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    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Can a PPC (claimant) refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
    • Thank-you FTMDave for your feedback. May I take this opportunity to say that after reading numerous threads to which you are a contributor, I have great admiration for you. You really do go above and beyond in your efforts to help other people. The time you put in to help, in particular with witness statements is incredible. I am also impressed by the way in which you will defer to others with more experience should there be a particular point that you are not 100% clear on and return with answers or advice that you have sought. I wish I had the ability to help others as you do. There is another forum expert that I must also thank for his time and patience answering my questions and allowing me to come to a “penny drops” moment on one particular issue. I believe he has helped me immensely to understand and to strengthen my own case. I shall not mention who it is here at the moment just in case he would rather I didn't but I greatly appreciate the time he took working through that issue with me. I spent 20+ years of working in an industry that rules and regulations had to be strictly adhered to, indeed, exams had to be taken in order that one had to become qualified in those rules and regulations in order to carry out the duties of the post. In a way, such things as PoFA 2012 are rules and regulations that are not completely alien to me. It has been very enjoyable for me to learn these regulations and the law surrounding them. I wish I had found this forum years ago. I admit that perhaps I had been too keen to express my opinions given that I am still in the learning process. After a suitable period in this industry I became Qualified to teach the rules and regulations and I always said to those I taught that there is no such thing as a stupid question. If opinions, theories and observations are put forward, discussion can take place and as long as the result is that the student is able to clearly see where they went wrong and got to that moment where the penny drops then that is a valuable learning experience. No matter how experienced one is, there is always something to learn and if I did not know the answer to a question, I would say, I don't know the answer to that question but I will go and find out what the answer is. In any posts I have made, I have stated, “unless I am wrong” or “as far as I can see” awaiting a response telling me what I got wrong, if it was wrong. If I am wrong I am only too happy to admit it and take it as a valuable learning experience. I take the point that perhaps I should not post on other peoples threads and I shall refrain from doing so going forward. 🤐 As alluded to, circumstances can change, FTMDave made the following point that it had been boasted that no Caggers, over two years, who had sent a PPC the wrong registration snotty letter, had even been taken to court, let alone lost a court hearing .... but now they have. I too used the word "seemed" because it is true, we haven't had all the details. After perusing this forum I believe certain advice changed here after the Beavis case, I could be wrong but that is what I seem to remember reading. Could it be that after winning the above case in question, a claimant could refer back to this case and claim that a defendant had not made use of the appeal process, therefore allowing the claimant to win? Again, in this instance only, I do not know what is to be gained by not making an appeal or concealing the identity of the driver, especially if it is later admitted that the defendant was the driver and was the one to input the incorrect VRN in error. So far no one has educated me as to the reason why. But, of course, when making an appeal, it should be worded carefully so that an error in the appeal process cannot be referred back to. I thought long and hard about whether or not to post here but I wanted to bring up this point for discussion. Yes, I admit I have limited knowledge, but does that mean I should have kept silent? After I posted that I moved away from this forum slightly to find other avenues to increase my knowledge. I bought a law book and am now following certain lawyers on Youtube in the hope of arming myself with enough ammunition to use in my own case. In one video titled “7 Reasons You Will LOSE Your Court Case (and how to avoid them)” by Black Belt Barrister I believe he makes my point by saying the following, and I quote: “If you ignore the complaint in the first instance and it does eventually end up in court then it's going to look bad that you didn't co-operate in the first place. The court is not going to look kindly on you simply ignoring the company and not, let's say, availing yourself of any kind of appeal opportunities, particularly if we are talking about parking charge notices and things like that.” This point makes me think that, it is not such a bizarre judgement in the end. Only in the case of having proof of payment and inputting an incorrect VRN .... could it be worthwhile making a carefully worded appeal in the first instance? .... If the appeal fails, depending on the reason, surely this could only help if it went to court? As always, any feedback gratefully received.
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Well - M & S have finally admitted that the original agreement was destryed - but go on to say that the copy is still enforceable.

 

Now getting letters from Gothia (redcastle) - th latest arrived to day:

 

giving us the "opportunity to work with you and offer one of the following options

  1. LONG TERM - commit to pay £40 month and we will cease any further action for an agreed period of time
  2. SHORT TERM - Discount of over 35% over a ninety day period
  3. YOUR TERMS - You choose the option that best suits you and your curren financial circumstances.

If we contact them with an offer before 30/12 action will be suspended.

 

Any advice / thoughts anyone??????

