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    • I did not receive a notice via post but in my claim status it shows my claim was transferred to a court I requested in my DQ, as it is closer to me.    Defense I filed:  1.       The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2.       The defendant paid the lead tenant a fixed sum monthly bill without fail for the extent of the rental period of the accommodation their contract was associated with who was responsible to make payments to the claimant, ending in June 2023. 3.       After moving out, a month later, the claimant wrote to state that an outstanding sum existed. Further stating, as one of the 10 tenants at the time, I now owed them the full sum instead of my 1/10 proportion of said debt, as 10 students were at the dwelling. They also intimated that they were legally allowed to charge me the full sum if the other renters were not to pay their share under some equal and joint severity rule. 4.       Despite sending numerous requests prior to the court claim being raised for copies of said bills for said utilities covered by the agreement, the claimant failed to send any clear bills. This included a CPR 31.14 on xx/xx/xxxx sent via post. 5.       The defendants stress that they acted in good faith to settle the outstanding balance, as evidenced by the confirmation received from the claimant.  Any subsequent demands for additional payments are unwarranted and contradict the claimant's previous acknowledgment of settlement. 6.       Pursuant to OFGEM code of back billing rules the alleged charges relate to charges which have not been billed correctly by Co-operative Energy and are therefore prevented from charging. With the court’s permission the Claimant is put to strict proof to: - a) show and disclose how the Defendant has entered into an agreement. b) show and disclose how the Claimant has reached the amount claimed. c) show how the Claimant has the legal right, either under statute or equity to issue a claim. 7.As per Civil Procedure Rule 16.5 (4) it is expected that the Claimant prove the allegation                  that the money is owed. 8.It is therefore denied that the defendant is indebted to the claimant as alleged or at all.
    • Paint is a free programme on any Windows PC. But don't worry, the choice here is not either perfection or nothing. As you say, use your scanner, save the file ... and then use the "choose files" option when you post to CAG to add the file. We can do all the redacting and converting to the correct file type at this end.  The important thing is just to get the info to us. Why not do an experiment this afternoon and see if the above works?  
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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upto the eyeballs v CL Finance No CCA IN COURT ** Help **


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Hi, the most important thing is to make sure in your Draft directions you ask for the "original documents to be produced in court".

 

Have a look at my thread with CL

 

 

Ill comeback this Pm to help with the AQ

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, have you posted details of this on another thread, i cant find any?

 

What date do you have to file the AQ by?

 

was it a credit card and how much is the claim roughly?

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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I would use the following for the directions, let me know what you think,

 

In the xxxxxxxxxCounty Court

Claim number xxxxxxxxxx

Draft Order for Directions

 

1 The Claimant shall not later than 4:00pm on (date) (being a date 2 weeks from the date of the making of the case management directions) deliver to the Defendant a verified true copy of each of the following documents mentioned in the Particulars of Claim

 

(a) the executed regulated consumer credit agreement made between the defendant and xxxxxxxxxxxxxx under reference xxxxxxxxxxxxxxxx together with any terms and conditions that applied to it, the original to be produced at the hearing.

(b) the default notice

© notices of assignment

(d) a full and complete statement of account including all payments made and charges applied covering the period beginning with the day of the making of the agreement and ending on the date of the commencement of this case.

 

2 In the event that the Claimant shall fail to comply with paragraph 1 of this order the claim shall stand struck out and the Defendant shall be at liberty without further order to apply to this court for judgment and for costs on the standard basis to be subject to detailed assessment proceedings if not agreed.

 

3 In the event of compliance with paragraph 1 of this order this case shall be allocated to the fast track and

 

4 The Defendant shall be at liberty to file and serve a consequentially Amended Defence by 4:00pm on (date) (being a date 6 weeks from the date of the making of the case management directions).

 

5 There shall be a stay of proceedings from (date) (being a date 7 weeks from the date of the making of the case management directions) until (date) (being a date 11 weeks from the date of the making of the case management directions) to enable the parties to settle using the small claims mediation service.

 

6 Standard directions for the notification of the result of mediation to the court office whereafter in the event of mediation failing,

 

7 Standard fast track directions for the disclosure of documents and exchange of witness statements with no provision for expert witness evidence; date for hearing with a time estimate of 3 hours.

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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Here is my suggested Other Information,

 

 

Other Information

 

Section I

If the court is in agreement, the defendant respectfully requests that special directions may be given as per the attached draft order.

