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Cmx1982

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About Cmx1982

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  1. True. I'll keep you posted on any outcome from court.
  2. Hi guys just a quick update. Well I sent the CPR request off and have now received a reply stating "We are governed under the distant selling act and not the consumer credit act therefore we do not have a signed agreement or default notices. Please not we have queried the matter with our client for relevant documents and an updated will be provided in due course." So you were all correct in they have nothing. I also filed the defence which dx gave so will wait and see.
  3. Wow. Thanks dx . For those who know what their doing it's easy. For some of us e.g. me it's mind boggling. I'll get that put in the defence after I've finished work.
  4. Ok brill I'll give them a bell tomorrow to try and get some more information. I'll keep you guys updated and I can't thank you all enough for the help. I'm going to have a read through some of the other posts you suggested. Least I know I'm not the only one dealing with these things.
  5. If I contact talk talk won't I be admitting to the debt though?
  6. Thanks guys. I've sent off the CPR request recorded delivery so will wait and see what comes back. I'll probably have to come back to you for some advice on my defence. Not too sure when my deadline is. Claim is dated 17th of January and I acknowledge today.
  7. No payments to anyone or acknowledged debt. I've been through every monthly statement from January 2013 and there is nothing. So moving forward I'm still going to send CPR request even if It is statute barred. What I meant was how do I word a CPR request to them. That's why I was asking if there was a template request letter I could use to guide me. Sorry if I seem dumb just not sure how to word it all without looking incompetent to BW Legal.
  8. I've been through all of 2013, 2014 and 2015 bank statements and there is nothing whatsoever to talk talk. My guess is it's possibly for a previous address but God knows. Can I also email CPR request or do I need to do it through post? Also is there a template letter on here anywhere I can use as a guide?
  9. I'm just in the process of going through my bank statements right from beginning of 2013. So far I have found nothing outgoing to talk talk. I have sky going out from April 2013 and I only moved in February 2013 to my current address. I do recall being with talk talk at a previous address so I'm wondering if it's from there. I'm honestly wracking my brains to try and remember when it's from. But if there is nothing going out of my bank account, even anything unpaid my guessing it is statute barred. I'll carry on digging and get back to you asap.
  10. Thanks Andyorch. It's scary how they use the legal terminology to try and scare people. If I hadn't of stumbled upon this site I would be unsure what to do. I've done the acknowlement of service and will post off today a CPR and wait to see if I receive a response. I'll obviously need help in filing a defence but can I come back to you nearer time for help?
  11. I don't recall receiving anything but couldn't be 100% certain. I have actually received a letter this morning from BW Legal basically saying even though court action has started it's not too late to organise a payment plan etc. I've never had to do this before so it's quite intimidating and seems a little easier to just arrange a payment plan. Or is this their way of bullying?
  12. In order for us to help you we require the following information:- [if there are more than one defendant listed - Name of claimant: JC International Acquisition Date of issue – 17 January 2020 Particulars of Claim What is the claim for – the reason they have issued the claim? the claimants claim is for the sum of 125.00 been monies due from the defendant to the claimant under a non regulated telecommunications agreement originally between the defendant and Talk Talk telecom limited under account reference xxxxx. The rights benefits and title the agreement have been assigned to the claimant on 03/04/2014. Notice of the above mentioned assignment has been given to the defendant What is the total value of the claim? 268.39 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? Not too sure Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? no Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? No (broadband) 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 ? Online Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? NO 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. Assigned to debt purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? can't remember Did you receive a Default Notice from the original creditor? Can't remember Have you been receiving statutory notices headed “Notice of Sums in Arrears” or " Notice of Arrears "– at least once a year ? unsure Why did you cease payments? unsure What was the date of your last payment? unsure Was there a dispute with the original creditor that remains unresolved? Not that I'm aware of Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No
  13. Hi guys I'm new here and not sure if I'm in the right place. I've received a county court form for an old debt which is just shy of been statute barred. Because there is little info on the particulars of claim I'm a little unsure of how to proceed. Any help and advice is highly appreciated.
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