IMPORTANT: Please make sure your posts do not contain any personally identifiable information (both your own and that of others). When uploading images, please take care that you have redacted all personal information including number plates, reference numbers and QR codes (which may reveal vehicle information when scanned).
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

CCJ at previous address from PPC

1234568»

Comments

  • nosferatu1001
    nosferatu1001 Posts: 12,961 Forumite
    10,000 Posts Third Anniversary Name Dropper
    Congrats!
    As you say - file the defence rather quickly. Youve done most of the work I would say :)
    It would be tempting to file a counterclaim with your defence - for damages to cerdit rating etc. Any other costs you have incurred are DAMAGES they owe you. You will need to add this counterclaim on after your defence, and pay the appropriate fee. This has the advantage that IF they then discontinue your claim, your counterclaim is still live - you will need to poay the hearing fee, but you still get a hearing. 
  • Congrats!
    As you say - file the defence rather quickly. Youve done most of the work I would say :)
    It would be tempting to file a counterclaim with your defence - for damages to cerdit rating etc. Any other costs you have incurred are DAMAGES they owe you. You will need to add this counterclaim on after your defence, and pay the appropriate fee. This has the advantage that IF they then discontinue your claim, your counterclaim is still live - you will need to poay the hearing fee, but you still get a hearing. 
    Thank you for the comment and your recent help! At least now i can sleep a bit easier knowing my credit file will soon be back to normal. I'm really interested in this approach and will write a new comment with a few pointers, if you have a minute to check it would really help me.
    2 CCJ's coming off in July and September 2011:j
    1 Satisfied Default for a measly £81:mad:
    £200 Capital One, £1500 Barclays Overdraft, T-Mobile Contract:cool:
  • drewwhonumba2
    drewwhonumba2 Posts: 91 Forumite
    Tenth Anniversary 10 Posts
    edited 13 February 2020 at 7:23PM
    so, i'm now back to reading the newbies thread and have just read Bargepoles post on filing a defence, i have a few questions about the process now as its off the back of a set aside. 

    Does MCOL still apply and do i need to acknowledge service or is it straight to submitting a draft defense? 

    I still haven't received any documents relating to the original claim - no response to SAR from UKCPM  - so i still do not know their original particulars of claim or evidence

    Given this fact shall is it ok to submit my defence as per the draft defence that I have already prepared below which relies on failure to transfer liability to hirer?

    Can somebody point me to the process or any threads relating to counterclaims, i'm most interested in this stage as to when this needs to be filed. 

    The counterclaim will be seeking damages for damage to credit file (I also now have a reduced credit availability as one of my credit cards reduced the limit after the CCJ) and distress caused by breach of DPA. 

    I can also prove that this caused the distress as the day after i found out about the CCJ I sought help for anxiety and stress from my work health insurance and have been receiving treatments to date of which this case has been a part of discussions with the healthcare provider

    I believe there are many similar points to the below case which Lamilad assisted in so it would be great to be bale to see the actual defence and counterclaim 

    https://forums.moneysavingexpert.com/discussion/5879258/court-report-ukcpm-hit-for-1-000-gladstones-incompetence-shown-up-again/p1
    2 CCJ's coming off in July and September 2011:j
    1 Satisfied Default for a measly £81:mad:
    £200 Capital One, £1500 Barclays Overdraft, T-Mobile Contract:cool:
  • hi all, 
    Just a quick update. 

    After a successful set aside a new trial date was set for 7th August. I had to submit my bundle by yesterday which I got in on time. 

    Today I received a notice of Discontinuance from Gladstones on behalf of UKCPM 

     I believe another one bites the dust! 

    Thanks too all who contributed to the advice over the last few months its hugely appreciated
    2 CCJ's coming off in July and September 2011:j
    1 Satisfied Default for a measly £81:mad:
    £200 Capital One, £1500 Barclays Overdraft, T-Mobile Contract:cool:
  • nosferatu1001
    nosferatu1001 Posts: 12,961 Forumite
    10,000 Posts Third Anniversary Name Dropper
    Did you get your costs of set aside back
    Congrats on the discontinuance. 
  • Coupon-mad
    Coupon-mad Posts: 152,750 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 3 June 2020 at 5:13PM
    Nice - ANOTHER UKCPM ONE BITES THE DUST!

    But tell us you are NOT £255 out of pocket for the CCJ set aside please?  If you are, follow up your submission with an email aking the court not to vacate the hearing but to leave it listed, as a costs hearing for the Defendant who has after all already paid £255 and submitted a N244 form months ago, spending hours on the case to bring the dispute to a proper conclusion.  Or alternatively, invite the court to use its case management powers to Order of their own volition that the Claimant do now pay your £255 reserved set aside fee and attendance costs from the CCJ set aside hearing, due to their defective service of the claim, no reasonable steps having been taken to find you before the claim was served, filing an exaggerated claim, abuse of the court process and then running away hoping to avoid costs.

    You did append your summary costs assessment already?  Mention that you did and ask for the hearing to consider those costs.
    PRIVATE 'PCN'? DON'T PAY BUT DON'T IGNORE IT (except N.Ireland).
    CLICK at the top or bottom of any page where it says:
    Home»Motoring»Parking Tickets Fines & Parking - read the NEWBIES THREAD
  • Nice - ANOTHER UKCPM ONE BITES THE DUST!

    But tell us you are NOT £255 out of pocket for the CCJ set aside please?  If you are, follow up your submission with an email aking the court not to vacate the hearing but to leave it listed, as a costs hearing for the Defendant who has after all already paid £255 and submitted a N244 form months ago, spending hours on the case to bring the dispute to a proper conclusion.  Or alternatively, invite the court to use its case management powers to Order of their own volition that the Claimant do now pay your £255 reserved set aside fee and attendance costs from the CCJ set aside hearing, due to their defective service of the claim, no reasonable steps having been taken to find you before the claim was served, filing an exaggerated claim, abuse of the court process and then running away hoping to avoid costs.

    You did append your summary costs assessment already?  Mention that you did and ask for the hearing to consider those costs.
    Hi Coupon Mad

    I already received  £255 + costs for attending the set aside hearing so i'm actually up by around £100 :) 

    I did submit another schedule of costs but as there wont be a hearing this wont be considered 

    2 CCJ's coming off in July and September 2011:j
    1 Satisfied Default for a measly £81:mad:
    £200 Capital One, £1500 Barclays Overdraft, T-Mobile Contract:cool:
  • D_P_Dance
    D_P_Dance Posts: 11,591 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I already received  £255 + costs for attending the set aside hearing so i'm actually up by around £100

    Peanuts, read this

    https://www.which.co.uk/consumer-rights/letter/letter-before-small-claims-court-claim


    You never know how far you can go until you go too far.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.3K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.2K Work, Benefits & Business
  • 599.3K Mortgages, Homes & Bills
  • 177.1K Life & Family
  • 257.7K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.