Jump to content


  • Tweets

  • Posts

    • You typed it in? actually typed it all out? if so, maybe you took too long or something, like session timed out. Does the status show defence filed or no change?
    • Hi just typed all defence clicked next and it's deleted all. Any help
    • I forgot to say, there is one last possibility and that is that they will receive your letter of rejection and simply fold, accept the rejection and refund you. Don't wait too long for this. Seven days maximum – but in that seven days you could send your letter of claim anyway and when that you don't hear from them or when they start mucking around at least you are seven days closer to beginning the legal action – and they will know it (which is the important thing).
    • Okay that is excellent that you have an email between the garage and the warranty company confirming that there is a serious problem with the gearbox. That is very powerful evidence. I think the situation is this: you have sent them a letter of rejection but the reputation of big motoring world is that they won't take a lot of notice and they will try to prevaricate and maybe even blame you. Clearly you don't want the car any more and anyway it sounds as if the cost of repairs is going to be enormous. You don't know if the warranty company is going to step up to the mark but the whole thing is going to take a long time and I understand that you have lost confidence in big motoring world because of this event and also their reputation which you are now discovering on Facebook and on this forum and no doubt elsewhere. On the basis that you don't want the car any more and you want your money back, you need to hurry things along. I think the first thing is that you need to decide if you are prepared to bring a claim in the County Court. Even without the warranty money, the claim is worth more than £10,000. For actions less than £10,000, you bring a "small claim" and this means that even if you lose the case you won't be liable for the other side's costs. If you win the case then not only will you get your money plus interest but also you will recover all of the costs of the action. For actions more than £10,000, you go to something called the "fast track" and in the event that you lose the case, then you could be liable to reimburse the winner some of the costs. This means that in addition to not recovering your own money, you would lose your own court fees and also you would have to to bear the costs of the other side probably something less than £5000 – but as a rough guess. If you bring your court claim then your chances of success are almost 100%. Frankly if you brought a court claim then I can imagine that big motoring world will put their hands up and pay you out rather than face go to court and losing and getting a judgement against them. However, it you need to consider that this is a risk factor – although my view it is a negligible risk factor. If you did bring a court case, it wouldn't be instant. If they put their hands up then it would probably happen very quickly. If they didn't put their hands up then you could take anything up to a year for the matter to be resolved and during that time you would be without your car and without your money and in the middle of litigation. I'm explaining this to you say that you understand how it works. Bring a court case would be really the last resort when everything else has failed. However, I'm quite certain that you would win and it would be stupid of big motoring world to try to resist. In order to bring a court case you would have to send a letter of claim giving them 14 days to accept rejection and organise the refund otherwise you would begin the claim. Don't imagine that you could bluff this. If you did send a letter of claim then you would have to go through with it otherwise you lose all credibility and you might as well pack up and go home. So with this in mind, here are possible courses of action you could take. You can simply wait and see what their reaction to your letter of rejection will be. However they may not reply or else they may find some other reason to delay and of course during that time you will be without your car and without your money blah blah blah, not knowing if big motoring world were going eventually to start acting sensibly and respectfully towards you. The second thing you can do – and I think this has been suggested on Facebook – is that you can go along there and simply make yourself present and talk to other customers and generally speaking make a nuisance of yourself and embarrass them to the point where you would be explaining to other potential customers to be careful, to look on Facebook, and to do some careful research before they put their business to big motoring world. This has a reasonable chance of success although you would have to be careful. You should go accompanied by a friend and there