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    • #1   Posted March 4, 2014 The questionnaires below provide important information which will allow us to help you. In order to use them, you will have to copy them into your own post and then give us the answers – preferably in red below each question. You can start by overwriting the prompt: "Give answer here" below each question – and your responses should automatically appear in red   Thank you +++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++   You have received a claim form.   firstly - read all the posts in this thread FIRST...   then copy this first msg to your thread - and put your answer after each question   In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us]     Which Court have you received the claim from ? County Court Business Centre, Northampton, NN1 2LH       If possible please scan redact and upload a full page copy of page 1 of the claim form. (not the response page or AOS)     Name of the Claimant ? Capquest Investments Limited   Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 13th January 2022 / 31st January to acknowledge / 14th February to submit defence   Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total) -   ^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE ON THE CLAIMFORM IS ONE IN THE COUNT [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days in total   Particulars of Claim   What is the claim for – the reason they have issued the claim? Please type out their particulars of claim in full (verbatim) less any identifiable data and round the amounts up/down. 1. The claim is for the sum of £4,608 in respect of monies owing by the defendant on a credit agreement held by the defendant with Sainsburys Bank PLC under account number 4779169679648877 2. A default notice was served upon the defendant and has not been complied with. 3. The balance owed was assigned from HBOS to the claimant, and the defendant has been notified of the assignment by letter. Contact drydensfairfax solicitors on 0113 823 3418   What is the total value of the claim? £4893 (this now includes the Court and Legal Reps fee)   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes this is likely but cannot find the letter   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? yes, twice   Did you inform the claimant of your change of address? yes, as they have been able to contact me, or when phoning the claimant they have updated the address records Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card   When did you enter into the original agreement before or after April 2007 ? 03/04/2003   Do you recall how you entered into the agreement...On line /In branch/By post ? Think it my have been in store   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? No, not any more   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. Assigned to Capquest   Were you aware the account had been assigned – did you receive a Notice of Assignment? I cannot recall   Did you receive a Default Notice from the original creditor? Yes I am sure my wife did   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? No, I have a letter from Capquest dated 10th June 2019 following a letter of complaint I had written declaring they hadn't provided statements between 2010 and 2019   Why did you cease payments? My wife had a breakdown and has been declared as clincially depressed. She has taken medication for many years now.   What was the date of your last payment? Account defaulted with Sainsburys between 2008-2010, we have made token payments ever since without fail   Was there a dispute with the original creditor that remains unresolved? Not that I can recall   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? We did speak with Sainsburys and agreed to pay £5 per month, then account was assigned to Capquest and we started paying £1 per month. We continued to pay both between 2010 and 2019. The current statement doesn't run beyond 2019. Claim Form.pdf
    • Sorry, I would rather not do that.    I don't really want to get them out as they have 3 more years left and other than roof they pay for all repairs. So as long as I keep on top of any further roof repairs its a decent contract.    So if they fail to reply then I am assuming that I need to MCOL them for unpaid rent and then let the judge decide who is right or wrong? 
    • Ok thanks dx 100uk. I’ll keep u posted
    • Hi again,   Having responded to the court claim for mediation I since have heard nothing from the court. On Thursday this week we received the attached letter from Overdales. Could I ask for advice on this letter and also ask if they should be writing direct when mediation through court is pending?    Thanks Overdales letter.pdf
    • Hi,   My business is now going through insolvency and luckily most of my creditors had been paid.   However, I have an outstanding business loan to Funding Circle of around £40,000 with a personal guarantee to me   Funding Circle have not yet contacted me and all payments have been up to date. My insolvency agent is in the process of contacting creditors now.   I do have a small amount of personal savings but I was wondering what the best steps of action are here for me.   Thanks for your help.
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Boris Johnson Prime Minister


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Negative - Hate immigrants/foreigners

- which continues unabated with Patel being the front monster  ... 

