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Court action from Howard Cohen/CL Finance - no CCA available
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Gemmzie
Posts: 14,876 Forumite
Okay so I've been through everything and this is the paperwork available:
02/12/06: Experian report: HSBC - Card Services - £8026
26/12/06: HSBC Statement: Balance showing as £8401.32 (£213.28 added in charges)
17/12/07: HSBC Letter: confirming new standing order (no further details)
01/02/07: HSBC Letter: Default notice (balance = £8472.66)
08/03/07: Payment Services Bureau: confirms 170 payments at £50 a month and 1 payment at £45.25 (balance = £8545.25)
08/03/07: CCA'd HSBC (letter missing - we have a signed for slip)
28/04/08: CL Finance Letter re. CCA: "We have been in contact with our predecessors, HSBC Bank PLC, who have advised us that this document is unavailable." They returned the £1 cheque (balance = £7345.25)
12/01/09: HSBC Letter: "account assigned to CL Finance as of 15th December 2008. The total balance sold was £7595.25, as at the date of sale."
12/01/09: CL Finance Letter: confirms that they have debt and we should continue to pay £50 a month.
20/02/09: CCA'd CL Finance (we have a letter from Post Office confirming postal order was crossed and receipt from Post Office)
March 2009: Stopped payments
09/06/09: CL Finance Letter: formal notification we have failed to make payments (balance = £7345.25)
06/07/09: Lewis Debt Recovery Final Demand: issued on behalf of CL Finance Ltd (balance = £7350.25)
13/07/09: Letter send to Lewis Debt Recovery stating account is in Serious Dispute (certificate of posting)
14/12/09: County Court Claim Form: (balance = £7355.25)
That's enough right?
02/12/06: Experian report: HSBC - Card Services - £8026
26/12/06: HSBC Statement: Balance showing as £8401.32 (£213.28 added in charges)
17/12/07: HSBC Letter: confirming new standing order (no further details)
01/02/07: HSBC Letter: Default notice (balance = £8472.66)
08/03/07: Payment Services Bureau: confirms 170 payments at £50 a month and 1 payment at £45.25 (balance = £8545.25)
08/03/07: CCA'd HSBC (letter missing - we have a signed for slip)
28/04/08: CL Finance Letter re. CCA: "We have been in contact with our predecessors, HSBC Bank PLC, who have advised us that this document is unavailable." They returned the £1 cheque (balance = £7345.25)
12/01/09: HSBC Letter: "account assigned to CL Finance as of 15th December 2008. The total balance sold was £7595.25, as at the date of sale."
12/01/09: CL Finance Letter: confirms that they have debt and we should continue to pay £50 a month.
20/02/09: CCA'd CL Finance (we have a letter from Post Office confirming postal order was crossed and receipt from Post Office)
March 2009: Stopped payments
09/06/09: CL Finance Letter: formal notification we have failed to make payments (balance = £7345.25)
06/07/09: Lewis Debt Recovery Final Demand: issued on behalf of CL Finance Ltd (balance = £7350.25)
13/07/09: Letter send to Lewis Debt Recovery stating account is in Serious Dispute (certificate of posting)
14/12/09: County Court Claim Form: (balance = £7355.25)
That's enough right?
No longer using this account for new posts from 2013
0
Comments
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Gemmzie: If a claim for has been issued, then you really need to switch over to legal procedures that will compel the claiments to provide the documentation to support the claim. CCA etc........
Is that correct that HSBC have confirmed that they do not have an agreement?Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0 -
Should add: Up to you, but you might like to remove references to the precise amount. It is something that may identify you here to the claimants.Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0 -
POC's as I can see them:The claimant's claim is for the sum of
xxxx being monies due from
the defendant to the claimant under
a regulated credit agreement between the
defendant and HSBC bank plc
under reference xxxxx
and assigned to the claimant on the
xxxxx of xxxxx notice of which been
given to the defendant.
The defendant has failed to make payment
in accordance with the terms of the
agreement and a default notice has been
served upon the defendant pursuant to
Section 87(1) of the Consumer Credit Act
1974
The claimant claims the sum of xxxxxFree/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0 -
Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0 -
Can you remember if CPR 31.14 is still the way to go Bat?
i.e. this or similar?Dear Sir,
Re: (Claimant's name) v (Your name) Case No:
CPR 31.14 Request
On (date) I received the Claim Form in this case issued by you out of the (Name) County Court.
I confirm having returned my acknowledgement of service to the court in which I indicate my intention to contest all of your claim.