 

 

Bearing in mind M & S have

  • sent me other peoples papers
  • wrote to me saying I am ignoring the debt
  • passed on to two different DCA'S
  • ignored my request three times for the original agreement to be made availabel and finally admitted it has been destoyed.
  • terminated on dodgy DN

thanks

 

CLEO

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Well - M & S have finally admitted that the original agreement was destryed - but go on to say that the copy is still enforceable.

Well they would, wouldn't they?! They seem to be totally intransigent at the moment on admitting they don't have anything enforceable. Have they actually ever sent you a copy of your own agreement?

 

Now getting letters from Gothia (redcastle) - the latest arrived to day:

I would send them away with the "why have you been passed this account when I am in dispute with the original creditor?" letter: http://www.consumerforums.com/resources/templates-library/86-debt-collectors/574-letter-when-account-has-been-passed-on-whilst-agreement-request-is-in-dispute. Adapt it to suit your specific circumstances.

 

Then send a letter to M&S asking them to do you the courtesy of dealing with the matter themselves rather than passing you round the merry-go-round of DCAs, and trying to force their hand to write off the debt or actually take you to court.

 

I had to send the DCA letter to Philips in Darlington by Special Delivery the day before Christmas Eve, and now need to write a letter along the lines I have suggested to M&S.

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Hi cleo and seasons greetings.

Well no surprises there then...It may not feel like it right now but you are actually getting somewhere...their admission finally that they have no original agreement is great news(and of course we know already the copy "application form" is pants !) so now they want to do a deal....you could if you wish make them a token offer under the guise of 3.Your Terms.

This will make them go away but do bear in mind though they will most likely refuse to clean up your credit file afterwards and even a partial settlement can still be deemed negative by lenders in future...alternatively stick with it and keep your fingers and toes crossed that the (anticipated January) findings from Judge Waxman's Mercantile Court hearings into what constitutes a "non true copy" of a credit card agreement and its enforceability are due to be announced...could be significant news for many of us...if I were really cynical I would think that M&S and their DCAs are also deeply concerned about the outcome and as a result want you to pay and pay quickly even if it is a mere % of what they say you owe ! Good luck and keep us up to date with things.

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Hi Cleo,

 

I still stand by my advice in post #130, ie wait for the Manchester cases to be decided on.

 

I also agree with Beetle's post.

 

Ignore their "offers" and treat the DCA with the contempt they deserve. There is no credit agreement so they should desist with their demands.

 

:)

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I had to send the DCA letter to Philips in Darlington by Special Delivery the day before Christmas Eve, and now need to write a letter along the lines I have suggested to M&S.

 

I'm in a similar position insofar as my account was passed to Philips just before Christmas but I have just ignored them. I normally only bother replying if I receive a second letter. In my case, Philips are acting on behalf of Collect Direct who have assumed a new name of Improved Financial Services Ltd.

 

I actually have it in writing from M&S that my agreement is uneforceable in court but that still doesn't stop them.

 

My only advice to you Cleo is not to let the letters bother you. I read on this forum recently about it being like a game of poker and it all coming down to the first party to show their hand.

 

These letters are crafted to make you "crack" and get you to offer to pay money on agreements that are essentially worthless.

 

Best of luck!! ;)

Edited by WelshMam2009
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If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

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thanks all for that - to be honest on moral grounds I won't crack. M & S have tried everthing.

 

I was also contacted by a guy who took them to court and had received exactly the same paperwork as me!!!

 

Thanks for the support

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

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

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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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  • 3 weeks later...

Hi Cleo,

 

Have you read up on the Manchester test case results?

 

Bottom line is that without a credit agreement, they should have no chance of winning any court case.

 

Write to Resolution Legal Muppets and say you have been informed that M&S have admitted the original credit agreement has been destroyed so they have no document to rely on in any court proceedings. However, if they wish to take this path, you look forward to seeing them in court.

 

In the meantime, they should be aware the a/c is clearly in dispute and, if they contact you further, you will report them to the FOS for breach of the OFT Debt Collection Guidelines.

 

:)

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cleo, if you look carefully you will see that Resolution Legal Services are just another branch of the Gothia empire. You know the score, another desk in the same office, different phone line, different headed paper, same bunch of cowboys. In fact I have had a letters from the same person on behalf of both companies (do the initials BP match yours?).

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  • 1 month later...
cleo, if you look carefully you will see that Resolution Legal Services are just another branch of the Gothia empire. You know the score, another desk in the same office, different phone line, different headed paper, same bunch of cowboys. In fact I have had a letters from the same person on behalf of both companies (do the initials BP match yours?).

hI ALL - just checking in - everything has gone very very quiet - is it the same for everyone els. However had another wonderful offer from Gothia red Castle again this - offering for us to pay £10 a week!!!!! This has been in dispute with M & S for almost two years now. We have been offered loans, threatened with court, accused of ignoring M & s and intentionally avoiding payment, then get offers of reduced debts, weekly payments - what next??????