should be no anger, no arguments, nothing that could be considered as being overly aggressive so that big motoring world would have no justification in kicking you out or even worse, calling the police. If you did this, then I would suggest that you record everything on the telephone carried in a pocket. A fully charged battery will probably keep a voice recorder and a telephone going for more than 20 hours or 30 hours. The other person can video any incidents so that everything is clear and you can inform big motoring world then it will be going up on the Internet. If you did this, my favourite option would be to issue the letter of claim giving them 14 days, and then going along to big motoring world with a copy of your letter of rejection and a copy of the exchange between the mechanic and the warranty company and a copy of your letter of claim – all settled together – and probably about 20 or 30 copies in all and I would start handing them out to any customers who came in. Big motoring world will soon get the picture and they will either move your the premises in which case you stand outside and carry on doing it or they will finally give in. Of course there is a chance that they won't give in and they will simply call your bluff – but in that case I think you have no choice other than to follow through with your 14 day threat in the letter of claim and to begin the legal action. At the same time you should be putting up reviews on Google and also trust pilot explaining exactly what has happened and also explaining that the mechanic has confirmed to the warranty company that there is the serious problem, that you have asserted the right to reject and that this is been ignored by big motoring world and that you have now sent a letter of claim and that you will be starting a legal action in 14 days. Once again, don't bluff about the legal action. If you threaten it – then you must mean it – and on day 15 you click of the claim. You don't need a solicitor for any of this. It's all fairly straightforward and of course we will help you all the way that it the decision is yours to make and I think you need to make it fairly quickly. I think the cost of starting an action for about £13,000 is 5% and then also if it goes to trial which I would say is almost impossible – there would be an additional fee. You would claim interest at 8%. A judge might award a lower figure but frankly if you can show that big motoring world is attempting to ride roughshod over your very clear statutory consumer rights, I can imagine that the judge will want to show displeasure by awarding the full 8% which is a pretty good rate – even though it's not compensation for the hassle and the distress you are going through. If you decide to get solicitor, then if you win the case, because it is over £10,000 you will recover some of your costs but you won't recover all of them. If the solicitor begins by having exchanges of letters then I doubt whether you will be up to recover the cost of those and you could easily find that you're chalking up 500 quid or even a thousand simply on initial exchanges of correspondence. Also you need to bear in mind that if after having exchanges with a solicitor, big motoring world cave in – then you definitely won't get those costs back because you won't have gone to court and therefore a judge will not have made the order for payment of those costs. I suggest very strongly that you avoid paying any money for a solicitor and that you do it yourself. It's not a big deal – although you will have to you react quickly to the help we offer on this forum. Also, an additional benefit is that you will learn a lot and you will gain confidence and eventually you will feel good about suing anybody else who gets in your way. Nothing not to like! If you do decide to instruct a solicitor then you must take control of the solicitor. Most of them prefer to sit in an office writing letters on the clock. If you do decide to instruct a solicitor then you must instruct the solicitor very firmly that they should send one letter of complaint giving seven days. A second letter – a letter of claim giving 14 days and that they must then begin the action. If you don't do this. If you don't take control then it will simply cost you money, you will be without your car even longer and of course without your money. The whole thing is a nightmare. I think I've laid out the options but please do ask questions. I hope you can see that this is the kind of advice that you won't be getting on Facebook. Nothing against Facebook. It's good as a meeting place and to make people realise that they aren't on their own – but after that the advice given is weak and confusing.  
    • What makes you say that?  I have no idea how I would go about that or why they would even entertain discussions now that they've won the Court case
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

