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Joaei

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About Joaei

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  1. Thank you everyone it is certainly giving me lots of information! Yes I did receive a directions questionnaire - nursery name but signed on behalf of nursery and issued by BFL
  2. My apologies I thought it was. No I didn't put an email address on but they had an old email address on nursery records but I don't use it anymore I have checked that account though and they haven't sent anything to it
  3. I'm not sure what you mean - I've been sending things directly to the court not online
  4. Non compliant - I don't have access to my defence at the min as its on my mums computer - I will post it as soon as I can
  5. I sent a copy to BFL by recorded delivery and have receipt and copy to nursery again recorded o
  6. Yes I asked for all the information they held on me including a signed terms and conditions, register of attendance, breakdown of fees and costs etc this was done as soon as the claim form was received as this was the first I knew about it It was mentioned in my defence
  7. Ok so they have signed up to a term. But I didn't sign a credit agreement as I paid upfront for her place - I've read other nursery terms and nowhere can I see permission is granted for credit searches
  8. I've seen this! I just don't understand how they can do credit checks (which they say) when nursery fees are paid upfront of the place and are not credit accounts?
  9. Excuse my ignorance but by witness statements do you mean the evidence I will rely on in court?
  10. Claim form 20th Jan and date of court is 23 Feb Not sure where the £2900 has come from because fees were nowhere near that - have they just made up a figure?
  11. Name of the Claimant ? Xxx nursery (signed by and submitted by BFL Solutions) I have submitted a limited defence in the timescale What is the claim for – nursery fees £430 (2 months) Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? One letter received same day as claim issued What is the value of the claim? £2900 Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Nursery Fees 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. Claimant original but registered by BSL on their behalf Were you aware the account had been assigned – did you receive a Notice of Assignment? N/a Did you receive a Default Notice from the original creditor? No Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? Didn't I had paid in full and no idea about it or agree any amount owed What was the date of your last payment? May 2015 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 No What you need to do now. Answer the questions above If you have not already done so – send a CCA Request to the claimant for a copy of your agreement- done and ignored Send a CPR31.14 request to the solicitor named on the claim form for copies of documents mentioned/implied within the claim form. There are two different versions - one for Loans/Credit cards the other for Current accounts - done
  12. Thank you. The claimant is the nursery but it was signed and issued by BFL. I will try to look this up is if a case of a Google search?
  13. Court date been issued and limited defence submitted but nothing else yet as I wasn't sure what to do. Oh the N180 is the directions questionnaire? Yes this has been submitted and allocated to small claims - sorry for my lack of knowledge first time doing anything like this
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