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Court Summons out of the blue - What do I do now?


Elkus
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CL finance dont concern themselvs with trivial matter like not sending a NoA or Default Notice they are above the law.They purley buy debts which are defaulted with no intention of dealing with the Debtor to persue you through CCBC ( Northampton) and use the Bulk Centre restrictions as a way to avoid furnishing said documents, at the the time of litigation.

Providing you defend and I mean Defend all,this will stop the automated process of them attaining Summary Judgement and put them to proof of their claim

I wish you well with your case

 

Regards

 

Andy;)

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Morning Elkus

 

Can you post up a copy of the NoA less your personal details.

Unless they provide copies of CAA DN statements etc then the CPR request remains incomplete.So you will have to submit an holding Defence.

 

Regards

 

Andy

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Ok that looks ok have you had the same from GE capital ?

 

I would suspect not I bet the ink had not dried on that one before winging its way to Northampton :rolleyes:

 

 

Andy

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Ok Elkus have you worked out the date of your Defence submission and had a look around for suitable holding defence?

I will assist you if you are struggling with this just post.

 

Regards

 

Andy

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No they know that that they have to compy and as such will remain in Default of said request.Also smacks of desperation remember Litigation involves mindgames and as such we will give them a few.

 

Regards

 

Andy

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Hi Elkus

 

Ok does the DN allow 14 days to remidy said breach ie date of DN plus 3 plus 14?

 

Cant enlarge the CCA to see the details good enough to accetain if it is valid can you post it via Photobucket?

 

Regards

 

Andy;)

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So the DN is not dated?:confused: so how can you work out the perscibed period to rectify ie 14 days from when?????

 

On the CCA looks like an Application Form but still quiet blurred.Are there any Perscribed terms within the signitory sheet ie Interest rate,payment date credit limit? are there any T&Cs also attached preferbly within the signitory area or refered to on the signitory ie overleath or attached or linked via letter or number?

 

Andy;)

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Hi wouldnt worrry too much re the CCA the DN is invalid anyway and therfore unlawful. Thats enough to render a good defence and refute the claimants P.O.C

 

 

Andy;)

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Hi again

 

Without actually being able to see the CCA properly its difficult to advise on this point.Does it contain both yours and theirs Sigs?

Does it state anywhere that is an application Form?

Like i said earlier everything must be within the signitory sheet perscribed terms and also the T&Cs.

With regards to the Defence thats not a problem and would be delighted to assist in drafting you somthing suitable to your case.

Just post nearer the time (not the day before ) and we will draft your Defence.

 

Regards

Andy

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It could mean but then again you can have an Application agreement providing it conforms to some of the points we have already discussed.

If you feel that it does contain the perscribed terms apart from the OCs signiture then it is therefore unexecuted.You need to check it contains T&Cs if you are happy that the terms are there.

 

Andy

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It would be helpful, we know the DN is pants ,would nice to know if the CCA is also.

 

 

Andy

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Hi Elkus

 

Ok can see the detail now.I would be inclined to think that this would have been a valid CCA however pity it is unsigned by the OP. I would contend that this could amount to a pre-contractual document. As far as im aware the completed rubber stamp could have been put on last week unless thats dated also.Without the OCs signiture then IMHO it can be argued that the application/agreement remains unexecuted and therfore invalid and unbinding.You may wish for other views and see if they are in agreement.

 

 

Regards

 

Andy

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Well its only a small point but big enough to render said CCA unenforcable,so along with the DN you have enough to defend with a very good prospect of success.

At the end of the day the game is not to get to Court but to imply to the Claimants that they got it wrong and game over.Post nearer to your submission date and I will assist in your Defence

 

 

Regards

 

Andy

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  • 2 weeks later...

Hi Elkus

 

 

I would advocate submitting the following this can be input on line vis a vis MCOL using your password on the summons.Copy and paste and submit print off your reciept as proof and sit back.

