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    • It seems the solicitor has got your case listed for this “appeal” but not for the Stat Dec(SD). You need to ensure you can perform your SD on the day. If you are able to make your SD in court, the situation you are in now is more straightforward than if you made your SD via a solicitor. You have been convicted of two offences (and two were dropped) via proceedings of which you were not aware. The way to remedy that is to perform an SD. No appeal is necessary (nor is it available via the magistrates’ court). If you are able to make your SD this is how I see it panning out: You will make your SD to the court. The court must allow you to make it as it will have been made within 21 days of you discovering your convictions. You will then be asked to enter pleas to the four charges again. At this point you should plead not guilty to all four but make the court aware that you will plead guilty to the speeding charges on the condition that the FtP charges are dropped. The prosecutor will be asked whether or not this is agreed. In my opinion the overwhelming likelihood is that it will be. If it is you will be sentenced for the two speeding offences under the normal guidelines. In the unlikely event it is not accepted,  the speeding charges will be withdrawn (they have no evidence you were driving). You have no viable defence to the FtP charges and so should plead guilty. This will mean 12 points and a “totting up” ban (as you have already suffered). You can present an “Exceptional Hardship” argument to try to avoid this (explained below).   Because of this, I don’t see any need to make an argument to ask to have any ban suspended (pending an appeal to the Crown Court) unless and until you are banned again. The only reason I can think the solicitor suggested this is to secure a (Magistrates')  court date. I was surprised when you said you had an appointment so quickly; a date for an SD usually takes longer than that. However, if you can use it to your advantage, all well and good. I can’t comment on the argument that the two speeding offences were committed “on the same occasion” as I don’t have the details. That phrase is not defined anywhere and is a matter for the court to decide. It’s an interesting thought (and only that) that such an argument could equally be made for the two FtP offences. If the requests for driver’s details arrived at your old address at the same time, with the same deadline for reply, it could be argued that you failed to respond to hem both “on the same occasion” (i.e when the 28 days to respond expired) and so should only receive penalty points for one. Hopefully you won’t need to go there. I think you have information about avoiding a “totting up” ban. But here’s the magistrates’ latest guidance on "Exceptional Hardship" (EH) which they refer to: When considering whether there are grounds to reduce or avoid a totting up disqualification the court should have regard to the following: It is for the offender to prove to the civil standard of proof that such grounds exist. Other than very exceptionally, this will require evidence from the offender, and where such evidence is given, it must be sworn. Where it is asserted that hardship would be caused, the court must be satisfied that it is not merely inconvenience, or hardship, but exceptional hardship for which the court must have evidence; Almost every disqualification entails hardship for the person disqualified and their immediate family. This is part of the deterrent objective of the provisions combined with the preventative effect of the order not to drive. If a motorist continues to offend after becoming aware of the risk to their licence of further penalty points, the court can take this circumstance into account. Courts should be cautious before accepting assertions of exceptional hardship without evidence that alternatives (including alternative means of transport) for avoiding exceptional hardship are not viable; Loss of employment will be an inevitable consequence of a driving ban for many people. Evidence that loss of employment would follow from disqualification is not in itself sufficient to demonstrate exceptional hardship; whether or not it does will depend on the circumstances of the offender and the consequences of that loss of employment on the offender and/or others. I must say, I still do not understand what the solicitor means by “As a safeguard we have lodged the appeal and applied to suspend your ban pending appeal due to the time limit for being able to automatically appeal without getting leave of the Judge.” When they speak of “leave of the judge” I assume they mean they have lodged an appeal with the Crown Court. I don’t know what for or why they would do this. It seems to follow on from their explanation of the “totting up” ban. If so, I’m surprised that the Crown Court has accepted an appeal against something that has not yet happened. But as I said, i is no clear to me. Only you can decide whether to employ your solicitor to represent you in court. If