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    • Few tweaks as the run order was completely messed up and the main point of your defence (reconstituted agreement) pushed to the bottom of the statement.   I, XXXXXX, being the Defendant in this case will state as follows; I make this Witness Statement in support of my defence in this claim and further to my set aside application dated 1 November 2022. 1.The claimants witness statement confirms that it mostly relies on hearsay evidence as confirmed by the drafts in person in the opening paragraph. It is my understanding they must serve notice to any hearsay evidence pursuant to CPR 33.2(1)(B) (notice of intention to rely on hearsay evidence) and Section 2 (1) (A) of the Civil Evidence Act. 2.  I understand that the claimant is an Assignee, a buyer of defunct or bad debts, which are bought on mass portfolios at a much reduced cost to the amount claimed and which the original creditors have already wrote off as a capital loss and claimed against taxable income as confirmed in the claimants witness statement exhibit by way of the Deed of Assignment. 3. As an assignee or creditor as defined in section 189 of the CCA this applies to this new requirement on assignment of rights.  This means that when an assignee purchases debts (or otherwise acquires rights under a credit agreement) it also acquires certain obligations to the borrower including the duty to comply with CCA requirements (such as the rules on statements and notices and other post-contractual information).  The assignee becomes the creditor under the agreement. This ensures that essential consumer protections under the CCA cannot be circumvented by assigning the debt to a third party. 4.  I became aware of original Judgement following a routine credit check on or around 14th September 2020. 5. The alleged letter of claim dated 7 January 2020 was served to a previous address which I moved out of in 2018, no effort was made to ascertain my correct address.  I have attached a copy of my tenancy agreement which is marked ‘Appendix 1’ and shows I was residing at a difference address as of 11 December 2018 and was therefore not at the service address at the time the proceedings were served.  I have also attached an email from my solicitors to the Claimants solicitors dated 14 July 2022 which was sent to them requesting that they disclose the trace of evidence they utilised prior to issuing the proceedings against me.  This is marked ‘Appendix 2’. The claimants solicitors did not provide me with these documents. 6. Under The Pre-Action Protocol for Debt Claims 2017 a Debt Buyer must undertake all reasonable enquiries to ensure the correct address of a debtor, this can be as simple as a credit file search. The Claimant failed to carry out such basic checks. Subsequently all letters prior to and including ,The Pre action Protocol letter of claim dated 7 January 2020 and the claim form dated 14th February 2020 were all served to a previous address which I moved out of in 2018. 7. Upon the discovery of the Judgement debt, I made immediate contact with the Court and the Claimant Solicitors, putting them on notice that I was making investigations in relation to the Judgement debt as it was not familiar to me.  I asked them to provide me with a copy of the original loan agreement but this was not provided to me.   The correspondence to the Claimant Solicitor's is attached and marked ‘Appendix 3’ 8. On (insert date) I successfully made application to set a side the judgment. The claim proceeded to allocation, 9. The claimant failed to comply with the additional directions ordered by District Judge Davis on the 2 February 2024 'The Claim shall be automatically struck out at 4pm on 3 April 2024 unless the Claimant delivers to the Court and to the Defendant the following documents.' None of these documents were received by the court nor the defendant by that date. (insert date you did receive the documents) I then sent a Data Subject Access Request to Barclays but no agreement was provided. Details the timeline of communication between myself and Barclays are attached and marked ‘Appendix 4’and the copies of correspondence between myself and Barclays are attached and marked ‘Appendix 5’. Remove irrelevant 10.The claimant relies upon and has exhibited a reconstituted version of the alleged agreement. It is again denied that I have ever entered into an agreement with Barclaycard on or around 2000.  It is admitted that I did hold other credit agreements with other creditors and as such should this be a debt that was assigned to Barclaycard from another brand therefore the reconstituted agreement disclosed is invalid being pre April 2007 and not legally enforceable pursuant to HHJ Judge Waksman in Carey v HSBC 2009 EWHC3417.  