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Thread: CCBC Claim form received from Arrow / Restons Re: Egg loan

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    panther12's Avatar

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    Default CCBC Claim form received from Arrow / Restons Re: Egg loan

    Helping a friend who has today received a Northampton CCBC claim form. Arrow Global is the claimant with Restons as their solicitors. It relates to an Egg loan taken out around sep 2005 and defaulted 2009 owing around £1500. Below is the particulars as on the claim form:
    -------------------------------------------------------------
    The Claimant claims payment of the overdue balance due from the Defendant under a contract between the Defendant and Egg dated on or about 20/09/2005 and assigned to the Claimant on 10/05/2011 in the sum of £1552

    PARTICULARS a/c no:- xxxxxxxx

    DATE ITEM VALUE
    11/02/2013 Default Balance 1552

    Total: 1552

    Signed: Restons Solicitors Limited

    ------------------------------------------------------------
    The issue date on the form is 05 Feb 2014. It says the day of service is taken as 5 days after the issue date, so 10 Feb 14.

    At the moment we have registered on moneyclaim online and have submitted the AoS.

    I take it we now need to send a CPR to Restons for copies mentioned in their PoC.

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    Default Re: CCBC Claim form received from Arrow / Restons Re: Egg loan

    You should ask the claimant to replead the case and it should be verified with a statement of truth. If they refuse lodge an application to strike out the claim.

    CPR 16 and practice direction 16 as well as PD 22 and CPR 22.1

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    Default Re: CCBC Claim form received from Arrow / Restons Re: Egg loan

    Thanks M1. The box below the PoC does contain "The Claimant beleives that the facts stated in this claim form are true and I am duly authorised by the claimant to sign this statement". The signature is printed "Restons Solicitors Limited".

    The PoC on the form is exately as I posted, have they not complied with the proper procedure. They do mention the contract and asignment (debtor has never received a NOA) so was going to request these under CPR but do you think asking them to replead should be our first move.

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    Default Re: CCBC Claim form received from Arrow / Restons Re: Egg loan

    http://www.justice.gov.uk/courts/pro.../pd_part22#3.1

    3.10 A legal representative who signs a statement of truth must sign in his own name and not that of his firm or employer.

    http://www.justice.gov.uk/courts/pro...es/part22#22.2

    Failure to verify a statement of case
    22.2
    (1) If a party fails to verify his statement of case by a statement of truth –
    (a) the statement of case shall remain effective unless struck out; but
    (b) the party may not rely on the statement of case as evidence of any of the matters set out in it.
    (2) The court may strike out(GL) a statement of case which is not verified by a statement of truth.
    (3) Any party may apply for an order under paragraph (2).



    Replead 1st, ask by phone. As it's quite a low amount of claim, making them work and racking up costs might make them decide it's not worth it. (far from guaranteed).

    As always for a litigant in person, never threaten to do something if you won't follow through as you'll come over weak and they'll try to take liberties with you.

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    I can only help with what you tell me. Post up information (other than names and addresses!).

    I NEVER enter any appeals or court documentation on your behalf. This is your responsibility.

    Upload images to your thread like this .Email [email protected] if you can't upload images/documents. She doesn't own a crystal ball as far as i'm aware so link to your thread or tell her how to find it !

    If you want to tell someone YOU were driving, go to confession.

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    Default Re: CCBC Claim form received from Arrow / Restons Re: Egg loan

    That is very interesting. I've had a look at threads from other posters who have posted their claim form from Restons and their PoC's are very much the same template design that restons use and all have the same signature signed by "Restons Solicitors Ltd". I guess no one has challenged on this point before. I will certianly ask them to replead but if they ignore or refuse do you think a court would consider an application to dismiss their claim based just on the sigature point, or likely to class it as a minor oversight and allow.

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    Default Re: CCBC Claim form received from Arrow / Restons Re: Egg loan

    They shouldn't. There are specific rules and they ignored them.

