hello as per post 70 hoping I've done it correct thanks

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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.

hi just to add along with the recent forms they have sent documents and it was a loan and signed agreement all photocopies.

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

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

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.

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

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

hi andy just a quick one im not counterclaiming am I? just on MCOL now thanks

thank you so much my shoulders feel a little lighter now )) you are a superstar and CAG )))

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

thanks andy im so very grateful )

hi andy no its regarding a loan with Lloyds which has been assigned to CQ thanks

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;

hi ford im just looking at it now im in a right old flap now since MCOL decided to shut me out arghhh... yes was just going to use the top which andy agreed with was going to add that I had not received any defaults or letters or any form of correspondence from CQ or Lloyds. I ve not lived at that address for 5 years and no mail has been passed to me by my ex (he says none ever dropped through the door). If I cant get on later to MCOL I will post next day delivery tomorrow as its due Tuesday. (date on claim form 28/3) thanks

hi can my defence be posted even though I submitted acknowledgement online. im having problems signing into MCOL its saying to ring help desk (tried that hopeless) even though I put all correct details in thanks

hi andy so regarding my case does this defence sound ok once I amend the items you say don't need to be on it and also can defence be sumitted online with the MCOL?, I was under the impression that it had to be posted. I was going to send the receipts for proof of posting etc... many thanks

i need to put he p.o.c at the top? thanks

hi there if anyone can have a look at this defence ive taken bits from different defences which are similar to my case does it sound ok? im not sure how to paragraph it im having a lot of problems with my laptop and word with copy and paste so its spacing is all wrong im trying to rectify it. thanks in advance Mr My name & Address below xxxxxxxxxxxx xxxxxxxxx xxxxxxxx xxxxxxxx xxxx 20 In the xxxxxxxxxxxxx county court Claim number xxxxxxxxxx Between xxxxxxxxxxxxxxx – Claimant and Mr xxxxxxx xxxxxxxxx - Defendant 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 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; Except where otherwise mentioned in this defence, I neither admit nor deny any allegation made in 5. On receipt of this claim 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 the claimants Particulars of Claim and put the claimant to strict proof thereof. 3. The claimants' particulars of claims disclose no legal cause of action and they are embarrassing to the defendant as the claimant's statement of case is insufficiently particularised and does not comply or even attempt to comply with CPR part 16. In this regard I wish to draw the courts attention to the following matters; The Particulars of Claim are vague and insufficient and do not disclose an adequate statement of facts relating to or proceeding the alleged cause of action. No particulars are offered in relation to the nature of the written agreement referred to, or any default notices issued or any Notice of Assignment required for the claimant to have a legitimate right of action for the purported debt or any other matters necessary to substantiate the claimant's claim.wing matters; b) A copy of the purported written agreement, Notice of Assignment that the claimant cites in the Particulars of Claim, and which appears to form the basis upon which these proceedings have been brought, has not been served attached to the claim form. c) A copy of any evidence of both the scope and nature of any default has not been served attached to the claim form. 20. Alternatively if the court decides not to strike out the claimant’s case, it is requested that the court orders full disclosure of the requested documents pursuant to the Civil Procedure Rules, then I will be in a position to file a fully particularized defense 21. Having instigated these proceedings without any legal basis for doing so, having failed to provide sufficient information required under the pre-trial protocols in order to investigate this claim, or indeed to provide a reasonable time period to investigate this matter, and having failed to investigate a dispute as required by the OFT debit collection Guidelines I believe the Claimant's conduct amounts to unlawful harassment under section 40 of The Administration of Justice Act1970. Furthermore, the Claimant's behaviour is entirely vexatious and wholly unreasonable. 22. I respectfully ask the permission of the court to amend this defence when the claimant provides full disclosure of the requested documents Statement of Truth I xxxxxx xxxxxxx, believe the above statement to be true and factual Signed................... .. Date xxxxxxx

hi my date for defence is due very soon is there a kind of template I can follow as im at a loss of how to set it out. I have had no replies from anyone C/Q or solicitors etc... think the date is the 2/4/14 for the defence date any help would be very gratefully accepted thanks

hi my date for defence is due very soon is there a kind of template I can follow as im at a loss of how to set it out. I have had no replies from anyone C/Q or solicitors etc... any help would be very gratefully accepted thanks

hi do they not have 7 days to send a reply? when do I start putting together a defence to the court, the final day is the 1/4. yes I will continue to read threads etc... just like a cat on hot bricks. many thanks

hi there not sure where to go from here. I sent the cca and the cpr 31.14 they were both signed for on the 12/3 and there has been no reply as of yet. I got my credit report and on it is the old loan from Lloyds it started 27/04/2005, default date 24/02/2010 and it was then assigned to the claimant 1/8/2013. I have until the 1/4/2014 to submit my defence any help would be very welcomed thanks

ive have just made a small donation and will make more towards the end thanks