1st Credit & LCS Battle - court papers received - help


newman
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4368 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

Recommended Posts

Any charge of '' failing to produce'' the CCA I think would have no merit in front of a judge,

this offence no longer being on the statute.

Selling or assigning a debt whilst in dispute, well you can report this to the OFT, however

1st Credit, Connaught, LCS Solicitors are very good at ensuring that Final Response Letters

are sent so again I believe such a ''charge'' would fail.

As to the interest it does depend on the contract if they can or cannot charge.

 

Thanks Brigadier

Technically 1st Crud havent sold or assigned the debt as LCS & Connaughts are all one and the same thing. Citi financial are the only ones who sent a final response and I havent had one of thoise from 1st Crud.

 

What was in dispute was thwe fact that Citi FInancial assigned my account to 1st Crud in the first place without even giving me a default notice. On one of the forums (I can remeber if it is this one as I have been looking at so much stuff) I recall someone posting that a customer needs to be warned that their account is going to be defaulted to give them time to rectify the situation. In my case this never happened and !st credit even stated that they thoiught this was irrelevant and asked me to state why I believed it was!

Link to post
Share on other sites

  • Replies 808
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

In that case you should take the OC to task on that.

 

The Way 1st credit work is to task Connaught to collect when initial approaches b1s fail to produce a result.

I think that you need to raise a formal complaint with all parties to provoke a final response after which you can go to FOS.

The Default notice explains to a debtor what action is needed to remedy the default,failure to make such remedy

invokes the default.

I get the impression that this is a ''simple'' assignment for 1st to collect on the OC's behalf from the details you have given so a simple notice of assignment

should have been issued by the OC, 1st credit or both.

Is their a default on your credit file?

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

In that case you should take the OC to task on that.

 

The Way 1st credit work is to task Connaught to collect when initial approaches b1s fail to produce a result.

I think that you need to raise a formal complaint with all parties to provoke a final response after which you can go to FOS.

The Default notice explains to a debtor what action is needed to remedy the default,failure to make such remedy

invokes the default.

I get the impression that this is a ''simple'' assignment for 1st to collect on the OC's behalf from the details you have given so a simple notice of assignment

should have been issued by the OC, 1st credit or both.

Is their a default on your credit file?

 

Well the original notice of assignment came from Citi Financial to which I immediately made a formal complaint and got the FOS involved. I then received a letter a week later from 1st Credit informing me that my account had been assigned to them.

 

I havent checked my credit file for a while but I will have a look to see if there is a default on there and report back.

 

I have just sent a letter to 1st Credit and have sent connaughts and J&P a copy too. I havent made reference to the claim form but have offered them a conditional agreement. My reasoning for this approach is that from what I understand, if I am not contending the fact that I owe them the money but am accepting full liability providing they can provide me with the proof, then this means there is no controvesy upon which a court could adjuicate.

 

I will post my letter up in a while.

 

I also intend to make formal complaints now to as many bodies as I can. - I am spitting feathers now as they say.

Link to post
Share on other sites

I have just checked the last credit report I had which shows that my account was in fact defaulted on the 31-05-07 and I wasnt informed by Citi that they had assigned my account to 1st Crud until 11/06/07. I was never informed by Citi or 1st Credit that a default was going to be registered on my account. - I am wondering if I can use this in any defence I put together

 

1ST CREDIT LIMITED Unsecured loan

Default £6,727

Name: MR xxxxxxxxx xxxxxxxx

Address: xxxxxxxxxxxxxxxxxxxxxxxxxx

Date of birth: xx/xx/xx

Company name: 1ST CREDIT LIMITED

Account type: Unsecured loan (personal loans etc)

Default Balance: £6,727

Current Balance: £6,727

Defaulted On: 31/05/2007

File Updated for the Period to: 23/12/2007

 

 

A defaulted account is removed from your report after six years

whether or not you have paid the debt in full. If you have paid

some of the debt off, the balance should show how much you still

owe.

Link to post
Share on other sites

You can certainly state the fact you did not receive the DN an there for you were

unable to remedy the default within the required time limit.

That really all you can say,apart from putting the to strict proof of delivery of the DN.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

You can certainly state the fact you did not receive the DN an there for you were

unable to remedy the default within the required time limit.

That really all you can say,apart from putting the to strict proof of delivery of the DN.

 

Thats a great start as you are quite right in that I had no opportunity to remedy the default. One of the 1st Cruds staff that I talked to actually admitted to me on the phone that he had no record on his system of any default notice being sent out to me.

 

Citi actually wrote to me in 2008 and stated "we are under no obligation to comply with your request for a copy of your agreement under the Consumer Credit Act as we no longer have a contractual relationship with you, nor are we seeking to enforce any agreement against you. Your right ot be provided with this information from Citi Financial ended with the assignement of your debt to 1st Credit Limited"

 

I am assuming that if this went to court the fact that the default was issued on the same day as they assigned the account means they would have to provide an answer for this - or would they jusyt pass the buck to 1st Credit. I ask because my credit file shows the default as being with 1st Credit.

