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    • Yes, you should have applied for an immediate strike out as soon as the deadline expired. Without the agreement, they are stuffed Forget Barclaycard, Asset link is now the creditor, and it is down to them to provide the agreement.  That needs to go into the witness statement. They have not provided the agreement contrary to directions of the court and request the court strike out the claim as to the original court directions.
    • I did not receive a notice via post but in my claim status it shows my claim was transferred to a court I requested in my DQ, as it is closer to me.    Defense I filed:  1.       The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2.       The defendant paid the lead tenant a fixed sum monthly bill without fail for the extent of the rental period of the accommodation their contract was associated with who was responsible to make payments to the claimant, ending in June 2023. 3.       After moving out, a month later, the claimant wrote to state that an outstanding sum existed. Further stating, as one of the 10 tenants at the time, I now owed them the full sum instead of my 1/10 proportion of said debt, as 10 students were at the dwelling. They also intimated that they were legally allowed to charge me the full sum if the other renters were not to pay their share under some equal and joint severity rule. 4.       Despite sending numerous requests prior to the court claim being raised for copies of said bills for said utilities covered by the agreement, the claimant failed to send any clear bills. This included a CPR 31.14 on xx/xx/xxxx sent via post. 5.       The defendants stress that they acted in good faith to settle the outstanding balance, as evidenced by the confirmation received from the claimant.  Any subsequent demands for additional payments are unwarranted and contradict the claimant's previous acknowledgment of settlement. 6.       Pursuant to OFGEM code of back billing rules the alleged charges relate to charges which have not been billed correctly by Co-operative Energy and are therefore prevented from charging. With the court’s permission the Claimant is put to strict proof to: - a) show and disclose how the Defendant has entered into an agreement. b) show and disclose how the Claimant has reached the amount claimed. c) show how the Claimant has the legal right, either under statute or equity to issue a claim. 7.As per Civil Procedure Rule 16.5 (4) it is expected that the Claimant prove the allegation                  that the money is owed. 8.It is therefore denied that the defendant is indebted to the claimant as alleged or at all.
    • Paint is a free programme on any Windows PC. But don't worry, the choice here is not either perfection or nothing. As you say, use your scanner, save the file ... and then use the "choose files" option when you post to CAG to add the file. We can do all the redacting and converting to the correct file type at this end.  The important thing is just to get the info to us. Why not do an experiment this afternoon and see if the above works?  
    • I see they're trying to round up asylum seekers and lock them up for about three months so they can be put on planes to Rwanda. I'm a bit surprised that this is legal.  
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BOS no reply. panicing about court!


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Just wandering if anyone else has had no reply from BOS? I've sent the LBA and the 14 days expires on Monday!! so i'm getting a bit nervous of the prospect of going to court. half of me wants to just forget about it but i am claiming £2300.00. i think most of the worry is the fact i know nothing about the court system.

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Hi

 

Don't worry about going to court. BOS settled my first small claim within 5 days of me receiving notification from the Sherriff Court of the return date for the action.

2nd small claim lodged with a return date of 7th December, so fingers crossed for a similar outcome - it will then be time to lodge number 3 ....

 

The banks don't want to go to court if they can avoid it - the reason given in my letter was

"on a purely commercial basis, it will cost Bank of Scotland money to defend your claim in terms of the legal costs (even if the bank wins) because your claim will probably be allocated to the small calims track, in which costs are not generally awarded"

 

L

BoS-sm claim1 return date 23.11.06

£633.12 settled 05/10/06 (no 8% interest!!!)

BoS-sm claim2 return date 07.12.06

£512.00 settled 04/12/06

BOS - sm claim 3 lodged 02.11.06 for £701.86

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File a claim, they will not take you to court.

 

Best wishes.

 

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Recieved a letter today, starting:

 

Further to our letter of the 26th September. I'm sorry that you have not yet had a full response to your concerns.

 

We're still investigating your complaint, and you will recieve a response from us as soon as possible, but certainly no later than 17th November 2006.

 

The thing is this is the first letter i've recieved since the statements so god knows what letter they're talking about.

 

L.B.A deadline expires today so i'm going to file the claim tomorrow!!

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Good Luck,

 

Keep us posted.

 

Best wishes.

 

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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thats it i've handed the summary cause in. The women made me ammend a few things. The amount in section 4 on the first page is the total amount (charges and interest), not including court costs. i also had to add into section 7 the amount i was cliaming i.e £1050.00 charges plus £375.18 interest.

 

Overall think it went quite well. i asked the staff down there about reclaiming bank charges and they said alot of people had been down there already. she added the banks always paid up rather than go to court.

 

so i've just got to wait now for the court stuff to arrive, then i have to have a sheriff officer issue the summons.

 

feel more reassured now and i'am no longer fearing the prospect of going to prison.

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Hi

 

I too have had no contact from BOS since my LBA on 28.09.06 I have been away for a week or so, so my action has lost a bit of momentum. Now I am back, I too am a bit apprehensive of the next move.

 

I am claiming about £2K, so will not be leting it go. I think that is what they are hoping for by burying their heads in the sand over this.

 

I am going to get small claims forms tomorrow!

 

Martin

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