We used to be with SSE up until the summer and we were advised by them that we had a closing balance of £357.87. We were unable to pay this at the time and basically SSE were not prepared to wait for us to agree some sort of payment arrangement over a period of time because they basically wanted things settled there and then because we were leaving them. So after the passage of some more time we heard from LCS who are saying they are authorised agents. I have never at any time had any communication from SSE that THEY were adding charges so I am assuming this is an attempt by the DCA to extract 'administration fees'.
I will be sending off the CPR and CCA letter tomorrow recorded delivery.
And I'm planning to put in the following defence Particulars on MCOL, If someone would be kind enough to check it for me I'll be eternally grateful.
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. Paragraph 1 is noted. I have in the past had financial dealings with Barclaycard . I am unaware of what account the claimant refers to. I am unaware of what alleged debt the claimant refers to having failed to adequately particularise its claim.
3. Paragraph 2 is denied. I deny having received statutory notices in the form of a Default Notice required under s87(1) of the consumer credit Act. I also deny having received statutory notices in the form of Notice of Sums in Arrears as required by the Consumer Credit Act.
4 That this debt was assigned to Hoist Portfolio Holding Ltd is denied. I can’t recall ever receiving any Notice of Assignment or ever having being approached pre litigation with regards to this alleged debt.
5. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of assignment/balance/breach, therefore the Claimant is put to strict proof to:
(a) show how the Defendant has entered into an agreement with the Claimant; and
(b) show how the Defendant has reached the amount claimed for; and
(c) show how the Claimant has the legal right, either under statute or equity to issue a claim;
6. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.
7. On the alternative, 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 Credit Act 1974.
8. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief
Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!