Details of this are attached and marked ‘Appendix 6’. The original credit agreement must be provided along with any reconstituted version on a modified credit agreement and must contain the names and address of debtor and creditor, agreement number and cancelation clause. 11. Therefore the claimant is put to strict proof to disclose a true executed legible agreement on which its claim relies upon and not mislead the court. 12. It is denied I have ever received a default Notice pursuant to sec 87(1) CCA1974.The claimant is put to strict proof to evidence from the original creditors internal document software the trigger of said notice.  13.   As per CPR 1.4(2)(a) the court encourages parties to cooperate with each other in the conduct of proceedings in order to try and save time and costs for the parties and to also save the time and resources of the court however, despite vast attempts at mediation the claimants have been most unreasonable and have remained unwilling to mediate. 14. Until such time the claimant can comply and disclose a true executed copy of the original assigned agreement they refer to within the particulars of this claim they are not entitled while the default continues, to enforce the agreement pursuant to section 78.6 (a) of the Credit Consumer Act 1974. I believe that the facts stated in this Witness Statement are true.  I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth. Signed                 ………………………………………………….. Name                  XXXX Date                     30 April 2024   Run 3 copies Court /Claimants Sol/File
    • As one of you mentioned above I've been in a mess for nearly 20 years now and I'm ready to sort my credit report out now - the main reason I got into second round of debt is my kids being unwell and the state considering them not unwell enough for extra help so despite my son being in hospital for 3 months in one year we got extra zero help and I eventually lost my job and got into debt to just so I can be تا my sons hospital bed at his time of need - my life basically fell apart and all these debts got me again 
    • Gosh mate I've woke up this morning with half the worry I had last night when going to sleep!.  I can't believe how much this forum has helped me over the years and I don't  have the words to explain the gratitude I feel towards you guys -  Now that I've slept on it I feel ready to reject this company and my plan is to make them an offer to accept payments to date as full and final settlement - I will I think write them a letter once my review is completed or maybe just send it now whilst they are reviewing explaining my kids are unwell for which reason I'm struggling to survive and if I can politely request for them to accept payment to date as a full and final - I'll mention I don't have any cash or anyone to borrow from to offer a full or even part amount of the remaining balance of the iva and therfore am unable to make a offer of payment.   If they agree to at least even put my offer to the creditors then I feel it's better I hang in there and that way I won't have to deal with any possibilities of more defaults and ccjs    Right now the only adverse effects on my credit report are the iva that is now 3 years old and 2 Ccj one coming of this July and one thus October.    But I am worried new action will begin and new defaults and Ccj may start to appear because I've paying into an agreement im under the impression the 6 year rules starts again so yes I have lost of mixed feelings about this but I'm not going to lie you guys have put some life back into my breath this week as for the last 3 years I've felt caged like an animal and this morning I feel freer I can't explain how much but certainly my soul feel lighter today thanks to yin because I'm now viewing this review totally different to I do yesterday thanks to you guys 
    • Court name UNKNOWN Case number ********** Amount N/A Confirmed by Insolvency Service Date issued May 2021 Type Voluntary Arrangement Notes If you have questions about voluntary arrangements you should speak to the Insolvency Service.     I started this in 2021. So it's been about 3 years I've been paying. 
    • Thanks @lookinforinfo@Nicky Boyi sent across the agreement earlier in this thread. No mention of financial reward to the MA. But, I wouldn't be surprised if it was done on the sly. As I said earlier, the owner of OPS is a convicted criminal, with a very shady reputation around these parts.
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JJP - sofa problem


