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    • Well, we know it seems that the poops and others just use there MP position mainly to generate funds from their 'outside' lol interests Lets hope labor BAN second jobs for Mps - all second jobs - then create a truly independent expenses 'police' with real powers Tip of the iceberg: "A cohort of Conservative MPs standing down before the next election have netted jobs worth millions of pounds and have taken dozens of all-expenses-paid trips funded by foreign governments and lobbyists, the Observer can reveal." so far - "top of the list was former justice secretary Brandon Lewis, who has taken on five new part-time roles worth £410,000 a year alongside his commitments as an MP.   Outgoing Tory MPs take lucrative second jobs and ‘swan off on jollies’ | Conservatives | The Guardian WWW.THEGUARDIAN.COM Sixty four Tories and four independent MPs who lost party whip plan to stand down from the Commons amid dire polling for Conservatives  
    • The first thing you need to do is for your father to send Argos customer services an email saying he wishes to return the item within the 14 day cooling-off period under the Consumer Rights Act 2015. This is important because he needs simple proof to back up his request, as they are being stubborn. Enclose a copy of receipt details so they can locate the sale, Distant selling regulations will apply as he made the contract online with the retailer and they took the payment. The contract is between your father and ARGOS. He has to cancel the contract and receive a refund back to his debit card. You cannot act on his behalf as a third party and they have every right to refuse to deal with you if they so wish. Data Protection the number one issue. I don't understand why Privity was mentioned since nobody is suing anyone. How you received the goods is irrelevant. A retailer's terms and conditions cannot derogate statutory obligation.
    • TfL take abuse of staff passes very seriously. If the pass has been confiscated I imagine they will write to them and it could result in the card being suspended for a time, as I understand it. I hope you've told them about the card being confiscated and why? We need to know how many times you used the pass please - how many weeks at 2-3 days a week. Later I would expect TfL to write to you as well, possibly with a schedule of journeys made with the card, to ask you to tell them which journeys were you. They will ask for your side of the story. We can help you to refine a letter to send once they write but you need to start it off because you're the only one who knows the full story. I suggest something like this. Paragraph 1 a short explanation of why you used the card on the day you were caught Paragraph 2 you know you made a mistake and you regret it Paragraph 3 you understand how what you did is wrong and the effect it has on TfL Paragraph 4 you have taken action - tell them what - to ensure that this doesn't happen again Paragraph 5 you ask if they would allow you to pay the outstanding fare and their administrative costs to resolve this Please don't copy and paste what I've said, use your own words. HB NB This is a suggested reply, don't send it before they write to you because we need to see what they say.
    • I purchased the phone last Sunday evening, online, and paid online.    it was collected in store on the Monday afternoon, and then the return was attempted the following day, the Tuesday. 
    • Thanks honeybee13, They have not been in touch with with my partner yet. Will my partner be implicated? I really don't want to and have to live with knowing that the pass is confiscated and will not get it back?? I must admit i use the pass non peak and use it for 2 or 3 days a week.  I have no excuses and am bad in writing letters. I have read some thread and sample letters but i don't have mitigating circumstances. My mind is totally blank and can't sleep. 
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Default Judgement entered due to late return of AoS - whose to blame what to do

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Hi, it was suggested that I start this post off as a new topic. I have searched for but have not found, though I'm sure it will be here, advice regarding a County Court Claim form that I received after the 5 + 14 day. The dates concerned were the Issue date 27th August 2010 and date of receipt 18th September. I used moneyclaim to send an acknowledgement of service on the day I received the claim ie the 18th September. I called the court office in Northampton who stated that as my AoS was received after 19 days judgement had been entered against me and that it was an issue for me and the Post Office, perhaps true but not very helpful. My post is on redirect by the way but I'm led to believe that this should not cause a significant delay.


I am about to prepare a form N244 but require assistance from those more experienced with regard to my response. Is it sufficient just to state on the N244 that the claim form arrived late? I'm sure many people reply late either for many and various reasons but it does seem a rather lame excuse. I'm happy to add particulars of my defense as well but am unsure whether or not it's necessary at this stage. I have the envelope in which it arrived but there appears to be nothing on it that would indicate a date.


Any assistance would be gratefully appreciated.



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There will be a bar code - which probably ahs the date hidden in it if it becomes a real issue. As I said on the other thread redirection should only add 1 day delay to the normal postal time - if it seems much longer then you should ask Royal Mail to explain - perhaps they can decipher the bar code and confirm actual date of posting?


