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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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Council tax court summon issue


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Hi

 

in 2010 I had to go on part time to my work and was earning around 150 a week.

 

after 3months in part time position when things started to get better i went back full time and I agreed with council to pay 50 a month until I get on my feet.

 

But as usual bad luck I lost my job by getting sacked ,so I appealed against the sacking decision

I got the job back which made me miss payments for council tax so the court Summons cost was added last year.

 

last month I received the new bill plus old outstanding balance of £505 .

 

I called the council last week and told them that I will start making new council tax and carry on paying £50, as I agreed previously

 

as the council lady refused to put an payment arrangement in place, don't want to go in some kind of deal until the court summon was issued and £70 extra charges are added ,

I went mad and argued not to add court summon charges .

 

she said no way it can be stopped as it is government law to issue court summons and add extra charges

 

I got little angry she hangup on me .

 

I called again spoke with another lady from council and she also went telling me the same story as the first one

so I asked her is there any one i can write to so these charges can be dropped and the reply was you can write to us but the charges will stay on.

 

I was really annoyed and asked that i want to attend the court summon in front of magistrate as i am going to fight it back

as there was no need to issue court summon as i am happy to set payment plan for the outstanding balance .

 

anyone please tell me what are my chances of winning this argument of adding these unfair court summon charges

even though I am paying them towards outstanding arrears .

 

The council lady was so confident that there is no way I can avoid the court summon charges .

 

thanks

Edited by Tariq2009
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can you PLEASE go through the post and EDIT in blank line breaks and sentences

 

i've tried reading it twice and makes no sence to me.

 

dx

siteteam

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... 

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no i've just done it.

 

still cant full grasp it.

 

are you saying you've had the new CTAX bill and the old bill and you are going to only pay £50 for both

or

are you paying the new bill as it should be + are paying £50 toward the old CTAX bill?

 

eitherway if you are late with the new or behind with the old, they are saadly within their rights to get a LO issued and charge you for it.

 

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... 

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Yes unfortunately,since you had arrears and was late with the new one,it is usual for them to go for a liability order.

This is their insurance of being able to enforce recovery.

Although it has been said that the actual cost per LO to be rubber stamped is only a couple of pounds cost to the Council,costs added onto the account can vary from £50 to £100 depending on the Council.

The Magistrates are not able to intervene on costs,nor will they get involved in any payment arrangements,only if the actual amount of the arrears is wrong,or you dont owe anything will they be prepared to listen.

Its up to you now to agree a repayment plan that they will accept,and if you break it,you will find them passing it to Bailiffs-so dont ignore it.

With the Gov Council spending cuts affecting most Town Halls now,Councils have begun to take enforcement more readily.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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I am paying new ctax £117 new plus £50 . I am uptodate with new ctax. I asked them not to issue Lo for old ctax as it will add more £70 on the arrears as I am already struggling to pay and they are not willing to stop the Lo which .is there a way that I can fight this in court as I am paying it but all this Lo is no need for it as I have not miss the payments in this new year .but they saying last year is finished now this old arrears is class as new debt and they have to start the process of Lo all over again and make me bare the cost of it .can get any result in front magistrate if raise this issue .thanks

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Tariq,

If there are amounts outstanding from the previous year and you cannot clear them before the next years amounts are billed,then these days they will go for a liability order.

If you did speak to them after getting notice that the LO was going to be heard in Court,and made an undertaking to pay the outstanding amount,then yes they could have withdrawn the LO-providing you DID clear the arrears BEFORE the hearing.

Can you say if that was the case-and if so

 

1.How did you notify them.?

 

2.How long before the LO hearing did you actually pay the arrears ?

 

If you can show that they went ahead with the application AFTER you had cleared the arrears from the old account,and that this had been done in good time before the hearing,and they were notified to that effect-then you could have a case to argue.

For proof of this I think you would be best to do a full subject access to get proof of it with screenshots/call logs etc.

 

Do you understand all that ?

 

I should add that this is something I did myself a couple of years ago,and had £100 costs refunded as a credit to my CT account-so it can be done.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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  • 2 weeks later...

Tariq 2009,

 

I fully sympathise with your objection to the government profiting from residents over Council Tax Summonses and Liability orders.

 

I realise this issue maybe behind you now but I found something relevant to this thread that I'll post in case you or anyone else is interested in the legality (or illegality) of the Council Tax summons and Court procedures.

 

Regina v. Brentford Justices. Ex parte Catlin

 

The most relevant to this thread I think are the closing comments of Lord Widgery C.J

 

"....It must however be remembered that before a summons or warrant is issued the information must be laid before a magistrate and he must go through the judicial exercise of deciding whether a summons or warrant ought to be issued or not. If a magistrate authorises the issue of a summons without having applied his mind to the information then he is guilty of dereliction of duty and if in any particular justices' clerk's office a practice goes on of summonses being issued without information being laid before the magistrate at all, then a very serious instance of maladministration arises which should have the attention of the authorities without delay...."

Another quote related to this case:

 

"A decision by magistrates whether to issue a summons pursuant to information laid involves the exercise of a judicial function, and is not merely administrative."

There is a F.O.I. request incidentally, getting into this territory on the whatdotheyknow site.

 

The fact that there are typically several hundred cases at a single court hearing may have some relevance to Lord Widgery's comments; what is the possibility that the magistrate would go through the judicial exercise of deciding whether a summons ought to be issued or not when these numbers are involved? Or, if in fact the information is laid before him at all?

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