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Me-jules7

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About Me-jules7

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  1. ok, I have submitted the defence will wait and see what happens next. I still havent had the CCA or CPR stuff back just the letter from weightmans saying they've requested judgement when I still had over a week left to submit. Thanks for your help will keep posted. J:-)
  2. Do you think I should mention the dates that the original debt was defaulted?
  3. Particulars of Claim: 1. The defendant entered into a credit agreement described by the creditor as ONLINE FINANCE having account number 1...... 2.The claimant, a UK limited companywith company reg no 3757424 is the assignee and legal owner of all rights previously enjoyed by the original creditor in respect of the account. 3. The defendant is indebted to the claimant in the respect of the account in the sum of 799.88 4.the claimant claims the said sum of 799.88 plus costs. Account defaulted 27 september 2006 - the cost detailed on the letter from online finance are made up of £217 of letter charges and auction fee's of the car £561.65 giving a total of £779.15 - we were never made aware that them taking the car back would result in an auction cost to us and the letter fee's we were advised would be wiped of the account. Proposed defense 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 and accepted I have in the past had financial dealings with Online Finance.I do not recall the precise details or agreement and have sought verification from the claimant who is unable to comply. 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 Cabot Financial UK Ltd 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,and remains in default of my section 77 request, therefore the Claimant is put to strict proof to: (a) show how the Defendant has entered into an agreement; 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 I requested by way of a CPR 31.14 request and a section 77/78 request, copies of the documents referred to within the Claimants particulars to establish what the claim is for. To date the Claimant has failed to comply to my section 77/78 request and their solicitors, Weightmans, having received no documentation from either. 6. As per 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 82 A of the consumer crediticon Act 1974.
  4. Hi cannot locate any other paperwork apart from the original default notice. I need to submit my defence today before 4pm. I have no idea how to word this so any help would be gratefully received Many Thanks J
  5. I emailed online finance again yesterday I will chase up first thing Monday, credit expert said they don't hold information of a debt that long ago. I'm 100% positive that they issued a ccj after the default notice. Going to have a look through some more old paperwork we found in the attic earlier. Shall I put on the defence about the cca and cpr no response?
  6. I have absolutely nothing except the original default notice from on-line finance. We received a letter from weightmans stating that as they had no response nor had the courts they have now sought to enter judgement in their favour. So I logged online and the date for defence being in isn't until 16th March. what do I put in the defence I have no details apart from the original default notice
  7. On-line finance the original loan people. They passed to Cabot 2008 haven't heard from Cabot since 2012 I think thanks j
  8. I contacted online finance and they no longer have any details as the debt is over 10 years old. I then tried credit expert they too have no information All the paperwork I can find is the default notice from the original creditor. Thanks J
  9. Good Morning I have had no response from either the CCA request nor the CPR, I need to file defence today what should I do Thanks Julie
  10. Morning Apologies we've been away for half term. I believe it was HP as it was so long ago and only have snippets of paperwork I'm not too sure. I will try calling online finance again Thanks
  11. car finance yes online finance defaulted the account in 2006 and reposessed the car. I don't have the date they sold it to Cabot as we never received any correspondence after car was auctioned.
  12. Sorry, for some reason I can't log onto my ipad or laptop so having to do everything on my phone will read through everything so no more errors thanks for your help and patience
  13. Yes weightman's are the solicitors Can I get both forms from the library? Also can I do this now they have actioned court? Thanks for your help both
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