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    • Ok thanks, I really need help with my mental health over this I’ve called 111 Hi sorry just one more thing can they contact my workplace?
    • Sorry to shatter your leftie dreams 🤣😂🤣😂     Donald Trump gets a SIX-POINT bump in approval after being found guilty on 34 counts according to snap Daily Mail poll: 'I think it was a waste of taxpayer money' WWW.DAILYMAIL.CO.UK Teflon Don rides again, according to an exclusive poll for DailyMail.com which found that the guilty verdict in Manhattan... James Johnson, who conducted the poll, said Trump might be waking up as convicted felon but he was winning over the voters who matter.   Our snap poll of a representative sample of likely voters shows that for most Americans the trial has not changed their deep-set views of Trump,' he said.  'But amongst those who are open to changing their mind, people feel more positive by a margin of 6 points. That is outside of the margin of the error of the poll and we are saying that is significant. 'It extends to Independent voters too. Look at the explanations and it is clear why: people feel it was a politically motivated trial and view Trump as a "fighter" against what they see as injustice.     
    • Which Court have you received the claim from ?  Civil National Business Centre Northampton NN1 2LH Name of the Claimant ?  PRA Group UK Portfolios LTD   How many defendant's  joint or self ?  Just my self Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to.    24th May 2024   ^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE ON THE CLAIMFORM IS ONE IN THE COUNT [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days in total   Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total)  if your defence filing date falls on a W/End, you must file by friday @4PM     Particulars of Claim   What is the claim for – the reason they have issued the claim?  The claimant claims the sum of £22,000 for an outstanding debt owed. On 30/1/18 the defendant entered into n agreement with Lloyds Bank Plc for a bank loan under the reference 10017#######. On 4/1/19 the defendant defaulted on the agreement with an outstanding balance of £22,000. On 30/11/22 the debt of £22,000 assigned to PRA Group (UK) Limited, who itself assigned the debt to PRA Group UK Portfolios Ltd on 30/12/23. Notices of assignment were sent to the defendant in accordance with S136 Law of property act 1925. The claimant has instructed PRA Group (UK) Limited to act on its behalf in the recovery of the outstanding debt and to pursue litigation on its behalf. AND the claimant claims 1. The sum of £22,000. What is the total value of the claim?  £23,500 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?  No - N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account?  Bank loan When did you enter into the original agreement before or after April 2007 ?  No Do you recall how you entered into the agreement...On line /In branch/By post ?  I believe it was done online on their app Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ?  Yes 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.  Debt was with halifax, whom passed the debt to PRA Group. Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes Did you receive a Default Notice from the original creditor?  I'm not completely sure at it was nearly 6 years ago, I have done a CCA request and they have sent a screenshot of their system showing it was sent. 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?  Couldn't afford to make payments. What was the date of your last payment?  August 2018 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
    • It’s all with current lenders and no missed payment to date. so with any reduced payment to them it’s likely to be going to debt collectors at some stage. we jointly own a property together me and my partner 
    • It’s all unsecured loans and credit cards. Mainly loans now though as most credit cards are paid off.   so 95% unsecured loans.   I just don’t know my situation job wise it’s almost impossible to say whether it’s likely or not just don’t want to be caught out by it. My mental health trying to pay this off has taken a huge hit also if I’m being honest. I feel like mentally I need some kind of respite and the credit file cost is something I can accept also. 
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Hi Dave and all who are helping you. Alarmingly, a third case has surfaced where HL is putting the CPR31.14 request into court as the defendent's defence - see here.

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/186936-county-court-claim-2.html

 

I'd be grateful if any of you could add to rogermeard's thread from your experiences. HL legal, as ScabHunter says, now definitely appear to be using this as a tactic and it needs to be stopped.

 

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well I rang the court today hoping to hear that the case had been struck out because they had run out of time (court gave 5 days from the 9th March).

No such luck as the guy at the court told me that they allow a couple of days for post and there`s a bit of a backlog , I was told to ring back in a couple of days:mad:.

And there was me thinking that 5 days meant 5 days, only in my world it would appear:confused:.

 

Notts

Edited by Nottsdave

As a great man once said " All Men Can Fly But Some Only in One Direction"

 

Notts

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Yes this is not unknown I have dealt with 3 courts and all have a post backlog-thing is it should not reflect their deadline-it was either filed on time or it wasnt-if it wasnt,then its your call.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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well I rang the court again today to see if the case had been struck out (judge gave 5 days from the 5th March for the claimant to get there AQ in) surprise surprise no AQ has been received but the case now has to be refered back to the judge for action.

