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    • hugo1963
      Debt has spiraled out of control Court Claim Received

      By hugo1963 · Posted

      Welcome to the National Consumer Service Buying any goods or any services??? A used car? - Paying by cash or bank transfer??? - BIG Fail!Share the love – Tell a friend about the Consumer Action Group - your National Consumer ServiceAre you buying a used car...? Protect yourself – read our used car guideESSENTIAL:: Read our Customer Services Guide!!!Twitter - Why you should open a Twitter account ESSENTIAL:: Read our Customer Services Guide!!!Have we helped you today...? Please help the CAG Had a car accident? Been offered a courtesy car?Follow @Real_CAG Parcel Delivery Insurance is Unlawful - The TimesWhy don't you change your profile picture?? Problem with utilities company or phone/broadband? Begin by sending a statutory request for your personal data. It’s free    Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.× Financial Legal Issues Complete My Profile Dismiss Next Step: Profile Photo (Profile Photo and Cover Photo) Your profile is 0% complete! Twitter X - Include the @company's twitter name in your post title – here's why… The UK Stands With Ukraine - 'Slava Ukraini' Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.  You have received a Court Claim ISSUED IN ENGLAND & WALES What you need to do Rate this topic By citizenB March 4, 2014 in Financial Legal Issues style="text-align: center;">     Thread Locked because no one has posted on it for the last 3638 days. If you need to add something to this thread then   Please click the "Report " link   at the bottom of one of the posts.   If you want to post a new story then Please Start your own new thread That way you will attract more attention to your story and get more visitors and more help    Thanks   citizenB Posted March 4, 2014 #1   The questionnaires below provide important information which will allow us to help you. In order to use them, you will have to copy them into your own post and then give us the answers – preferably in red below each question. You can start by overwriting the prompt: "Give answer here" below each question – and your responses should automatically appear in red   Thank you +++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++   You have received a claim form.   firstly - read all the posts in this thread FIRST...   then copy this first msg to your thread - and put your answer after each question   In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us]     Which Court have you received the claim from ? Name County Court   MCOL Northampton N1 ? Manual Claim CCMCC (Salford) ? New beta WWW.MONEYCLAIMS.SERVICE.GOV.UK ?   If possible please scan redact and upload a full page copy of page 1 of the claim form. (not the response page or AOS)     Name of the Claimant ? Give answer here   How many defendant's  joint or self ? Give answer here   Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. Give answer here   ^^^^^ 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? Please type out their particulars of claim in full (verbatim) less any identifiable data and round the amounts up/down. state how many digits the account number has.. Give answer here   What is the total value of the claim? Give answer here   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Give answer here   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Give answer here   Did you inform the claimant of your change of address? Give answer here Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Give answer here   When did you enter into the original agreement before or after April 2007 ? Give answer here   Do you recall how you entered into the agreement...On line /In branch/By post ? Give answer here   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Give answer here   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. Give answer here   Were you aware the account had been assigned – did you receive a Notice of Assignment? Give answer here   Did you receive a Default Notice from the original creditor? Give answer here   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Give answer here   Why did you cease payments? Give answer here   What was the date of your last payment? Give answer here   Was there a dispute with the original creditor that remains unresolved? Give answer here   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Give answer here   What you need to do now.   Answer the questions above   If you have not already done so – send a CCA request to the claimant for a copy of your agreement (If Applicable) (except for Overdraft/ Mobile/Telephone accounts)   Send a CPR31.14 request to the solicitor named on the claim form for copies of documents mentioned/implied within the claim form. There are two different versions - one for Loans/Credit cards the other for Current accounts   Request 1 - Loans/Credit Cards     Request 2 - Current Accounts     You may use a CPR part 18 request for any other information (not request documents) that you might require in order to defend yourself. Please note that CPR 18 is specifically for Fast Track claims and although technically the claim has yet to be allocated to a track the claimant may refuse to comply for this reason.   