[Prior to the issue of proceedings I had delivered a request for the production of the agreement mentioned in the Claim Form and on which you rely. That request was ignored][delete if no such request was delivered]
Please treat this letter as my request made under CPR 31.14 for the disclosure and the production of a verified and legible copy of [each of the following / the] document(s) mentioned in your Particulars of Claim:
1 the agreement. You will appreciate that in an ordinary case and by reason of the provisions of CPR PD 16 para 7.3, where a claim is based upon a written agreement, a copy of the contract or documents constituting the agreement should be attached to or served with the particulars of claim and the original(s) should be available at the hearing. Further, that any general conditions incorporated in the contract should also be attached.
2 the assignment*
3 the default notice*
4 the termination notice*
5 [any other documents mentioned in the Particulars of Claim]*
* delete if not mentioned in the Particulars of claim.
[Although your claim is for a sum which is not more than £5,000.00 and will in all likelihood be allocated to the small claims track for determination upon my delivering a defence, at this moment in time I have not delivered my defence and the case has not been allocated to a track. In consequence the provisions of CPR 27(2) are of no effect and you should not seek to avoid compliance with your CPR 31 duties by claiming otherwise]#
# delete if claim for a sum exceeding £5,000.00
You should ensure compliance with your CPR 31 duties and ensure that the document(s) I have requested are copied to and received by me within 7 days of receiving this letter. Your CPR 31 duties extend to making a reasonable and proportionate search for the originals of the documents I have requested, the better for you to be able to verify the document's authenticity and to provide me with a legible copy. Further, where I have requested a copy of a document, the original of which is now in the possession of another person, you will have a right to possession of that document if you have mentioned it in your case. You must take immediate steps to recover and preserve it for the purpose of this case.
Where I have mentioned a document and there is in your possession more than one version of that same document owing to a modification, obliteration or other marking or feature, each version will be a separate document and you must provide a copy of each version of it to me. Your obligations extend to making a reasonable and proportionate search for any version(s) to include an obligation to recover and preserve such version(s) which are now in the possession of a third party.
In accordance with CPR 31.15(c) I undertake to be responsible for your reasonable copying costs incurred in complying with this CPR 31.14 request.
If you require more time in which to comply with this request you must tell me in writing. You must tell me before the time for compliance with this request has expired. In telling me you require more time you must tell me what steps you have taken and propose to take in order to comply with this request and also state a date by when you will comply with this request. In addition your statement must be accompanied with a statement that you agree to an extension of the time for me to file my defence. Your extension of time must be not less than 14 days from the date when you say you will have complied with my request and you must state the new date for filing my defence.
If you are unable to comply with this request and believe that you will never be able to comply with this request you must tell me in writing.
Please note that if you should fail to comply with this request, fail to request more time or fail to agree to an extension of time for the filing of my defence, I will make an application to the court for an order that the proceedings be struck out or stayed for non-compliance and a summary costs order.
I do hope this will not be necessary and look forward to hearing from you.
yours faithfullyFree/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0 -
Oh. And if you want to defend the claim, then make sure you acknowledge the claim online within the 14 days, i.e. ASAP.
You need to do that as you will need the full 28 days to sort out any defence and maybe go through some procedures.Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0 -
Gemmzie: If a claim for has been issued, then you really need to switch over to legal procedures that will compel the claiments to provide the documentation to support the claim. CCA etc........
Is that correct that HSBC have confirmed that they do not have an agreement?
CL Finance have confirmed that HSBC don't have it. HSBC themselves have not.blind-as-a-bat wrote: »Is that the date on the claim form stateing when it was issued, or when you recieived it?
Need to be sure the exact date the claim form was issued, and was it via northampton bulk clearing centre
Do you have a scanner?
That it the issue date on the form. The day of service is 5 days later, then we have 14 days to respond.
No scanner, forms were posted though.No longer using this account for new posts from 20130 -
Oh. And if you want to defend the claim, then make sure you acknowledge the claim online within the 14 days, i.e. ASAP.
You need to do that as you will need the full 28 days to sort out any defence and maybe go through some procedures.
When I go through that it gives the options of: defend all of this claim or defend part of this claim - which is it?
Then it asks "I intend to contest jurisdiction" - do we?No longer using this account for new posts from 20130 -
blind-as-a-bat wrote: »Ok you need to go on mcol and acknowledge the summons and say you intend to defend in full. Done
They are basing there claim on a document they have already stated they dont have.
Not a good start for them Thought that was the case
You then need to sen HC the CPR fermi posted, plus a CPR 18 i think to get full statemants of the acount to verify what the true ballence is, im not sure CPR 31.14 covers statemants, need to check. Send who the CPR?
It is imperative you acknowledge before the hols, prefrably today, you technicaly have a few more days, and it would be nice to use them, but with the hols..............dont think its worth the risk.
We then have approx 14 days to get a defence sorted
Done and awaiting further instructionNo longer using this account for new posts from 20130 -
Have posted there now, thanks so much for your help.No longer using this account for new posts from 20130
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