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    • Not at all.  The onus is on them to ensure that their invoice respects the provisions of Schedule 4 of the Protection of Freedoms Act 2012 to establish keeper liability.  Which it can't as the area is covered by bye-laws. Spot on. Irrelevant as to whether you entered into a contract with VCS to pay them £100 if you didn't obey what was written on their silly signs. Who cares?  What about their ridiculous generic Particulars of Claim where they deliberately mix up driver and keeper. And where do they mention this?  You haven't shown us anything. Of course you have to prepare a Witness Statement and you'd better get on with it. This is the problem here - you've disappeared for months & months, haven't kept us updated and presumably haven't read other VCS threads.  That needs to change - now. Otherwise you will lose - simple as that. For a start - please upload the court order which fixes the hearing date plus plus where "VCS mentioned my initial defence was generic and clearly copied from the internet".  We're not mind readers.
    • New bank notes featuring King Charles III will enter circulation for the first time today - here are the codes of the very first printed.View the full article
    • 2nd class stamp only , get free proof of posting from any PO counter dx  
    • Hi,  It has been a long time but I have had confirmation claim will proceed to hearing in roughly 1 months time.  I was wondering if anyone could advise on defence please.  A few questions I have are: 1) I didn't notify VCS that I was not the driver of the vehicle and the judge may look negatively on this point.  I did not receive any direction in correspondence from VCS  that I should inform them if I was not the driver and that was going to be the foundation for may argument on this point. 2) The vehicle is stopped at a zebra crossing.  Based on the images from VCS for around 10 seconds.  At that time there is someone standing near the zebra crossing and someone else enters my vehicle.  I was going to raise the point that stopping at a zebra crossing when someone is standing near it is to be expected.  I was also going to ask the question how you can have a no stopping zone when there are zebra crossings where the driver is required to stop. 3) The no stopping zone is clearly signposted, however, no drop off or pickup is not clearly signposted with one small sign at the zebra crossing, parallel to the road and on the passengers side.  I was going to challenge that no-drop off or pickup is clearly signposted.  4) VCS mentioned my initial defence was generic and clearly copied from the internet.  It covered 1) Claimant not being in a position to state if the Defendant was the driver at the time.  2) No evidence that claimant's contract with landowner supersedes byelaws & signage isn't legally binding contract. 3) No contractual costs and interest cannot be accrued on speculative charge. I am interested to know if anyone has had success or been unsuccessful with this 'generic' defence. 5) If I should submit an updated defence to the court based on questions 1, 2 & 3.  Or if it is better to only raise these points in court? Thanks.  Any guidance would be appreciated  
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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I sent a CCA request to Next on 30th May. The royal mail website still doesn't say it's been delivered, though it says the same for two other letters even though responses have been received. So I don't know if they have it yet.

 

Anyway, for the last two months since we moved house, we have been trying to contact next to change our address with them. This is because they wouldn't accept payment over the internet as the card's address had already been changed so it did not match their records.

I have also tried calling them loads of times, but by the time I get off hold, the batteries in the cordless phone have gone dead because they leave me waiting so long.

 

Today we received a load of letters forwarded from our old address. In them was one letter from Next. It was a court claim for the total amount owed plus court costs and solicitors fees totalling around £257.42.

The last bill we had from them is dated 8th February and they haven't sent us anything to ask for payment. No letter before action.

All this letter says is that an immediate payment is required of £61.74-nothing about taking us to court.

 

We rang collections and they put me straight through to their solicitors. I explained what had happened, with moving and not being able to pay online or get through on the phone, and they said that I should put it all down on the defense part of the response pack.

 

I dont know what to do. We cant afford to pay all this, and I dont think its right that we should have to pay their court and solicitors costs, just because I was unable to get through to them and pay.

Also, I don't know if the account is in dispute due to the CCA request, but even if it is, they wouldn't have received my letter until the 31st May at the earliest.

 

Can anyone please help?? Should we defend and if so what exactly would we write?

 

Sorry for it being so long but I really don't know what we should do!!!

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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Can't anyone help with this??

 

:(

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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But it says the total amount claimed is £257.42 but the balance we owed was only £187.42 so they ARE claiming their costs.

