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    • In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us] 1 defendant   Which Court have you received the claim from ? County Court Business Centre, Northampton   Name of the Claimant ? LC Asset 2 S.A R.L   Date of issue – . 28/04/23   Particulars of Claim   What is the claim for –    (1) The Claimant ('C') claims the whole of the outstanding balance due and payable under an agreement referenced xxxxxxxxxxxxxxxx and opened effective from xx/xx/2017. The agreement is regulated by the Consumer Credit Act 1974 ('CCA'), was signed by the Defendant ('D') and from which credit was extended to D.   (2) D failed to comply with a Default Notice served pursuant to s87 (1) CCA and by xx/xx/2022 a default was recorded.   (3) As at xx/xx/2022 the Defendant owed MBNA LTD the sum of 12,xxx.xx. By an agreement in writing the benefit of the debt has been legally assigned to C effective xx/xx/2022 and made regular upon C serving a Notice of Assignment upon D shortly thereafter.   (4) And C claims- 1. 12,xxx.xx 2. Interest pursuant to Section 69 County Courts Act 1984 at a rate of 8% per annum from xx/01/2023 to xx/04/2023 of 2xx.xx and thereafter at a daily rate of 2.52 to date of judgement or sooner payment. Date xx/xx/2023   What is the total value of the claim? 12k   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   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? Credit Card   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...) ? Yes, but amount differs slightly   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. DP issued claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I recall...   Did you receive a Default Notice from the original creditor? Not that I recall...   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Loss of employment main cause   What was the date of your last payment? Early 2021   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 plan? No   -----------------------------------
    • Hello CAG Team, I'm adding the contents of the claim to this thread, but wanted to open the thread with an urgent question: Do I have to supply a WS for a claim with a court date that states " at the hearing the court will consider allocation and, time permitting, give an early neutral evaluation of the case" ? letter is an N24 General Form of Judgement or Order, if so, then I've messed up again. Court date 25 May 2024 The letter from court does not state (like the other claims I have) that I must provide WS within 28 days.. BUT I have recently received a WS from Link for it! making me think I do need to!??
    • Massive issues from Scottish Power I wonder if someone could advise next steps. Tennant moved out I changed the electric into my name I was out the country at the time so I hadn't been to the flat. During sign up process they tried to hijack my gas supply as well which I made it clear I didn't want duel fuel from them but they still went ahead with it. Phoned them up again. a few days later telling them to make sure they stopped it but they said too late ? had to get my current supplier to cancel it. Paid £50 online to ensure there was money covering standing charges etc eventually got to the flat no power. Phoned Scottish Power 40 minutes to get through they state I have a pay as you go meter and that they had set me up on a credit account so they need to send an engineer out which they will pass my details onto. Phone called from engineer asking questions , found out the float is vacant so not an emergency so I have to speak to Scottish Power again. Spoke with the original person from Scottish Power who admitted a mistake (I had told her it was vacant) and now states that it will take 4 weeks to get an appointment but if I want to raise a complaint they will contact me in 48 hours and it will be looked at quicker. Raised a complaint , complaints emailed me within 24 hours to say it will take 7 days till he speaks with me. All I want is power in the property would I be better switching over to EON who supply the gas surely they could sort it out quicker? One thing is for sure I will never bother with Scottish Power ever again.    
    • Hi. Please don't follow McD's advice to contact Met to appeal. They won't listen and you could end up giving them helpful information. HB
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Counterclaim against my landlord?


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Dear All,

 

I'd love to get some advice on this issue and would appreciate any feedback from the forum.