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hI ALL - just checking in - everything has gone very very quiet - is it the same for everyone els. However had another wonderful offer from Gothia red Castle again this - offering for us to pay £10 a week!!!!! This has been in dispute with M & S for almost two years now. We have been offered loans, threatened with court, accused of ignoring M & s and intentionally avoiding payment, then get offers of reduced debts, weekly payments - what next??????

 

What next ? you ask. At least you know that there is no longer a debtors prison and they dont ship peeps off to Australia any longer. So I guess they will just recycle their previous letters.

 

If you have told them the account is in dispute with the original creditor and you have advised them to return it there in order for the dispute to be resolved, then I dont see what else you can do.

 

Have you read the following thread..

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/240186-dissecting-manchester-test-case.html

 

The original judgement should be found on the thread although many of the sections have already been broken down and dissected by CAGers.

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 Cleo...just to let you know that my unenforceable M&S account has also been passed to Gothia / Red Castle...no doubt similar letters will ensue!! :p

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

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Yes, I too got my letter from Gothia/Red Castle this week. And this is despite having written to M&S asking them to do me the courtesy of dealing with the matter themselves and not to pass me round the merry-go-round of DCAs.

 

One thing I have just noticed today though is that the M&S Credit Card has disappeared from my Experian Credit Report!

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One thing I have just noticed today though is that the M&S Credit Card has disappeared from my Experian Credit Report!

 

Strange Iain...normally you end up with 2 entries, one for the OC and one for the DCA!! However, it seems that M&S haven't sold the debts on but have just employed these monkey's to try and collect for them. :x

 

I checked my report for free with annualcreditreport at the begining of March and my M&S card was showing on there....how long have you been in dispute with them?

 

(Sorry Cleo if this is going off thread a little but the same may apply to you also!! :wink: )

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

MBNA Cards

 

CitiCard

M&S and More

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Hi Iain,

 

Perhaps you could start your own M&S thread to discuss your case, to avoid hijacking Cleo's thread, although I realise it has relevance to Cleo too.

 

Thanks :)

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Strange Iain...normally you end up with 2 entries, one for the OC and one for the DCA!! However, it seems that M&S haven't sold the debts on but have just employed these monkey's to try and collect for them. :x

 

I checked my report for free with annualcreditreport at the begining of March and my M&S card was showing on there....how long have you been in dispute with them?

 

(Sorry Cleo if this is going off thread a little but the same may apply to you also!! :wink: )

I subscribe to CreditExpert from Experian and check my report each month. It has disappeared sometime between 8th February and 8th March.

 

Hi Iain,

 

Perhaps you could start your own M&S thread to discuss your case, to avoid hijacking Cleo's thread, although I realise it has relevance to Cleo too.

 

Thanks :)

Point taken slick. However I have 8 threads relating to my unsecured loans/credit cards to start, and 2 about secured loans. That is a very large amount of scanning of letters to do, and the task seems rather daunting. A project for the Easter holidays perhaps? And then there are the 6 different bank charges claims...

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  • 3 weeks later...
Hi Iain,

 

Perhaps you could start your own M&S thread to discuss your case, to avoid hijacking Cleo's thread, although I realise it has relevance to Cleo too.

 

Thanks :)

well it's me cleo again!!! been round in one big circle. Received a recorded delivery from Gothia (Red Castle Recoveries). They say that M & S advise that all documents they have provided are legally enforceable. However they have enclosed a copy of the documents I have requested from M & S:

- copy of application for Chargecard signed in Dec 1988

- separate piece of paper (not the reverse and completely different from anything else previously) CREDIT AGREEMENT ETC (Chargecard 1989)

- another separate sheet (current terms???) with £12.00 late charges etc.

 

All of a sudden the document which they insist was the original (with 90 in the corner and funny postmark and marks etc - same as others on this site) is not there!!!!

 

Red Castle want me to ring them to discuss payment.

 

They have tried the "£10 a week payment" "discounted deal"etc but we didn't bite.

 

Can anybody help please?

 

thanks

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Hi Cleo,

 

I would just ignore Red Castle. Otherwise, you are just playing the game as they want you to.

 

:)

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  • 1 month later...
Any update on this one Cleo4patra ? Still here and subbing with interest.

Hi - haven't heard a thing since I posted on 6th April!!!!!! Haven't paid anything for nearly two years now.