It was issued on 30th May and deemed served 4th June I think.

 

Rory- I havent yet called RM but I will tomorrow. Are you saying that even though they've issued a claim, I can still do a CCA request? It wouldn't make any difference to the court would it and it's in their hands now???

 

If I do defend, I can do it on MCOL because that's what they've used. The thing is-I DONT KNOW WHAT TO WRITE!

 

These are the particulars of claim:

The Claimants claim is for the sum of £187.42 being the balance outstanding on the Defendants account in respect of the price of goods supplied and delivered by the claimant to the order of the defendant through its mail order catalogue service together with any charges applied to the account in accordance with the terms and conditions of use.

Full details of the cost of all purchases made and details of agreed payment arrangements have been given to the defendant. The defendant has defaulted in payment.

The claimant claims £187.42

 

Thats it!

Firstly- haven't they heard of punctuation?

Secondly- as they havent provided me with any details of the account since February, or even included the account number in the poc, could I defend the way the banks do and say its insufficiently particularised and embarassing?

 

I would be eternally grateful for any help with this.

 

PS. I dont know the dates of when I've tried to contact them. All I know is they haven't contacted me since Feb. Not even a warning of court action

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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Thanks rory. I'll see what I can do with it.

Any advice on whether I can defend the way the banks do in that their POC didn't even include an account number? Insufficiently particularised and embarassing?

Also, should I just fill out the acknowledgement of service to start with so I get 28 days instead of 14?

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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Ive just noticed something else too...

 

On the last bill I have from them, it says immediate payment of £61.74 is required. The balance at that time was £236.33. For them to be claiming £187.42 means that we must have made payment, and interest has been added since. £236.33 - £61.74 = £174.59. The difference must be interest and/or charges of £12.83. Does that make sense?

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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If I fill out the acknowledgement of service, does that mean I have to defend? I don't know how to write a defense :eek::(

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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Im really stressing out now. There's been 112 views of this thread at this point but only 3 people have replied. Can't anyone help me with this? I've never had a court claim against me before and I have no idea how to proceed with this. It's ok to say yes defend, but where do I start? I have no agreement yet and its still saying come back later on the RM website.

What should I do first? Anyone

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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Hi sequenci. Thank god someone has noticed this thread. Was getting a complex

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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I just called RM and this letter is the only 1 out of 6 that hasn't been delivered. Flaming typical isn't it?

So I should send another one today? I thought I read somewhere that you could't do the same request within a certain lime limit though.

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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389 shell- I don't know if I can use that defence until they get the CCA request though. If I use that, then they show a signed credit agreement im screwed arent i?

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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Thankyou. I will draft one up now and send guaranteed next day delivery.

Looking ahead, what are my options if they do produce it, and within the time limit?

Have you seen their POC?? Its in post 6. Theres hardly any details in it at all, and there's been nothing in the post.

Sequenci- I honestly have no idea whether I signed anything. The account's been open ages

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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This is what I sent. The bits I'm going to add are in red

 

Data Protection Manager,

Next Directory,

Desford Road,

Enderby,

Leicester,

LE19 4AT

 

 

 

REQUEST UNDER THE COMSUMER CREDIT ACT 1974

 

Dear Sir/Madam

 

Re:− Account/Reference Number XXXXXX

 

With reference to the above account, I would be grateful if you would send me a true copy of the executed credit agreement and any other document referred to in it. I also require all statements of the account, the amount currently payable and the dates and amounts of any further payments due if no further money is drawn on the account.

 

I understand that under the Consumer Credit Act 1974, Section 78(1)a,b and c, I am entitled to receive a true copy of the executed credit agreement plus the other information on request. I enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act. This payment must be used as specified and not a paid towards any balance on the account.

 

I understand that all this information should be supplied within 12 working days. If it is not supplied within an additional 30 days, the creditor will have committed a criminal offence under Section 78(6b).

 

I understand that under the Consumer Credit Act, creditors are unable to enforce an agreement if they fail to comply with a request for a true copy of the executed agreement under Section 78(6a) of the Act.

 

I look forward to hearing from you.

 

Yours faithfully

 

 

 

 

Monopoly23

 

Does this look ok? Is there anything I should add or take out?

