment limited were appointed on the 16th January 2016 by R&J auto finance to collect the loan. GBFI have tried to work with name and name on this matter and GBFI have indicated a willingness to agree a structured payment plan but name and name have refused to cooperate. Given the fact that name and name refuse to cooperate with GBFI on this matter then there is no alternative but to seek recourse via the courts. I should also add ive just noticed the court papers say he was instructed in 2016 but the initial correspondence states 2017.

Name of the Claimant ? GB investment Date of issue – 21.04.2017 What is the claim for – Name & name borrowed money from R&J auto finance (fca registration number 716425) there total outstanding is £8,800.00. The loan is now significantly in arrears and GB finance and investment limited were appointed on the 16th January 2016 by R&J auto finance to collect the loan. GBFI have tried to work with name and name on this matter and GBFI have indicated a willingness to agree a structured payment plan but name and name have refused to cooperate. Given the fact that name and name refuse to cooperate with GBFI on this matter then there is no alternative but to seek recourse via the courts. What is the value of the claim? £9,200 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Loan account When did you enter into the original agreement before or after 2007? After 2007, 2014 was the date on the last agreement. 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. By his son through a different company. Were you aware the account had been assigned – did you receive a Notice of Assignment? Only on the same day he sent me a letter asking for the money. Did you receive a Default Notice from the original creditor? No. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No. Why did you cease payments? Late 2014 What was the date of your last payment? Not exactly sure because it was paid cash. Was there a dispute with the original creditor that remains unresolved? Yes. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes, i sent him a SAR and never got the paperwork and i found out he had dissolved the company. Sorry forgot to mention in regards to a default notice, i didnt get anything on paper, but he did text saying payment is due on a weekly basis for a while.

Good afternoon, ive ignored all correspondence today i get a county claim form which i rang up and checked the legitimecy of. It states that they are claiming for money borrowed from R&J auto finance fca registeration number 716425. States they were instructed on the day his dad dies to collect the debt. The fca number comes back to his and his mothers name, trading as R&J auto finance as of 27.02.17. hes asked me for 3 different amounts. To be quite honest i dont know where i go from here, i rang citizens advice but they cant help on the phone i need to make an appointment to go and see them which is going to be difficult since i work all the hours god sends I have never denied owing someone the money, i stupidly borrowed it, i begrudge paying back an amount that seems to be plucked out of the air, just to line somoene elses pocket. It clearly isnt going to the company that it was owed to so i dont know what to do. I asked him for a copy of all the contracts and he has only sent me one dated april 2014.

I'll wait to see if he sends court documentation through he emailed me and offered me one last chance to arrange payment before he sends it to court.

Yes thats the one i found. But the adress on the letter, and contact telephone number is for a mobility shop he owns.

Sorry for re opening an old thread but thought it would be easier than starting a new one to explain whats already happened. I sent this company a SAR, and have never heard anything back and when i did a company check they were dissolved in 2014., however a couple of weeks ago i received a letter from a GB finance and investment ltd claiming they have been instructed to collect the debt. This happened on the 16h of Jan 2017, the day the owner died. This GB finance and investment ltd is owned by his son, and says he can legally collect the debt. Up until this point i've never heard of them, and i've asked for proof of ownership of the debt which is just typed on a piece of paper dated 16.01.17. He is now threatening to take me to court. I emailed him and said thats not proof of ownership as i could of typed that myself but he says if i want to sort it out and see oroginal contracts then i need to go down and see him face to face, in his mobilty shop. I have no issue in paying this debt so long as it is paying off this debt and isnt some kind of con. I'm at a loss from where to go from here. Can anyone help please?

Evening all, I bought a rescue dog from a rescue centre, and I was told I needed to take my two dogs up to see if they get along with each other before we could take the third one home, which we did. This place offer a 4 week settling in period, where you can send the dog back in that time if it doesn't work out. So nearly 3 weeks into this months trial I had to send the dog back as he and my eldest female dog were not getting on, and the fighting etc was still not settling down, so to save one of them getting seriously hurt, he went back. Now they have told me I cant have my money back, I can only have a credit note. Now this wouldn't be so bad if I could use it in the shop section on the dog foods etc, but I have been advised that it is only to use towards another dog (nor is selling the voucher on allowed). now my argument is that my eldest dog obviously doesn't get on with other older dogs, to which they said to use it against the cost of a puppy, which would be all good and well if the £150 credit note would cover all or most of the cost of a pup, but their cheapest pups start at £300 + VAT, and I don't have that kind of money. So my question is, where do I stand? can I demand my money back legally, or have I wasted £150 that I cant use? any help would be much appreciated. Danielle. x