it was me I would not because there is nothing he can say that you cannot say yourself. However, I am fairly knowledgeable of the process and confident I can deal with it. That said, I do have a feeling that the solicitor is somewhat “over egging the pudding” by introducing such things as appeals to the Crown Court which, in all honesty, you can deal with if they are required. I can only say that the process you will attempt to employ is by no means unusual and all court users will be familiar with it. I can also say that I have only ever heard of one instance where it was refused. In summary, it is my view that it is very unlikely that your offer to do the deal will be refused. If it is accepted, you may be able to persuade he court that the two speeding offences occurred "on the same occasion" and so should only receive one lot of points. Let me know the details (timings, places, etc) and I'll give you my opinion. Just in case your offer is refused, you should have your EH argument ready. Whether it's worth paying what will amount to many hundreds of pounds to pay someone to see this through is your call.  Let me know if I can help further.    
    • This must be part of the new tactic from Evri.  They know they are going to lose. They take it to the wire and then don't bother to turn up in order to save themselves costs and of course they don't give a damn about the cost to the British taxpayer and the extra court delays they cause. This is a nasty dishonest company – but rather in line with all of the parcel delivery industry which knows that their insurance requirements are unlawful. They know that their prohibited items are for the most part unfair terms. They know for the most part that a "safe place" is exactly what it means – are not left on somebody's doorstep in full view. They know that obtaining a signature means that they have to show the signature not simply claim that they received a signature. They are making huge profits especially from their unlawful and unenforceable insurance requirement. Although this is less valuable than the PPI scandal, in terms of the number of people who are affected nationwide, PPI pales into insignificance. I hope the paralegals working for Evri are proud of themselves and they tell their families what they have done during the day when they go home.
    • Your PCN does not comply with the Protection of freedoms Act 2012 Schedule 4 Section 9[2][a] (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The only time on the PCN is 17.14. That is only  a time for there to be a period there would have to be a start and and end time mentioned. of course they do show the ANPR arrival and departures  times but that is not the parking period and their times are on the photographs not on the PCN. They also failed to comply with S.9[2][f] as they omitted to say that they could only pursue the keeper if they complied with the Act. That means that they can only pursue the driver as the keeper cannot be held liable for the charge. As they do not know who was driving and Courts do not accept that the driver and the keeper are the same person they will struggle to win. Especially as so many people are able to legally drive your car and you haven't appealed giving them no indication therefore of who was driving. Small nitpicking point-the date of Infringement was 22/04/2024. They appear to be saying that they can charge an extra amount [up to £70 ] if they have to use a debt collector. You do not have a contract with a debt collector so they cannot add that cost. You paid for four hours so it can only be the 15 minutes they are complaining about. You are entitled to a ten minute minimum grace period at the end of the parking period which would be easier to explain if the car park had been bigger. However if you allow for two minutes to park and two minutes to leave that gives you one minute to account for. Things like being held on the way out by cars in front waiting to get on to Northgate or even your own car being held up trying to get on to Northgate at a busy time. then other considerations like having to stop to allow pedestrians to walk in front of you or being held up by another car doing a u turn in front of your car. you would have to check with the driver and see if they could account for an extra one minute things like a disabled passenger or having to strap in a child . I am not advocating lying since that could lead to serious problems [like jail time] but there can be an awful lot of minor things that can cause a hold up of a minute even the engine not starting straight away or another car being badly parked as examples. Sadly you cannot include the 5 minute Consideration period as both IPC and BPA fail to comply with the convention that you can include that time with the Grace period.  
    • Defence struck out not case struck out...you have judgment  Well done topic title updated Regard's Please consider making a donation if not already to support us to help others.   Andy.   .
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link claimform - rbs card debt