If you require CPR Part 18 - this will need to be drafted specifically.   If you are not planning on defending for one reason or another – then you will need to complete an Income and Expenditure form and contact the Solicitor with your proposal. The N9a is already enclosed in the claim pack for Admittance which should be sent to the solicitor named on the claim form   If you are considering making a partial admittance N9b must be completed and returned to the court. Please note in most cases a partial admittance will result in an automatic CCJ for the amount admitted.   You have received a Claim - What you need to do.pdf1.33 MB · 242 downloads     Before Printing the PDF TIP   If you DO NOT wish to print Page 1 (Cover Page) of the PDF, please ensure to do the following:   Ensure you go to your Printer Settings and set it to 'Print from Page 2' (this way Page 1 (Cover Page) should not print out).   Note: This will save you Ink & Paper     Bookmark   Report 3 weeks later...   AndyOrch Posted March 20, 2014 #2   Once you receive a Court Summons N1   As a defendant in a small claims case it is important that you act quickly and do not ignore the claim form when it arrives. Remember, the claim will proceed anyway even if you don’t respond. If the claim goes against you, it will be very difficult to make a counter claim as you didn’t respond to the initial small claim.   You may be unaware that you are the defendant in a small claims case that a Creditor has bought against you. When the small claims form arrives follow these initial steps:   1: Read the Form Carefully   The detail about the claim that is being bought against you will be in the ‘particulars of claim’ section. If this section isn't completed, or has the words ‘particulars of claim to follow’ take no action now and wait until you are sent details of the claim against you. You may want to consult a lawyer at this stage.   2: Respond in Time   It’s vitally important that you respond to the claim for you have been sent. Remember that there is a 19 day (5 +14) time limit on this to acknowledge the claim.You must submit before the 19 days are up, so post your response with plenty of time.If your intention is to defend the claim in full you get a further 14 days to submit your response ...so 33 days in total.   3: Talk to the Claimant   Just because a small claim has been bought against you and a claim form issued, this doesn’t mean you are not allowed to contact the claimant directly. In fact the court encourages you to try and settle the claim without the need for a court appearance. So, try and resolve your dispute directly with the claimant if you can.   Not Responding to a Small Claim   If you ignore the small claims form when it arrives this can have an adverse impact on your financial status. The court will continue with the small claims lawsuit that is being bought against you even in your absence as this is a legal requirement. When the small claim is processed you will be sent a bill showing the amount you owe and any additional costs. The small claims against you is a legal process that will be recorded on the Register of Judgements, Orders and Fines. This information is used to check your credit, so could have a negative impact when you next apply for any credit. To avoid damaging your credit rating reply to your small claims docket as soon as you can.   How to Respond to Your Small Claims Form   When you received your form from the court you will also have been sent a response pack. In this pack you will see the option that are open to you. These include:   • A dispute claim form. You can use this form if you do not agree that you are liable for the small claim being bought against you and wish to submit a Defence. • Details about how to pay the amount being claimed from you. • Details about how to admit to part of the small claim against you, and how you can ask the claimant for more time to pay.   There are Two Types of Small Claims:   Fixed Amounts:   If the claim against you is for a fixed amount of money your response pack will contain three forms. Form N9 (acknowledgement of Service), form N9A (admission form) and N9B (defence and counterclaim form).   Unspecified Amounts:   If the amount being claimed is unspecified you will be sent forms N9 and N9C (admission form) and N9D (defence and counterclaim form). It is vital that you read the accompanying explanatory notes before choosing which form to send back.   Paying the Small Claim   If you want to make full payment of the amount being claimed against you this amount will be shown on the claim for you have been sent, and will also have details about where to send the money. Don’t forget, this must be done within the 14 day time limit or your case will proceed to the next stage.   