 

How long will this drag on !!!!

 

Notts

Edited by Nottsdave
fast fingers

As a great man once said " All Men Can Fly But Some Only in One Direction"

 

Notts

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well I rang the court again today to see if the case had been struck out (judge gave 5 days from the 5th March for the claimant to get there AQ in) surprise surprise no AQ has been received but the case now has to be refered back to the judge for action.

 

How long will this drag on !!!!

 

Notts

 

This is so unfair. Did the DJ say the case would be struck out if they didnt file within the extra 5 days ?. It is now the 18th, more than enough time to get themselves sorted.

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yes, the letter clearly states ----

 

Quote

Unless the Claimant files an Allocation Questionnaire and pays the fee thereon within 5 days of service of this Order in default the Claim is struck out.

 

I dont think the AQ is coming from the other side;), but I still say five days is five days:confused:.

 

Really frustrating :mad:

 

Notts

As a great man once said " All Men Can Fly But Some Only in One Direction"

 

Notts

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I know how frustrating it is, i have had this twice myself now, the last time i wrote two letters to the court, in order to achieve success, if its been sent back to the judge to look at, you should get movement soon

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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Hi Tam

 

I tired of ringing the courts to see if the case has been thrown out (due to backlog of work) Im expecting to hear this week.

 

Notts

As a great man once said " All Men Can Fly But Some Only in One Direction"

 

Notts

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:mad::mad::mad::mad::mad:

 

I cannot believe whats happened, after the compete cock up regarding Northampton Bulk Centre claiming that my defence had been filed when it hadnt. Then after contacting Nottingham court over the past two weeks and being told that nothing had been received from the claimant I then get a letter from the court that states......

 

Dear Sir / Madam

 

I refer to the above mentioned claim and your recent telephone conversation with a member of the Court staff.

It appears that you were incorrectly told that the Claimant had not filed an AQ, the Claimant had actually filed a AQ in Feb , the order dated the 5th March 2009 should not have drawn.

The file has today been referred to a district judge for allocation directions. so what does this mean ?

 

An order will be sent to you in due course. ?

 

Please accept the courts aploigies for any inconvienience caused. no I wont but it wont help me now

 

If you have any queries with reference to the above please do not hesitate to contact the Court on the above number.

 

Many Thanks

 

Blah Blah Blah

 

What happens now guys ?

 

Notts .... mad mad mad and very bemused.

As a great man once said " All Men Can Fly But Some Only in One Direction"

 

Notts

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:mad::mad::mad::mad::mad:

 

I cannot believe whats happened, after the compete cock up regarding Northampton Bulk Centre claiming that my defence had been filed when it hadnt. Then after contacting Nottingham court over the past two weeks and being told that nothing had been received from the claimant I then get a letter from the court that states......

 

Dear Sir / Madam

 

I refer to the above mentioned claim and your recent telephone conversation with a member of the Court staff.

It appears that you were incorrectly told that the Claimant had not filed an AQ, the Claimant had actually filed a AQ in Feb , the order dated the 5th March 2009 should not have drawn.

The file has today been referred to a district judge for allocation directions. so what does this mean ?

 

An order will be sent to you in due course. ?

 

Please accept the courts aploigies for any inconvienience caused. no I wont but it wont help me now

 

If you have any queries with reference to the above please do not hesitate to contact the Court on the above number.

 

Many Thanks

 

Blah Blah Blah

 

What happens now guys ?

 

Notts .... mad mad mad and very bemused.

 

 

Surely the court do no have proof that you filed the initial defense papers..

unless a hacker broke into your web page and used your password and

personal id to authenticate himself!!!!.... report it to the police!!!...

 

very odd, ask pt2537 for advice fast!!!!

 

Tam

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the issue of the bogus defence was a error admitted to by the court, so thats kind of done and over with now.

 

It just highlights the number of errors made by the system.

 

Notts

As a great man once said " All Men Can Fly But Some Only in One Direction"

 

Notts

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Crikey, this is a bit of a muddle isnt it ?.

 

I guess what this now means is that things will be going ahead and that a court date will be sorted out. I am sorry, I dont really know what the procedure is. You have filed all your paperwork havent you ?

