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Everything posted by rubyrooster

  1. Hi DX I didn't actually read that anywhere, it was just an (inexperienced and I now know nieve) assumption I will have Husband complete the form and return by the date requested. He is happy to mediate if the debt is his, just has no recollection of it and also it is (currently) absent from his credit report he is ordering bank statements to investigate further. Thanks for help provided so far
  2. Hi DX Thanks for looking in. Yes I was going to include in my post that from reading the covering letter it appears to lean towards the claimant as the receipient, as it states the claim has been defended by the defandant. I will have a good second read of the whole thing (and will scan up later), and also look at other threads. But as they have not supplied a legitimate copy of the original alleged agreement, notice of assignment (email "copy" that is undated), no statements, no default notice, and no other info as requested by Andy's assis
  3. Morning all, Today received correspondence from the court "notice of proposed allocation to the small claims track" States "TAKE NOTICE THAT" 1. this is now a defended claim, the defendant has filed a defence. 2. It appeaars tht this case is suitable for allocation to the small claims track. If you believe that this track is not the appropriate track for the clim you must complete box C1 on the small cliams directions questionnaire (form n180) and explain why. It includes a form N180, which disussses settlement/mediation and also an information sh
  4. Hi I don't seem to be able to block their email address on my browser, I will have a look round to see how to do it (email is AOL).
  5. Hi I have returned the email to them and reminded them that they have been instructed to only communicate in writing, and reiterated that all emails will be automatically deleted. Do we just sit tight for now and wait to hear from the court ? x
  6. Hi Yes I did send it to them. Also still have received nothing further in respect of requested docs noted above. x
  7. Hi All Update Have this afternoon received the following email (which is a cc of an email they have sent to CCBC <CCBC@Justice.gov.uk> Dear Sirs, Asset Collections and Investigations Limited -v- xxxxxxxxx FxxxxxxE We act on behalf of the Claimant. We note the Defendant has filed a defence and we wish to proceed with the claim. Please be advised that the Defendant has also been sent notification of our response via email. We await further directions from yourselves. Yours Fait
  8. Hi Andy, Thanks for your reply. So at this point I don't go back and challange anything received that doesn't stack up, or documents requested but not provided by the cliamant. Instead I will sit tight and await further contact (which I assume will be from the court). Further updates as and when received. Many thanks again Andy x
  9. Hi Andy and DX, Update ..... Court have sent hubby a letter received yesterday, stating they have noted his defence and forwarded it to the claimant whom has 28 days to respond or the matter will be stayed (process which I know you'll be familiar with). Also received today an email from TM Legal refer below (coincidence ?) ... Good morning, Thank you for your email. Please find attached your Original Credit Agreement and other supporting documents as per your request. The password to open the document is your
  10. Do I wish to make a counter claim ? I was putting no, but just wanted to check
  11. Andy, Can I just take the time to thank you for your help and kindness, I really don't know what I would have done without your help today. And I just wanted to make sure that you really know how much your time today has been appreciated ..... thank you x (I will come back and post up any and all developments ... x )
  12. Hi Andy Thank you so much for your help, I can see from your help where I was sorely lacking in detail - thank you for your time helping me today it really is appreciated !! I was going to wait for todays post to arrive and then post the defence today, or should I wait until Friday. Also, WHEN or IF they do send a copy of an original credit agreement would would happen then with regards to the court proceedings ? My hubby says he genuinely has no idea who the company are or what the debt relates to, also it is not registered on his credit recor
  13. Ive had a further read through and amended further spotted errors re letter of claim, refer attached x draft defence for court for 23 Aug.docx
  14. Thanks, this is the 1st time Ive ever had to construct anything like this. I used the links to other posts I was sent , but I struggled to know what to put and what not to put without guidance, although I know that CAG is a self help site, some peeps(me !) need more direction than others by experienced bods thank you x
  15. Oh yes forgot he had had this, I will amend to.... 4. Paragraph 4 is noted although I am not aware of the alleged debt the claimant refers to (refer point 2 of this defence submission). Is this now correct to go ?
  16. Is this more appropriate ... 4. Paragraph 4 is noted although I have no record of ever receiving such correspondence nor am I aware of the alleged debt the claimant refers to (refer point 2 of this defence submission).
  17. Hi all, Could any of the site team (or experienced site membes) give me any guidance on the above defence . I need to have it in by Friday at latest, and was hoping to submit tomorrow to make sure that its lodged in good time Many thanks in advance x
  18. Hi DX Thank you for that. No house move Doh ... I know what a PAP LOC is now (apologies for being slow !) I have had a tinker and found another defence example which I have taken account of. How does the following now look ? (bit lengthy apologies in advance !) ********************************** Particulars Of Claim 1.The claimant claims this amount in respect of an unpaid loan, regulated by the Consumer Credit Act 1974. The loan was funded by
  19. Hi DX Thank you for that. No house move What is a PAP LOC ?
  20. Had a look at the links .... how does this look ... 1.The claimant claims this amount in respect of an unpaid loan, regulated by the Consumer Credit Act 1974. The loan was funded by Ferratum UK Ltd. 2.The Defendant has failed to make payments in accordance with the terms of the credit agreement. The credit agreement was assigned to the Claimant upon which a Notice of Assignment was sent to the Defendant. 3.The Defendant has either failed to respond to the Claimant or has failed to maintain regular payments. 4.The Claimant has issued a Letter o
  21. Hi Thanks for response. From a fellow consumer action group as I could not find one immediately on CAG. I will have a look at the link. Thanks
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