In some instances you would like to pay, but need more time, you can give details about the delay you would like on form N9A, which should be in your response pack. It’s also a good idea to read leaflet EX309: The Defendant Admits by claim as this gives more details on this aspect of your case when fixed amounts of money are involved. Leaflet EX308 gives details of cases when unspecified amounts are being claimed against you.   Also please read forms EX326 and EX160A   How to Defend a Claim Against You   Disputed claims are handled by filling in the appropriate form from your response pack. You have three choices: Form N9, N9B or N9D. Read the note accompanying each form carefully to ensure you completely correctly. Pay special attention to the allegations raised on the form. If you don’t respond to each the court will assume you are admitting guilt. Edited April 10, 2014 by stu007 Updated PDF added    1   Bookmark   Report 2 months later...   citizenB   Posted June 5, 2014 #3   PLEASE NOTE - WARNING   Once you have received your claim form - the Court timetable comes into force. Not that of the creditor or claimant. If you have requested information with them after the claim has been issued - or have entered into discussion with them and they say something like "We will put this on hold for a period of time". You cannot and must not ignore the timetable from the court.   This thread should serve as an example   http://www.consumeractiongroup.co.uk/forum/showthread.php?416202&p=4547677#post4547677   The OP in the case above was in communication with the CAG Vodafone rep. A claim was issued during this time. The Rep in good faith said he would ask the Claimant to put things on hold.... they did not.. the OP ignored advice from caggers to continue with the court timetable and did not submit a defence. The claimaint obtained a Judgment by default. Edited June 5, 2014 by citizenB     Bookmark   Report 3 yr AndyOrch changed the title to You have received a Court Claim ISSUED IN ENGLAND & WALES What you need to do   style="text-align: center;">     Thread Locked because no one has posted on it for the last 3638 days. If you need to add something to this thread then   Please click the "Report " link   at the bottom of one of the posts.   If you want to post a new story then Please Start your own new thread That way you will attract more attention to your story and get more visitors and more help    Thanks  This topic is now closed to further replies.  Share Follow3 Go to topic listing Next unread topic Recently Browsing   1 Cagger hugo1963 1,380 Members Viewed hugo1963 4 minutes ago   lolerz 4 hours ago   vicr76 8 hours ago   Moomoo11 Friday at 18:18   London1971 Friday at 11:26   AndyOrch Friday at 11:13   mollie5549 Thursday at 17:21   zyghom Thursday at 13:26   Magnusinfinity May 15   Newdogg06 May 14   Unique May 13   saberguy May 12   Mycathasfleas May 12   WantJustice May 9   Rain clouds May 8   MoltoModerato May 3   George2024 May 1   Badtimes123 April 30   LouLouDev79 April 29   northmonk April 29   mowbli April 29   WornOut55 April 27   paulhn757 April 24   UsedCarMan April 23   robertobaggio April 23   marksheff April 20   anotheruser0000 April 19   TT98 April 18   gatoradeqaz April 17   Murielme2 April 15   Frontera mixup April 11   BreadAndButter April 9   Karalius April 9   nurjeon03 April 9   Penglings April 8   Nick April 8   Edals April 5   thesixco April 1   lifttheveil March 30   dx100uk March 30   Stripeycat March 28   jon8214 March 27   sharkieuk March 25   HappyHolidays March 24   sandokan March 22   SimplyBeyondWords March 22   supernick90 March 20   iyam71 March 20   Nicky Boy March 18   StoryBoard March 18   Myth_007 March 15   kaze March 12   RodeMan March 8   eskimo123 March 7   JEDIKNIGHTS March 6   persha50 March 6   tobzas March 6   lancashirelad93 March 6   HappyDay2222 March 3   1penny March 3   nat8808 March 2   FTMDave March 1   lynzmeek February 25   Mike Mechanic February 25   Ethel Street February 24   Outoftoon February 23   anna may February 22   PJB5 February 22   iamgnome February 21   SweetCaroline February 20   EdinburghDude February 19   Grgw44 February 18   linbren03 February 15   whittymags February 9   flembo45 February 7   comebackjimmy February 6   MontyIsInnocent February 4   libra007 February 1   Eamonn77 January 31   xtonehari January 30   hlh49421 January 30   ceeferace January 29   catscratch January 29   Melbel January 25   Suggababe January 19   yorkshire_lufc January 17   ljrobinson69 January 16   makkyinuk January 15   yogii January 14   MadMat January 12   rocky_sharma January 4   mrskippy21 January 3   lookinforinfo December 29, 2023   europa16 December 28, 2023   MrsSl December 27, 2023   KP44UK December 23, 2023   Montego December 22, 2023   Worazz December 21, 2023   StopTheBullies December 21, 2023   hitman126 December 20, 2023   +1280 More   Have we helped you ...?                     Contact Us   Cookies Copyright Reclaim the Right Ltd - reg: 05783665Powered by Invision Community IPS spam blocked by CleanTalk.  
    • jk2054
      Appeal Bundles - Civil Appeals - Parcel Delivery Firms