Thanks so much guys. :)

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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Sorry to keep going on, but should I send this to Next or their solicitors? They're using Howard Cohen & Co. They seemed really nice on the phone yesterday too lol

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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OK. They're not gonna have a chance in hell of getting an agreement from Next and getting it to me in that time are they?

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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Jhawc24- how can I find out if they've cashed a PO?

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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Ah well I've got 6 and I don't know which one's which so I'll just have to take them all when I go to send the letter.

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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Cheers. Ive worked out 3 of them as I had 3 postal orders sent back to me. I'll take the other 3. I just rang the solicitors and they said I should sent the request straight to them as they're dealing with the account. Im well scared. I cant fight solicitors! :eek:

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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Share on other sites

That is good though (from your point of view) as they don't really know what they are doing.

 

 

Again this is good - it's less likely they can produce anything. Even if they do it's probably flawed.

 

I really hope you're right rory! Could I use the arguement that their POC is insufficiently particularised and embarassing to try and get it thrown out?

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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Share on other sites

Good for you! I hope they dont have one for me either

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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Well I sent the letter yesterday afternoon, special delivery. I also took down the receipts for the postal orders that I sent, to find out if they'd been cashed. She said she couldn't find out and just gave me a compensation claim form! I really don't think she understood what I wanted but nevermind.

Im absolutely terrified but Im off to MCOL now to do the acknowledgement thing.

I really hope you guys can help me with a defense! :eek:

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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Share on other sites

Aarrgh! I've just been to MCOL and if I want to acknowledge, I have to say whether Im defending the whole claim or just part of it!

I can't defend the whole lot until I find out if there's a CCA can I?

And if I defend part of it, then I'm admitting the debt!

 

What shall I do? Just leave it for now?

Day of service is 4th so that means I have until 18th to defend or admit.

The thing is, they have 12 days from today or 12 working days to provide the CCA which in either case, is longer than I have to respond.

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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Hi calm1. I have calmed down a lot since I first opened the letter yesterday! Its saying something about how bad I must have been then if I still sound like Im having a panic attack.

To get itemised phone bills from the old house, the new house and the mobile we've called from will take too long. I need to reply on MCOL before that stuff will have chance to come through, and if it doesnt, I wouldn't be able to use it in defence then.

If I do say that I want to defend, and the CCA turns up, what could my argument be without the phone bills? And if I lost after defending, would the judge still let me pay in installments or make me pay the whole lot with costs?

Also, if I write to Next, won't they just say we're not handling it anymore, send it to the solicitor? Also, this will take more time than I've got, and it wouldn't surprise me if they delayed in replying because they would know theres a case against me.

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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Can anyone comment on the above post re my defense?

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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I really need to at least acknowledge this claim.

These are the facts.

 

1)There are 5 missed payments on the account, but 4 as of when they issued the claim on 30/5/07

 

2)Their poc does not detail any account number or reason why they are trying to collect the whole debt

 

3)It states that full details of the cost of all purchases made and details of agreed payment arrangements have been given to the defendant and that the defendant has defaulted(they haven't given us anything and I thought you had to miss 8 payments to get defaulted)

 

4)We have had no letters from next since the last payments request of £61.74 dated the 8th Feb, other than the court claim. So no lba or default notice or anything else they should have sent.

 

5)We have tried to make payment but it wont let us log in to their site, we cant change address with them as we get left on hold so long that the batteries in the phone go dead, so their address for us doesn't match our new address on the bank card.

 

6)A CCA request was sent to next on 30/5/06 but so far hasn't been delivered according to RM. We sent another to their solicitors on the 7th June which they got on the 8th.

 

Can anyone please tell me what our position is with this claim? Bearing in mind that the solicitors don't have to send anything out (if there is anything) until 12 working days from the 7th. In this time, our 14 dats from the claim being served (4/6/07) will already be up.

 

I realise that I need to acknowledge the claim to get the extra 14 days, but I don't know if I should defend all of the claim or part of it.

I dont think I can defend it all until I see an enforcable credit agreement.

 

Im really stuck and don't know what to do. Please help! :confused::sad:

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

Link to post
Share on other sites

Anyone? please?

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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