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    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
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court claim forms received From HFO***Claim Discontinued***


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Bear in mind these facts.

 

If they have only just informed you of the assignment (probably with a letter that, er, mistakenly claims to have ‘previously informed you’) then they cannot claim interest from the date of assignment – only from when you were notified of the assignment.

 

This is liable to be a fast track case, so CPR 31 is a must.

 

But first, give us a full history of all your contact with these clowns, and make that phone call.

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Hi Guys,

 

Thanks for all the replies.

 

Just got in from work. I have called Barclaycard and got the following nformation -

 

Default Date - August 2007

 

Debt Sold To HFO September 2007

 

Never Made payment to HFO

 

Last Payment made to Barclaycard 16th October 2006

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That explains why they have made the claim now – it was just about to become SB.

 

Do you live in Scotland by chance?

 

Have HFO or Turnbull Rutherford contacted you at all prior to receiving the claim form? Have you ever received a notice of assignment? Any letter before action?

 

Tell us about ALL of the correspondence.

 

Have you moved home since 2006?

 

Time for some CPR, I think.

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I live in England

 

I have been contacted by HFO before when I received a letter that has been described on the forums. It was threatening action within 10 working days. That was almost a year ago now.

 

I have only moved address once since 2006 and that was in 2009 and I have been living at the same address since.

 

Other then that I have never been contacted by them.

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So your first contact was almost a year ago, like many others at the time. No contact since then until the claim? We really need you to provide absolute detail. That’s where the devil is. Did you get the ‘as we have previously informed you’ letter?

 

Can you scan and post the specific letters you received?

 

In the meantime, have a look at CPR31.

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Well, you disagree with the claim. So defend.

 

You can go online and state you will be defending, and request the extra 14 days to enter your defence.

 

Look up CPR 31!

 

Time to demand copies of EVERYTHING they claim they did and sent in their extensive particulars of claim, ie. credit agreement, copies of letters sent, default notice from Barclaycard – everything. You KNOW they did not send a letter before action, but I bet one turns up. They make things up to suit their case (which I can prove), so we must be careful.

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Hi Guys,

 

I have completed the AOS part last night online. Today I sent the CPR 31 letter via Recorded delivery to the solicitors. I have a couple of questions -

 

1. Do I also need to send CRP Part 18?

2. When do I start my defence? If/When the solicitors fail to reply?

 

I have never done this before so would appreciate as much help as possible.

 

Thanks

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3. However, Miss Margiotta on behalf of the claimant has considered the matter further with the paralegal attending her and now submits that the appropriate order that I should make is not that it be dismissed, but that it should be stayed for this reason; it had been noted that in my judgment I pointed out that there was a lack of evidence that was put forward by the claimant, and in particular identified what I regarded as perhaps a surprising and striking absence of evidence from Barclaycard. It is now suggested that I should stay the matter so that an opportunity is given for that further evidence to be obtained by Barclaycard.

 

4It would be quite wrong for me to entertain any such application. Had the claimant wished or been able to provide that evidence from Barclaycard, then the claimant ought to have produced it for this trial and not another proposed trial with consequential additional costs, and it is simply not good enough to suggest, as Miss Margiotta has, that the reason that the claimant did not produce that better evidence was because of issues of proportionality, yet now that the claimant has lost the case it should have a further opportunity to provide better evidence.

 

Thank goodness for a fair Judge. They start these claims with no information leaving the defendant at a disadvantage and then when they lose their claim.. they say .. hold on.. can we have another trial by that time we will have gathered together all the evidence ! They had more than sufficient time to have done that prior to THIS trial !

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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http://www.consumeractiongroup.co.uk/forum/showthread.php?366970-Jackthepipa-v-HFO

 

jackthepippa has his own thread now - linked above. :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi Guys,

 

I hope everyone had a good weekend.

 

I received this letter. They are offereing to setlle at £3800.00 the original amount and not the £6400.00 on the court papers. What action should I take next?

 

Thanks

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Hi Guys,

 

I hope everyone had a good weekend.

 

I received this letter. They are offereing to setlle at £3800.00 the original amount and not the £6400.00 on the court papers. What action should I take next?

 

Thanks

Because if they went to court they would get nothing, they are probably aware you're getting advice from this forum.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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