      By jk2054 · Posted

      Thanks!
    • honeybee13
      The sub-postmasters scandal

      By honeybee13 · Posted

      ITV News have got hold of an email and recording of a phone call between Vennells and Ron Warmington of Second Sight. People in the know are saying it's smoking gun everyone's been looking for. I love that this has come out the day before she appears at the inquiry. This should be interesting under oath. Paula Vennells' 'smoking gun' email reveals Post Office 'cover-up' | ITV News WWW.ITV.COM ITV News has acquired an email and recording of a phone call that suggests the former Post Office boss was aware of issues with the Horizon system...  
    • BankFodder
      Arnold Clark - Failure to repair damage to infotainment screen

      By BankFodder · Posted

      I think you may as well take the opportunity in your letter to tell them that if they won't take responsibility for it then you will see quotations for the repair, provide copies of the quotations to them and then proceed with your own repair and recover the money back from them in the courts if necessary. Separately, can I ask you whether this is the car that you then bought unseen and at some distance from you? Has it come with an MOT and if so what date was the MOT and who gave it the MOT? Have you read our used car guide
    • AndyOrch
      Appeal Bundles - Civil Appeals - Parcel Delivery Firms

      By AndyOrch · Posted

      One set through the whole bundle.

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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

CaqQuest SD for unknown RBS Debt

AngloIrishGuy

By AngloIrishGuy
in Debt Collection Agencies

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42man

42man

Posted
Posted

If you never made a payment in 2005...then I would tell the judge categorically that they are lying....and if there is any doubt that the demand ISN'T set aside, then you should ask the judge for full disclosure...

 

Also it must be presumed that they sent a letter 1st/2nd class to you and that nothing has been served in effect....

 

I refer to:

 

Judge Boggis QC - RE AWAN - [2000] BPIR 241

 

'In my judgment, bankruptcy is one of the most serious forms of execution that can be brought against a debtor. In any bankruptcy proceedings it is, in my view, absolutely clear that the provisions as to service must be followed exactly. - JUDGE BOGGIS QC - SITTING AS A JUDGE OF THE HIGH COURT

 

 

 

And this too.... -

 

Hammonds (a firm) v Pro-Fit USA Ltd [2007] EWHC 1998 (Ch)

 

In this case, Mr Justice Warren confirmed that it was usual for an indemnity award to be made:-

 

27 So far as disputed debts are concerned, the practice of the court is not to allow the insolvency regime to be used as a method of debt collection where there is a bona fide and substantial dispute as to the debt.

 

They were hoping that you would curl up under the threat of a stat demand and pay them.....hoping and praying that you wouldn't defend....no (compliant) agreement, no compliant default notice etc etc. I do hope you will show the judge just how angry you are at the distress and upset this has obviously caused you and your family and attempting to use the Insolvency service as a tool for debt collection.....in the remote chance that the judge doesn't set this aside, then you ask the judge to order FULL disclosure...!! It is only a matter of time before the OFT take action to stop these frivolous statutory demands....

 

Do you still have copies of the letters for the CCA requests ?

 

And please do not forget to report them to the OFT....

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AngloIrishGuy

AngloIrishGuy

Posted
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Posted

Thanks guys for all your help - Do I need to type up a withness statement or not in response to the one CapQuest sent?

 

I go to Court Thursday.

 

I don't have copies of the original receipts when I sent them in June, but I do when I sent them a copy of my application to have the SD set aside from late july, which they have as I added them to my application as exhibits. I assume that, that counts as a proper request as they have seen them in july?

 

As regards the mystery £7000 they now say it was not 7000 but only 100 and on a different date. When I looked at the statements the provided 4 separate payments totaling 30K were made before the account balance brought to nil and then closed.

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ODC

ODC

Posted
Posted (edited)

This just gets better and better. They still have NOT proved you made the alleged payment of £ 100 which has suddely shrunk by £ 6900. Im sure a judge will draw some conclusion from that. They have attached your letter dated July and yet have still failed to supply a CCA after such a time. This in itself is good enough reason to put the alleged debt in serious dispute. I note you said they sent statements that had a differernt address to yours. Had you ever any connection to this address.

 

As for a witness statement I am not sure but I think a response refuting Crapquests nonsense would be in order. Either way you cannot be fully expected to fight these mongrels without your CCA.

Edited by ODC

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AngloIrishGuy

AngloIrishGuy

Posted
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Posted
This just gets better and better. They still have NOT proved you made the alleged payment of £ 100 which has suddely shrunk by £ 6900. Im sure a judge will draw some conclusion from that. They have attached your letter dated July and yet have still failed to supply a CCA after such a time. This in itself is good enough reason to put the alleged debt in serious dispute. I note you said they sent statements that had a differernt address to yours. Had you ever any connection to this address.

 

As for a witness statement I am not sure but I think a response refuting capquests nonsense would be in order. Either way you cannot be fully expected to fight these mongrels without your CCA.

