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    • Hello All, I was hoping for some help with a  Claim Form received yesterday 15h May 2024.  I have read lots of threads but I just want to check what I am doing. I have acknowledged service noting my intention to defend all of the claim and I have left the contest jurisdiction un-checked. I will today/tomorrow issue a CCA request with a £1 postal order to the claimant and a CPR 31:14 to the solicitor.  For the CCA which section should I use? I am not sure which section Paypal Credit would come under. If the claim was issued on the 9th May am I correct with my defence filing date of the 11th June? Is there anything else I need to do? Thanks in advance   Which Court have you received the claim from ? Civil National Business Centre, Northampton Name of the Claimant ? Lowell Portfolio I Ltd How many defendant's  joint or self ? Self (just 1) Date of issue –  9th May 2024 Defence filing date: Tuesday 11th June?? Particulars of Claim What is the claim for  The claim is for the sum of £255.69 due by the Defendant under an agreement regulated by the Consumer Credit Act 1974 for a PayPal account with an account reference of xxxxxxxxxxxxxxxx)  The Defendant failed to maintain contractual payments required by the agreement and a Default Notice was served under s.87(1) of the Consumer Credit Act 1974 which has not been complied with. The debt was legally assigned to the claimant on 15-09-21, notice of which has been given to the defendant. The claim includes statutory interest under S.69 of the County Courts Act 1984 at a rate of 8% per annum from the date of assignment to the date of issue of these proceedings in the sum of £0.00. The Claimant claims the sum of £255.69 What is the total value of the claim? £340.69 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No Did you inform the claimant of your change of address? Not applicable Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? PayPal credit account When did you enter into the original agreement before or after April 2007 ? After April 2007  Do you recall how you entered into the agreement...On line /In branch/By post ? Online Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes, shows as defaulted.  Registered when it was bought by Lowell 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. Debt purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? Cant find a letter that say so Did you receive a Default Notice from the original creditor? Yes Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ?  Not sure Why did you cease payments? Financial difficulties and mental health issues What was the date of your last payment? ? Mid 2019 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 management plan? No
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Centrica/CST claimform - Industrial Training Bond


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1 witness statement in response....check for accuracy and amend if required.

 

In the County Court at Sheffield Claim number XXXXXX.pdf

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Wow, that reads very well and much better than anything I would be able to put together on my own, thank you. 

 

shall I email that over to the court and CC in CST law like they did with me when they sent their witness statement or would this information need to be posted? 
 

 

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I would do both..just make sure you meet the deadline.

We could do with some help from you.

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i'll be getting it emailed across today and i'll ring the court in the morning to inform them and check if they would like a paper copy 

 

I just wanted to check a couple of things on the draft statement - 

 

statement 3 - 'overpayment of actual salary only equates to £2,500' should this figure be what they are claiming they overpaid me (£766.13) ? 

 

statement  4.0 - (see exhibitis xxxxxx attached) what should I be filling in the blank with? 

 

statement 4.0 denying paragraph 15 - 'the total value of the claim is £9324.63' < would this figure not be the £9,000 training bond + overpayment of £766.13 ? 

 

another question on page 40 of the document I uploaded from the claimant, there is a page dedicated to the training bond and below it asks for a signature, name and date all of which are blank? as if I never signed nor agreed to it? 

 

as soon as I have clarity on the above I will get it sent and again Andy I just wanted to say thank you I really appreciate you doing this for me 😊😊 

 

 

sorry, it's not letting me edit the above post again.

 

i wanted to add page 35 is the only document where my name is digitally signed and page 41 conveniently has its own page saying i have signed all documents above (even though it's clearly something they have added)

 

surely my name should be next to each individual document reflecting i have agreed / acknowledged like page 35 and what is to say that the page 41 document is only relating to page 35

 

how can they prove its for all of the other documents when my name isn't next to them? 

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You know the finer details of the claim...anything above with any relevance you can add...but with regards to what they claimed on the claim form it is £9324.63 + Issuance fee + Sol fee......so thats all the court can allow should they win......if the court allows interest and that is only at the courts discretion  then that can also be added, but as you see from the statement/N1 they have not got a clue and added interest twice.

 

I have gone with your admitted amount because that's what you submitted £2500...that cant be changed now, they state they only overpaid £766.13...all in all when you look at the N1 claim form figures and their statement figures what they require.....none of it makes sense.and possibly why the court have allocated it to small claims track because the initial claim is less than 10 K.

 

With regards to contract's and no signatures you can raise that as and when and if its brought up.....but without a signed contract then you are not obliged or liable for any make believe training bond.

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  • 3 months later...

Hi, 

 

I have court next week and I have no idea what to expect or what is expected of me in front of the judge 

 

I will be going over the defence that’s been filed etc but is there anything else I should be doing? Would I be expected to talk / defend myself or simply just answering yes / no 

 

any pointers would be appreciated 

 

thank you 😊 

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Whatever is asked, you keep to the statements made in your defence or witness statement.