 

Cleo

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  • 1 year later...

hiya cleo

 

long time i know very sorry hope you are ok, catch up soon hey have updated my ms thread if you come online happy easter and catch up soon send us a msge and im intending to log in daily now cheers angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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  • 7 months later...

hi all - haven't posted for a long time due to little going on - however have been contacted a while back by "SIGMARED" re the M & S card - first received a letter with someone elses details on it - then a letter with correct details. I wrote back explaining in dispute etc and they should never have been sent my details etc.To cut a long story short yesterday received a claim form on behalf of Sigmared (HL LEgal) for Northampton County Court - this is totally new territory for me. I realise I cannot ignore it but am unsure how to proceed. Felt like buckling and offering to pay but given that the "agreement" has been destroyed do they stand a chance of winning in court. The POC's of claim state "Monies due under a regulated agreement... M & S financila services ltd and the defendent.... The agreement terminated upon the defendants failure to comply with the terms of the agreement and the statutory notice of default served by M & S.... The claimant seeks interest pursuant to section 69 of the County Courts Act 1984 at the rate of 8% per annum from the date of issue continuing at the daily rate of 2.50. Any payments should be directed...... Then there is the total amount owed on the right hand side. This is over 10k so I am worried about costs etc. Would appreciate any help/guidance as I realise I need to send acknlowledgement of service form off. Thanks

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Hello Cleo,

 

For Sigma Red/HL Legal to start the County Court Claim against you there ought to have been an assignment of the debt from M&S to Sigma Red. That is a proper Deed of Assignment, with you having been sent a proper notice of assignment (normally you get two letters, one from both M&S and one Sigma Red). Is that what you received "a while back"?

 

Your first step as you say is the send the Acknowledgement of Service, this at least gives you 28 days to get your response back to court. I pesume we are talking the Bulk Centre since you say it is Northampton? The form should have a claim reference number, perhaps it might be an idea to phone Northampton CCBC and verify it is a genuine claim. I note you don't mention being able to complete the AoS online, which would be the case for CCBC, and I have read of companies "trying things on" by sending what look to be claim forms direct to the debtor.

 

Then next, if it is a genuine claim, and since they are speifically mentioned in the Particulars of Claim, is a CPR 31.14 request to HL Legal asking them to send you copies of the agreement, the default notice and the termination notice. They should also have mentioned the assignment in the PoC, but I don't believe you can ask for it under CPR 31.14 if they haven't mentioned it.

 

I would suggest you then do a detailed post summarising the whole of your thread, and flag that up for the attention of the site team to get someone like andyorch or Brigadier2CJS to look in and advise.

 

Oh, and finally, I did read once about the small claims limit being increased to £10k or £15k, but I'm not sure if that has happened yet or not. I'm sure someone will be able to confirm if this is so.

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Hello Cleo,

 

For Sigma Red/HL Legal to start the County Court Claim against you there ought to have been an assignment of the debt from M&S to Sigma Red. That is a proper Deed of Assignment, with you having been sent a proper notice of assignment (normally you get two letters, one from both M&S and one Sigma Red). Is that what you received "a while back"?

 

Your first step as you say is the send the Acknowledgement of Service, this at least gives you 28 days to get your response back to court. I pesume we are talking the Bulk Centre since you say it is Northampton? The form should have a claim reference number, perhaps it might be an idea to phone Northampton CCBC and verify it is a genuine claim. I note you don't mention being able to complete the AoS online, which would be the case for CCBC, and I have read of companies "trying things on" by sending what look to be claim forms direct to the debtor.

 

Then next, if it is a genuine claim, and since they are speifically mentioned in the Particulars of Claim, is a CPR 31.14 request to HL Legal asking them to send you copies of the agreement, the default notice and the termination notice. They should also have mentioned the assignment in the PoC, but I don't believe you can ask for it under CPR 31.14 if they haven't mentioned it.

 

I would suggest you then do a detailed post summarising the whole of your thread, and flag that up for the attention of the site team to get someone like andyorch or Brigadier2CJS to look in and advise.

 

Oh, and finally, I did read once about the small claims limit being increased to £10k or £15k, but I'm not sure if that has happened yet or not. I'm sure someone will be able to confirm if this is so.

thanks so much - the form is as you summised from the Bulk Centre and there is an online address to reply if needed and a claim number and password. My concern is due to the amount being 10k plus that it is a different ball game and being a novice we shoot ourselves in the foot. Also once we go down that road there is no going back? All that said I feel we should challenge due to having being sent other peoples documents in the post etc - I requested sight of the original agreement and said I would visit a store to see it and that's when they wrote saying it was not available as it had been destroyed. I need to check documentation etc for a NoA - I think we got some letters in Jan 2012 which was when we were sent someone else's details and then a letter of apology

 

thanks

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