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Hi , my wife has just received a MCOL from Link Financial.

The debt goes back to 2001 and we are sure that no payments have been made since 2003.

Also the claim includes statutory interest @ 8% which in previous letters they have said that they will not add interest onto the original sum.

She does not even know from whom the debt is and she is unaware of any credit agreement from link financial.

 

Can someone advise of the best way to respond to the MCOL please.

 

Many thanks

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You need to acknowledge the clain online. Then I'd send a letter to the claimant stating the alledged debt is SB and you will be defending on that basis as well as claiming. You could also use cpr to request a full statement of account and the credit agreement. See what others think.

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Hi Nucurro

 

I have also been taken to court by Link but fighting hard with lots of help from Caggers!! Dont despair! See my thread where you will see exactly what to send. http://www.consumeractiongroup.co.uk/forum/showthread.php?263512-HELP!!!-County-Court-Claim-Received-for-Debt-Sold-10-years-after-Default

 

 

First things first is to reply to the court claim on line, they give you a password on the form to do that. You will need to register first. Acknowledge the claim and advise that you intend to defend ALL of the claim, this gives you 28 days to ask for information from Link to prove that they own the debt and the debt is enforceable. If they dont send you everything (and they probably wont) you can file an embarrassed defence, but we can get to that later and this is also on my thread. You must file it before the 28 days have expired, having sent Link the CPR's promptly, you will have time so dont worry.

 

Send the CPR 31.14 and CPR 18 to Link quickly. You need to enclose a £1 postal order with the CPR 31.14 and make sure you send it recorded delivery. From now on keep all letters and envelopes too. If they do come back eventually with a copy of your orignal credit agreement, do not despair, again this does not prove that they own the debt. You will then know who the Original Creditor (OC) is and I would recommend that you send the OC a Subject Access Request with a £10 fee, asking for all of the information they hold on you. They will not tamper with their letters, but Im not sure about the claimants. Oh and dont call them!! I did that and they started calling me, but they only did it once, as Caggers advised to tell them to correspond in writing only and thats exactly what i did.

 

If you can post a copy of the letter on here, removing all personal information first, like your name & address, claim number etc (I used photobucket.com) so we can see the details. If they have mentioned a Default, they need to show you a copy of the default notice. They also need to prove they have legal right to the debt by i.e have a Deed of Assignment. You also need to see copies of all payments made and any charges added during the full duration of the agreement to date. I am still battling, but so glad that I came on here for help. Others will be able to help too.

 

Also, I sometimes found information a little confusing, but people are very patient and will help and explain.

 

Good luck! I'll keep watching your thread and help if I can.

 

SF2010

Edited by SF2010
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Hi , my wife has just received a MCOL from Link Financial.

The debt goes back to 2001 and we are sure that no payments have been made since 2003.

Also the claim includes statutory interest @ 8% which in previous letters they have said that they will not add interest onto the original sum.

She does not even know from whom the debt is and she is unaware of any credit agreement from link financial.

 

Can someone advise of the best way to respond to the MCOL please.

 

Many thanks

 

in your defence, you need to explain that this account is statute barred, meaning it cannot be recovered through the courts

post office WON 12/11/06

 

abbey.LBA sent 30/10/06.MCOL claim submitted 8/11/06.allocation questionnaire sent 16/12/06.schedule of charges sent 16/12/06.WON

 

2nd abbey claim SAR sent 3/1/07.WON.complaint letter sent 18/1/08

 

alliance and Leicester.WON

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Hi Nucurro

 

The 31.14 is much the same as the 31.15, but the timescale for a reply to the 31.15 is only 7 days, rather than 14 days for the 31.14. Link eventually sent me a copy of the credit agreement, but not in the timescale given. They will probably not send it within the 14 days. The 14 days is calculated from date of posting and they are working days, so, send this off as soon as possible. Just warning you so that you dont feel like giving up if it turns up, like I did. Its not unusual, so dont be scared if they do send it eventually. It doesnt substantiate their claim on its own. They will probably send you a letter to say it could take up to 30 days as they have to get it from the Original Creditor, but having made a claim, they should have already had all of the particulars to make the claim (I hope your getting the drift).

 

Whatever you do Do Not delay sending in your embarrassed defence to the court within 28 calendar days from the date of acknowledgement. If you dont do that, a judgement will be made against your wife. As a great Cagger said to me, they should have all of the necessary documentation prior to making acourt claim, but they rely on people getting scared and just giving in. I understand that they even offer you a Tomlin Order which is where a judgment made against you doesnt show on your credit file, but you will be paying them money. I dont believe they can offer anyone a Tomlin Order as its at a judges descretion and a solicitor needs to draw up papers to request this from a judge. Somehow I cant see them doing that on our behalf. Once agreed you have acknowledged the debt and they have what they want. I havent had the priviledge of such an offer yet.