 

Dx

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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generally speaking, would I be expected to say much? If I'm unsure of what is asked would I be able to refer to what I have stated in witness / defence to be accurate? 

 

Also, would the judge's judgment be influenced by how I answer or will he just refer to the paperwork I have sent in? 

 

Should I bring p60's from my job to show I left British Gas and returned straight back to my old employer in an office? 

 

thanks! 

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The judge will certainly be influenced by how you answer - otherwise there may as well not be a hearing!

 

In the past before court hearings I've asked a friend to pretend to be the claimant's/prosecution's representative and to give me a hard time, so I was sure I had my story straight and could answer well.

 

I doubt the P60s are that relevant.  The judge will in interested in whether at any point you agreed to pay British Gas this money.

We could do with some help from you.

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You can't take your p60's nor refer to any docs not Inc as an exhibit in your WS.

 

Dx

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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thank you both! slightly nervous I won't lie. hopefully, the judge doesn't give me a hard time. I'll try to stick to the facts outlined in the documents I've sent in. 

 

will I be questioned by Centrica's solicitors? i.e. will they try and make me slip up etc :( 

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  • dx100uk changed the title to Centrica/CST claimform - Industrial Training Bond

no you wont.

its nothing like you might think it is not like TV!!.

 

also watch out for little chats they might want before you go in...smile and walk away.

 

read your ws a few times, make sure you understand what you have stated.

you most certainly need to ensure if you need too, that you get across that you did not sign all the documents, particularly the training bond stuff, and the claimant has no individually signed training document proving that you did.

 

 

 

 

  • Like 1

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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What little chats do you mean Dx? And with whom? 
 

So the only signed statement they have is that virtual one, as per the documents I’ve uploaded previous. what is the best approach towards this when questioned on the virtual signature?

 

thanks 

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They fleecers may try to unnerve you before the case by wanting a private chat.  

 

I don't believe for one minute that's now people signed up to training. There are two threads here whereby it was supposedly placed Infront of them at the 1st session??. But sadly non have comeback to tell us how they got on .just vanished.

 

Dx

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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Ah right okay I’ll be cautious then! 
 

I don’t recall signing anything physically though there is a possibility in the Academy when I first started during training they presented documentation to sign I can’t quite recall though.

 

As of yet they have yet to show any proof I physically signed anything relating to the training bond (maybe it’s been lost if I did) and on the above documents uploaded the virtual signature in on a page on its own as though they just placed a separate page underneath the contracts,

 

the actual contract itself isn’t signed but then on another document my mangers handwritten signature is present and my name has been typed. Again, this is different to the part of the document with the training bond and there is no virtual name it’s just blank? I will attach the file to view 

 

would it be worth me highlighting the above facts? And saying I don’t recall signing a contract regarding the training bond and the only signature that can produce is on its own page 
 

Should I have received a trial bundle from the claimant or is the e-bundle they sent a few months back the same thing? 
 

thanks 

 

 

 

combined.pdf

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Judge ruled in their favour as I sighed a valid contract. He didn’t relate to any of my points raised in my witness statement. It felt like the decision was already made due to employment contract law, regardless of what I said or stated in witness statement. Instead of the 8% interest he lowered it to 2% still around £11k odd.


not the result any of us wanted, very disappointing and there’s nothing I can do about it now :( 

 

thanks for everyone’s input in the build up to the case 

 

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Judge lottery Def 

 

If you've been told to pay the full value by xx date, stick in an n245 tomorrow 

For a small £pcm

Dx

  • Like 1

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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Share on other sites

 

they offered me to pay £7,000 back before court in full .. kinda wish I just took it now. Sad times :( 

 

gutted by the judge, Centrica’s solicitor said she thinks it would be a female judge before I went in (yes she asked to speak with me prior) she was actually really nice. Turns out it was a male judge who very much agreed with the contract I sighed unfortunately. 
 

I’m going to try and see if Centrica will agree to lower the amount if payment can me made in full though I doubt this is possible now giving the judges decision. 

 

Really don’t want to be stuck paying monthly payments for the next decade! 

Edited by dx100uk
unnecessary previous post quote removed
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so you can afford to pay it off by 28 days?

if so the CCJ will not be registered. 

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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no, I won't be able to pay the full 11k off :( 

 

I will try and get them to reduce the overall bill to a more reasonable figure and I'll pay in full (I know this is very unlikely now) otherwise, I am going to have to sort monthly payments.

 

is it Best to fill out an N45 or try to come to an agreement directly with Centrica? 

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Get the n245 done and into the court. Once that's sorted and ratified you can see if BG will reduce the value. But they have their judgement and have no reason too 

 

Dx

  • Like 1

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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