 

I intend to put them on strict proof of the delivery of the DN when and if it ever gets to court.

Link to post
Share on other sites

It is also interesting to note that in all of the letters I wrote to Citi asking them to tell me why I was not informed that a default was going to be put on my file, I never received any answers to this qurestion.

 

Another question Brigadier.

 

In a letter I wrote to 1st Credit in Nov 2007 (which I gleaned the information from this forum) I wrote that because they had not provided me with a copy of the agreement that this negated any Notcie of Default being served on me as required by the CCA 1974 and that if documentation were to be produced, they would be aware that a default notice serves to cancel any original terms and conditions and as such cancelled any right that they or the original creditor miught have, implied or otherwise to share my information without my consent.

 

DO you know if this is still true?

Edited by newman
Link to post
Share on other sites

To your other questions i really think that line will muddy the waters stick to what obvious

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

what absolute poppy crap......

 

citi are very well know for doing this

they prob dont have the paperwork as with 99% of citi stuff

 

lots of threads about this on here.

 

when was YOUR last financial transaction please.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

what absolute poppy crap......

 

citi are very well know for doing this

they prob dont have the paperwork as with 99% of citi stuff

 

lots of threads about this on here.

 

when was YOUR last financial transaction please.

 

dx

 

Thanks DX

 

THe last payment I made to Citi was 05/11/07 even though they had sold the debt to 1st Crud we still made the payment to Citi. We did inform 1st Crud that as the account was in dispute we would not make payments to them but continue to make them to Citi.

Link to post
Share on other sites

Well I have to say that the old adage "seek and ye shall find" is certainly true when it comes to this site.

 

I decided to spend the last few hours doing more research and I came across THIS thread which is almost a mirror image of mine.

 

I have now got 19 pages on a word document for which to use for letters and to put together my defence if I ever need it - so huge thanks to the site team and to Enron & IJHP for their fantastic input, suggestions and letters.

 

Huge thanks also to everyone who has helped me to date on this thread - the battle continues.

 

I will post my letter sent yesterday in a separate post but I just wanted to say a huge thanks to all who make this site possible - when I have some spare cash I will make a donation that is a promise.

Edited by newman
Link to post
Share on other sites

what absolute poppy crap......

 

citi are very well know for doing this

they prob dont have the paperwork as with 99% of citi stuff

 

lots of threads about this on here.

 

when was YOUR last financial transaction please.

 

dx

 

DX - Thanks very much for your comment and it has taken me a good few hours to trawl through other threads on this site so no work done today, however, what I have found is pure gold and I hope will keep me pon the straight and narrow as things progress with this case.

 

I have sent a letter off to 1st Credit, J&P & Connaiughts yesterday so that they all have a copy of it. I have pasted it here and I am hoping that by offering them conditional agreement they wont be so stupid as to keep this going on to court. If they do then I have as a back up all of the CPR letters, embarrassed defences, no / Incorrect DN statements and all of the other good stuff that is contained primarily in IJHP's post.

 

Copy of my letter

Non-Negotiable

© xxxxxx: xxxx Authorised Representative for

XXXXXXX™ and all derivatives thereof.

C/o Address

Mr Gavin Flynn, Head of Collections, 1st Credit, PO Box 278, Reigate, RH2, 7WB

 

27/06/2011

 

Dear Mr Flynn

 

RE 1st Credit Limited Ref No xxxx; Connaught Collections &Judge & Priestly Ref No xxxxx

 

I have received two letters recently from Judge and Priestly Solicitors dated: 13/05.2011 & 03/05/2011

 

I feel this matter is very serious and I wish to deal with it in writing.