 

 

But all is not well in your (EU)topia

What happens when the posturing Napoleon , who is currently threatening all and sundry in a vain attempt to appear hard right, is,as seems likely, deposed. by

Monsieur Eric who makes Pritti look like a soft lefty 

Does this lead to France being made to sit on the EU naughty step to be endlessly bullied like Poland and Hungary?

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Macron is asking the UK to fulfill its legal commitments on fishing and the NIP, for instance. It looks as if the new regime in Germany agree with him, too.

 

In terms of standing up to the hard right, I don't think Macron's actions are much different to Johnson's and I agree, Zemmour would be a problem if he became a candidate and got into power.

 

The EU is only likely to become involved if a country starts breaching human rights or the rule of law, surely?

 

 

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Illegitimi non carborundum

 

 

 

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11 hours ago, theoldrouge said:

Negative - Hate immigrants/foreigners

- which continues unabated with Patel being the front monster  ... 

 

 

All is not well in (Brex)topia

What happens when the posturing, corrupt, incompetent Churchill wannabe (like heck), who is currently threatening all and sundry in a vain attempt to appear hard right, is,as seems likely, deposed. by

Monsieur Gove, who doesn't care for monster Patel

 

Does this lead to UK being able to get off the the Worlds naughty step and return to the world stage and some honour, leaving the Brexiter panto farce behind to Brexiters whines?

 

 

Corrected

 "Moral emptiness and epidemiological stupidity”

"unrepentant and inveterate liar" “tinpot dictator” “mired in sleaze”

Boris Johnson Mendex est

“as he waded through the empty bottles and platters of sandwiches, he didn’t realise it was a party”

 

“The failure of the cheerleaders of Brexit to acknowledge the consequences of Brexit as due to Brexit remains remarkable.” - David Schneider

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so @theoldrouge (what a fabulous name for someone supporting the Brexit farce)

 

Tell us how the UK will benefit from that appallingly bad Australia deal Truss  and Johnson (the corrupt incompetent liar) surrendered to?

 

(well apart from allowing a small amount of UK investment by a small handful of VIPals in Australian coal and strip mining at the cost of the loss of IMMENSE UK/EU cross investment)

Edited by tobyjugg2

 "Moral emptiness and epidemiological stupidity”

"unrepentant and inveterate liar" “tinpot dictator” “mired in sleaze”

Boris Johnson Mendex est

“as he waded through the empty bottles and platters of sandwiches, he didn’t realise it was a party”

 

“The failure of the cheerleaders of Brexit to acknowledge the consequences of Brexit as due to Brexit remains remarkable.” - David Schneider

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While we wait ...

 

 

A view into the Tory perspective from the Independent View from Westminster newsletter

 

Tory party falls out with the PM

It’s the day cabinet ministers dread: the publication of the monthly Conservative Home poll of party members.

 

Liz Truss and David Frost top the net satisfaction league table again, but there have been some dramatic swings to “dissatisfied” since last month. Mark Spencer, the chief whip, has suffered the worst, acting as a scapegoat for the disastrous attempt to bail out Owen Paterson, with a 29 per cent swing to minus 21.

 

Boris Johnson himself is the next big casualty, an 18 per cent swing to minus 17; followed by Priti Patel, a 13 per cent swing to a “net zero” satisfaction rating, thanks no doubt to Channel crossings; and Jacob Rees-Mogg, also implicated in the Paterson error, who suffered a 10 per cent swing to a reduced rating of plus 34.

 

Rishi Sunak, on the other hand, seems to be recovering slightly from making the Conservatives the party of high taxes, with a bounce back from a plus 45 rating to plus 53. 

 

The Con Home poll is not a representative sample, but it is restricted to party members and has a good track record of predicting leadership election votes. The August poll was also a good predictor of who was going to be sacked in the September cabinet reshuffle, but now the prime minister himself is second from bottom he would have to sack himself.