 

I used the 31.15 much later when they wrote to me with a letter to sign to accept judgment. As my defence was already filed, I didnt want to seem as though I had ignored their attempts to sort out this claim out of court. I wanted evidence which I could produce that clearly stated what the requirements were. I knew full well that they wouldnt provide what I had asked for, so it was just a way of keeping my defence sound just in case it gets to court. I added that I wouldnt respond to any further correspondence until they fully complied with the CPR requests. I have had another letter since, but do not intend to respond as I made it very clear in the last letter. I can give you a copy of that letter when you need it. Just take this one step at a time.

 

Im still going through it so really do understand the way it feels. Their actions have been exactly as other Caggers described and so many people who dont know about their actions end up with judgments against them because they dont feel they can do anything about it. Do you have a house? As I have been told that if they find that out, they run to the courts with a claim. They told me they were intending to get a second order on my property if I couldnt afford to pay as they dont do payment arrangements. In a way, I am glad they said it as this was how I came to find this site.

 

I was very scared, still am sometimes, but please remember there has been some time in between all of these letters and correspondence I talk about in my thread. I would really just take actions one step at a time. I placed reply due by post it notes on my letters which enabled me to see at a glance when I should expect a response. I also prepared my Embarassed Defence and just waited until it was time to send it and then pasted into the section on the court website. The date for them to advise the court of whether they wish to proceed has passed, but I need to wait for the court to advise me further. Im hoping that I get a letter saying that is has been stayed, although I do believe they often go to court even if they dont have what is needed to win. I have nothing to lose, so will take it all the way if I have to.

 

Stay strong!!

 

SF

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Hi Nicurro

 

Sorry I wasnt in touch sooner, I have had the flu and was knocked off my feet. The letter says that it can only be used for the purpose of the CPR31.14 so dont worry about marking anything on the postal order. Hopefully you have sent it by now. if so, it doesnt matter if you did mark the postal order with CPR31.14.

 

I hope all is coming together a little. You will get stronger as this matter unfolds and you see that there is one or two things which they usually cannot produce but are essential for their claim. Im not saying that I will win, but Im definetly going to fight and I would encourage you to do the same, rather than be easy pickings for what can be very ruthless and underhanded actions.

 

SF

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Nicurro please see my thread for latest update. The court claim has been stayed, because they didnt reply to my defence within the 28 days allowed. They would now have to apply to the court for an order to lift the stay. I dont know if there is a time limit on it being stayed, before it is struck out, or if it remains stayed forever!

 

Keep posting the latest as it transpires and I will try and help. If you need help urgently, click on the little triangle on the bottom left of your last post and ask the site team to request someone to look at it urgently for you.

 

Wishing you well

 

SF

 

Just keep going and dont let them take your money without a fight.

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Hi there

If the last payment was in 2003 the debt might be Statute Barred. If it isn't already you should be able to see from the SAR when your last payment was made.

 

If it's nearly statute barred see what you can do to dely any proceedings until the debt IS statute Barred . I suspect that this is the last roll of the dice for some desperately hungry DCA who is chancing this.

 

If you haven't got the SAR yet send your 10 GBP postal order off to the OC and demand it. You can also delay Court procedings yet again as you can say you need this for your defence.

 

If the debt IS Statute Barred --then that's enough -- No Case to answer -- Case dismissed --Next Case please M'Lud.

 

Statute Barred is just that THIS DEBT CANNOT BE COLLECTED --end of story.

 

Cheers

jimbo

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Hi Nicurro

 

Jimbo is right, good advice. Send off the SAR to the orginal creditor's asap. It will cost £10, but it will be well spent. They will not tamper with any of their documentation, but I cant say the same for the DCA involved. They seem to be pretty notorious of doing the opposite. If they resort to this though, its easily checked on here by Caggers and once they have started down that road, you will be able to gather it as evidence which makes it more likely that they will just put it to bed and chance their luck with some other poor souls.

 

In the SAR you are looking to find all of the documents you asked for in the CPR 18 and 31.14. If they havent got them, its not likely that Link could have them. If you do find that its Statute Barred, then thats even better.

 

I myself have just made a court claim of almost £200 due to the orignal creditor not responding fully to my SAR. I know I have 2 old accounts and only received limited info on 1. This involved all costs relating to requesting the SAR and chasing their compliance with that request. They MUST provide with all information they hold within 40 calendar days. This was not done. I can advise you about this if needed later on. I also made a complaint to the Data Commissioner on the date that I filed my court claim.