 

I have, on several occasions in the past requested that all correspondence relating to this matter be dealt with in writing, however, your company and those associated with you, namely Connaught Collections; seem to feel that it is acceptable to totally ignore this. Recently I have received several phone calls from Connaught Collections who are a trading style of your company and despite requesting that they cease calling me and remove my telephone number from their/your database, they have chosen to totally ignore my reasonable requests, and have continued to harass me by continuing to call me to discuss this matter. On the 24/06/2011 a representative from Connaught Collections called me twice and refused outright to remove my details from their records. He also refused to give me his name.

 

I log the dates and times of all calls/messages and these calls now constitute ‘harassment’. Because of this harassment, I intend to take action under Section 1 of the Protection from Harassment Act 1997 and Administration of Justice Act 1970 S.40, which makes it a Criminal Offence for a creditor or a creditor's agent to make demands (for money), which are aimed at causing 'alarm, distress or humiliation', because of their frequency or manner, which they have now succeeded in doing.

 

To reiterate, I do not give you, Connaught Collections, Judge & Priestly Solicitors, LCS Solicitors or any other company you may trade as, or who are a trading style of your company, or whom you may request to assist you in relation to this matter, permission to contact me by telephone.

 

Please read the following thoroughly and very carefully before responding. The reason why you need to read very carefully is simple. I am offering your company conditional agreement. This removes controversy, and means that you no longer have any ultimate recourse to a court of law in this matter, because there is no controversy upon which it could adjudicate. You always have the option of dragging these conditions into a court of law only to be told that they are, indeed, perfectly lawful. That is, of course, always your prerogative should you decide to waste your time.

 

For this reason it is important that you carefully consider this notice and respond in substance, which means actually addressing the points raised herein. The 'nearest official form' will not suffice, and consequently is likely to be ignored by myself without any dishonour on my part.

 

On the other hand there is a time-limit on the agreement being offered. It is reasonable, and if it runs out then you and all associated parties are in default, removing any and all lawful excuse on your part for proceeding

in this matter.

 

In the matter of the request for my payment of £6,727.12, I would be very happy to settle any financial obligation I might lawfully owe as soon as I have received the following documentation from you:

 

1 Verification of your claim against me (a sworn affidavit or a hand signed invoice in accordance Bills of Exchange Act (1882) );

2 A Copy of a lawful contract signed by both parties and therefore binding both parties.

3 Validation of the debt (the actual accounting)

 

I hereby give you ten (10) days from the above date to reply to this notice. Your said failure to provide the aforementioned documentation will constitute your agreement to the following terms:

 

1 That you are a third party interloper;

2 You have no legal standing; no first-hand knowledge of this matter;

3 Your claim is fraudulent;

4 Any damages I suffer you will be held culpable;

5 You agree to pay all fee schedules;

6 That any negative remarks made to a credit reference agency will be removed

7 That you will no longer pursue this matter any further

 

Should you provide sufficient evidence that I owe your organisation or your client any outstanding amount and that you can provide proof that they have assigned you agency, I should be happy to pay any verified claim in full.

 

NB This is not a complaint or a query or a request for a statement / agreement and is not to be treated as one. Do not refer to me as Mr or any Title, which is a legal fiction and is not me. You may only use my name when sending payment.

Yours sincerely

By: Sovereign © First name : Last Name

Authorised Representative

All Rights Reserved. Errors & Omissions Excepted

 

CC: Judge & Priestly, Justin House, 6 West Street, Bromley, Kent, BR1 1JN

Connaught Collections, The Omnibus Building, Lesbourne Road, Reigate, RH2 7JP

 

WITHOUT PREJUDICE – WITHOUT RECOURSE – NON-ASSUMPSIT

 

Without any admission of any liability whatsoever, and with all Natural, Inalienable, Rights reserved.

 

Please address all future correspondence in the matter to a direct Human Self, namely First Name : of the family, as commonly called last name

Link to post
Share on other sites

before someone else comes on with some detailed advice..first thing is not too panic...what they are hoping is that you will not defend the claim...so the first thing you are gonna need to do..especially as you are disputing the amount and the agreement, is to send in the form that you are going to defend the claim...then you need to get the letter off to them to get all the paperwork that they intend to rely on in court..