Did they not know of your current address in any case? It seems to be a common ploy for some OC's and DCA's to deliberately send cpourt papers to an old address and get judgement by default. Which OC/DCA is it?


Good luck



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BD - thanks , actually there is a bar code on the letter. Its a brown letter with a very faint light red bar code on the front. I would have missed it ordinarily. Regarding the new address yes they are aware of it but always send to my old address, it seems to have worked in their favour upto now. Its HFC/Restons.



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Hi Scrible


You simply state that you wish to make application to set a side the judgment dated xxxxxx.The summons dated xxxxxx was AoS with an intention to defend dated xxxxx.The Claimant even though informed continually is insistent on using a previous address.

Had the Claimant posted the summons to the correct address as informed I would have received the claim on time and defended such claim.






PS make application without an hearing

We could do with some help from you.



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I didn't say that Scribe I told you what reason to use.



We could do with some help from you.



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No problem - but this just shows how important it is to keep your wits about you at all times - and choose your words carefully. One slip and they've won. If in any doubt, run your exact words past us on your thread - but missing out anything that could identify you - no point giving them extra ammo!


Good luck!



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  • 1 month later...

Hi all.

It's been a while but I finally received a judgement regarding the set aside request. It states that I need to file at Court and serve on the Claimant a draft defence setting out in full why I dispute the claim..... Surely this is what I did with my N244 in the first place, or are they after more particulars/ evidence?

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The N244 was simply to have the judgement set aside, this does not act as or replace a formal defence, the setting aside of the judgement simply means it's as if the judgement were never ordered. you need to now to defend against their claim.


I am not an expert in this area, so please accept my help as general guidance rather than gospel


Look at their Particulars of their claim, do they fully disclose a reason and legal right to bring a claim against you?


Have they proven that they have a lawful assignment of your account?

Have theym proven that the amount they are claiming is correct

are there any charges or PPI included in the claim amount?

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I hope this is what you mean :-


The Claimant claims payment of the overdue balance due from the Defendant under a contract dated on or about 20/09/1994 in the sum of XXXX inclusive of interest to the date of this summons at 19.8% per annum from to.


PARTICULARS a/c no xxxxxxxx

DATE 11/08/2010

ITEM Default Balance

VALUE xxxxxxxx

Post Refrl Cr NIL


26/08/2010 Interest xxxxx

TOTAL xxxxxx


Together with:-

interest pursuat to contract at the rate of 643.68 pence per day to the date of Judgement or sooner payment.


Thanks for your help donkey.


ps HFC have confirmed that they are unable to supply me with a copy of their legal agreement.



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“The overdue balance”.


Are they claiming the whole amount?


You are now effectively starting from scratch.


Time to use CPR. Have a look here...






Get yourself up to speed on the use of CPR, then tell us a bit more about the history of the account as suggested, ie. did you receive default notices, when was it defaulted, how long since you made a payment, and previous correspondence etc.

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Thanks donkey, I have read the two threads but need a little time to digest and perhaps re read. My next hurdle is to supply the judge with a draft defence, setting out why I dispute the claim, 14 days prior to a hearing to determine if set aside can be obtained. Is this normal as I understood that the completion of the N244 was sufficient to grant set aside or not as the case maybe?




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Hi guys

have read the cpr threads etc and am today trying to pull a defence together. For your info I did receive a default notice dated 11.08.2009 this would appear from what I can tell to be in order apart from how they have arrived at the either the credit limit or how the credit limit has been exceeded. The text of my draft is as follows

'I do not recall when or where I opened this GM credit card account. I do not recall receiving an agreement or what the opening credit limit was

However, I did utilise the account facility and I made regular monthly payments as required.

Following a change in my financial circumstances and subsequent conversations with various advice organisations I was advised to request details regarding all my finance accounts (overdrafts, mortgage, loans, credit cards etc)

With regard to HFC I requested a copy of my original agreement along with terms and conditions in order for me to assess my situation.

HFC/Restons/GM Card etc are unable to provide this and I therefore ceased payments inaccordance with the advice I received from various consumer organisations

Subsequently they(HFC/Restons/GM) have been advised that upon receipt of a (true) copy of the original signed agreement I will endeavour to restart payments within my budget as I have with other creditors who have provided copies of the original signed agreements. Todate they have been unable to provide the document

Therefore I request that the judgement be setaside until such time that a true copy of original signed agreement is produced.'


Can someone please review this - its my first draft and I need to know if I am heading in the right direction or not.

Edited by scrible
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