 

No I have never lived at that address, I wish - looks like quite a smart address in Chelsea ;)

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lilly white

lilly white

Posted
Posted

1) " In Paragraph 1 of the Applicants Affidvit: he states that he does not admit the debt because the debt is in dispute". I submit that a mere denial is not evidence of a dispute and if the applicant disputes the debt he should provide valid reasons for that dispute. These have not been provided to the Repsondent and the Apllicant merely says the debt is in dispute"

 

the debt is totally disputed

 

2) The Applicant makes reference in his affidavid to his request under Section 78 of the Consumer Credit Act for a copu of the Signed Agreements. The applicant states that these requests were made by letters dated the 10 of June and 20th of July. Upon checking the respondents records neither of these letters were received by the respondent. I can confirm following the applications were made for a copy of the agreement but will not be available in time for the hearing"

 

COMPLETE RUBBISH

 

3) The Applicant states in that the "debt is statute barred". We can confirm that a payment was made 12th of January 2005. This payment is shown in the copu Statements exhibited to this my whiteness statement. I therefore submit that this debt is not statute barred.

 

RUBBISH PROVE IT

 

4) The grounds of the application seem to be that the debt is disputed on grounds which appear to the court to be substantial. This is the requirement of Rule 6.5(4)(b) of the insolvency Rules 1986. I submit that the matters which I have set out above show that these are not substantial grounds for disputing the debt. I respectfully submit that the applicant has not shown that there are grounds upon which the Statuary Demand should be set aside.

 

IT IS NOT TO AI TO PROVE ANYTHING

 

Not sure what to do - they also sent a copy of several sheets of a bank statement (loan account). Which is at the different address to that of myself but should that payments to the account where of or nearly £30K cleaning the account of all arrears 2006, when the account was closed. this makes no sense to me....

 

Please please please help in responding to this would be greatly appreciated.

 

THEIR WITNESS STATEMENT WAS WRITTEN BY A 2 YEAR OLD, YES YOU IF YOU ARE LOOKING.

 

OK AI HAVE READ AND UNDERSTAND WAS IS SAID OR NOT IN REGARDS TO THEIR WITNESS STATEMENT.

 

IT IS COMPLETE RUBBISH

 

1. It is denied that the matters pleaded in the witness statement actually disclose any cause of action. In particular: -

 

 

a) It is denied that that the Defendant can have liability to "pay" the Claimant sums of money simply on account of "requests for payment" in relation to a abbey bank loan- the only matters pleaded.

 

 

No cause of action known to English Law exists on the basis of such "requests for payment" (whether repeated or not).

 

 

 

b) Neither the Claimant being XXXXXX can give rise - on its own - in English Law to a liability to the Claimant to pay sums which it appears (on the face of the WITNESS STATMENT although due to their vagueness it is hard to know) to be being alleged were due

 

 

c) In any event, it is denied that the Defendant has or ever has had liability to pay XXXXXXXX whomever that may be - any sum whatsoever.

 

2. It is expressly denied the Defendant is liable to pay any money pursuant to contract or otherwise to the Claimant.

 

3. Without prejudice to the above contentions, the Defendant asserts that in particular, given that the original of the liability is said to be a XXXXXXX), it will be the case, taking into account the amount of the liability, that the transaction and the underlying agreement (if any) between XXXXXXX and the Claimant would be regulated by the terms of the Consumer Credit Act 1974.

 

4. It is the express contention of the Defendant - again without prejudice to the contention that there is in fact no agreement - which any such agreement as exists, does not comply with the Act. It is impossible to plead further in the absence of a pleading by the Claimant as to what the agreement was and what its terms were and the Defendant reserves the right further to plead Particulars of failure to comply in the event that the Claimant amends it WITNESS STATEMENT to allege the agreement.

where.

 

 

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42man

42man

Posted
Posted

You don't need to do a witness statement...as you already have a sworn affadavit.....as has been said if they are going to have the temerity to 'serve' a stat demand on you then backtrack on getting an agreement then they get all they deserve !!

 

Are you ok on your costs !!!

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AngloIrishGuy

AngloIrishGuy

Posted
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Posted

OK - Weird.....

 

I just got home from work today and I had waiting for me a letter from CapQuest stating:

 

1) They will have an agent at Court instructed to oppose my application to set aside the SD

 

and

 

2) They do not accept the debt BUT because of time, costs and bla bla bla they would be willing to have the SD set aside as long as there in no order for costs and that I should contact them by 3PM today to let them know.

