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    • Thank you BankFodder. I will do as you suggest to get everything in writing first and will construct the letter of claim over the weekend. Is it best to use the format for the letter of claim as the one on this website? Lastly, did I read the judgement correctly for the Farooq judgement as its not quite clear to me which act I am covered best by?
    • A letter of claim can't be served by email as per CPR 6.3 unless you've specifically told them. Also can't give you 7 days to pay, they've got to give at least 14 days. They know this, they're just hoping you wet yourself and cough up. This won't be going anywhere. IGNORE.
    • Good Morning, I received a speeding ticket last December, I had requested further information from the ticket office which they provided, I also sent back the form confirming i was the diver at the time, however, i had overlooked the signature at the bottom of the page, nobody from the ticket office got back in touch to mention this and i was trying to book a course with no luck, I got in touch with them and sent them a screenshot showing them I was unable to book the course, they came came back to me and said we have no documents to say you were the driver (they did they just failed to mention I never signed it) they re sent the form and it was over the 120 days, i had mentioned to them previously that the timeframe was coming up and they would need to extend this. They are now saying they have complied legally and i need to accept the 3 points, I am trying to plead my case and I am tempted to let this go to court and provide the evidence of my constant communication on the matter. has anyone got any experience with this? TIA.
    • Thank you. I'm looking into it at the moment.  Straight away it says last sold in 2007. Thank you every one for all your help. It's much appreciated. 
    • Just on bankfodder's final point above. The Title Register you get online for £3 can't legally be used as proof of ownership for the property. Right now they'll suffice to see if there's an asset there. Should you need to use it in court to say he's trading at that address, you'll need to fill out an OC1 form with HM Land Registry to get an official copy in the post, which costs £7.00. Make sure that you get the Title Register, not the Title Plan! Title Register will tell you who owns the property etc while the Title Plan will tell you the property boundaries etc which isn't relevant in this case.  
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Phoenix/Carter Claimform - old GUS Shop Direct Cat Debt - returned faulty TV .**CLAIM DISMISSED**


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Cover your back...Short letter thanking them for the cheque and insisting, before you cash it and confirm their suggestion, the blance of the alleged account be returned to zero and a statement confirming same to be supplied, all trace of default be removed from your CRFs, all three. :)

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Thank you babybear.

It makes sense.

t present there is no mention of that in my credit score, but since they threatened to earlier this year I have to make sure that is so.

They must know there is no debt, otherwise why wait five years?

I will keep you posted.

The whole thing has made me very tired indeed.

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You can still go to court with this, and I'm sure they would either discontinue or you would win. If you made a further representation to Carter - ie. your version of a consent order, asking for £1,000 and a statement that the account will not be sold on, and that they acknowledge no debt ever existed - and it was refused, then they would be in trouble.

 

The choice is yours. You have a strong case. Personally I would ask them for £1,500, which is half of your counterclaim, plus the other conditions. They do not have a leg to stand on.

 

The issue for you, EMT, is the stress factor. If you want us to draft your version of the consent order, let us know.

 

Do not trust Carter one little bit. He is backpedalling at top speed.

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Dear DonkeyB

I would very much like you to draft a letter for me along those lines. Yes, I am stressed, but at the same time I have come this far. I told them when I received the summons that there was no debt, yet they have persisted.

I remember reading somewhere, long ago, that if you contest a bill, write to the firm, enclosing a cheque for final settlement of on account and they accept the cheque and pay it in, that is final. Is this still correct?

I am not sure whether I should say here, but I was told on good authority last December, that BC saying they will withdraw does not mean they will not bring an action again! The writer of that email was well qualified to know.

That was why I joined your site, and very glad I was to do so.

I have always kept records of things for much longer than the recommended five years.

This has stood me in good stead over the years.

I wrote to Mary Kelly of BC explaining that I had made a final payment in 2006 which was accepted, and that I will no acknowledge that there is a debt.

Her reply is very untrue.

None of it is correct, and I cannot understand it.

I believe it is a deliberate attempt to cause more harassment.

It is by email attachment in the form of a pdf.

I would like to forward it to someone, if it is possible for you to allow me access to an email address.

  • Haha 1
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Sent you a private message (PM) with an email address.

Well, well, a real, genuine, completely useless witness statement from Bryan Carter & Co!

And what a lot of tripe it is!

Will liaise with EMT and get the info here asap.

Edit: EMT,

I've emailed the WS to another trusted source who hopefully can pop in and give some input.

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Dear DonkeyB,

What I don't understand is what happens to this latest from them?

I have until 9 June.

They have increased the amount, despite the Court extension of time.

Can they do that?

I am not refusing to pay because I cannot, but because I returned the faulty item.

They have never asked me for paperwork copies or details of the accounts.

All the paperwork in connection with this is listed on the Allocation Questionnaire.

The instructions from the court are not to enclose them with the form, so I did not, and this woman has never asked for them, as she says in the Witness, nor have I ever denied having ordered the item.

Can she make me send copies of my bank accounts and credit card statements?

Those things are private.

I have never requested a breakdown of items.

Why would I?

The sum was for one item ,£1,999.99 and if I have to pay it I should have a new TV.

There is only one purchase involved, and as I told her, I settled the account to nil in 2006 after deducting the item which they did not take off the account.

I have never denied that I have statements, as I said above.

I cannot understand why they should say these things.

Anyone would think I had not listed them, back to Nov/Dec when they sent the claim and it was moved to my local court.

Are they acting lawfully?

Should they not have raised this before now?

If I had kept the cheque and cancelled my counterclaim, could they have started the whole thing over again bringing up my recognition of the contested debt?

If it is possible, then they are making fools of the law.

I have no knowledge of this woman apart from that posted earlier in the year.

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EMT is a redoubtable old bean and is an LiP. I was wondering about seeing if we had a litigation/court friend in the Oxford area.

 

I'm just topping off EMT's statements. Carter has tried to discontinue with a consent order which is unsatisfactory, and their late WS is laughable. Will post it all up afterwards. You will need a handkerchief to stem the tears of laughter.

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I'm tight on time - it will be a taxi! Still not heard from EMT...

 

You may need to be quite persuasive with the taxi driver as they can be reluctant to go from the station to St Aldates. There's a large pedestriansied area in the way. Not sure about busses but I know what nos 1 and 5 stop near there.

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