 

 

 

So the CONhome Tories think Truss and Frost,  lead negotiators of the UK's EU task farce and the Australia gets the benefits trade deal are the Trouts scallops

Easily pleased is all I can say. (Not that theres much to chose from)

Edited by tobyjugg2

 "Moral emptiness and epidemiological stupidity”

"unrepentant and inveterate liar" “tinpot dictator” “mired in sleaze”

Boris Johnson Mendex est

“as he waded through the empty bottles and platters of sandwiches, he didn’t realise it was a party”

 

“The failure of the cheerleaders of Brexit to acknowledge the consequences of Brexit as due to Brexit remains remarkable.” - David Schneider

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From George Monbiot in the Guardian - some of us have known this was coming for a while.

 

WWW.THEGUARDIAN.COM

The government’s back-door amendments to the policing bill are tyrannical. We should be on the streets in our millions, says Guardian columnist...

 

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Illegitimi non carborundum

 

 

 

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From Alex Taylor quoting from le Canard Enchaine in France today.

 

So Macron (allegedly 😀) calls Johnson a clown and a "gougnafier" ("knucklehead"🤡) Most interesting revelation in today's Canard Enchaîné is however ... "In private, he tells me he's sorry he acts like he does, conceding he has first and foremost to accommodate public opinion"
 

Apologies for the size of the emoticons, I can't make them any smaller.

Illegitimi non carborundum

 

 

 

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The way Johnson behaves is not really appropriate for anyone holding any senior position. He acted in the same way when he was London Mayor.  Plays political games all of the time and he is not really bothered with whether policies actually help the people he says he wants to serve. 

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Political games are silly but have had the effect of undermining trust in Europe when our ministers say one thing in private and the polar opposite in public, I'm reading. They think that Johnson doesn't abide by binding agreements he signed months previously and can't be trusted.

 

France is the most vocal but they aren't out of step with the view in Europe. Their ministers sound fed up with having meetings when people like Patel and others are polite at the time and then insult them in the media afterwards. They rightly point out that they aren't subservient to the UK or a vassal.

 

As worrying, I think, is the normalisation of lying and lying to Parliament without correcting it.

Illegitimi non carborundum

 

 

 

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Johnson is shame, disgrace and dishonor on us all, including real Tories

Simple as that.

 

Churchill would be apoplectic

and if Thatcher were still alive, Johnson would be cowering in a corner

Edited by tobyjugg2

 "Moral emptiness and epidemiological stupidity”

"unrepentant and inveterate liar" “tinpot dictator” “mired in sleaze”

Boris Johnson Mendex est

“as he waded through the empty bottles and platters of sandwiches, he didn’t realise it was a party”

 

“The failure of the cheerleaders of Brexit to acknowledge the consequences of Brexit as due to Brexit remains remarkable.” - David Schneider

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was just looking at that HB.

Wonder who will foot the bill? Taxpayers or the Tory party?

 

 

 

On a side note

Johnson feeds populist pals £millions and £millions for duff PPE,

including £millions to individual populist pal middlemen to order duff stuff made in China via alibaba or suchlike

 

 

Scotland shows how a real government does it:

 

“We’ve also established a domestic supply chain for PPE, with 88% of supplies coming from Scottish companies, which not only provides Scotland with more resilience but also an added economic benefit.”

 

"Richard Leonard convener of the committee, said he and other MSPs had “looked at awe at the growth from zero to 88% in the percentage of domestic supply”.

 

"Gordon Beattie, director of national procurement at NSS, said transparent face masks made in Scotland are being considered for use in England and had won export orders from Europe."

 

 

WWW.INDEPENDENT.CO.UK

Holyrood’s Public Audit Committee heard items are also now being exported to Europe.

 

 

 

 

Edited by tobyjugg2
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 "Moral emptiness and epidemiological stupidity”

"unrepentant and inveterate liar" “tinpot dictator” “mired in sleaze”

Boris Johnson Mendex est

“as he waded through the empty bottles and platters of sandwiches, he didn’t realise it was a party”

 

“The failure of the cheerleaders of Brexit to acknowledge the consequences of Brexit as due to Brexit remains remarkable.” - David Schneider

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1 hour ago, tobyjugg2 said:

 

"Gordon Beattie, director of national procurement at NSS, said transparent face masks made in Scotland

are being considered for use in England and had won export orders from Europe."

