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    • pop up on the MCOL website detailed on the claimform. [if mcol is not working return after the w/end or the next day if week time] .  register as an individual  note the long gateway number given  then log in .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform .  defend all  leave jurisdiction unticked  you DO NOT file a defence at this time  click thru to the end  confirm and exit MCOL. . .  get a CCA Request running to the claimant https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/  leave the £1PO blank and uncrossed . .  get a CPR 31:14 request running to the solicitors [if one is not listed send to the claimant] . . https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . . type your name ONLY no need to sign anything . you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]   …………..   yes I know thats 3 CCA requests sent but by golly will it make them squirm if they don't reply this time in your defence   
    • Hi,   We had a car at my sisters house on the driveway. It had no tax or MOT. We booked it into the MOT, and began driving to the pre-booked MOT. On the way, it was clear there was something wrong with the car above 40MPH, some knocking sounds and the engine went into limp mode. Half way through the journey, we diverted and drove to our garage instead, and then reported this to the MOT center.    We fixed the problems a week later (at our garage), booked the MOT again, literally drove up the road to make sure the problem was fixed, turned around, went back to the garage before heading back out for the MOT center less than an hour later where it had passed and then drove back to the garage.    We've since received a letter from the DVLA to say we have a £350 fine for having no tax on the vehicle. We don't know if this was from the initial attempt to go to the MOT, or if this was from a camera which happens to be near our garage on the second attempt. We've appealed, sending proof of the MOT's and have not heard anything for a week.    I just want to know if we actually did anything wrong? We didn't stop anywhere else or use the car for any other purpose.    Thanks!
    • I think it was from 18months ago.    You’ll probably think I’m fussing again but I’ve got a feeling they’ll take mine further due to the shear amount that is owed, I’ll be astounding if they don’t. 
    • as I said read the date of the thread many moons ago.   its not illegal either, debt is a civil matter not a criminal one.   dx  
    • Hi Andy   Thank you for the link, it was very helpful, appreciate it.    I was actually made to feel quite 'stupid' and felt as if i was wasting the forums time on this thread after DX's comments in post #38.      Please see attached the necessary documents, please do let me know if you require anything else, many thanks.   Files attached:  - Default Notice   - statement of Default Notice  - Reconstituted Agreement & T&Cs - 3 different sets   P.S - sorry about the quality of the T&Cs, the high quality files were too large and had to reduce them.   Thanks, Roland   Exhibit JK1.pdf
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Transferred for Enforcement? On Line Finance/MFS - interim CO

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Hi all,

just had a case transferred by MFS Portfolio from their local county court to mine for "Enforcement".

Does this mean that I should ready the land-mines in anticipation of the baillifs calling or does it mean something else?

Its regarding a charging order. Just spoke to my local court and they say its to finalise an interim charging order. Doesnt sound right to me but I could be wrong.

Have never responded to this ( my stupid fault) but now I am.

My court are sending me a response form and I will have to pay the £75 fee.

Is there anything I an do ie a CCA, to put these people to strict proof that this debt belongs to me or is that too late? If it is too late - is there anything else I can do?

Many thanks all.

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How has it got this far? Did you contest the original CCJ, have you been paying it or did you just ignore all the paperwork untill now (you won't be the first, or the last to bury their head in the hopw it would go away)?


What is the debt for?

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Hi count, thanks for the reply.

As I said above, yes I buried my head in the sand (bringing 3 kids up alone, nasty ex wife +divorce etc).

They say its for vehicle finance from a firm called On Line Finance from around 2002 - 2003 and the claim is for just over £2000.

I have never responded to this in any way.

But now its time I did. But I would like to know if its too late to do anything, but if not, what can I do?

Can I still ask them to prove the debt and if so, would this now be a different proceedure to follow?


Theres not a lot of info on here about fighting something like this when its gone this far so Im just trying to find out if Im already stuffed or do I still have a defence available?


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