Link to post
Share on other sites

before someone else comes on with some detailed advice..first thing is not too panic...what they are hoping is that you will not defend the claim...so the first thing you are gonna need to do..especially as you are disputing the amount and the agreement, is to send in the form that you are going to defend the claim...then you need to get the letter off to them to get all the paperwork that they intend to rely on in court..

 

Hi debt4get

When I received the claim form the very first thing I did was to go online and complete the AOS and absolutely ticked the " I intend to defend all of this claim" box.

 

The next thing I did was prepare the letter I have pasted above and have sent that off yesterday RD to all & sundry. This is an approach a friend of mine has used with a lot of success and it involves, firstly accepting conditionally the amount stated and then if the DCA/Creditor dont come up with the information requested then by default the DCA/creditor is into a a tacit agreement with you. It takes about 30 days to get hem into a tacit agreement so with a CPR15:5 extension, I have plenty of time to prepare a defence if I need it.

 

I am going to use this strategy in tandem with the CPR route too. I am going to request an extension under CPR 15:5 and then a N244 if they refuse. I am also going to CPR 31:14 and then also a CPR 18 if necessary

 

Having now spent numerous hours on this forum and with 19 pages of information gleaned, i think I have an idea of the way forward. I really like some of the suggestions by silly girl1 and Pt2537 in http://www.consumeractiongroup.co.uk/forum/showthread.php?283443-Embarrassed-Defences-and-the-problems-with-them./page3 thread. I am not going to enter an ED but the advice there is priceless and I agree totally with Silly girl to keep it simple and direct.

 

I am dealing with an absolute bunch of muppets at 1st Crud and I am now treating them as professionally as I can but with the contempt they absolutely deserve.

 

I have had to put up with a lot of crap from this bunch and I feel it is time to fight back as they are now trying what I hope is their last ditch attempt to get me to roll over!!

 

 

GRRRRRRR (Teeth showing)

Link to post
Share on other sites

#### Update ######

 

Well my letters have all arrived safely and have all been signed for. Interestingly the letter that arrived at the J&P office had an illegible signature and the name of the person that signed it was J+P!!!

 

Also very interestingly both my letters to Connaughts and 1st Crud were signed at the same time on the same morning by the same person!!! Well they do make it clear on their letters that Connaughts are only a trading style of 1st Crud!

 

So now they have arrived I am going to also put part two into action and request an extension under CPR15:5

 

Also just about to speak with OFT & trading standards about the way Connaughts have been harrasing me despite several very clear written requests that I do not wish to deal with this on the phone.

 

Oh the joy of life dealing with low lifes!!

 

Well come on Andy Murray thats all I can say today.

Edited by newman
Link to post
Share on other sites

##### Update - Help required Please #####

 

Well this is an interesting turn of events.

 

A letter has arrived from Connaught collections today (very quick response) and I would appreciate advice/help/suggestions as to how to respond to this / or if I should respond at all. It is very short so I will type it here word for word exactly as it has come in. I have also pasted my letter to them as i didnt put it above.

 

I only copied Connaughts so that I had covered all bases as it was Gavin Flynn Head of Collections 1st Credit that my 1st letter was addressed to and I wrote in big CAPS in PEN; COPY on the letter that went to Connaiughts so that they could see what I had sent to 1st Crud (even though they are one and the same thing!).

 

Your thoughts are most welcomed.

 

-0-0-0-0-0-0-0-0-0-0-0-0-0-0-0-0-0-

 

Connaught Collections Their address

 

Soveriegn (thats their incorrect spelling) © Wxxxxxx : Sxxxx

C/o Then my address as I put it on my letter

 

Date 28 June 2011

 

Dear Sir / Madam,

 

Thank you for your recent undated Letter (they are right - in my letter to them I forgot the date !!!)