jjp35
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Hi Guys

 

I am filling a Request For Judgement form. Bit confused about interest. The claim is about a faulty sofa.

 

I complained about this about a month after the purchase. The defendant has not responded to the claim.

 

I bought the sofa back in 2008. My question is Do I claim interest from 2008 (date of purchase) or from the date of Claim. Thanks

Edited by jjp35
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Hi JJP and welcome to CAG.

 

I've moved your post into your own thread to avoid hijacking. :)

 

You claim interest from the date of purchase. If you use one of the simple spreadsheets from the Bank Templates Library forum, it'll calc the int't for you when you enter the date of purchase. http://www.consumerforums.com/resources/templates-library/48-bank-templates.html

 

Then on the N1, you say, "Section 69 Statutory Interest will continue to accrue at the daily rate of £0.xxp per day until settlement is received.

 

If the sofa cost say £650, the daily interest will be

 

650 x 8% /365 or 650 x 0.00022 = 14p per day

 

Hope this helps. :)

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Hi Slick132,

 

Thank you very much for the reply and moving the post. Your advice is very helpful.

 

I have already submitted the N1 form in January 2010, on which I wrote

 

Claimant claims

1. The Sum Of £2745.00

2. The interest

3. The costs

 

I did not write about Section 69 statutory interest on the N1 Form. The defendant has not replied.

I phoned the court yesterday and they said as the defendant has not acknowledged the service or filed the defence, I can submit the form N205A Request for Judgement to the court.

 

 

The interest from Jan 2008 till now comes to nearly £460. Do you think court will allow this?

 

Regards

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You should have specified the amount of interest on the N1, but what's done is done.

 

What I think you should do now is send in a schedule with the form seeking Judgement as follows:-

 

------------------------------------------------------------------

 

NAME .....................JJP 35

Claim No ............1AB54321

 

Summary of amount claimed

 

Amounty of claim ...............2745.00

s.69 int't xx/01/08 to date ....260.00

Court Fees ..........................75.00

 

Total claim to xx/03/10 .....£3080.00

 

 

 

s.69 Interest will continue to accrue until payment is received at the rate of £0.60p per day.

 

------------------------------------------------------------------

 

Of course, substitute your own figs as necessary as mine are guesses.

 

In the absence of a defence, I hope the judge will agree to allow the int't but you can only try. :)

Edited by slick132
layout was pants !

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You should have specified the amount of interest on the N1, but what's done is done.

 

What I think you should do now is send in a schedule with the form seeking Judgement as follows:-

 

------------------------------------------------------------------

 

NAME .....................JJP 35

Claim No ............1AB54321

 

Summary of amount claimed

 

Amounty of claim ...............2745.00

s.69 int't xx/01/08 to date ....260.00

Court Fees ..........................75.00

 

Total claim to xx/03/10 .....£3080.00

 

 

 

s.69 Interest will continue to accrue until payment is received at the rate of £0.60p per day.

 

------------------------------------------------------------------

 

Of course, substitute your own figs as necessary as mine are guesses.

 

In the absence of a defence, I hope the judge will agree to allow the int't but you can only try. :)

 

 

Hi Slick132

 

Thanks for your advice,

 

I have now got Judgement (N30) from the court giving me full amount of claim and interest from the date of purchase.

 

In the notes for the defendant, it says the defendant can apply to the court office for the judgement to be set aside.

 

Could you please tell what I have to do next?

 

and

 

How long has the defendant got to apply to the court for judgement to be set aside?

 

Regards

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Glad to hear you have got Judgement against them. If they fail to pay within one month, the CCJ will remain on the Register against the sofa Co.

 

If they now apply for the judgement to be set aside, it will be for a judge to decide if that is reasonable. If it is set aside, a new hearing date should be set for the case to be heard.

 

There's info here on the HMCS site - Making a Claim

 

See our Site info here about how to go about getting paid:-

 

Judgement: How to Enforce

How to enforce a Judgement.

Judgement: How to get Paid

http://www.consumeractiongroup.co.uk...t-how-get.html

 

The court staff may also be willing to give you guidance but double check before you rely on what they say or advise.

 

:)

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