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    • Which Court have you received the claim from ? Civil national business centre, Northampton       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 ? PRA group uk portfolios ltd   How many defendant's  joint or self ? self   Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 14 june 2024   ^^^^^ 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   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)  if your defence filing date falls on a W/End, you must file by friday @4PM     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. state how many digits the account number has.. The claimant claims the sum of £6823 for an outstanding debt owed. On 29/8/2013 the defendant entered into an agreement with Barclays Bank UK for a credt card under ref *********. On 22/3/21 the defendant defaulted the agreement with an outstanding balance of £7074. On 26/7.22 the debt of £6937 was assigned to PRA Group lts who itself assigned the debt to PRA group UK portfolios ltd on 30/12/23. Notices of assignement were sent to the defendant in accordance with S136 Law and Propert act 1925. The claimant has instructed PRA group UK ltd to act on its behalf in the recovery of the outstanding debt and to pursue litigation on its behalf. Payments of £103 were recieved up to 5/12/23 and adjustments have been applied in the sum of £10, and the claimant claims 1. The sum of £6823.88   What is the total value of the claim? £7378.88   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? n/a 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 ? after   Do you recall how you entered into the agreement...On line /In branch/By post ? don't recall, likely online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ?yes   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 purchaser   Were you aware the account had been assigned – did you receive a Notice of Assignment? yes   Did you receive a Default Notice from the original creditor? don't recall   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? yes   Why did you cease payments? account was marked unenforcable by PRA due to lack of cca   What was the date of your last payment? december 23   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? yes  
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    • Thanks for your reply. After you didn't respond to the the paploc, what was their next step? Did they resend the paploc? I feel it's like others have suggested, it's a 'fish' to get someone to respond. Ref the email, I don't think I've ever had one, even when J and P took over with the first round of comms, then I received two within in a few days (both with same info) and a few days later, the J and P paploc. Any guesses what they're thinking changing between J and P to IDR and vice versa?
    • Please explain what you mean when you say that he hadn't followed pre-action protocols. How much of the original spec that you worked to do you have in writing.  Do you have photos? What other written evidence do you have?    
    • Hi. @BankFodder should be around later to advise on this, he often deals with this kind of case. As an outsider, it sounds to me as if the client could have changed his mind about what he wanted, once you'd built to the agreed spec. HB
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MCOL help not being paid for job ***Settled in Full***


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Hi everyone. 

My husband works as a carpenter as second job and changed the locks for a business but didn't get paid.

It's only £87 and he sent many emails to them to no avail.

They're refusing to pay because a few days later another employee lost the keys again and my husband couldn't attend, so they called another carpenter and got charged £350.

How's that my husband fault is a mystery. 

I am filling the mcol for him but when I did mine with your help (thank you again), I remember submitting evidence and timeline.

This time the mcol is only asking for a brief description of the claim.

Do I remember incorrectly?

When do you submit the evidence?

After they defend the claim? (If they defend it)

 

Thanks.

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You have to prepare Particulars of Claim which indeed will be very brief.

However, judges don't take kindly to court cases being started before chances to settle the matter are exhausted.  Has you husband sent them a formal Letter of Claim?

We could do with some help from you.

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Yes, he did.

He gave them 14 days to pay and today is day 15.

They're adamant that because he couldn't attend the second time, he's at fault for the other carpenter charging a lot of money.

Go figure that out.

My husband charged a fair price so he's supposedly obliged to attend any time they need a carpenter to save them money.

Madness.

I bet they haven't paid the other carpenter either.

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Posted (edited)

Well, fine, they can argue that in front of a judge.

Please post up a draft of your PoCs.

They will be very brief, just mention the work he carried out, when, where, etc., and that he hasn't been paid despite numerous reminders.

In fact the PoCs have to be brief as there is a word limit on MCOL.

EDIT - from the MCOL guide -

The POC are restricted to 24 lines of 45 characters and a total of 1080 characters. If you type more than this the last part of your text will not appear on the claim. Please be aware that the website will only accept the following punctuation; full stop, comma, pound signs

Edited by FTMDave
Extra info added

We could do with some help from you.

