CCJ action started and I need help!! Nursery Fee Debt alledgedly

[Percival Wigglesbottom]

From their website,

they only ask the OC for the name , address and account info to proceed with their collection activities .

 

So, a good company to start requesting some official documentation off of ,

since they won't have any . ie , Notice of fair processing, cca, notice of assignment, statement of account , subject access req (if you don't mind the fee) etc .

 

They seem like a small scale dca working on a smaller profit margin so anything to rack up their time , costs and expenses in processing your account would be advantageous. Get them bogged down in formal complaints , I bet they don't have the wherewithal to withstand a concerted paperwork attack on their rearguard.

 

I wonder if they even have a complaints procedure .

Edited March 23, 2009 by Percival Wigglesbottom

[Percival Wigglesbottom]

Have they issued a default notice ? What does the particulars of claim say ?

 

Maybe ask to get the thread name changed since the issue of them not holding a licence is now defunct , but more importantly they have initiated proceedings and this thread will more than likely address your defence to their claim and you'd want a title to draw in people with legal expertise to aid in this defence .

Edited March 23, 2009 by Percival Wigglesbottom

[Percival Wigglesbottom]

Maybe just let this thread die off as an issue resolved , just begin a new thread with relevant title with all the relevant info you have here , plus anything else that could be of use .. ie history of account to date , what requests you have made , what their responses have been . What they have done or not done, what the POC states etc . No default notice would be a good start to constructing the defence. How far along you are in proceedings etc . It is not clear exactly , at least to me, what stage you are at with this claim.

[Percival Wigglesbottom]

There are two letters in the link below that you could adapt for your cpr 18 request for information :

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/126912-court-summons-brachers-solictors.html#post1329130

 

You could go to experian and get a copy of your credit report for £2 , as you said on the other thread there was no default notice issued. Your report should show up as clean of any defaults issued by them . No default notice will probably be the main part of your defence. I assume your account with them has been terminated in them taking you to court ? What they can do with an account they have wilingly terminated without issuing a default notice I am not sure on , I do not think they can sue for the whole amount . Will need expert advise on this default, or lack thereof, angle .

Edited March 23, 2009 by Percival Wigglesbottom