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    • Hmm, so.. basically have to rely on the default notice not containing all that it should and the claimant misleading the court for the reason for the application.. and judge lottery : /
    • Which would require a hearing....so the fee would be £255.00
    • When providing a copy of an executed agreement in response to a request under section 78(1) of the Act:   a.     must a creditor provide a photocopy (or other form of complete copy) of the original agreement that was signed by the debtor or at least provide a copy which is derived directly from the original agreement or complete copy thereof? or b.     can a creditor provide a document which is a reconstitution of the original agreement which may be from sources other than the actual signed agreement itself?   It was held that a creditor can satisfy its duty under section 78 by providing a reconstituted version of the executed agreement which may be from sources other than the actual signed agreement itself.   The judge accepted that as a matter of law, section 78 does not itself require any particular explanation as to how the copy was made. However, as a matter of good practice and so as not to mislead the debtor, it is desirable that the creditor should explain that it is providing a reconstituted as opposed to a physical copy of the executed agreement. This will also explain why the copy might otherwise look a little odd. The creditor can also explain in the letter that this procedure is satisfactory under the Act. The judge also provided that the following information needs to be included in the reconstituted copy agreement (assuming of course that it was present in the original):   1.     Heading: Credit Agreement regulated by the Consumer Credit Act 1974 2.     Name and address of the debtor 3.     Name and address of the creditor 4.     Cancellation clause applicable to the executed agreement.   All of the above may be provided on a sheet which is separate from the full statement of terms and conditions which also forms part of the reconstituted agreement. The creditor may, however, decide to reconstitute the agreement in a different way so that, for example, the information above is populated electronically onto the same sheet as that which sets out the terms and conditions, or some of them. The judge stated that he did not intend to prescribe the precise form of the reconstituted agreement. The key point is what information it should contain, subject to the point that its format should not be such as to mislead the debtor as to what he agreed to.   The judge also considered whether a statement like the one appearing in the reconstructed application form in Carey referring to the agreement to the terms and conditions "attached" needs to be included in the reconstituted copy. Alternatively if the application form had said "I agree to the terms overleaf", should that statement be included. The judge held that this aspect of the form is not necessary for the purpose of the section 78 copy, although there is nothing to stop a bank from putting it in or indeed from furnishing a copy of the type of application form or signature page that the debtor would have signed, as some banks have done. The statement referring to terms and conditions is not itself prescribed information and the supply of the terms and conditions which were applicable at the time will tell the debtor what he needs to know in terms of the content of what he signed up to, including the presence (or otherwise) of the prescribed terms.   In practical terms what this is likely to mean is that if the creditor chooses to use as the section 78 copy the section 63 copy, which would have been provided to that particular debtor at the time following execution of the agreement, this will be sufficient provided that the information referred to above is supplied. This exercise is not a mere formality. The creditor will need to check carefully that the details of the debtor at the time are correct and that those are the particular terms (including prescribed terms) that he/she agreed to. This is to ensure that it is an honest and accurate copy.   Must a creditor provide a document which would comply (if signed) with the requirements of the Consumer Credit (Agreements) Regulations 1983 (Regulations) as to form, as at the date the agreement was made in order to comply with section 78?   A creditor need not, in complying with section 78, provide a document which would comply (if signed) with the requirements of the Regulations as to form, as at the date the agreement was made.   Must the copy provided under section 78 include the debtor's name and address as at the date when the agreement was made, and if so in what form? The section 78 copy must contain the name and address of the debtor as it was at the time of the execution of the agreement. But the creditor can provide the name and address from whatever source it has of those details. It does not have to take them from the executed agreement itself.     If an agreement has been varied by the creditor under a unilateral power of variation, is a copy of the executed agreement as varied, a sufficient copy for the purposes of section 78(1), or must the creditor provide a copy of the original agreement as well?   If an agreement has been varied by the creditor under a unilateral power of variation, the creditor must still provide a copy of the original agreement, as well as the varied terms.     As your agreement is post April 2007  Section 61(1)(a) and 127(3)   Consumer Credit Act 1974 would not apply.   Andy
    • well start a new thread for the court claim.   as for this one i'd await the letter of claim  
    • Useful information...   And....   https://www.justice.gov.uk/courts/procedure-rules/civil/rules/part55
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Worriedme123

Arrow global court claim. Please help.

