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    • Hi, If they haven't followed the court's directions there will be little tolerance of the court. Anyway please can you upload a copy of the court paperwork
    • 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?  
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The Hounds @ MMF / Motor Mile Finance


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Totally agree Brig

Which is why I'm a tad sceptic about the letter :-\ if you can understand why ^_^

 

Do you think this should be flagged for future reference?

Personal reasoned opinion.

 

NO, it appears to me from the tone of the 'solicitors' letter that he is being fed only the information that his masters want action upon and has NO idea of what has gone before, this has been a scenario with may companies in the past, puppet solicitors kept in the dark.

 

The easiest comparison though not in house is Carter who is 'instructed' on cases that are SB or otherwise unen and has to withdraw when a defence is put forward.

 

Challenging this 'solicitor' now and laying all the 'real' facts before him could be very effective, it certainly can do no harm!!

Edited by ims21

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Well the envelope came in handwritten and also the letter looks like its had a mail merge done to it because of the "Creditor >" Element.

Oh Bryan Carter.... Wouldnt i love to see him drown in Pighsh*t... Wait no thats ... not enough ^__^

 

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Well the envelope came in handwritten and also the letter looks like its had a mail merge done to it because of the "Creditor >" Element.

Oh Bryan Carter.... Wouldnt i love to see him drown in Pighsh*t... Wait no thats ... not enough ^__^

 

Amateurish as usual. I say let's lay the facts in front of the puppet solicitor (if he exists:madgrin:)

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Agree :)

 

I'll go through the thread in detail and collate the information is date order and bullet point each MMF item will leave blanks for dates Refs etc., for you to fill I, if not completed today will post up tomorrow PM.

Edited by ims21

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Thanks Brig... Lets see how this goes... ^__^

Youve already seen the 2 letters they have sent claiming "These re the CCA Agreements"

 

Also no rush :)

 

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For Info;

 

Law Society Records:

 

Chatrath, Neal.

 

ID:366646

Admitted: 01/09/2011

 

Spec: Banking Law

Business Affairs (whatever that means?)

Commercial Litigation

Comm. property

Convey: Residential.

 

Higher Audience NO:

 

Sounds like lower level fee earner/salaried.

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Interesting.... Surely they would invest in the best commercial litigants?

Edited by fkofilee

 

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Thanks Brig... Lets see how this goes... ^__^

Youve already seen the 2 letters they have sent claiming "These re the CCA Agreements"

 

Also no rush :)

 

I don’t think those letters actually claim to be the CCAs – they simply list the accounts. Did you actually part with your £1 per agreement, requesting the CCAs? It’s not clear that you did.

 

Either way, as I mentioned earlier, your sole action here should be to simply state that the original creditor is the victim of identity fraud and they have bought lemons. You are not the victim here, so you have to report nothing. The police wouldn’t do much anyway – their bluster in the letter about how the police will check your ID is so blatantly intimidating as to border on harassment. Interesting how they can tell the police what to do. Again, misrepresenting the legal position.

 

State that if they do take legal action, you will counterclaim for exemplary damages.

 

The ‘solicitor’ (clearly a rubbish one) is misrepresenting the true legal position as he is aware of a valid dispute on the account. That’s worthy of a complaint to the SRA. Should pee him off a bit.

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I don’t think those letters actually claim to be the CCAs – they simply list the accounts. Did you actually part with your £1 per agreement, requesting the CCAs? It’s not clear that you did.

 

Either way, as I mentioned earlier, your sole action here should be to simply state that the original creditor is the victim of identity fraud and they have bought lemons. You are not the victim here, so you have to report nothing. The police wouldn’t do much anyway – their bluster in the letter about how the police will check your ID is so blatantly intimidating as to border on harassment. Interesting how they can tell the police what to do. Again, misrepresenting the legal position.

 

State that if they do take legal action, you will counterclaim for exemplary damages.

 

The ‘solicitor’ (clearly a rubbish one) is misrepresenting the true legal position as he is aware of a valid dispute on the account. That’s worthy of a complaint to the SRA. Should pee him off a bit.

 

All very very valid points from you Donkey :)

I dont see why i should have to go to the police on this one... Its ridiculous..

 

But if it has to be done it has to be done... Ive already said something about this to the police a while ago but this company do take the entire Cake!!!!

 

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Okay update.

 

After a quick phone call to establish the status of the accounts and if they are frozen currently. They said no and it's been transferred to their legal team?!

 

I don't know whether this is a pressure tactic or not. I refuse to cave in.

 

BRIG... Any ideas on this one?

 

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Ahhh the 'legal team' of one Neil Chatrath:madgrin:.

 

Only seen one letter from him so far! Doesn't seem to have much history/experience.

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Hi Brig

 

I reported it to actionfraud... Although i couldnt give them much information :/ For that reason i dont think they will beable to investigate it

MMF Advised "Ill get our complaints manager to contact Actionfraud this afternoon?!?!?"

 

If Mr Ellisshaw has nothing better to do these days :/

 

Brig do you ever have time to write that letter?

Edited by fkofilee

 

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