Claim form for Northampton Court Received from Phoenix Recoveries, please help

tinkerbelle

I have just got home from work and received a claim form from Northampton court. It has been issued from Phoenix Recoveries and says

" the claimant claims £150 such sum being part of a dbt due under agreement number whereby the defendant agreed to pay the claimant £800"

I have not entered into a payment plan with phoenix. I am pretty sure that the debt was for a catalogue. If memory serves me correct, I agreed to pay moorcroft £15 a month for a debt but stopped and never heard any thing again.

Any advice will be greatly appreciated.

fatbelly

It could be for a catalogue - Phoenix have bought a lot of Littlewoods debt recently. The particulars of claim should state this.

You probably did not sign a credit agreement and may wish to chalenge the enforceability of the debt on these grounds.

I have a standard worded defence I can send you if you wish

thepinklady

I think the debt might of been with Littlewoods then. I had a debt with Littlewoods, it was then passed to Moorcroft, who passed it onto Phoenix without telling me.

I hope you manage to get this sorted out.

tinkerbelle

I have now found out that it was for additions catalogue. I just find it strange that i have not made an arrangement with phoenix to pay any arrears on it but that is what they are taking me to court over!

stapeley

You can now request a full disclosure from the creditor and a copy of the CCA . Put in a defence so case is transfered locally .

tinkerbelle

I have found a letter on consumer action group forum which i have posted off to Bryan Carter Solicitors which requests all information including a CCA. I have also submitted a defence to money claim online which gives me 28 days to put my defence together. Does anybody have any idea as to what happens next?

SwissChris

I'm trying to give Mr Carter a headache. Last May (2010) I sent a request for a copy of my original agreement with Capitol One enclosing the £1 postal order. It took them 12 weeks (not the 12 days as specified) to send the requested information. I have since August 2005 denied any liability for the debt as I had the Capital One PPI which I expected to pay the debt off after I was made redundant in March 2005. In 2006 the soliciters acting for a company called Global Debt Recovery who were dealing with the debt at the time, dropped a clanger when They forwarded an e-mail with a read request attached, to 2 other soliciters so I got a "Your message

To: Info at H

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B

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Subject: X

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Sent: Thu, 1 Jun 2006 10:52:23 +0100

was deleted without being read on Thu, 1 Jun 2006 17:15:09 +0100" After this GDR had to withdraw because of the breach of the DPA (they had forgotten to tell me that the matter was being passed to the soliciters). It was at this time that I was assured the the PPI would pay up
The Matter was then passed to Lowells who took 4 years to tell me why the PPI had not paid off the debt. They have now passed the matter on to our friend Mr Carter although they have as yet omitted to tell me that. Bearing in mind that:
a) I have not acknowledged any liability for the debt since August 2005;
b) At least 1 company has had to withdraw because of irregularities in the way they handled the matter;
c) Mr Carter Has not complied with my request under the CCA;
d) I have not heard from Capital One since 2006;
e) After the High Court ruling against the Banks on PPI in April this year;
What is the next step, and where do I stand?