 

The defendant proposes these directions in mind of the Overriding Objectives, and in particular the duty of the parties to help the court further them. The issues outlined below are the crux upon which this claim rests, and the proposed directions identify these issues and will allow them to be assessed in advance of the hearing so that this claim may proceed justly and expeditiously;

 

Without production of the requested documents, I am at a disadvantage and am unable to serve a proper defence. Failure of the claimant to supply the requested documentation will make the case much harder for the court to deal with as without production of the requested documentation will inhibit the courts ability to deal with the case.

 

The House of Lords in the case of Wilson v First County Trust Ltd - [2003] All ER (D) 187 (Jul) made it clear in paragraph 29 of LORD NICHOLLS OF BIRKENHEAD judgment

 

29. The court's powers under section 127(1) are subject to significant qualification in two types of cases. The first type is where section 61(1)(a), regarding signing of agreements, is not complied with. In such cases the court 'shall not make' an enforcement order unless a document, whether or not in the prescribed form, containing all the prescribed terms, was signed by the debtor: section 127(3). Thus, signature of a document containing all the prescribed terms is an essential prerequisite to the court's power to make an enforcement order. The second type of case concerns failure to comply with the duty to supply a copy of an executed or unexecuted agreement pursuant to sections 62 and 63, or failure to comply with the duty to give

notice of cancellation rights in accordance with section 64(1). Here again, subject to one exception regarding sections 62 and63, section 127(4) precludes the court from making an enforcement order.

 

Its is respectfully requested this case be allocated to the fast track, it is a straight forward case and is easily resolved on production of the required documentation by the claimant, should the claimant not have the documentation required to progress this case I suggest that there will be no case to answer

 

Therefore it stands to reason that these documents must be disclosed before this case can progress any further

  • Haha 1

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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I dont want to sound like a damp squib, but Cohens never respond to anything, if you have sent them a request , their non-response speaks for itself.

 

If you get to a hearing you don't want to bring up endless correspondence concerning this, it will just cloud the main issues.

 

Best to just make the main point,i.e. The claimants disregard of the CPR.

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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Dont know if you were all aware, but the company behind all this lot "Cattles", who own Wellcome/Lewis/C l Finance/Cohens etc have just laid off 1000 staff.

 

BBC NEWS | Business | Loan firm set to cut 1,000 jobs

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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In the directions, item 1 add " the original documents to be brought to the hearing"

 

Item 2 add " together with proof of service"

 

Delete the last line

 

I suggest you dont send a copy to the other side (ammend the form to suit)...If you do make sure you dont sign that copy.

 

Either deliver to the court in person, or send by SD.

 

This could be multitrack have you checked? its ok to leave it as fast track either way as the judge will decide that.

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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  • 2 weeks later...

Admissions made after commencement of proceedings

 

14.1

 

(1) A party may admit the truth of the whole or any part of another party’s case.

(2) He may do this by giving notice in writing (such as in a statement of case or by letter).

 

(3) Where the only remedy which the claimant is seeking is the payment of money, the defendant may also make an admission in accordance with –

(a) rule 14.4 (admission of whole claim for specified amount of money);

 

(b) rule 14.5 (admission of part of claim for specified amount of money);

 

© rule 14.6 (admission of liability to pay whole of claim for unspecified amount of money); or

 

(d) rule 14.7 (admission of liability to pay claim for unspecified amount of money where defendant offers a sum in satisfaction of the claim).

 

 

(4) Where the defendant makes an admission as mentioned in paragraph (3), the claimant has a right to enter judgment except where –

(a) the defendant is a child or protected party; or

 

(b) the claimant is a child or protected party and the admission is made under rule 14.5 or 14.7.

 

(Rule 21.10 provides that, where a claim is made by or on behalf of a child or protected party or against a child or protected party, no settlement, compromise or payment shall be valid, so far as it relates to that person’s claim, without the approval of the court)

 

(5) The permission of the court is required to amend or withdraw an admission.

 

(Rule 3.1(3) provides that the court may attach conditions when it makes an order)

Edited by creditcardmug

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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That being the case you will have to do the AN then using the N244, theres another form to fill in to have the costs waived, its EX160.

 

I haven't filled these in before myself, hopefully someone will be on to help you with it.

 

Will you go with not having an understanding of court procedures until you researched the subject, and given that you only had 14 days, you rushed it and accidentally filed the part-admission?...being a litigant-in-person, you understand.

Edited by creditcardmug

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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In the N149 do they say it should be small claims, or fast track?....the two forms are almost the same, and ask the same questions in a different order, i dont think its anything to be concerned about, the judge will decide its fast track anyway.

 

Not sure yet what they mean re:witness statement.

 

I still think you need to do the N244.

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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  • 2 weeks later...
  • 4 weeks later...

Well thats fine, you need to spend the time between now and then getting your act together, when is the hearing date?.....i bet they dont turn up!

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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