 

I really think you need to get in touch with creditcardmug, have you pm'd him. I will ask for a more experienced site member to look in on you.

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4: Staying Calm About Debt  Read Here

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I think the next step is an allocation hearing where the judge will look at the claim and the defence documents, then allocate a track and set a trial date. That bit is straightforward.

 

My worry is if they can't get the straighforward bits right, what have they done with all the other paperwork? Beggars belief. Let's hope your correct defence is in place and that you're not nobbled by more cock-ups (or, er, allegedly dodgy practice by their solicitors).

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Hi Nottsdave

 

These directions are made by the court at the allocation stage of litigation and depend on which track the case is allocated to, and the circumstances of the case. The criterion are set out in the Civil Procedures Rules, and usually made at the discretion of a procedural judge following receipt of allocation questionnaires. These directions allow the justice system to assign the most appropriate court resources to the dispute, having regard to the size of the financial claim and other material considerations.

 

Usually, a court will not issue allocations questionnaires until all of the Defences in the litigation are filed. It is these documents, which are filed and served by each party that the court relies on to allocate the case. The time for allocation may be delayed where a stay of proceedings has been ordered, or where the proceedings have been transferred to another court. The court is at liberty to require the parties to attend an allocation hearing if it thinks fit.

 

A court will make standard directions in small claims track cases. In fast track and multi-track cases a court will consider making directions that set out the timetable up to the hearing, which includes disclosure, exchange of witness statements, filing and serving of experts' reports (narrowing the issues for expert evidence), pre-trial checklists and listing the claim for trial.

 

Once a Defence has been filed in proceedings in either the County or the High Court, the next stage is the filing of Allocation Questionnaires. This is a document forwarded by the Court to each side. The Court sets a deadline by which the completed document must be returned to them.

 

The person who started the proceedings, i.e.: the Claimant also has to pay a fee to the Court of £80 when the Allocation Questionnaire is returned. In some straightforward matters the Court will dispense with an Allocation Questionnaire. This usually occurs when it is clear that the claim is for £5,000 or less and should therefore go into the Small Claims Court jurisdiction. The fee however is still payable. The Allocation Questionnaire will ask for information which will give the Judge a clearer idea of the issues between the parties. The Questionnaire asks about the following issues:

 

1. Whether the parties want the Court proceedings to be “stayed” i.e.: put into suspension for a period of one month to see if a settlement can be reached.

 

2. If the final Trial needs to be held at a different location and if so why.

 

3. A clear indication of the amount in dispute.

 

4. Some idea as to the number of witnesses that each party might be calling.

 

5. Confirmation as to whether Expert Evidence and Expert Reports will be needed.

 

6. Which Track the Solicitor believes is most appropriate for the case. Small Claims Track relates to claims of £5,000 or less. The Fast Track relates to claims of between £5,000 and £15,000 and the Multi Track applies to claims of over £15,000. Different procedures apply depending on the Track that is adopted. The Track can also be determined not necessarily by the amount in dispute but whether there are any complicated legal issues.

 

7. An indication as to how long the parties think they will need for the final Trial and if there are any dates they already know need to be avoided.

 

8. The timetable and items that the Solicitors believe will need to be dealt with before the case is ready for final Trial. These are referred to as Directions.

 

9. Some idea as to the legal costs already incurred.

 

10.Any other information, which will be of use to the Court.

 

Each party must file the Allocation Questionnaire with the Court by the date specified. They must also supply a copy of their completed Allocation Questionnaire to the other side. The Judge will then look at the two Allocation Questionnaires and the Court file and will decide what Directions are appropriate and whether or not a Case Management Conference is necessary. The Court will then send out an Order which will set out the timetable the Court requires, the list of things that will have to be done and any date fixed for the Case Management Conference. In most cases the Court will also fix a “window” for the final Trial.

 

 

Edited by ukaviator
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they sent some statements and a poor application form which the mighty Scabhunter says is rubbish. No cancellation notice.

 

So i figure with what they have sent isnt enough for them to win.

 

Notts

As a great man once said " All Men Can Fly But Some Only in One Direction"

 

Notts

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Hi, you wont necessarily have to attend an allocation hearing, you will probably get an order for directions from the court shortly

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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Yes it will probably be allocated by post in your case.

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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