 

 

Johnson just needs to figure out how his pals can make taxpayer money from it for doing next to nowt,

.. and some way he wont be clearly shown yet again as a worse than useless incompetent corrupt prat

 

The second - almost impossible

Edited by tobyjugg2

 "Moral emptiness and epidemiological stupidity”

"unrepentant and inveterate liar" “tinpot dictator” “mired in sleaze”

Boris Johnson Mendex est

“as he waded through the empty bottles and platters of sandwiches, he didn’t realise it was a party”

 

“The failure of the cheerleaders of Brexit to acknowledge the consequences of Brexit as due to Brexit remains remarkable.” - David Schneider

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They still haven't got it about negotiating with larger nations/trading blocs. As someone on Twitter says, 'Vole threatens tiger'. No 10 warns the US. 🤣

 

WWW.INDEPENDENT.CO.UK

Wrong to ‘conflate’ issues, Boris Johnson’s spokesman insists – after US official said talks were on hold because of Article 16 fears

 

Illegitimi non carborundum

 

 

 

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Well, a 20th Century vole even

 

 

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We could do with some help from you.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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interesting that Britain was

1 hour ago, honeybee13 said:

They still haven't got it about negotiating with larger nations/trading blocs. As someone on Twitter says, 'Vole threatens tiger'. No 10 warns the US. 🤣

 

WWW.INDEPENDENT.CO.UK

Wrong to ‘conflate’ issues, Boris Johnson’s spokesman insists – after US official said talks were on hold because of Article 16 fears

 

 

Interesting that the UK was sanctioned as part of the US' 'retaliation against the EU when the UK was still a member

Those sanctions have already ended for the EU ....

 

'Negotiators Johnson, Frost and Truss?

More like NO-GO-tiators

 

 "Moral emptiness and epidemiological stupidity”

"unrepentant and inveterate liar" “tinpot dictator” “mired in sleaze”

Boris Johnson Mendex est

“as he waded through the empty bottles and platters of sandwiches, he didn’t realise it was a party”

 

“The failure of the cheerleaders of Brexit to acknowledge the consequences of Brexit as due to Brexit remains remarkable.” - David Schneider

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I see the Tories held their safe seat on Old Bexley and Sidcup ... but with a very encouraging 10% swing to Labour and a massive 75% fall in their majority after losing one of the remaining 'real' Tories to the blight of cancer.

 

The upcoming North Shropshire by-election after the resignation of corrupt self serving (allegedly) Paterson is the definition of a Tory safe seat. Peterson might even have snuck a re-win in if Johnson hadn't thought another tory candidate removes the risk.

Be interesting to see the result though.

 

 

 "Moral emptiness and epidemiological stupidity”

"unrepentant and inveterate liar" “tinpot dictator” “mired in sleaze”

Boris Johnson Mendex est

“as he waded through the empty bottles and platters of sandwiches, he didn’t realise it was a party”

 

“The failure of the cheerleaders of Brexit to acknowledge the consequences of Brexit as due to Brexit remains remarkable.” - David Schneider

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and regarding Paterson, Is it true his 'relationship' aka paid lobbying from Randox has 'ended'? (Fired as now useless?)

 

.. as Randox has now been pulled up for LOOOOONG not meeting UK consumer and legal requirements

.. which Randox are now addressing (well some of the blatant consumer rights abuses if not the other crap) now they dont have a Paid Populist MP protecting them.

 

As it also becomes clear Johnson and pals were throwing Christmas parties (no doubt paid for by Randox and suchlike) while we were all told we couldn't even talk to our grandparents over a fence ..