They produced no evidence in the tribunal to try and prove he was where he was accused of being, just the "witness statement" from the man, but yet they wouldn't take his witness statements into account to say that he was where he actually was. He told them he smokes, just not in the car. He wont smoke in the car, because its not worth the ban, ironically enough. I'll get onto the council Monday morning and start chasing it up although they have said they have sent relevant paperwork through the post. cheers, Danielle.x

There is an appeal process, we have to wait for the council to send a summery of what was said in the meeting to us by post, then they said if we still wish to appeal it, it will be put to the magistrates court. There is no cctv in the area, I asked the school and the neighbouring Day centre. It is our car, we bought it and licensed it, but it is also our family car. My husband asked them why is it their legislation states its a 2 week ban max for them ruling guilty, yet they gave him a 3 week ban, to which they replied that they can make it up as they go along. Danielle,x

Evening all, I have a problem, and not sure where to start at all so any advice would be much appreciated. Heres a brief tale on whats happened so far. My husband Is a taxi driver (private hire), A complaint was made by a person that works for the environmental health section of the council hes under, that he was smoking in the taxi at 2.30pm on 1st July 13. He was called in to the council offices and interviewed under caution by a man from licencing. My husband explained he does not smoke in his taxi, nor was he at the place the man stated as at 2.30 we were parked up outside school. They explained that if he admitted it now he would only get a weeks ban, but if he denies it, then it would go to council tribunal and if found guilty he would serve a 2 week ban. My hsband again stated that he was not smoking in his car, nor was he at that place at that time as he was on the school run. They let him go and said they will be in touch. A couple of weeks later they sent for him again, and again interviewed him under caution, and asked was he ready to admit to it yet, and change his statement. My husband again said he doesn't smoke in his taxi, nor was he at that place on that date and time, he could prove it as we say hello to a few parents that are parked up at the school. We are at school for half past two everyday. The man told him to prepare witness statements stating that he was there. My husband got a letter 6 weeks later saying his tribrunal day was today (25/9/13) and that they can convict him on the probability that he was, and if found guilty he would get a 2 week ban, and/or have to sit his NVQ again. My husband has just returned, saying that they have told him they are not taking his witness statements from 3 different people into account, and furthermore, they are giving him a 3 week ban and he has to re-sit his NVQ. They have told him that he has 3 weeks to appeal for review at the magistrates court, if he doesn't his ban will begin in 21 days. Now I don't know what to do, he cant take the 3 week ban and re-sit the NVQ as the fee for the NVQ is around £200 and the 3 week ban will leave us in the red by £300 + per week on his taxi bills alone, let alone shopping, household bills, school meals etc. He is the only bread winner in our house, and day to day bills are a struggle as it is, let alone with this hanging over our heads. Isn't there a law somewhere that says you cant take work tools if it will cause financial hardship, let alone that they have found him guilty on probable cause. Any help will be great, as we have had 2 losses this month, one being our baby, and now with this hanging over our heads, its pushing us over the edge. Many thanks, Danielle. x

its just a standard no fee current account. Danielle.x

Evening all, A while back I sent a SAR to the RBS, but they failed to send any statements of the account, or a list of any charges applied to the account. So I sent them a non compliance letter, and they sent a list of charges, but only from 2009 - 2012. Now this account has been opened since around 1994 at least, so I find it hard to believe that before 2009 there were no charges applied to the account ever. Do I write back to them and tell them that they have still failed to complete the SAR because I should of received all charges from all years? Not sure where to go from here. Thanks, Danielle.x

will do thank you xx

That's great stuff, i'll ring him and tell him now, he'll be chuffed to bits. Thank you for your help dx, im so lucky to have found this site. Many thanks, Danielle.x

Hi there, Right, I have today just had a letter from the RBS stating that they want to award just over £1,600 for my dads mis-sold PPI. Now, using the help of you lovely people, and the stat int sheet, I calculated it to be just over £1,700. Now I did read somewhere that the statint sheet can't be 100% accurate, so would you say that this was close enough, and should I tell him to accept it? Many thanks, Danielle.x