In September 2007 I signed a 12 month contract on a private rented property. In May this year I granted access to the property so that essential repairs to the water system could be carried out on the adjacent flat. When I arrived back from work, the place was a complete mess. There was muck and filfth all over the carpets, my personal towels and toilet paper had all been used, my bedsheets and clothing was dirty - and to cap it all my laptop was missing. I took pictures and called the police. I obtained a police ref and attempted to contact the landlord. No avail. Over the next month I called and wrote letters - nothing. Eventually, I wrote a letter to say that I would be witholding 1 month rent to pay for repairs, cleaning and loss of my laptop - if there was any issue he should contact me to discuss. Again - no reply. For June and July I paid my rent as normal. Last week, I recieved a county court claim through the door saying I had ceased to pay rent since April and that I owed £800 in arrears. I have proof that I paid rent for April, June and July contrary to the particular to the claim. The only month that I did not pay was May, and as I have said, this was on the back of loads of failed attempts to open dialogue with the landlord. So in reality I am only one month in arrear, however - the damage to my property, cleaning and missing laptop is of a higher value than the rent he argues I owe. I really could do with some advice on this. Do I have any grounds to go to court and say 'not only do I not owe you £800 as your claim states - but through the repairs you (or your contractors) carried out I am actually owed more than this one month rent arrear. Do you think that the court will look favourably on my predicament? For over 3 months now I have tried to contact the landlord but he just ignores me - that is until he slaps a CCJ case in front of me. I'd really really appreciate any help and guidance you can offer (ps, I did go to CAB and they said I should defend the claim. I've just today filed an acknowledgemnt of service to get myself another 14 days to compile my evidence i.e. photographs, police reference, letters etc) but what I'm worried about is losing the case and getting hit by huge court costs and the CCJ. Thank you for your time.

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Hi Quiettester,

 

You should defend the case as advised by CAB but you should also counterclaim if the total value of your losses including laptop exceed the 1 month's rent you withheld.

 

You should not be concerned about costs as they are not at all likely to be awarded against you, given the circumstances you've described.

 

Arrange all the evidence you need to back up your claim, photos, letters, police report, lappy receipt for old one and replacement, etc so you can find anything quickly if you go to court.

 

As long as you are reasonable when quantifying your actual losses, you should be able to avoid a judgement against you, and stand a chance of winning your counterclaim.

 

The only problem may be proving that the lappy was stolen by the contractors. Did the police investigate this at all and were you able to identify the company that carried out the works. Even if your LL won't communicate with you, they should have co-operated with the police enquiries.

 

Maybe find out from the police what enquiries were made and press them further if necessary.

Edited by slick132
typo

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Also bear in mind that a CCJ does not stay on file if it is settled once it is issued (think within 3 days or something) so no worries about being lumbered with a CCJ either.

 

I do not think it is set in stone that you will win however. We need more information on precisely how "access was granted" to the landlord/contractors. What communication did you have with them, when, in what format, and what precisely was said? How did they gain access - did you let them in, or supply them with a key, or did they already have a key?

 

That said it obviously goes without saying that if you can prove the other rent was paid you need to defend the case. Just to confirm - is this simply a small claims case for money, or is it possession proceedings?

 

Are you still resident in the property?

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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Also bear in mind that a CCJ does not stay on file if it is settled once it is issued (think within 3 days or something) so no worries about being lumbered with a CCJ either.

 

I do not think it is set in stone that you will win however. We need more information on precisely how "access was granted" to the landlord/contractors.What communication did you have with them, when, in what format, and what precisely was said? How did they gain access - did you let them in, or supply them with a key, or did they already have a key? I recieved a telephone call from the landlord saying that essential repairs needed to be carried out. I said this was OK, but that I was in work that day so would not be home. He said that he had the spare key and the contractors would be provided that. He has not been in touch with me and I have recieved letters from the police to say enquiries are still ongoing. The thing is, exactly one week after this all happened, I returned home to see that people had been in my flat again. Loads of wood and other material had been ripped out from the old boiler cupboard and left in the bathroom - and my bedroom window had again be left open (as per the week before). The flat was a mess and this 'visit' from the contractors had not been mentioned to me.

 

That said it obviously goes without saying that if you can prove the other rent was paid you need to defend the case. Just to confirm - is this simply a small claims case for money, or is it possession proceedings? It isn't a possesion proceeding. My tenancy is up on the 28th September and I will be moving out then, the court claim he has started is purely for the rent that he argues I owe him.

 

Are you still resident in the property? Yes, I'm still living in the property.

 

Thanks for your response. Please see my resposne to your questions above.

Edited by quiettester
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Hi Quiettester,

 

You should defend the case as advised by CAB but you should also counterclaim if the total value of your losses including laptop exceed the 1 month's rent you withheld.

 

You should not be concerned about costs as they are not at all likely to be awarded against you, given the circumstances you've described.