 

 

A defence should deal with the claimants pleading and not be complicated and long in these matters. It should not contain references to cases etc. Do not forget you may have to argue that which is contained in your defence and so you need to understand that to which you are endorsing a statement of truth. Until the claimant pleads in an appropriate manner, you should not reveal all your 'cards'. I suggest a defence as follows:-

 

 

Defence

 

 

I Elkus make this statement as my defence to the claim brought by(Claimant name)

 

1.The claimants particulars of claim are vague and fail to disclose any cause of action, they appear to be an abuse of the process in that they fail to deal with the basic rules of pleading in accordance with the CPR

 

2.No documents supporting the claims in the particulars have been offered which the defendant needs to establish what agreement it is that this action is based upon

 

3.Without clarification of the claimants claim, the defendant is extremely disadvantaged and the claimants claim appears without merit

 

4.Further to above the defendant is unable to plead effectively or at all. The defendant is embarrassed.

 

 

 

 

The above is all you need to place in the defence.

 

You should write to the claimants solicitors as follows:-

 

' Herewith copy defence by way of service, the same having been filed with the court.

 

Please serve amended particulars of claim and plead yor clients case in an appropriate manner within 7 days, so that I am aware of the case I will have to meet at trial. I request that you attach to the particulars a copy of the agreement upon which the claimant relies. The matter will be transferred to my home court and the claimant will have to produce the document, in any event. In those circumstances you should plead in accordance with the CPR.

 

Failure to provide that requested in the time period provided for will result in application to the court. I confirm a copy of this letter will be produced to the court when the question of costs falls to be decided'.

 

 

Yours Elkus

 

Send Rec Del and retain proof dont sign print

#

 

Regards

 

Andy;)

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Great, thanks very much! That's pretty much what I was looking for but was a bit put off by the long defences :?

 

However I have a couple of questions to ask, if you don't mind? As you say I need to be fully aware of all the facts, so I'd like to clarify a couple of points:

 

 

 

I assume we're referring to the lack of documentation supplied with the claim? I gather this is standard practice with online applications (although last time I saw a claim come from Northampton it had all the referenced materials attached) and is 'acceptable'? I have never seen one from CCBC with docs attached

 

I'm also assuming that we're not including the fact that they sent the materials under my CPR request, so is this relevant? You recieved a NoA which looked ok the DN is undated so invalid and the CCA is unsigned therefore unexecuted ( This could be regarded as a minor omission and still rendered enforcable )

 

 

 

I've always been curious about this... What exactly does pleading embarrassment achieve?:rolleyes: Doesnt achieve anything just outlines your ignorance to a vague POC.I appreciate the Account number is named but without the CCA means very little.

In view of the above docs being supplied i would be inclined to not send the follow up letter to their Sols but just submit the short Defence.Dont reveal all your cards for now you will have another opportunity at AQ stage.The DN is your key in this matter its invalid because of no date therefore the account as been terminated unlawfully and therefore the proceedings as well.If you feel confident to argue the above point then thats the way to proceed.

 

 

 

Haven't we already asked for this under CPR? They did send me a copy when asked, although it is of dubious nature...Point this out at AQ

 

But apart from that, thanks again, you've all been really helpful with your suggestions :D

(Can there ever be too much praise??)

 

Elkus

 

 

Regards

 

Andy

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Aha now I understand!

 

Do they have to state the account has been terminated, or does the issuance of a DN and the follow-up court claim automatically render the account terminated? Still not 100% sure on this one cos they could claim the account hasn't been terminated and issue a 'correct' DN at a later date...Unlawfully terminated they cant reissue a second DN unless you resign a new agreement which is unlikely

 

Other than that I'll get the defence sent later on in the week once I fully understand what I'm putting there!

 

Elkus

 

 

Andy;)

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Stick to the DN flaw everything else is immaterial

 

 

Andy;)

Edited by Andyorch

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  • 4 weeks later...

Well done Elkus;)

 

 

Regards

 

Andy

  • Haha 1

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