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Capquest/restons claimform - old Shop direct CAT 'debt'


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Evening all.

 

Got a shock moneyclaim today, for a debt from a very long time ago.... assigned to the DCA in early 2011.

No idea on the breakdown of the alleged debt. It was such along time ago and I've lived in a caravan for much of the time since then!

Can I assume that its statute barred?

I'm really rusty at all this. I'm also worried I'm now going to get a barrage of similar stuff :(

 

this crap made me really ill last time.

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Please will you post up the claim in PDF format.

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Hi Crush,

 

Thread moved to Financial Legal Issues.

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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Hello. Yes it's fine to post them here but of course you should redact them for their identifiers.

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Name of the Claimant ? capquest investments limited

 

Date of issue – 21 Nov 2016

What is the claim for –the claimant claims payment of the overdue balance due from the defendant(s) under a contract between the defendant(s) and Shop Direct dated on or about XX XX 2009 and assigned to the claimant on XX 2011

 

Particulars A/C no XXXXXXXX

 

Date Item Value

 

default balance XXX.XX

post refrl cr nil

 

total XXX.XX

What is the value of the claim? £500

 

Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Cat Debt

 

When did you enter into the original agreement before or after 2007? 2009

 

Has the claim been issued by the original creditor

or was the account assigned and it is the Debt purchaser who has issued the claim. Capquest

 

Were you aware the account had been assigned – did you receive a Notice of Assignment? No. At least I don't think so.

 

Did you receive a Default Notice from the original creditor? I can't remember

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No

Why did you cease payments? financial difficulties

 

What was the date of your last payment? I'm not sure, Ive lost a lot of my paperwork from that date.

 

Was there a dispute with the original creditor that remains unresolved? No

 

Did you communicate any financial problems to the original creditor

and make any attempt to enter into a debt managementlink3.gif plan? No

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Register on mcol website

Then log in

Acknowledge the claim [AOS]

Defend all

Leave jurisdiction untucked

 

Get a CCA request running to the claimant

Get a CPR 31:14 running to the solicitors

 

Don't sign anything

Leave the £1PO blank and uncrossed

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 3 weeks later...

just don't miss filing the holding/no paperwork defence whatever happens by day 33 whereby the claimform date is ONE in the count,

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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:rockon::rockon::rockon:

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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don't tell me restons?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Do I just press on regardless?

 

Yes...defence next.

 

Andy

We could do with some help from you.

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With reference to other threads, I think this will do....

 

Particulars of Claim

 

1.The claimant claims payment of the overdue balance due from the defendant(s) under a contract between the defendant(s) and Shop Direct dated on or about XX XX 2009

 

2. Assigned to the claimant on XX 2011

 

Particulars A/C no XXXXXXXX

 

Date Item Value

 

default balance XXX.XX

post refrl cr nil

 

total XXX.XX

 

1. The Defendant contends that the particulars of claim are brief, 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 claimants first paragraph is denied with regards to the Defendant owing any monies to the Claimant. The claimant has failed to provide any evidence of contract or breach as requested by CPR 31.14 and is in default of a Section 77 request.

 

3. The second paragraph is denied the Claimant is put to strict proof that a notice of assignment was issued to, and received by the Defendant. The Defendant maintains that a notice of assignment was never received. Regarding paragraph 2, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer creditlink3.gif Act 1974.

 

4. On receipt of this claim, I the Defendant sent a request under the Consumer Credit Act 1974, by way of a section 77 for a copy of the agreement and payment of the statutory fee of £1.00. The claimant has refused to comply with my request.

 

5. As per Civil Procedurelink3.gif Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed and evidence any breach and notice of breach by way of a default notice or notice of sums in arrears.

 

Therefore the Claimant is put to strict proof to:

 

(a) show how the Defendant has entered into an agreement; and

(b) show how the Defendant has reached the amount claimed for; and

© show how the Claimant has the legal right, either under statute or equity to issue a claim.

 

6. 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.

Edited by Andyorch
Particulars added for cross reference
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Its fine apart from your point 1 HB..its does not respond directly to the claimants pleadings.

 

1.The claimant claims payment of the overdue balance due from the defendant(s) under a contract between the defendant(s) and Shop Direct dated on or about XX XX 2009

 

I would suggest something along the lines of ...

 

1.Paragraph 1 is accepted.I have in the past had a contractual relationship with Shop Direct however I do not recall the precise details of the agreement nor am I aware of any outstanding balance.I have therefore sought clarity by way of a CPR 31.14 and Section 78 request.To this date the claimant is and remains in default of my requests.

 

Regards

 

Andy

  • Haha 1

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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