Blake Lapthorn Northampton Court - Urgent

[ims21]

Your defence will be on the charges and associated interest.

 

I'll bring your thread to the attention of the more "Legal" guys who will be able to help you with the defence.

 

As long as you acknowledge and tick defend then you will have until the 18th Feb to submit the defence which you can do online.

[DARCYS]

Hi ims21,

I'm afraid I failed with the Mac download. I'm just left with the original £810.00 charges I say 'only', but you know what I mean.

 

Thank you for your most recent advice and offer to alert the 'legal' guys.

 

One question before I fill anything out online. Am I right to assume it's the same form online as on my paper copy? On the back of my paper copy it says:

1. I intend to defend all of this claim

2. I intend to defend part of this claim

3. I intend to contest jurisdiction.

 

Am I ticking number 2 - I intend to contest part of this claim?

 

I'm really sorry to be so dumb, but I'm really quite nervous about filling something out wrong and not being able to rectify my mistake.

Thank you for everything.

Kind regards

D

[DARCYS]

Sorry, but if there's anyone about who can advise I'd really appreciate it.

I'm on the MCOL page & it asks if I'm defending all or part of the claim.

I do have a debt to MBNA or Arrow, but as I mentioned there are substantial charges here & I don't know whether to tick all or part of the claim online.

Thank you.

D

[ims21]

I would leave it until tomorrow to fill it in...it is going to be a bit quiet here overnight now and you have until 4th Feb to do it.

 

As far as the interest calculations go, there are some online compound interest calculators you could use... Google "Compound Interest Calculator"

[DARCYS]

Okay, will do ims - many thanks again - you've been brilliant.

Kind regards

D

[DARCYS]

I don't know if it's at all relevant, but after trawling through all my paperwork I have found:

 

Letter from Westcot Credit - Client Arrow Global MBNA - dated 7th June 2010

Letter from Westcot Credit - Client Arrow Global MBNA - dated 22nd June 2010

Letter from Rockwell Debt Collection - Client Arrow Global - dated 16th March 2012

Letter from Rockwell Debt Collection - Client Arrow Global - dated 5th April 2012

Letter from Fenton Cooper - Client Arrow Global - dated 8th May 2012

 

But no letters from Arrow Global at any point strangely.

 

D

[42man]

If you defend part of it you will still get a CCJ......do spend some time reading around these forums and you will certainly become more empowered.

[DARCYS]

Thank you 42man,

I will have a good look around the forum again. I have read many threads, but I get muddled to be honest and probably overthink everything.

Thanks for your help.

Kind regards

D

[ims21]

You may need to change the date format in your Excel program to the british version i.e. dd/mm/yyyy

[creditcardmug]

Suggest you go on MCOL and file AOS defend all, can you post up the agreement and the default notice that was sent to you, make sure you blank out anything that could identify you

[DARCYS]

Sorry ims21 and creditcardmug,

I've been at work so only just got to your suggestions. Thanks so much.

 

Typically my scanner was on it's last legs and won't work! I'm going to try to get it up and running and then I'll scan the documents & someone who knows what they're looking for will hopefully have a good look for me. If I can't get it working I'll be trotting off in the morning to get a new one.

 

I filed my acknowledgement, but as it was after 4 pm it said it will be processed on the next day the court is open. Will this be Monday? And as this is the 4th - is this not too late?

 

Kind regards

D

[ims21]

You have until close of court on Monday 4th so if you have your electronic confirmation of receipt you will be OK.

[DARCYS]

Thanks ims21 - of course - my brain just isn't functioning...it's still in shock, I think.

Either that or I am trying to win 'Dumb Forum Member of The Year'. I feel I am a very strong contender & show great promise to win it

 

Kind regards

D

[creditcardmug]

just to recap, you have filed AOS defend all, if so you have 28 plus 5 days to file your defence so 33 days from the date the claim was issued (at the top of the 1st page of the claim form) ill post some more in a bit, the site kicks me off iff i type too much in a post????

So you can go and have a drink and chill a bit and look again omorrow in earnest lol

[creditcardmug]

I see ims and others are advocating defence re unfair charges etc, however i am not au fait with this, i am thinking they may not have an agreement compliant with CCA, and may not have served a valid Default Notice, either or both of these would be a defence in itself, you can still include the charges issue subseqently if nessesary, thats why you need to post up any agreement/default notice they may have sent you, so we can see whether there is any milage in going down this route. bear in mind the other side are looking at these posts all the time, so make sure you dont include anything that could identify you to them. i see andy is on line hope he sees this:wink:

[MrHat]

There are similarities between this and my arrow/mbna thread. It's a long read but worth it. Have a read

[DARCYS]

Thank you Mr. Hat - I read as much of your thread as I could. You and the other guys have done brilliantly.

I'm so sorry for my delay in responding.

This has been hanging over me but my lack of confidence on what to do has stopped me from doing anything. I am very nervous that I'm going to make a mistake. I make a lot of these...

 

What I'm trying to say is: I'm not sure what I should do next.

Please could anyone advise?

 

Kind regards

D

[DARCYS]

I don't know if it's helpful to post these images. This was my credit card agreement that I received. It was printed on both sides of an A4 sheet but only took up approx a third of the paper.

 

I'm sorry they're so small. They are the actual size of the photo copy I received from MBNA.

 

 

 

Does anyone have any suggestions as to what I might need to do?

Thanks in advance

Kind regards

D

[AndyOrch]

Darcy you need to scan and convert your images to pdf. Remove any identifiable data before uploading.

 

Andy

[DARCYS]

Oh, Andy - thank you so much for replying.

I'll try to convert them now & be right back.

Thank you for your help.

Kind regards

D

[DARCYS]

I don't know if this will work. Neither imageshack or photobucket would let me import a PDF file.

Oh gosh...I'm panicking

[DARCYS]

Yes - I think it worked!

 

Here's number two (hopefully).

These are the actual size - I'm sorry they'r so small.

 

 

http://img254.imageshack.us/img254/7352/scan2b.jpg

 

I really hope these show.

Thank you so much everyone who can help me.

Kind regards

D

[DARCYS]

Sorry, does anyone have any suggestions as to what I do next...I'm a bit lost despite reading other posts.

Thanks

D

[MrHat]

Right, had a read through this. Ideally you need someone with more expertise that me but let's see what we can do for now.

 

1. Am I right in thinking you acknowledged service online in time and chose to 'defend all'

2. In your own words, what is the basis of your defence. Just a short sentence will do

3. Are you aware that you need to file a defence by monday (18th) at 4pm and have you drafted something

4. Have you now managed to calculate the charges + interest

[DARCYS]

Hi MrHat - thank you for responding to me.

1. Yes, I acknowledged service online and chose to defend all. I thought this was the right thing to do. Did I get this wrong?

2. I know there are a significant number of charges in the amount being claimed.

3. Yes...and no. Yes, I'm aware but No, I haven't drafted anything as I don't know how to. I'm sorry for being stupid. I have to be honest, I am completely afraid of this. Sorry.

4. No, I haven't been able to calculate the charges including interest, because the spreadsheet didn't seem to like my Mac formatting. I did try a lot, but no joy I'm afraid & I gave up.

The amount of the standalone charges (without interest) was £810.00

 

Thank you for your kindness.

D