 

After that has been resolved and I can be comfortable that I have all of the information in relation to what the OC has, I will SAR link too, using the money I claim back from the OC. It would be sweet to find that they dont comply and I make a claim in court in relation to them too. If I received any more communications from Link, I will write a complaint to FOS in order that they are notified of their actions.

 

So, next step SAR !!

 

Good luck! :D

Edited by SF2010
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  • 2 weeks later...

Hi ,sent the two letters on 13th August had no response at all. Completed the MCOL to say i have receieved the papers & i intend to defend all of the claim.

What do i do now ????? Do i need to go back to the MCOL summons ?

Please advise

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Hi Nicurro

 

Calculate 14 working days since you sent the letters to Link. If this has now passed, you should send Link an account in dispute letter. This letter advises them that they havent complied and until they provide you with the information they cannot substantiate their claim. See my link to my thread in an earlier post.

 

You should put in your 'embarrassed defence' on line on or around the 23rd calendar day after you acknowledged on MCOL. This way you can demonstrate that you have given them ample time to provide you with detailed particulars of the claim before filing your defence.

 

MBNA would have 40 days to reply to a SAR, so if you sent one, you need to calculate when that time expires so that you are ready to send them a letter before action.

 

 

I find it best to keep a little post it note on all of your letters so that you can see at a glance when responses are due and lets you know quickly when its time to take the next step.

 

Nothing out of the ordinary is happening now, so dont please panic. It wasnt likely that you was ever going to get a response to the CPR's within the required timescale as advised earlier, this is very much about not letting Link wriggle out of substantiating their claim and its not likely that they can.

 

Did you say how old this debt is?

 

Remember no telephone discussions! If they contact you, tell them to put it in writing.

 

 

If you get anything in the meantime get in touch.

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Hi Nucurro

 

I have also been taken to court by Link but fighting hard with lots of help from Caggers!! Dont despair! See my thread where you will see exactly what to send. http://www.consumeractiongroup.co.uk/forum/showthread.php?263512-HELP!!!-County-Court-Claim-Received-for-Debt-Sold-10-years-after-Default

 

 

First things first is to reply to the court claim on line, they give you a password on the form to do that. You will need to register first. Acknowledge the claim and advise that you intend to defend ALL of the claim, this gives you 28 days to ask for information from Link to prove that they own the debt and the debt is enforceable. If they dont send you everything (and they probably wont) you can file an embarrassed defence, but we can get to that later and this is also on my thread. You must file it before the 28 days have expired, having sent Link the CPR's promptly, you will have time so dont worry.

 

Send the CPR 31.14 and CPR 18 to Link quickly. You need to enclose a £1 postal order with the CPR 31.14 and make sure you send it recorded delivery. From now on keep all letters and envelopes too. If they do come back eventually with a copy of your orignal credit agreement, do not despair, again this does not prove that they own the debt. You will then know who the Original Creditor (OC) is and I would recommend that you send the OC a Subject Access Request with a £10 fee, asking for all of the information they hold on you. They will not tamper with their letters, but Im not sure about the claimants. Oh and dont call them!! I did that and they started calling me, but they only did it once, as Caggers advised to tell them to correspond in writing only and thats exactly what i did.

 

If you can post a copy of the letter on here, removing all personal information first, like your name & address, claim number etc (I used photobucket.com) so we can see the details. If they have mentioned a Default, they need to show you a copy of the default notice. They also need to prove they have legal right to the debt by i.e have a Deed of Assignment. You also need to see copies of all payments made and any charges added during the full duration of the agreement to date. I am still battling, but so glad that I came on here for help. Others will be able to help too.

 

Also, I sometimes found information a little confusing, but people are very patient and will help and explain.

 

Good luck! I'll keep watching your thread and help if I can.

 

SF2010

 

 

 

There is no charge for CPR requests and if you have sent them £1 they may well take that to be a payment to the account which could reset the statue barred clock. £1 payments are for CCA requests. CPR requests do not cost.

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My error

 

You are right, however, I dont think Link can hold it against Nicurro as I dont think they would be able to convince anyone that this was done as acknowledgement of the debt.

