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    • if you wish to put up everything like    your defence claimants WS defendants WS   then im sure those here now and future victims will find it of value   if you read upload carefully you'll see its best to upload each as a separate multipage PDF but ofcourse you'll have to redact each page as a jpg picture 1st before merging each to the relevant multipage pdf .   dx  
    • Thanks I’m happy to put something back ! I didn’t have the courage of my convictions to counter claim even though I was really quite proud of the thoroughness of my court bundle ! i really wanted the opportunity to get into the detail with the judge and felt quite cheated when it ended, but of course I realised that they had just moved on to their next victim  will watch this space 👍  
    • I have created your own topic for this as its import to have it own one but placed a link on the thread you posted on.   you should never counterclaim that exposes you to further cost and rarely succeeds esp if they disc' the claim always best to state in a sep letter you will be seeking costs esp loss of days wages at £90 which most judges allow.   as for an sar, its p'haps always better to issue a cpr 31:14 too or in replacement of, an sar.   well done on your important win
    • My wife has directed me to post on this thread as I have just successfully won against these charlatans   My hearing date was all set at my local court for 31st October 2019 all defence papers were filed and served and frankly I was really looking forward to it! This morning I received a letter from BW legal stating in a one line response that I was to take this letter as a notice of discontinuance whereby the claimant KBT (armtrac) discontinues all of the claim. I am beyond disappointed that I didn’t get my chance to see these idiots across a desk! And that’s it I don’t appear to be able to take this further? I now realise I should of had the courage of my convictions and faith in the advice of others to issue a counterclaim! What I have now in my possession is a file of information which would be Gold-dust to the next person in my position! I feel like I would be able to get some sort of closure if I could pass some of this wisdom on but there are many posters here already and every case is different in its own way The key points in my defence were as follows and useful to anyone ‘caught’ at Sandy Acres. Keep the original parking ticket you purchased and send a copy to KBT with a covering letter ASAP do not identify the driver at any stage of the process!!!!  The blue sign uses the word penalty which is contrary to the IPC codes of practice  The red and white sign has a café open sign in front of it  which obscures it from the drivers view both available to download via Google maps Check the date you receive NTK mine was 71 days Do an SAR and you will get back the pictures of the alleged offence in my case they were of such poor quality you could not tell which way up the ticket was in the photo and in no image they held was there a picture showing the ticket and the vehicle numberplate. They offered no other evidence. Pretty soon you will see the money is being sought escalate until they no longer match the figure on the NTK even if it is sent within 56 days When you see a breakdown of costs for the money being sought it will ultimately include legal costs, typically £60 that the solicitor knows cannot be recovered in Small Claims Court. Personally I am now considering reporting BW legal to the law society or solicitors ombudsman for being party to a process which is fundamentally dishonest, an abuse of process, and a complete waste of court resources?   i am happy to help anyone who needs assistance but rest assured that their case against you relies on you caving in and paying, they have no plan B but will try and make you doubt your ability to defend yourself.   Dont worry about small claims Court, it isn’t crown court, just an office with 3 desks and certainly less stressful than a job interview or meeting with the bank and less at stake.   I got to one week from my court date and they gave up!
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Rentsmart/thinksmart & SHOOSMITHS - pc world Printer finance

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Hi all,

 

Hopefully someone can give a bit advice,

unfortunately due to a mistake on my part i have ended up in arrears with a finance agreement through Thinksmart for a computer obtained at PCWorld.

 

Shoosmiths who suggest that they are solicitors acting on behalf of Thinksmart although i believe they are connected have been in touch and i have communicated back via email.

 

The debt is not huge at all but at this time of the year it can be difficult to pay back in on go.

 

I will post the email conversation below in the hope that someone could advise how best to respond to their final email:

 

Me to Shoosmiths:

Dear Shoosmiths,

With reference to the agreement number: ****** and your Ref:*********

I received a letter from you stating that i am in breach of agreement and in arrears by £162.45.

 

On checking with my bank i can see that the direct debit has indeed not been paid,

i will be contacting the bank in the interim to ascertain why this has happened.

 

I appreciate that i should have looked at correspondence from Rentsmart and that has been an error on my part thinking that it was marketing material.

 

In order to move forward with this and with consideration that the agreement is due to end soon anyway I can offer the following as a payment plan:

Friday 22nd December £60

Friday 26th January 2018 £100

Tuesday 27th February £100

 

This should ensure that any arrears and any due payments are finally covered.

Please can i request any communication be via this email address.

I look forward to your reply.

 

Shoosmiths reply (prior to this was request to confirm address):

Dear ........,

Thank you for your prompt response.

I must inform you that you have a further instalment falling due on 15 December 2017 in the sum of £34.15.

This will increase your arrears to £196.60.

 

My client have instructed me to terminate your account on 19 December 2017 if your arrears have not been cleared in full.

 

I can see your proposal below shows your first payment proposed to be paid on 22 December,

my client would be looking for a token payment before then to show a goodwill gesture if they were to agree not to terminate your account.

 

I would also need a reason as to why you are not in a position to clear your arrears in full before 19 December 2017

so that I can validate the hold on termination.

 

I look forward to receiving your response.

 

I have formally agreed to hold your termination,

I must inform you that your account is at risk of being terminated on 19 December 2017.

 

Kind regards

 

I'm not really in a position to make an additional payment now and my original offer was looking to include any upcoming payments,

i also believe the agreement is due to end soon anyway which i need to check on, any thoughts welcome.

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they are acting as a dca, not as a solicitors so in short they have no say in any matter.

However, that wont stop rentsmart from leaving late payment markers on your account and thus credit reference files.

 

What didnt the DD go through?

insufficient funds?

 

If it was the banks doing rather than no money available you can go after them to make good.

If dd cancelled you cant restart it so you will have to make payments by transfer to the same account.

 

What to do?

make sure you pay the £34.15 on time so they cant default but only show an arrears.

The pay off the arrears within the loan period and you will then be well out of it

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who are stated as shoo's client

 

somethings not right here

 

are you in Scotland par chance?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

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are this appears to be a business debt?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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