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After receiving a court claim from B. Carter on behalf of Arrow Global through Northampton BCC I sent a defence and Carter backed off. Today I have received notice of change of soclicitor from AG along with a letter stating that the requests made in my defence were unreasonable and telling me who the original debt was with and when the card was taken out and when the last payment was made. They also state they have requested documentation from the original creditor. What do I do now please. This is the first time I have ever had to deal with anything like this and I am out of my depth.

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I think you are OK. But a good start will be to post up the particulars of claim (word for word but with identifying details removed and amounts rounded up) and your defence the same way.

 

Ignore their comments on your defence for the moment. It sounds like you have them rattled and on the back foot to me...

 

P.S. I will ask the site team to move your thread to the legal issues forum where the experts hang out. You should get better advice there.

Edited by Bandit127

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Thread moved to the Legal Forum where the guys will be happy to help as soon as they are available.


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Thank you. The particulars are. The claimants claim is for the balance due under an agreement which is now all due and payable.

The defendant agreed to pay monthly instalments under account number ************* but has failed to do so.

 

And the claimant claims the sum of £499.00.

 

The claimant also claims interest theron pursuant to S.69 county court Act 1984 limited to one year to the date therof at the rate of 8% per annum amounting to 0.00.

 

For my defence I used this template.

 

1. The defendant has no knowledge of entering into any form of purchase agreement with the claimant and is embarrassed by the lack of detail supplied within the claim. Having no knowledge of any sales/purchase agreement for "goods" supplied and delivered to the defendant by the claimant the defendant is unable to either admit or deny anything which is not expressley denied within this defence.

 

2. The defendant denies ever purchasing goods from the claimant.

 

3. The defendant denies ever receiving goods from the claimant.

 

4. The defendant puts the claimant to strict proof of the following:-

(i) That the defendant purchased goods from the claimant.

(ii) The date(s) of any such alleged purchases.

(iii) The delivery times of these alleged purchases.

(iv) The delivery addresses of these alleged purchases.

(v) Proof of a purchase/sales contract between the defendant and the claimant.

 

5. Prima facie the Claimant knows or ought to know that there is no contract between the Defendant and the Claimant for the supply of goods as pleaded, therefore the Claimants claim is speculative and furthermore amounts to an absolute abuse of the process. Accordingly the Defendant avers the Claim ought to be struck out as an abuse as the Claimant holds no cause of action and therefore the Claimants conduct is unreasonable in bringing a claim without foundation.

 

6. The Defendant seeks the Claimants claim to be dismissed with an order as to costs thrown away in favour of the Defendant.

 

Statement of Truth

I, INSERT NAME HERE, the Defendant believe that the facts stated in this Defence are true.

Signed …………………………………………

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If you could provide a little more history Worried.

 

Do you recognise the debt now that the assignee has confirmed what the debt is? How old is the debt and when was the last payment made to the account?

 

Regards

 

Andy


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The debt is from about 5 years ago and last payment was apparently made about 4 years ago. I still am not sure of thid debt, I don't remeber having this card they say I owe on.

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I would now wait to see if the Claimant wishes to proceed....this will be confirmed by way of the claim being transferred to your local CC and you will receive an AQ. If not the claim will be stayed.

 

Regards

 

Andy


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Received and AQ but have no idea how to fill it out. I am still awaiting a reply to my s78 request.

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So the claimant is proceeding..hence the AQ. N149... or N150?

 

What date must it be submitted by?

 

Andy


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