Reddam House Berkshire Ltd T/a Kings Interhigh/ACT letter of claim now claimform - online schooling fees

[Bellarose]

Hi, today alone I have received 3 missed calls from ACT credit management, they're getting very desperate.   

Can I ask if Kings Interhigh decide to raise a court case would I get a chance to attend court ? 

[dx100uk]

Of couse you will!!

But don't get scared of that 

It's all a DCA can ever do is simply harass, as they have zero legal real powers to do anything.

Dx

[Sunandsea]

Evening,  I received this letter today.  Is this normal procedure with them as it's very intimidating 

ACT Credit Management .pdf

[dx100uk]

very std letter 

go read it properly 

does not say WILL anything

 

dx

[Bellarose]

thank you

[Bellarose]

Evening I have receive a letter from ACT today with a Financial Statement to complete and a bunch of other forms.  Is this normal practice, should I just ignore?

[dx100uk]

is this a letter of claim?

 

dx

[honeybee13]

Hi.

 

Would you be able to make your pdf's into one multi-file please? Our upload guide [click on the word] tells you how and it will save people on their phones from spending ages loading seven documents. Or giving up.

 

HB

[Bellarose]

we know what we said earlier,

 

yes of course I will try to do it now 

 

 

 

2023-01-13 ACT Letter of Claim.pdf

[honeybee13]

So as dx suspected, it's a Letter of Claim which shouldn't be ignored. I expect he'll be along later to tell you how to deal with this.

 

HB

[dx100uk]

use post 4 of the letter of claim link.

 

[Bellarose]

Hi,

 

I received a letter in the post today with all the relevant documents 

ACT.pdf

[dx100uk]

who says they've supplied them all?
 

[Sunandsea]

this is the docs they've sent 

 

 

Apologies but I didn't realise that my daughter was signed in so I have replied under her username.

 

Their LOC Docs Reply.pdf

[dx100uk]

thread tidied

T&C's are always challengeable - hence all the old PPI reclaiming.

and POLICIES are NOT part of those

this is not America!!

total BS that their T&C's and policies = AN AGREEMENT.

had she had no access because nothing was paid from 16-02-22 when the account was in CREDIT!!

let them goto court 

they will lose!!

dx

[AndyOrch]

Open

[Bellarose]

Afternoon all, just got home to be greeted with a letter from Kings Interhigh.  I thought they had gone away but I suppose that was wishful thinking!! I have attached the docs received. 

Am I right in saying that I now have to fill in the defence and counterclaim form?

 

full claimform medway court.pdf

[dx100uk]

you do not counterclaim

please complete this:

dx

[Bellarose]

Which Court have you received the claim from ? Medway claims court

Name of the Claimant ? Reddam House Berkshire Ltd T/a Kings Interhigh

How many defendant's  joint or self ? 1

Date of issue –  No issue date

Particulars of Claim

What is the claim for – 

Tuition Fees

What is the total value of the claim? £1815.53

Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? NO

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? N/A

Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? NO

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

Do you recall how you entered into the agreement...On line /In branch/By post ? ELECTRONICALLY
 

Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? UNKNOWN
 

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? NO. ONLY AWARE ONCE I RECEIVED CORRESPONDENCE FROM ACT CREDIT MANAGEMENT LTD 
 

Did you receive a Default Notice from the original creditor? NO. ONLY RECEIVED EMAILS STATING THAT UNLESS PAYMENT WAS MADE THE SYSTEM WOULD RESTRICT ACCESS
 

Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? NO
 

Why did you cease payments? POOR QUALITY OF TEACHING.  TROUBLE ACCESSING LESSONS AND POOR COMMUNICATION 
 

What was the date of your last payment? 16/2/2022
 

Was there a dispute with the original creditor that remains unresolved? YES
 

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? I COMMUNICATED THAT I WOULDN'T BE ABLE TO AFFORD THE PAYMENTS AS IT WAS MY EX PARTNER THAT WAS MAKING THE PAYMENTS 
 

 

[dx100uk]

please type out the particulars of claim in full to a msg here

and the issue date is the date of that court stamp

you say that came from reddams but is a salford court manual claimform and says medways county  court...

and the date stamp says served 17th july eh?

@Andyorch is this a fake?

 

[Bellarose]

 The right hand side of the Claim form N1 has a sticker over the top with a reference number.  There's a stamp with date of service 17th July 2023.  I have attached docs earlier

 

 

 

 

 

[dx100uk]

23 hours ago, dx100uk said:

please type out the particulars of claim in full to a msg here

dx

[AndyOrch]

The full Particulars of claim are on the second PDF hence the further uploads. Yes its a real claim although Medway no longer issue claims and the claimant should have used   County Court Money Claims Centre (CCMCC)  Salford for issuing manual claims. The claimant is responsible for service.

 

https://www.moneyclaimsuk.co.uk/county-court/medway

 

 

.

[Bellarose]

thank you,  I take I need to reply back with acknowledgment of service? It doesn't leave me a lot of time to prepare my case though as I only received the letter yesterday 

[dx100uk]

date of service (stamp) is not your reply by date

typically from the date on the claimform you get 19days to AOS

then once that is done you get a further 14days to file your defence - a total of 33 days.

but im struggling to understand the date your count starts.

as for the AOS form...

defend all

leave jurisdiction unticked.