 "Moral emptiness and epidemiological stupidity”

"unrepentant and inveterate liar" “tinpot dictator” “mired in sleaze”

Boris Johnson Mendex est

“as he waded through the empty bottles and platters of sandwiches, he didn’t realise it was a party”

 

“The failure of the cheerleaders of Brexit to acknowledge the consequences of Brexit as due to Brexit remains remarkable.” - David Schneider

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WWW.INDEPENDENT.CO.UK

Randox has made changes to avoid falling foul of consumer laws.

 

 "Moral emptiness and epidemiological stupidity”

"unrepentant and inveterate liar" “tinpot dictator” “mired in sleaze”

Boris Johnson Mendex est

“as he waded through the empty bottles and platters of sandwiches, he didn’t realise it was a party”

 

“The failure of the cheerleaders of Brexit to acknowledge the consequences of Brexit as due to Brexit remains remarkable.” - David Schneider

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and regarding the Johnson I'll Party while you lockdown ... and you better not vist your grandma

 

 

The BBC has spoken to someone who attended the party at Downing Street on 18 December reported by the Daily Mirror this morning. (See 9.30am.) According to the BBC, the source said “several dozen” people were there, food and drink were laid on, people played party games and the event went on until past midnight.

Laura Kuenssberg (@bbclaurak)

After @PippaCrerar and @danbloom1 scoop this morning, we're told by an attendee of drinks in No 10 on Dec 18th that there were 'several dozen' people there, with food, drink and games which went on past midnight... https://t.co/42taDI3SKu - No 10's said all rules were followed

- Which is a very carefully worded response from Kuenssberg ... given the rumors (unconfirmed - but also un-denied) that both her (Kuenssberg) and Peston were there ...
... Perhaps it was one of the other lockdown parties they attended
 
 

 

 

 

 

Edited by tobyjugg2

 "Moral emptiness and epidemiological stupidity”

"unrepentant and inveterate liar" “tinpot dictator” “mired in sleaze”

Boris Johnson Mendex est

“as he waded through the empty bottles and platters of sandwiches, he didn’t realise it was a party”

 

“The failure of the cheerleaders of Brexit to acknowledge the consequences of Brexit as due to Brexit remains remarkable.” - David Schneider

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No 10 is looking at a “fresh war” with judges to let ministers “throw out any legal rulings they do not like”, according to The Times this morning. The newspaper claims Boris Johnson is keen to prevent the courts from overruling ministers through judicial reviews. One option is said to be an ‘Interpretation Bill’ to strike down findings the government is not too keen on.

 

 "Moral emptiness and epidemiological stupidity”

"unrepentant and inveterate liar" “tinpot dictator” “mired in sleaze”

Boris Johnson Mendex est

“as he waded through the empty bottles and platters of sandwiches, he didn’t realise it was a party”

 

“The failure of the cheerleaders of Brexit to acknowledge the consequences of Brexit as due to Brexit remains remarkable.” - David Schneider

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Very worrying, TJ. They don't seem to want any kind of scrutiny.

 

Meanwhile, the latest wheeze is to withdraw passports and driving licences from 'middle class' users of type A drugs. Interesting, because Lindsay Hoyle wants to have sniffer dogs in the House - to try to counter drug use.

 

WWW.INDEPENDENT.CO.UK

‘I expect to see full and effective enforcement of the law’: Stern warning to parliament’s drug-users

 

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Illegitimi non carborundum

 

 

 

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yes, Johnsons wants to make his unlawful acts 'lawful' if he says so. Just like Trump and Erdogan

 

"Sir Lindsay’s move comes after The Sunday Times reported that an investigation found evidence of cocaine in 11 out of 12 locations tested in the building."

 

Corrupt to its core this 'Tory **** government.

 "Moral emptiness and epidemiological stupidity”

"unrepentant and inveterate liar" “tinpot dictator” “mired in sleaze”

Boris Johnson Mendex est

“as he waded through the empty bottles and platters of sandwiches, he didn’t realise it was a party”

 

“The failure of the cheerleaders of Brexit to acknowledge the consequences of Brexit as due to Brexit remains remarkable.” - David Schneider

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