Perch/TM Salford Fast Track Claimform - Progressive Money loan from 2016

[AndyOrch]

They must disclose all the documents their claim relies upon by a given date which is determined at the allocation stage...I think you need to read a few topics by other users as the questions you ask are very basic and explained in the 1000s of court claim topics.

[dx100uk]

On 11/11/2022 at 11:30, dx100uk said:

plenty of Perch ACI TM claimform threads here 

use our enhanced google searchbox.

 

[gibson71]

Hi @dx100ukand @Andyorch

 

I have today received documents from TM Legal in response to CPR 31.14 requests: credit agreement, default notice and notice of assignment.  Credit agreement is exactly as I have already shown you i.e. blank signature boxes.  I have attached the others for you to see. 

 

Also, a strange thing today, email from Clearscore to say that Equifax have notified them that the Perch debt is to be removed on 21 November?  Debt only shows on my husband's credit score, not on mine.

Default Notice and NOA.pdf

[dx100uk]

did those come by email, they look remarkably perfect for a scan of a letter?

 

dx

 

[gibson71]

Yes, they came by email.

[dx100uk]

how did they get your email?

 

dx

 

[gibson71]

We have had email communication before, and I sent the CPR 31.14 requests by email as Andy said it was OK if they accepted it that way.

[dx100uk]

On 10/11/2022 at 21:59, Andyorch said:

Email is fine if they accept electronic communication.

ok yea, i understand now

 

dx

 

[gibson71]

Does all look OK?  Does it matter that the credit agreement has blank signature boxes?

 

What do you make of removal of Perch debt from Equifax?

 

I am guessing that CCA request does not make much difference now that CPR 31.14 docs received?

[dx100uk]

of course it makes all the diff

anyone can send anyone a blank agreement claiming its the one you signed. esp a debt buyer and not the original creditor, could have come from anywhere.

fatal to any claim

the dn looks ok 

the NOA looks ok

not sure why the file should be vanishing could it be payments were last made nov 2016, as the default is months later. weird.

 

dx

 

[gibson71]

So if they send another blank agreement in response to CCAs, will the court not accept it?

[dx100uk]

now this is where you need to start reading up again...

 

its not as simple as that, it's based on balance of probabilities and the judge on the day (if it ever gets that far)

long way to go till that yet

mediation

allocation

witness statements.

 

as many perch or PDL claimform threads as you can in this forum.

you will see that overall they lose or drop claims BUT.

 

this one will have ££ signs rolling in their eyes its a £27K claim whereby they probably paid <£3000 to buy it from progressive.

but as i said before, why didnt progressive take you two to court and crush you easily but sold it on for peanuts

...urm...

[gibson71]

OK, not sure if I'm doing it wrong but can't find many Perch/TM threads on the forum?  You said before you knew why Progressive didn't take us to court, why was that?

[dx100uk]

same as you searched for the defence

use our enhanced google searchbox.

 

my comment about knowing why was in relation to all the comms emails you uploaded, it's very obv they had zero chance of ever getting much money from you both.

 

so sold it on.

 

dx

 

 

[gibson71]

OK, there are very few that I can see regarding Perch. 

 

Progressive presumably could have done the same as Perch though and tried to get a CCJ then charging order, but for some reason didn't?

[dx100uk]

progressive as the original creditor could have crushed you, it is very telling that they did not.

 

Programmable Search Engine

CSE.GOOGLE.COM

clickme^^

 

dx

 

[gibson71]

So does that help us that Progressive didn't?

[dx100uk]

you are  seriously 'green' on all things debt.

 

there is no good reason to keep asking questions that are, along with others, answered by reading and understanding the whole debt process following the threads listed above.

 

if someone owed you £26,000 would you sell it on and only get £2600, when you'd be £24,000 better off by going to court?

 

 

[gibson71]

Thank you, fair point @dx100uk have had plenty of debts but been very lucky so far not to have dealt with court claims so need to learn more on that.

 

Jenny 

[gibson71]

CCA requests received at Perch today and have screenshot of proof signed for. 

 

Both Clearscore and Credit Karma have now removed debt with no explanation and nothing in the "closed accounts" sections.  Debt went back on credit reference files when assigned to Perch.  Even if going by 6 years from default, should not be gone until April 2023?

[gibson71]

Hi, we have received the Notice of Proposed Allocation to the Multi-Track today along with Directions Questionnaire (Form N181), which needs returning by 6 January.  No response to CCA requests so far.

[AndyOrch]

 

[gibson71]

Thanks @AndyorchI have the form but need help with completing it if possible.

[dx100uk]

you really really really need to be operating a self help mantra here on CAG between stages of the claim.

not simply do nothing till the 'next stage'

 

our enhanced googlesearchbox 

is designed to find and point you to what you need to find

 

see the N181 post in this thread

 

Centrica/CST claimform - Industrial Training Bond - General Legal Issues - Consumer Action Group

 

there are 100's of threads upon how to fill an n181 out.

 

dx

 

[gibson71]

Thank you @dx100uk

I have been searching after filing the defence, but I'm still struggling to find similar cases to my own especially ones that have been successful and can only find a few Perch cases. 

 

Perhaps I'm searching in the wrong way what should I be typing in the search?

 

Apologies, the stress has been just awful, but I feel that this forum is my very best chance of succeeding. 

 

Very grateful for your help.

 

Jenny