 

NOW - I just got this so its not possible for me to contact them - but what are they playing at? this seems madness, however if I had of read this before I went into the office I probably would have called and agreed as I cant deal with the hassle of all this - as it stands off I go to Court tomorrow ;( - its all so bloody weird!!!!!

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the_shadow

the_shadow

Posted
Posted

They know your application is more than likely to be agreed hence they dont want the costs against them. As to leaving it till the last minute that plays into your hands.

 

Did they mark the letter "without prejudice"?

 

If not, I would take the letter to the court tomorrow and when the weasel states they offered to withdraw the SD as long as you agreed no costs show the judge the letter, state it arrived the day previous and that you did not have a chance to agree... plus they have had lots of time to withdraw or make the same offer previously and have not.

 

S.

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42man

42man

Posted
Posted

Usual hot air.....I have NEVER heard of them sending anybody to court yet....they have the cheek to send YOU a demand then state...because of time, costs etc etc....Do they really expect you to be beholding to them, for sending YOU a demand that you have the initiative of getting it set aside... !!! show it to the judge !!! shocking....dont forget to report them to the OFT too...

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ODC

ODC

Posted
Posted

Looks like you called their bluff. They obviously had NO intention of following through with the Stat Demand or else they should have had their case in order. They used the SD purely as a means to intimidate you. Luckily they underestimated CAG. Report their sorry asses to the OFT, Your MP and any other regulatory body you can think of. Its time these Shysters were put out of business. Bet you arent at all worried about going to court tomorrow now!!!!.

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Brent-London

Brent-London

Posted
Posted
OK - Weird.....

 

I just got home from work today and I had waiting for me a letter from CapQuest stating:

 

1) They will have an agent at Court instructed to oppose my application to set aside the SD

 

and

 

2) They do not accept the debt BUT because of time, costs and bla bla bla they would be willing to have the SD set aside as long as there in no order for costs and that I should contact them by 3PM today to let them know.

 

NOW - I just got this so its not possible for me to contact them - but what are they playing at? this seems madness, however if I had of read this before I went into the office I probably would have called and agreed as I cant deal with the hassle of all this - as it stands off I go to Court tomorrow ;( - its all so bloody weird!!!!!

 

 

1. Go to court

 

2. Get the SD set aside - looks like they dont have a case and are bluffing (as usual for Capquest - Barry Davies are you watching????)

 

3. DEMAND COSTS!!!!! DO NOT LET THEM BULLY YOU!!! Its the only language these a***holes understand! Dont forget to add the costs of your attendance tomorrow too!

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lilly white

lilly white

Posted
Posted (edited)

TO YOU OF COURSE HOWEVER,I BELIVE THAT YOU KNOW WHAT TO DO. WHO ARE THESE PEOPLE.

 

 

In any event, it is denied that the Defendant has or ever has had liability to pay XXXXXXXX whomever that may be - any sum whatsoever.

 

KIND REGARDS LILLY

Edited by lilly white

 

 

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ODC

ODC

Posted
Posted
Thanks Guys - well fingers crossed for the AM :) - I will let you all know how it goes.....

You will be one in the Court who is smiling. The poor wretch from Crapquest is the one who will have to go back to the threat Centre and explain why they owe you money and that yet again CAG is much superior to the DCAs

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AngloIrishGuy

AngloIrishGuy

Posted
  • Author
Posted

CRIKEY.....THAT WAS NOT GOOD.

 

So, CapQuest DID send a someone along to represent them. We spent a total of 6 Mins in front of the Judge. Judge did not seem all that interested in discussing the case other than to say that he saw the dodgy bank statements and that I need to file a response to CapQuest's witness statement (I think thats what he said) and that it had better be something of substance or I would louse.

 

Next steps are by the 9th I respond in writing, CapQuest will then have several days to reply then another session but I did not need to attend that in person - is that right? apparently someone from the court will write to me with the details and next steps.

 

It all happened so fast - not feeling to good about this :(

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ODC

ODC

Posted
Posted

Step back and catch your breath.

 

You have more time to prepare a proper response to Crapquest now. They havent produced a CCA, the alleged debt is Statute Barred and the statements did not even refer to you.

 

All today was about was a Set Aside. You are no worse off now than you were before you went into Court. In fact I would say you are better off

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