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PayingThePiper6765

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About PayingThePiper6765

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  1. Hello. Just to bring you up to speed, my court case was on the 1/11/16. I won. Because they didn't show up. The beak said the claim wasn't very good to begin with. He refused to give me any costs however. Thanks for the help you gave me, and I hope the donation helps. @Andyorch. Not everyone is as smart as you. Merry xmas!
  2. just one thing. The court document gives no details of the debtor. just a random sixteen digit number. Do i still proceed using santander?# And thank you very much!
  3. OUCH! I have read the link you gave. The problem is simply this, Im thick as pig poo. I'll just muddle on regardless. thanks for all your help. i will send a donation friday. All the best
  4. 1. The Defendant contends the particulars of claim. They are generic and undetailed, with no real explaination of the debts origin. 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 denied with regards to the Defendant owing any monies to the Claimant. The claimant has failed to provide any evidence of agreement/contract/breach as requested by CPR 31.14 and is in default. 3. Paragraph 2 is denied as The Defendant maintains that a default notice was never received.The Claimant is put to strict proof to that a default notice was issued to and received by the Defendant. 4. On the 23rd May 2016 I made a legal request by way of a section 77/78/79 request to the Claimant. The Claimant has not yet produced the requested documents therefore I am currently unable to fully defend this claim. As the accusation is vague, I dispute the allegation of failing to make contractual payments as no contract has been provided. 5. The claimaint claims interest, costs and fees for something that has not been proved by them, so i reject these claims and wish to claim costs myself.
  5. Sorry, was just wanting my defense checked. I've already realised the lovely parasite agencies frequent this place also. 1. The Defendant contends the particulars of claim. They are generic and undetailed, with no real explaination of the debts origin. 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 denied with regards to the Defendant owing any monies to the Claimant. The claimant has failed to provide any evidence of agreement/contract/breach as requested by CPR 31.14 and is in default. 3. Paragraph 2 is denied as The Defendant maintains that a default notice was never received.The Claimant is put to strict proof to that a default notice was issued to and received by the Defendant. I attach proof of posting letters too? Any advice on claiming costs? The more I get, the more I can donate. Thanks
  6. Thank you for your kind word and help. Have had to involve a solicitor RE mum, but she seems much happier after talking to him. Fingers crossed. I have assembled an attempt at defending myself, and will PM Andy (if thats ok)
  7. I posted a reply I recieved yesterday morning at 8.50am To explain (without going in to it too deeply) I am currently dealing with a family fallout after the death of my uncle who has been cohabiting with my Mother for about ten years. His children (my cousins) are trying desperately to asset strip my mother and this has been the main focus of my life recently. It is causing me serious stress which is resulting in mistakes like this. I am sorry I sent the two letters off. I have postal proof including the postcodes. I sent the letter to Leeds LS3 1AB. I recieved a reply from Manchester (Robinson Way) telling me the account is now with Howard Cohen LS3 1AB They are claiming i have an extension of time, which sounds very suspect. I am forming my defence now And to be frankly honest, I'm struggling terribly with my defence too
  8. I sent the £1 fee to howard cohen, not Hoist. This is why I asked for help, so does this mean that I have sent the wrong documents to the wrong people and am now in trouble?
  9. seems to be a cookie issue with my home computer. I have met my partner who has the laptop, and i can access the page fine with it. I will look at it when I get home again, but am juggling so much right now sadly Hi, just a quick question really. In forming my defence, should I attach earnings and expenses? As no information has been supplied, then I contest that I owe the money. there seems to be no paperwork whatsoever.
  10. Hello. I have finally had contact from one of the letters I sent, and it's very strange. I sent the letters to the portfolio in Jersey, and Howard Cohen in Leeds. I have proof from the post office with the postcodes. I received a reply from Manchester, a debt agency. Robinson Way. Dear Mr.Stupidity We acknowledge receipt of your requests under sections 77/79 of the consumer credit act. Please find by return your £1 fee. Your account is now with our clients solicitors Howard Cohen and Co and they have issued a county court claim against you. We have forwarded your request to them as under CPR 31.14 you are entitled to request documentation mentioned in the particulars of claim. They are currently in process of retrieving the documents requested. Therefore, please accept this letter as agreement to a general extension of time. Once they have provided you with the documents as requested they will grant a further 14 days for you to respond to the claim form as you feel appropriate. Something very fishy is going on. I wrote and sent a letter to Howard Cohen, not Robinson Way (Who i had no idea was handling this). Also, do they have the right to extend this, or are they just paying for time. Also, shouldn't I have recieved something from the courts to acknowledge my defending? Tried logging into moneyclaim.gov.uk and seems the site is broken for me. I rang the helpline, and they have confirmed that i have until the middle of this month. Please help as I cannot afford a solicitor and the panic isn't pleasant. Thanks in advance
  11. Name of the Claimant ? HOIST PORTFOLIO HOLDING 2 LTD Jersey Date of issue 16 May 2016 What is the claim for – 1.This claim is for the sum of £581 in respect of monies owing under a regulated credit agreement pursuant to the consumer credit act 1974 (CCA) under original account no XXXXXXXXXXXXXXXX The debt was legally assigned to the claimant and notice has been served. 2.The defendant has failed to make contractual payments under the terms of the agreement. A default notice has been served upon the defendant pursuant to section 87(1) CCA. The claimant claims 1. The sum of £581 2. Interest pursuant to s69 of the county court act at a rate of 8.00 percent from the 26/04/14 to the date hereof 746 days is the sum of £95. 3. Daily interest at the rate of £.13 4. Costs What is the value of the claim? £806 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? store card When did you enter into the original agreement before or after 2007? unsure. 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. HPH2 Were you aware the account had been assigned – did you receive a Notice of Assignment? No. Did you receive a Default Notice from the original creditor? I believe so. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? NO Why did you cease payments? Was in serious financial trouble including payday loans. Am still not completely free of debt three years later. I know it was wrong but I just wasn't earning enough to pay it all. What was the date of your last payment? Unknown. Was there a dispute with the original creditor that remains unresolved? Only in that they refused payments and said someone would contact me. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementicon plan? Yes. It was declined. Thanks again. I know this is serious, and I'm happy to pay my debts. My worry once it's confirmed that it's santander is my repayment schedule and the extras added. (Only work part time) I'm assuming I need to send this document [consumeractiongroup.co.uk/forum/showthread.php?387484-LEGAL-CPR-31.14-Request-Request-for-information-when-a-Claim-has-been-issued to the claimant for the original credit agreement? Anything else I need to ask for? Thanks
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