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Elliemygsd

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About Elliemygsd

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  1. Hi No the deposit isn’t even close , three months fees in this case are around £2700 the deposit is £200. Also due to the rules relating to my business should I have to go to court I would have to close for the day and this would cost in the region of £1000 . The fact she has started proceedings against me means I will have to defend the case, So I might as well make a counter claim. The best result for me would be for her to just drop it and my thinking hear is that the threat of a counter claim might make her see sense.
  2. Hi our customers agree to give us three months notice to leave and pay a deposit. This is made very clear when they start. So technically they are liable for three months charges from the day the give notice. Normally though we try and be flexible and would probably agree a week or two to try and find another coustomer. Some times I might even have a waiting list and just let them go. We employ five staff so the notice period is for stability our costs are very high. In this case after over a year with no complaints very happy with our service she doesn’t turn up one morning then s
  3. Hi , I’m a childminder and look after lots of lovely children. One of my customers recently left without giving any notice, her financial circumstances had changed but instead of talking to me about it she decided to try and instigate an argument and use this not to give notice. I refused to give her a refund as I have to pay staff costs etc. This morning I received a letter from Northampton cc stating a claim has been submitted. It’s very badly written and she even states she has decided not to give me the notice period agreed between us. I will respond in the time scale however as she has b
  4. Why have they said that ,it seems to imply ' the timescales for the CCA request do not apply to us 'and they have gone to the effort of back dating the letter
  5. Update Hi everyone Since sending my CPR request a week later I received a letter from Shoosmiths acknowledging the request and advising they had asked ARROW for the following 1. Copy of agreement 2. Notice of assignment 3. default notice 4. Statement of account It then goes on to state if they do not receive a copy of my defence by the 28 day deadline they will be a liberty to enter a judgment against me. I ignored this comment as I entered my defence on the MCOL site. It also says they do not agree with the rest of my comments including the time stipulations set out.
  6. Thanks Andy your help is greatly appreciated, also MB thanks for the input , I still look forward to reading the results of your successful outcome .
  7. Ok that's why I asked the question about " Niether admits nor denies " guess I was uncomfortable with my first part of the defence, as I said in my orriganal post I'm not trying to get out of anything , it's a CCJ I can't have. And at this point the creditor is not going to be willing to negotiate so I have to get to a position where they will. Even if got this thrown out I doubt it's just going to go away. There are many things wrong the amount interest ,charges etc. Should I amend as follows 1.Paragraph 1 is denied , The claimant has not provided the defendant with notice of assignment
  8. Thanks Andy I was trying to personalise it a bit. One more question should at this stage I be using the frase "is denied" or I noticed in some other posts wording such as "Neither admits nor denies" The only agreement they can ever come up with would have to be reconstituted if at all.
  9. Yes , it was late when I copied it, corrected now, also my cut and past from my document didn't copy no,s 1,2,3,4. But the particulars of the claim are exactly as on the Claim form . How the rest look
  10. Particulars of the claim Claimant Arrow global limited. Date of issue xxxxxx 1.The claimants claim the sum of £XXXX being monies due from the defendant to the claimant under a regulated agreement between the defendant and HSBC bank Plc. No (xxxxxxxxxxxxxxxx) and assigned to the claimant on xx/xx/201X, notice of which has been provided to the defendant. 2.The defendant has failed to make payment in accordance with the terms of the agreement and a default notice has been served pursuant to the Consumer Credit Act 1974 3.The claimant claims the sum of £XXXX the Claimant
  11. Hi Over the last few days I have been working on my defence so that it is ready to submit before the dead line. I've spent some time researching this but as this is a new field for me I would be greatful for any feed back positive or negative Thanks in advance
  12. Hi all Just a quick update , I acknowledged the claim on Thursday the 10th the original court papers issued on the 25th Feb if I count the plus five days this means the the 1st of march plus 28days to submit my defence. I would like to do it well in advance of this date however. I posted the CCA request and the cpr31.14 recorded on Friday. How long should I wait before completing my defence on the MCOL site . I was thinking deadline the 22rd march to be on the safe side, as this is 27 days after the issue date not counting the five days? Do I h
  13. Hi Thank you for the above comments, I appreciate all advice and am particularly interested in others similar experience. Please don't turn the thread into an argument as this is a time of great stress for me. Mercyblue did you actually get to the stage of attending court and defending this in person, my intention is to get this thrown out if possible long before that stage. i would be interested in reading your full account thanks Martin I have already asked for the s78 but I know they will not provide me with one. My original debt management company asked for it I
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