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Jayne777

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About Jayne777

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  1. ok! I will add in the dates and submit it now. I really can't thank you enough for your help x
  2. Thank you so much. This is brilliant, and a lot of help, thank you! Just one thing, do I need to mention that I didn't get a default notice or does that not matter with this? x
  3. Thank you so much Is the 14th the right date, that I have until then to file it? X
  4. Hiya i thought I was sorted with my defence, I was just going to post it up here, but I thought it was ok, then when I've come to post it here and hope that you'd check it I realised I'd messed up, as its from the solicitors of npower and the debt hasn't been sold. I've had another go but I'm not sure I'm right with this, would you have a look at it for me please? Also, if its due on the 14th, I was going to submit it today or tomorrow, is that right? I've been waiting too to see if I do get the documents I've requested but I haven't received them. I thought they would in all honesty get them out. I've been back through all of my paperwork again and I have not got the invoice they refer to. I've carefully filed everything I have received from them, which is actually very little, but I definitely don't have that so I can only assume I never received it at all. Here is my second attempt at a defence.. Defence 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 31.14 in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 and 2 are noted however as I do not recall the precise details of the alleged agreement, nor did I receive the invoice referred to and am unaware of a default being issued I have sought verification from the claimant. 3. I have requested from the claimant information pertaining to this claim by way of a 31.14 request. The claimant has failed to date to respond the CPR. 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, therefore the Claimant is put to strict proof to: a) Show how the defendant entered into an agreement; and b) Show and evidence the breach and service of the Default Notice c) Show how the Defendant has reached the amount claimed for 5. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 6. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief
  5. Thank you! I’ve seen that one and can adjust.. but what do I do if they do send the paperwork? Am i ok to put it up here and would you check it for me please?
  6. The solicitors haven’t responded to my cpr request yet. I’ve been reading and reading and I have no clue what to base my defence on, can anyone give me any pointers at all please?
  7. Yeah it was rented so the agents took photos of the start and end readings and phoned npower and gave their readings
  8. I’ve looked through all of my paperwork and can’t find it anywhere so I don’t think so, I will have another look tonight
  9. This is the thing, we lived there for 3 years almost to the day, we weren’t with npower at the house before or after. And over that 3 years we did struggle to pay the bill for some of that time, and we did get some arrears, but it wasn’t anywhere near all of the time we live there
  10. Thank you, I’ve done that. X I will send the letter to solicitors in the morning. what grounds have I got to defend it on? I’m getting so confused
  11. Oh sorry, it’s NPOWER ltd
  12. Name of the Claimant ? NPower Date of issue – 14 May 2019 Particulars of Claim What is the claim for – the reason they have issued the claim? 1.The claim is for £4000 relating to unpaid charges for energy supplied by the claimant to the defendant, and set out in an invoice date 26 June 2017 full particulars of which have been delivered to the defendant. 2.And the claimant claims any further arrears that may have accrued and become payable since the commencement of these proceedings. 3.And the claimant claims interest on the sum due pursuant to section 69 of the county courts act 1984 from the due date to the date of issue at 8.00% per annum being £630 and further interest on a daily basis until the date of judgement or sooner payment at a daily rate of £0.91p. The claimant claims (1) the sum of £4000, (2) interest of £630.00, (3) continuing daily interest at £0.91p. What is the total value of the claim? £5100 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? I received a letter before action Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? yes, but they were aware of this and have had my address from the day I moved Did you inform the claimant of your change of address?Yes Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? energy When did you enter into the original agreement before or after April 2007 ? After Do you recall how you entered into the agreement...On line /In branch/By post ? Probably phone Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? Only on one of them 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. - Npower 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? Not that I’m aware of Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? no Why did you cease payments? We got into financial trouble, for behind, made an agreement to pay, which we did, then they increased the payments a lot and I couldn’t afford the new payments, and then we moved and our supplier changed What was the date of your last payment? I don’t know Was there a dispute with the original creditor that remains unresolved? Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan sort of yes, as part of our monthly payments, but they broke down shortly before we moved. I can’t honestly remember a great deal about it all as it’s a few years ago and I was regularly in and out of hospital at the time
  13. Hello i was hoping someone might be able to give me some advice please. It’s a bit complicated, but I’ve ended up with a claim form and I’m terrified. I moved house two years ago. At my old address I was with npower. I lived there for 3 years. We had some financial issues and we were in arrears with npower, but we also were making some payments to them, as agreed with them. When we moved, I had health issues (problematic pregnancy) and was in hospital a bit and I didn’t straight away try to resolve the npower issues. I heard no more from them just over a year ago when I got a letter from William chapman solicitors, it was demanding over £4000 from us for npower. They said they’d sent me an incoming and outgoing letter which I hadn’t received, so they emailed me a copy, I sent it back to them and heard no more from them and didn’t chase them. I then received a letter before action a few weeks ago and I now have a claim form from them, dated 14th May. I don’t dispute that I owe npower some money, but I have no idea how the bill can possibly be as high as they’re saying. Even if I hadn’t paid at all for three years that would still be a high bill, but we did pay, even though I know there were arrears. I don’t know how to proceed at all. I can’t afford to pay them over £5000 which they now have the bill at, and I also can’t afford to get a ccj. I’d like to come up with a payment plan but they didn’t respond last time I sent them one. I’d really appreciate any advice please!
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