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On 19th February 2024 the Claimant agreed to replace the locks on the front door of the premises occupied by the Defendant for the sum of £87.

This job was completed to the Defendant's satisfaction. 

The Claimant invoiced the Defendant on the same day but to date payment has not been received despite numerous requests from the Claimant. 

The Defendant has stated that they do not intend to pay.

The Claimant requested payment of £87.

So, my memory is failing me.

For some reasons I remember submitting a timeline of events and evidence in my case.

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The PoCs look damn perfect to me, and well within the MCOL limit.

However, given that 24 hours will change nothing, hang on a day in case others have comments.  My experience on CAG is more with the defence sort of stuff for private parking cases.

There is no need for a timeline of events or evidence at this stage.

We could do with some help from you.

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Thanks.

I wait.

They would be stupid to defend.

The owner even sent a message to my husband thanking him for the good job at a good price.

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I don't think the line about the intent to pay really matters but as you're well within the MCOL limit just leave it in.

If you were close that would be the first thing to go.

Maybe mention how the invoice and payment reminders were sent?

We could do with some help from you.

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are you using moneyclaimonline online site/form or a paper claimform and MCOL?

the new 1st one asks more questions further down the online form.

if not and a paperclaim form, then your other info will be part of your witness statement later in the process .

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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Posted (edited)

use the new money claims site! Its so much better and gets further faster.

 

Its all online until hearing date. No multiple months wait for allocation like the old one.

 

The one with evidence is the new one, it seems your trying to use the old one.

Edited by jk2054

 I do not hold any legal qualification.

Nothing I say is meant as or should be taken as legal advice.

 

 

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As no-one is disagreeing with your PoCs, then go for it!

You could even stick the boot in 😉

On 19th February 2024 the Claimant agreed to replace the locks on the front door of the premises occupied by the Defendant for the sum of £87.

This job was completed to the Defendant's satisfaction.  The Defendant even sent the Claimant a message thanking him for the good job at a good price.

The Claimant invoiced the Defendant on the same day but to date payment has not been received despite numerous requests from the Claimant. 

The Defendant has stated that they do not intend to pay.

The Claimant requested payment of £87.

  • Thanks 1

We could do with some help from you.

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On a less silly note the last line should be in the present tense -

The Claimant claims payment of £87.

 

  • Thanks 1

We could do with some help from you.

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Personally I think your husband is in the wrong.

It's his fault this company's employees can't look after keys properly, plus that it rained over the Easter weekend and to boot that my football team completely dominated their game today, hitting the woodwork twice, yet the match finished 0-0.

He has a lot to answer for.

😅

  • Haha 1

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

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The One I posted is faster.

 

Yes you have to issue a warrant by paper but that takes one email and one working day.

 

It gets throughj to trial faster than MCOL.

 

You can use whichervr you prefer Im just helping you with which one is fastest

 I do not hold any legal qualification.

Nothing I say is meant as or should be taken as legal advice.

 

 

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  • 3 weeks later...

They have defended the claim by saying that the job was of unsatisfactory standard and they had to call another carpenter to remedy.

My husband has text messages about them losing the keys a second time and also an email.

What do they hope to achieve???

Most importantly,  as far as I have seen online, now I need to wait for paperwork from the court, correct?

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No, reading the guidance online it says to wait for a letter from the court.

Should I wait or submit the directions?

BTW, I assume that the directions are a longer version of the particular of claim accompanied by evidence, correct?

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Yes, await the Directions Questionnaire from the court.

No, the Directions Questionnaire is just a short form and leads to the case being transferred from MCOL/CCBC to your local court.  If you Google "Form N180" you can see a blank copy on government web pages.

  • Thanks 1

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

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3 hours ago, Lorenz said:

Should I wait or submit the directions? Directions Questionnaire N180

BTW, I assume that the directions are a longer version of the particular of claim accompanied by evidence, correct?

You mean your witness statement 

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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