 

I did provide a link to my thread and just trying to help out another.

 

Regards

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  • 2 weeks later...

Hi guys , i am now ready to file my defence , is this the defence i use as i have receieved no info from Link since requesting it.

In the Northampton county court

link3.gif

Claim number CLAIM NO

 

 

Between

 

 

 

Link Financial LTD - Claimant

 

 

 

and

 

 

 

 

 

NAME - Defendant

 

 

 

 

 

 

Defence

 

1. I NAME (1st line of address TOWN) am the defendant in this action and make the following statement as my defence to the claim made by Link Financial LTD

 

Except where explicitly stated below the Defendant neither admits nor denies any of the assertions or claims made by the Claimant.

 

2. The Defendant is embarrassed in pleading to the Particulars of Claim as it stands at present, inter alia: -

 

3. The claimants' particulars of claims disclose no legal cause of action and they are embarrassing to the defendant as the claimant's statement of case is insufficiently particularised. In this regard I wish to draw the courts attention to the following matters;

 

a) The Particulars of Claim are vague and insufficient and do not disclose an adequate statement of facts relating to or proceeding the alleged cause of action. No particulars are offered in relation to the nature of the written agreement referred to, the method the claimant calculated any outstanding sums due,or any other matters necessary to substantiate the claimant's claim.

 

b) A copy of the purported written agreement that the claimant cites in the Particulars of Claim, and which appears to form the basis upon which these proceedings have been brought.

 

c) A copy of any evidence of both the scope and nature of any default, and proof of any amount outstanding on the alleged accounts.

 

d) A copy of any termination notice served under section 76 and/or section 98 of the CCA, on the alleged account.

 

e) A copy of any notice of assignment compliant with the provisions of the Law of Property Act 1925, on the alleged account and proof of original service of said assignment to the defendant.

 

f) The defendant requested information referred in the claim under CPR 18 & CPR 31.14 from the claimant by (METHOD OF POST). The request was received by the claimant on the (DATE), compliance with the requests has now expired. The defendant wishes to make the court aware that the claimant is trying to frustrate proceedings and denying the defendant an opportunity to file a defencelink3.gif and counter claim.

 

4. Consequently, I deny all allegations on the particulars of claim and put the claimant to strict proof thereof

 

5. I respectfully request the courts permission to submit an amended defence should the claimant file a fully particularised Particulars of Claim

 

I respectfully request that the court consider striking out the claim under cpr 3.4.2(a) because it is not fully particularized nor offers any legal cause of action.

 

I respectfully request that the court consider striking out the claim under cpr 3.4.2© because, in light of the failure to respond to both cpr 31.14 & 18 requests, the Claimant is unable to substantiate their claim with documentary evidence.

 

Statement of Truth

 

 

I (NAME), believe the above statement to be true and factual

 

 

Signed (NAME)

 

Date DATE OF DEFENCE

 

 

Thanks

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HI , just been to MCOL to put Defence in , it says that they received my Acknowlegement on 23/08/2010 and that judgment has been entered on 13/09/2010.

I therefore cannot file the defence.

Still not heard from Link.

Any advice ???

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Hi Niccuro

 

It would seem that your have not selected the correct acknowledgement of service advising you intend to defend the claim in full. This should have given you 28 days to file your defence. 14 days is just the standard acknowledgement of claim.

 

Ok, I think the best action now would be to click the warning triangle on the left hand side and ask the site team for some help. They will ask particular Caggers to come and give you advise in relation to these circumstances. I'm sure it has happened before, so search the threads for more info in the meantime.

 

I will also have a look and post a link if I find anything.

 

SF2010

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Hi Nicurro

 

It appears that you will get notifcation of the judgement and you can apply to have the judgment set aside. I have found 1 thread, its not very detailed, but here it is http://www.consumeractiongroup.co.uk/forum/showthread.php?238838-judgment-for-claiment-help-please.

 

I hope someone will come along who can give you more advice on having the judgment set aside. Did you send and get a response to your SAR?

 

As you havent had any details from Link, hopefully this will enable you to have it set aside. You could also call the courts and ask them how to go about this.

 

Im very sad to hear this and hope you will get this sorted out.

 

SF2010

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