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    • okay, perfect and thank you so much for the help once again. so firstly i am going to initiate the breathing space, during this time it's likely ill receive a default. when i receive the default are you aware of how long it will take for me to know whether the OC have sold it off to DCAs? Once it's with the DCAs i do not need to worry as they cannot issue a CCJ only the OCs can Even if i decide to come an arrangement with the DCAs no point as the default will remain for 6 years paid or not paid I should only consider repayment if the OC still won the debt and then issue a CCJ? Just to confirm the default will not be seen after 6 years? No one can tell I had one then after 6 years ill be all good?
    • I'm not sure we were on standard tariffs - I've uploaded as many proofs as I can for the ombudsman - ovo called last night uping the compensation to 100 from 50 pounds for the slip in customer service however they won't acknowledge the the problem them not acknowledging a fault has caused nor are they willing to remedy anything as they won't accept the meter or formula was wrong.   I'd appreciate more details on the economy 7 approach and I'll update the ombudsman with any information you can share. 
    • To re-iterate and highlight my urgent question on this one: The N24 from the court did not include any instructions to submit paperwork 28 days before the date, unlike the N157 received for other smaller claims. Do I have to submit a WS for this court date? Link has!...
    • No, reading the guidance online it says to wait for a letter from the court. Should I wait or submit the directions? BTW, I assume that the directions are a longer version of the particular of claim accompanied by evidence, correct?
    • Thanks for opening, it's been another rough year for my family and I've procastinated a little.. Due to the age of my defaults on this and other accounts (circa 2021), I really need to avoid a CCJ as that will be another 6 years of credit issues. Mediation failed as I played the 'not enough info to make a decision' however during the call for some reason they did offer settlement at 80%, I refused. this has been allocated to small claims track, court date is June 3 and I've received their WS. I'm starting on my WS. They do appear to have provided everything required of them (even if docs could be reconstructions). Not really sure what my argument is anymore but I do want to attend court and see this through. Should a judgement be made against me then I will clear the balance within 30 days and have the CCJ removed - this is still possible isn't it? I'm going to be reading up today and tomorrow and hope you can provide me some guidance in the meantime. Wonder what your advice would be given the documents they have provided? I am now in a position to clear the debt either by lump sum or a few large installments - Is this something i should look into at this late stage? Thanks as always in advance
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Quidmarket issue Claimform


mikem4491
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Well in that case you need to check with CCBC see if they have claimed default Judgment for failing to submit your AQ

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Yes if you have proof you posted it...but why not check first then we dont have to crystal ball gaze mikem

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So you made an admittance...hence to auto judgment..game over mikem.

 

Regards

 

Andy

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Did I?

 

My defence which you referred to as fine was:

 

The first part is admitted with regards to requesting a loan of £xxx which was received into my bank account on the xxx xxxxx 2012 The T&Cs agreed plus interest of £xx.

The second part is denied the Claimant has consistently harassed me via Text/Email and phone calls to my place of Employment causing severe embarrassment and stress.

The third part is denied and it is contended that only one months interest is due,rendering the total default out standing as £xxx.

Any claim to further interest is denied and are subject to the Unfair Terms in Consumer Contracts Act and therefore cannot be disproportionate.

 

Where is the admittance????

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Apparently the AQ was received, the case was escalated to the judge who has said I have to pay the "admitted amount".

 

I dont know mikem you need to query that with the Court and wait until you get notice of Judgment.If there has been a court error you can set a side the judgment and re defend.

 

Regards

 

Andy

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Ok letter from the court received:

 

IT IS ORDERED THAT

 

1. There be judgement for the claimant for the admitted amount of £450.57.

2. The claimant file and serve a statement of account by 1 April 2013.

3. The defendant must thereafter file at court and send to the claimant an explanation of why he disputes the balance.

 

I never admitted any amount and my defence details why I dispute all the claim.....

 

What should I do now?

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Hi,

 

Is this not a partial admittance? 'The third part is denied and it is contended that only one months interest is due,rendering the total default out standing as £xxx.'

 

G

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Thats what I am unsure about but was advised this defence was fine.

 

However the final line of the defence states that: "By reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief."

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Hi,

 

I am not legally trained but thought that the statement may have caused confusion at court

 

I will let others more legally minded answer or verify if 'partial admittance' has been done

 

Good luck

 

G

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Ok letter from the court received:

 

IT IS ORDERED THAT

 

1. There be judgement for the claimant for the admitted amount of £450.57.

2. The claimant file and serve a statement of account by 1 April 2013.

3. The defendant must thereafter file at court and send to the claimant an explanation of why he disputes the balance.

 

I never admitted any amount and my defence details why I dispute all the claim.....

 

What should I do now?

 

 

There is something a miss here if the court has granted judgment for the amount claimed then why would he request or need points 2 & 3 ?

 

Ring CCBC and ask what the hells going on...there is no admittance to the amount claimed.No point filing an AQ if there is verdict without trial.

 

Regards

 

Andy

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Ah you hadn't posted it had been transferred...can you give details of The Notice of Allocation? (verbatim)

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Heres my NOTICE OF TRANSFER OF PROCEEDINGS

 

To all parties:

 

This claim has been transferred to the below County Court for allocation. On receipt, the file will be referred to a procedural judge who will allocate the claim to track and give case management directions. Details of the judges directions will be sent to you in a notice of allocation.

 

If you would like any further information you can contact the local court directly but please await the Judge's directions.

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So the DJ did not issue directions or request a CMC and opted to declare verdict without either parties involvement....something a miss here and as already stated why would he request points 2&3 if judgment has been granted?

We could do with some help from you.

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Have you received this " Details of the judges directions will be sent to you in a notice of allocation." ?

We could do with some help from you.

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Ok letter from the court received:

 

IT IS ORDERED THAT

 

1. There be judgement for the claimant for the admitted amount of £450.57.

2. The claimant file and serve a statement of account by 1 April 2013.

3. The defendant must thereafter file at court and send to the claimant an explanation of why he disputes the balance.

 

I never admitted any amount and my defence details why I dispute all the claim.....

 

What should I do now?

 

 

Mikem what notice is this supplied on is a N24 General form of judgment or Order?

We could do with some help from you.

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And at the bottom Court reference stationary number?

We could do with some help from you.

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