 

Please note that we have received no signed authority for you to act on behalf of Mr Wxxxxxx Sxxxxx and as such we disregard your letter in its entirety.

 

Yours faithfully,

 

Connaught Collections..

 

-0-0-0-0-0-0-0-0-0-0-0-0-0-0-00

 

What I sent to them was a very short letter and a copy of the original to 1st Credit which I posted above.

 

My letter addressed to them was as follows -

 

©Wxxxxxx : Sxxxxx Authorised Representative for

WXXXXXX SXXXXX (LEGAL FICTION NAME ™ and all derivatives thereof.

My Address in full

 

Connaught Collections, The Omnibus Building, Lesbourne Road, Reigate, RH2 7JP

To Whom it may concern

Connaught Collections Ref No 3637318

 

I am writing in response to two letters from your Judge & Priestly Solicitors dated 13/05.2011 & 03/05/201.

I have, as requested in those letters, written directly to 1st Credit and have attached a copy of the letter I sent to them.

 

Yours faithfully

By: Sovereign © First name : Family Name

Authorised Representative

All Rights Reserved. Errors & Omissions Excepted

WITHOUT PREJUDICE – WITHOUT RECOURSE – NON-ASSUMPSIT

Without any admission of any liability whatsoever, and with all Natural, Inalienable, Rights reserved.

 

Please address all future correspondence in the matter to a direct Human Self, namely First Name : of the family, as commonly called Sxxxxx.

Link to post
Share on other sites

So they havent received signed authority from me that I am giving myself permission to act on my behalf - thats circular logic in the extreme I think!!

 

I am just going to ignore these muppets and carry on. I only wrote to Connaughts so that they had a copy of what I sent to Mr Flynn!!

 

CPR 15: 5 here we come.

Link to post
Share on other sites

It beggers belief how stupid they can be.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

###### ADVICE PLEASE #######

 

Guys can you give me some further guidance please?

 

Now that I have received the Claim from I need to write under CPR but I am not sure who to send the letters of request to - is it to the claimant or the solicitors?

Firstly I want to ask for an extension of time under CPR 15:5 and I also need to request information under CPR 18 as they havent referred to any documentation in the POC.

Link to post
Share on other sites

Hi Newman, Can you post up the POC it will be easier for thr guys to advise?

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Hi Brigadier

I posted up the POC in post #140 but here it is again word for word

 

The claimant claims the sum of 8,898.97 for debt and interest. The defendant was indebted to Citifinancial Europe PLC for credit advanced. The debt was assigned to the claimant. Notice of assignement was given to the defendant.

AND THE CLAIMANT CLAIMS

1 The sum of 6.727.12

2 Statutory interest pursuant to section 69 of the county Court Act 1984 at a rate of 8.00% per annum from 08/06/07 to 20/6/11 2,171.85 & thereafter at a daily rate of 1.47 until judgment or sooner payment

 

IF YOU WISH TO SPEAK TO US REGARDING THIS CLAIM THEN PLEASE CALL 0208 7370

*schedule script

 

I had originally drafted out a CPR 18 but on reflection as the CPR 18 is for information purposes only I feel it will be better to go straight for a CPR31:14 which only gives them 7 days to respond and also request an extension of time under CPR 15:5 at the same time. I do understand that the CPR 31:14 requests can be made when a claimant discloses a document by mention of it and as they have made mention of the assignement I cant see why I would be unable to as for all of the documents they are going to rely on in court.

 

So to summarise - the claimiant is 1st Crud and their solicitors are J&P.

Link to post
Share on other sites

Ok after a further read of a number of other threads I have drafted out this letter (CPR18) requesting further information from them as they have only actually mentioned the notice of assignment in their POC. When and if they respond to this letter I will then request the documents under CPR31:14 & 31:15. I will also request a CPR 15:5 at that time too.

 

Any other thoughts from the site team if there is anything I have missed?

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4368 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

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...