 

Arrange all the evidence you need to back up your claim, photos, letters, police report, lappy receipt for old one and replacement, etc so you can find anything quickly if you go to court.

 

As long as you are reasonable when quantifying your actual losses, you should be able to avoid a judgement against you, and stand a chance of winning your counterclaim.

 

The only problem may be proving that the lappy was stolen by the contractors. Did the police investigate this at all and were you able to identify the company that carried out the works. Even if your LL want communicate with you, they should have co-operated with the police enquiries. Yes, I believe the police investigated and they have said the enquiries are still ongoing. The fact that the landlord has refused to discuss my grievance is to me very suspicious - I wonder if he even had reputable people round at the flat?

 

Maybe find out from the police what enquiries were made and press them further if necessary.

 

Cheers for your response slick 132. Please see my answers to your questions above.

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I think the problem(well, potential problem) is whether the landlord is liable for the loss due to the theft, or not, as there is no question that the landlord himself did not do this, but probably the contractors he instructed. I am unfortunately not knowledgeable enough in this section of law to know definitively. Someone else may be...

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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I think the problem(well, potential problem) is whether the landlord is liable for the loss due to the theft, or not, as there is no question that the landlord himself did not do this, but probably the contractors he instructed. I am unfortunately not knowledgeable enough in this section of law to know definitively. Someone else may be...

Yes, this is what I am concerned about, too.

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As you did not instruct the contactors, you have no contract or agreement with them.

 

Your issue is with the LL who has a duty to engage reputable and trustworthy contractors. LL is clearly responsible for the damage caused but I'm not sure how much this will come to.

 

The problem with the lappy is that you have no proof that it was taken by the contractors. The window being left open on both occasions means LL could say anyone could have entered and taken the lappy, not necessarily the contractors. But, as long as you can pursuade a judge that you didn't leave it open, there's a chance you'd be believed and compensated.

 

The police report may be crucial to this element of your counterclaim.

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I am not so sure slick - only because, there is clearly no need for the OP to have a contract or agreement with them for them to be liable. If some random person had broken in and stolen the items, they would be liable - and there was no agreement or contract.

 

As I say above - I do not know enough to clarify. But that said, I do know enought to know that the agreement/contract argument is not a valid one.

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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Sorry if my post was ambiguous.

 

My point is that our OP can hold the LL responsible for any damage caused by the contractors. OP has no contract with the cont'rs.

 

Compensation for the theft of the lappy is clearly a different matter as it was not taken by the LL. A sympathetic judge could conceivably find the evidence or circumstances suggest it was the cont'rs who took the lappy and the LL is responsible for this.

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Ah sorry I understand now slick ;)

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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Sorry if my post was ambiguous.

 

My point is that our OP can hold the LL responsible for any damage caused by the contractors. OP has no contract with the cont'rs.

 

Compensation for the theft of the lappy is clearly a different matter as it was not taken by the LL. A sympathetic judge could conceivably find the evidence or circumstances suggest it was the cont'rs who took the lappy and the LL is responsible for this.

 

Thanks for all this. I have filed an acknowledgement of service to prepare for my defence. I'm going to get all my photographs and my written attempts to contact the landlord together as a report and send this to the court. I just hope that the landlord will take stock when he sees this and hold off on the court appearance and sort things out directly (though I doubt this). I think that fact that he was ignored my grievance for over three months will not do him any favours in the eyes of the court!

 

In terms of the damage and cleaning. I had a broken bedside lamp and some clothes and bedsheets were soiled. There was a lot of muck on the carpet and it was stained. What was a concern was the ammount of residual dust in the air (the old boiler cupboard is in my bedroom) and this was really bad for my chest (asthmatic). I didn't actually stay in the flat for two days until the place was cleaned and hoovered. Moreover, there is still a vast ammount of muck, wood and other material in the old cupboard that still hasn't been picked up and taken out. I suppose a lot of this, what I describe could be termed subjective so thankfully I have photographs to substantiate things. Also some people may say, "well it isn't that bad in the scheme of things" but it was in some ways - it had quite an unsettling effect on me and took a while to sort out. Moreover, the unannounced visit a week later was hugely disrespectful - especially as they left my room in a similar state.

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