Welcome Finance - claim form received

[AndyOrch]

To be valid, HP agreements must be in writing and signed by both [parties].They must clearly lay out the following information in a print that all can read without effort:

a clear description of the goods

 

the cash price for the goods

the HP price, i.e., the total sum that must be paid to hire and then purchase the goods

the deposit

the monthly instalments (most states require that the applicable interest rate is disclosed and regulate the rates and charges that can be applied in HP transactions) and

a reasonably comprehensive statement of the parties' rights (sometimes including the right to cancel the agreement during a "cooling-off" period).

The right of the hire to terminate the contract when he feels like doing so with a valid reason

 

 

Termination of a HP Agreement

 

There are effectively two ways to do this. You can terminate at any time as long as you have paid at least half of the total amount of payments that were due under the agreement. If you have not, you will have to pay the remainder to bring the amount up to 50% of the total. If you took out insurance with the HP agreement, you will have to pay any credit for the cost of the insurance in full. You should not be required to take the goods back yourself, unless the premises is within a ‘reasonable distance’ of your home. The other way to end an HP agreement is to pay it off early. Before you do this, phone the finance company and get an early resettlement figure as you might get a rebate on future charges.

 

Andy

[gilly5001]

Thanks for your replies, as you can see this is giving me many sleepless nights,

I just can't find the termination notice;(

I have 14 days to acknowledge think I need to do this inbetween Xmas and new year. Can I say I'm disputing and submit my defence later on?

Will acknowledge on Xmas eve if I can and get it out of the way.

I have the letters regarding the mix up with the sar request hoping that's the main point.

Expertise credito rang today no idea was going to court and wanted to offer me advice on what to do!!!

 

Thanks all once again

Ill read back over the thread in the morning and see if there's more docs need posting on

[citizenB]

You can acknowledge any time up to the 19 days..

 

you would simply click on the bit that says you are defending and you get the extra 14 days.

 

time line..

 

issue date + 5 for service + 14 to acknowledge (19th day) + 14 to submit defence (33 days)

 

You dont have to wait right up until the 19th day to acknowledge.. you can do it any time.. you still get the 33 days in full.

[gilly5001]

Hi sorry if I'm being really dim

 

but on the claim form it says if I'm disputing that I have to fill in the defence and submit to court in 14 days.

 

The date on the form is the 11th so 14 days 25th , although it was posted 2nd class in the Xmas post!

 

What shall I write on it?

 

That I will later submit my defence?

 

I'm not sure what to say I'm going to defend it on.

 

I want to take it to the court tomorrow donuts def within the timescales or poss on the 27th but don't really want to worry like this over Xmas day!

Any help gratefully received

 

Merry Xmas al!

Gilly

[dx100uk]

do it online as CB states above gilly

use the password etc on the N1 form.

 

dx

[gilly5001]

Thankyou, I'm gonna look at it now, take it I don't have to give any details just click that I'm defending?

Thanks again

[gilly5001]

please can someone help me, there are no web addresses for online defending, I cant see anything that looks like a password or a username:( ive googled defending an N1 and cant find anythign on the web that helps either

[dx100uk]

quite correct neither can i.

[gilly5001]

says I need to acknowledgement of service but cant find anything that says that on it either this gets worse

[gilly5001]

ok ive printed a form N9 Ill take it to the court tomorrow, then know have until the 11th January at least to submit my defence

[AndyOrch]

Is the claim from Northampton CCBC? Is there not a Password in the Important Note? Have you registered with the Gov gateway to use the MCOL service? http://WWW.Moneyclaim.gov.uk?

 

Regards

 

Andy

[dx100uk]

its funny andy the scan is in post 91

 

its actually the customer copy

if you like

downloaded from the HMRC website

its not an N1 'from' thecourt it was i think sent by welcome finance

 

this is what got me before

 

the 'court' has not sent the N1

 

welcome have

 

we cant see if its got a REAL court stamp either.

 

dx

[gilly5001]

Hi that thought did cross my mind but the notice if return of goods hearing has got my local court stamp on it which isn't Northampton, and on the bottom of the docs it had the address and details f the court so I think is from the court, the n1 also has my local court details on the bottom

[dx100uk]

so you have two docs?

 

the N1 and the return of goods

 

typically an N1 should have a username & password.

 

dx

[AndyOrch]

That's not been issued from CCBC (its a Laserform) and a very old one at that.http://www.irislegal.co.uk/iris-legal-forms.aspx.

 

Still they quote a claim number so a quick telephone call to Northampton to see if the claim number is live.

 

 

Regards

 

Andy

[gilly5001]

shall I call Northampton County court even though thats not the court stamp that is on it?

 

I went today to acknowledge and the court was shut

 

i was advised to post in the secure post box there and will ring on thursday to check they have it.

 

Feel like its so sneaky of welcome to have done this over xmas, the claim was sent 2nd class!

and now the court isnt open around the time i need to defend etc

[AndyOrch]

Claims can only be submitted now through Northampton CCBC ( Or Salford ) What court stamp is on it?

[gilly5001]

Neither of those

, my local court stamp is on it.

[Ganymede]

Neither of those

, my local court stamp is on it.

 

 

 

Are you sure about that? Can you scan up a copy?

[BRIGADIER2JCS]

Are you sure about that? Can you scan up a copy?

One would trust that OP can read the court stamp!

[gilly5001]

One would trust that OP can read the court stamp!

 

Thanks brigadier

It is my court stamp, I've checked it against another court doc. Shall I ring my court or Northampton?

[gilly5001]

Just rang the court they have got the acknowledgement of service and claim is on the system so it's real

[BRIGADIER2JCS]

Thanks brigadier

It is my court stamp, I've checked it against another court doc. Shall I ring my court or Northampton?

 

Local Court Gilly, as Andy saild these claims are usually started via NCCBC then transferred locally if the case goes ahed.

[gilly5001]

All real so need a defence for the 11th jan,

 

ill try and it something together but any advice re the validity of the agreements etc would be great.

 

Not sure what I'm hoping for really, perhaps keeping the car and owing what they've been offering

- half of what they're currently claiming for or best case scenario the agreements aren't valid and not owing anything more than we've already aid

[dx100uk]

i've put all the docs here

 

dx