i will have to go to the local library or something similar tomorrow . i can use my webcam to take photos but making them perfectly clear and maintaining the size is proving difficult !

i believe it has come via the claimant . i will try an upload the documents at some point today . quite a lot of paperwork .

hi update on my thread . received a package a couple of days ago through the post containing Application for summary judgement , witness statement in support and draft order . also contains credit agreement from shop direct.

hi again. no changes on the mcol website since i filed my defence. should i contact the court to find out if there has been developments ? or put the stick down and not go poking the wasps nest ?

thank you for that information . if, as you think, they don't reply it will be thanks to the help received here. so once again thank you

hi they have 33 days from the 4th january 2017 to respond to my defence? which will be the 5th february but i think that falls on a weekend .. will that mean they have until the first working day after the weekend?

submitted . will keep this thread updated on any developments . fingers crossed for a positive outcome.

thankyou! that reads exactly how i feel. i shall login to mcol and submit that as my defence? even if unsuccessful i am extremely appreciative of the help i have received here. i would have laid back and had my belly tickled . . this forum has taught me not to be a doormat for DCA.

what i want to say is i don't remember this shop direct account number nor do i understand the amount alleged to be owed. i have asked for paperwork to show proof of this alleged debt then perhaps i can acknowledge whether or not i actually owe this. Restons solicitors have refused to provide me with any paperwork via a cpr 31.14 request and the claimant Capquest have not been able to respond adequately to my cca request. how i say this in legal terminology is in fact beyond me.

ah ok . i have no idea what i am supposed to do to be frank. i know i am supposed to be defending on the basis on the basis of holding no paperwork but the legal wording is mashing my brain. without the help i have had from here i would probably just have ignored the claim form. never have i felt like i am lost until it came to this legal stuff. thanks for your help btw.

would this be the appropriate defence ? taken from a fellow posters thread. defence due in today by 4pm i think Particulars of claim 1. the claimant claims payment of the overdue balance due from the defendant under a contract between the defendant and shop direct dated on or about 2 june 12 2. And assigned to claimant 30 April 2013 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. The claim is denied with regards to an amount due under an agreement. The Claimant/Solicitor has been unable to disclose any agreement or statements on which its claim relies upon. The Defendant is unaware of any legal assignment the claimant refers to within its particulars and deny the notice was served pursuant to the Law of Property Act 1925. On receipt of this claim the Defendant requested information pertaining to this claim from Restons Solicitors by way of a CPR 31.14. To date I have yet to receive a compliant response. The Defendant requested information pertaining to this claim from Capquest Investments Limited by way of a Section 78 request.To date I have yet to receive a response complying with the request and are therefore in default of this request and prevented form seeking any relief until compliance. Therefore with the courts permission the Claimant is put to strict proof to: (a) Show and disclose how the Defendant has entered into an agreement; and (b) Show and disclose how the Claimant has reached the amount claimed for; © Show how the Claimant has the legal right, either under statute or equity to issue a claim; As per Civil Procedureicon Rule 16.5, it is expected that the Claimant prove the allegation that the money is owed. On the alternative, if 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 crediticon Act 1974. By reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief

crapquest said they forwarded on the cca request to shop direct.

ok thanks . are they copy and paste or should defence be thoroughly read and changed as they are specific to each individual? i think i have until the 4th jan to submit defence as that is 33 days from the 2nd december ? i'm assuming i should leave defence until the last day incase shop direct respond to my cca?

i can find successes with restons. successes with crapquest. but none of these two together in the same thread on a cat debt. am i blind?

thanks appreciated. makes sense why thread titles are 'cleaned' up a bit now

i have no idea about defending this claim. i don'y know what the alleged debt is actually for apart from cat. i don't know if i have ever made any payments towards this . i have searched for alike threads on here and through search engines . vultures circling my dead carcass (empty wallet) . the bank is -£34 they are very welcome to 1000000% of that. give credit to people who have nothing and expect nothing in return. got bad credit? got ccjs? dro's? bankrupt? rubber cheques? tonnes of monopoly money? need credit but can't afford it? well help is here. .think you have hit rock bottom? NO! smile be happy you're just snagged on a branch. ..we're here to help you give you an extra shove and prod you with pitchforks . sign up now! we approve 100% of desperate penniless applicants! buy now ! pay 3x more in 12 months. sorry. ranting again. one of those mornings. happy christmas/new year all.

received letter from restons refusing cpr request because unsigned. capquest forwarded cca request onto shop direct . says if they havent had a response by the 17th jan they will write to me with an update. also says my account is on hold for 28 days.

i used checkmyfile which seems a lot more informative than clearscore. i guess paid sites need to have more detailed info to compete with free sites but i would think as the free ones become more detailed , the paid ones will either become free or obsolete.

the information on clearscore - will this be exactly the same as on one of the paid credit report sites? like experian for example. just wondering because clearscore seems a bit short on detail.

done the mcol last night .. and followed your advice . thankyou going to send the 2 request letters tomorrow - once i find a place to print them! your help and advice is very much appreciated.

Name of the Claimant - Capquest Investments Limited Date of issue – 02 DEC 2016 What is the claim for – 1. the claimant claims payment of the overdue balance due from the defendant under a contract between the defendant and shop direct dated on or about 2 june 12 and assigned to claimant 30 april 2013 What is the value of the claim? 553 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? cat debt When did you enter into the original agreement before or after 2007? after 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 purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? yes Did you receive a Default Notice from the original creditor? not sure. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? yes Why did you cease payments? no idea. no idea which catalogue the debt is for. clearscore no help here either. What was the date of your last payment? well it says on my clear score file green dots from june 2012 to march 2013 (doesn't make sense) especially as it the claim says the debt was assigned to the claimant in april 2013. must be clearscore that is wrong? Was there a dispute with the original creditor that remains unresolved? no Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? no

i have done a new thread sorry for the rant. not aimed at you people who spend your time trying to help idiots like me.

hi, today received a county court claim form for the amount of £467.76. claimant capquest investments limited. restons solicitors limited. total amount 552.76. doesn't say which catalogue just shop direct. what are my next steps? no doubt that i had catalogues with shop direct. if it goes to court they will find i have zero disposable income. thanks for any advice.

sorry i haven't been able to bring myself to do the things you have recommended i do. fearful that i may end up having to repay all these debts at once as a consequence they all take me to court. today received a county court claim form for 467£ from capquest (shop direct). not sure what you mean by a signing my life away with a DRO.. st the moment i seem to be drowning in a puddle of debt . more out goings than incoming with these companies chasing me for money i just don't have. to top it off i'd actually be worse off employed . these companies would likely go to take money out of my wage and i'd pay council tax + full rent. who would think £976 a month would be better for a family of four than being in work! these companies should not be allowed to lend thousands to people whose disposable income means it will take them 10+ years to repay what they owe! it is brilliant when they say "yes" until the bills start coming in and you actually can't afford them do they means test.. do they hell.. they ask whats the source of your income and how much .. heres £500 credit. thanks shop direct.(littlewoods, k&co , very, isme and every other one of you!)

i can't be sure the ccj is bogus because the county court bailiffs had the correct address. it was only when i had bailiffs contact me though that i knew about the ccj. whether i owed as much as i am now said to owe i have no idea.