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fishfood1

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About fishfood1

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  1. hello as per post 70 hoping I've done it correct thanks
  2. hi ooh not sure what's happened am benlucy378 regarding capquest. I have been on another Forum and I was registered on their as fishfood1 when I come to log in it said benlucy378 not found.
  3. hi just to add along with the recent forms they have sent documents and it was a loan and signed agreement all photocopies.
  4. hi I know its a while since I was last on the site. I never heard anything from the courts or capquest until july/aug this year sending me a financial situation form to fill in my outgoings I have written to them and asked about settling the debt since they sent this it was about getting a consent order. I have made an offer and they say once I return the out goings form they will consider the offer. im saying 20% of the original debt. I was curious as to why I never heard anything from the courts. I didn't get anything from capquest with regards to the signed agreements etc.... many thanks
  5. hi in need of some advice please, anyone who can help I received a letter last year from Lowell and stupidly ignored it because I couldn't remember the debt. I received another one 13/7/15 saying that id failed to make arrangements to pay etc.. . and it is passed to bw legal and to make contact with them. I sent a short letter asking for details of this account etc...(shop direct )to bw . bw legal letter that came with lowells letter stated they have been instructed to commence legal action if no response or payment received by 29/7/15. I sent my response recorded delivery and I received a letter back from bw legal saying thanks for the letter we received it on the 29/7/15 etc.. . we have referred your request to original creditor. today I have received a county court claim form issue date 30/7/15. they have added interest and other costs if I owe it I will pay it but id like to know what im paying for first. many thanks
  6. Hi just to say big thanks to everyones advice. I called hmrc over a small over payment from last years awards less than a 100 thankfully. They asked had I any other' so I explained about the larger debt and how I had originally tried to make contact and repay hmrc they took the debt back im now paying hmrc back.
  7. Thanks for reply just going into work. Will the debt collector ease off fo you think. I will go down this route as I know I owe it but would rather deal with hmrc many thanks
  8. Hi just some advice please. Owe hmrc 3600 this been going on 2 years I sent letter asking why I owe it etc. . .I was overpaid they sent another reminder I wrote asking to pay instalments never heard anything for ages got another letter saying I owe I wrote again and then another letter sent to me saying I owe 3600. Been debating whether to deal with them or stepchange its been 7 days now another letter fron lcs saying ive ignored them and they MAY take action and could result in a recommendation to hmrc that they consider enforcemen proceedings. Because they assume im ignoring them. Ive just got new job but only till january Thanks
  9. hi andy just a quick one im not counterclaiming am I? just on MCOL now thanks
  10. thank you so much my shoulders feel a little lighter now )) you are a superstar and CAG )))
  11. hi Andy ive amended to suit, is it ok just date and original creditor 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 allegation to which a specific response has not been made. 2. Paragraph 1 is noted. I have in the past had financial dealings with Lloyds. 3.Paragraph 2 is denied I am unaware of any legal assignment or Notice of Assignment allegedly served last year from either the Claimant or Lloyds. 4.It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of assignment/balance/breach requested by CPR 31. 14, dated 10/3/2014 therefore the Claimant is put to strict proof to: (a) show how the Defendant has entered into an agreement with the Claimant; and (b) show how the Defendant has reached the amount claimed for; and © show how the Claimant has the legal right, either under statute or equity to issue a claim; 5. On receipt of this claim dated 28/02/2014, I requested by way of a CPR 31.14 request and a section 77/78 for copies of any documents referred to within the Claimants particulars to establish what the claim is for. To date they have failed to comply to my section 77/78 request and remain in default and with regards to my CPR 31.14 request, dated 10/3/2014 have stated that they are under no obligation to disclose any documentation on which their claim is based. 6. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 7. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 8. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief. thanks again Andy
  12. hi andy no its regarding a loan with Lloyds which has been assigned to CQ thanks
  13. hi ford am sure its the 1/4 defence date, your right about MCOL playing up at weekends! here's my defence it is similar to another threads defence. the debt was from my old address were my ex still lives I must of changed address with Lloyds further down the line. do I need to say anything about this at this stage?. thanks Defence 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 allegation to which a specific response has not been made. I have in the past had financial dealings with lloyds banking group . it is denied I am unaware of any legal assignment or Notice of Assignment being terminated from either the Claimant or lloyds. it is denied I have ever been in receipt of any default notice(s) having been served or statutory demands/notice(s) from either the claimant or lloyds banking group It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of assignment/balance/breach requested by CPR 31. 14, therefore the Claimant is put to strict proof to: (a) show how the Defendant has entered into an agreement with the Claimant; and (b) show how the Defendant has reached the amount claimed for; and © show how the Claimant has the legal right, either under statute or equity to issue a claim;
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