    This signature has major consequences i.e. nobody would be accountable for non truths and potentially be in contempt of court whereas courts have held that what i would call trivial issues were ruled against the wrongdoer http://civillitigationbrief.wordpres...ng-disallowed/

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    I can only help with what you tell me. Post up information (other than names and addresses!).

    I NEVER enter any appeals or court documentation on your behalf. This is your responsibility.

    Upload images to your thread like this .Email [email protected] if you can't upload images/documents. She doesn't own a crystal ball as far as i'm aware so link to your thread or tell her how to find it !

    If you want to tell someone YOU were driving, go to confession.

    I,I,I,I,I,I should be avoided unless you are Jim Diamond.

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    Default Re: CCBC Claim form received from Arrow / Restons Re: Egg loan

    Of course when asking to replead one should not just attack on the signature. the pleadings are also poor. It doesn't mention CCA doesn't say if a contract/agreement was breached or whether the whole sum became due because the contract has ended. In short it discloses no cause of action. The pleadings are a nonsense.

    M1
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    I can only help with what you tell me. Post up information (other than names and addresses!).

    I NEVER enter any appeals or court documentation on your behalf. This is your responsibility.

    Upload images to your thread like this .Email [email protected] if you can't upload images/documents. She doesn't own a crystal ball as far as i'm aware so link to your thread or tell her how to find it !

    If you want to tell someone YOU were driving, go to confession.

    I,I,I,I,I,I should be avoided unless you are Jim Diamond.

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    Default Re: CCBC Claim form received from Arrow / Restons Re: Egg loan

    Thank you M1
    I'm going to get cracking on this today and think it best to put it in writing to Restons (with the intention that I can attach a copy to the court with the application should Restons choose to ignore). We will add the other points you mention but was also wondering if we should also incorporate it within a CPR 34.14 request based upon what is mentioned in their claim (contract, NOA & default notice). Just thinking that a strike out application might look more favourable to the court if detailed with all Restons breaches including failure to provide requested docs.

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    Default Re: CCBC Claim form received from Arrow / Restons Re: Egg loan

    Well you can't say on one hand that the particulars of claim are invalid and also use another rule to effect something based on them.

    There is nothing to be gained by writing to them. It takes to long, it gives them a chance to blame an administrative error and the royal mail do lose things. Use the phone. Email any coversation to them which can then be used against thm in court.

    M1
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    Private messages are off as all help on this site is on board.

    Please note i am now pretty much without access/time to help 5 days a week. Others will hopefully help you.


    I can only help with what you tell me. Post up information (other than names and addresses!).

    I NEVER enter any appeals or court documentation on your behalf. This is your responsibility.

    Upload images to your thread like this .Email [email protected] if you can't upload images/documents. She doesn't own a crystal ball as far as i'm aware so link to your thread or tell her how to find it !

    If you want to tell someone YOU were driving, go to confession.

    I,I,I,I,I,I should be avoided unless you are Jim Diamond.

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    Default Re: CCBC Claim form received from Arrow / Restons Re: Egg loan

    May I run this past you as what I was thinking of sending. I'm not as confident on the phone and if poss would prefer deal in letter / email.

    I am in receipt of a claim form dated 05 Feb 2014 issued by you out of the Northampton County Court Bulk Centre. It is unfortunate that your client has chosen to go down the litigation route and ignore previous attempts of resolution to bring this matter to an amicable conclusion for all parties. As such, I am now forced to deal with the issues on a formal basis and within the guidelines laid down by the courts, which will undoubtedly involve further time and costs incurred for all parties and which I feel could have been avoided with a bit of cooperation from your client.

    Moving on to the claim form as issued, I bring to your attention serious flaws within your claim form which need to be addressed before continuing with any claim. As a solicitor I am sure you are fully conversant with the courts procedures including CPR and Practice Directions yet seemingly allowing claims to be issued with apparent disregard to the rules laid down by the courts.

    If a litigant wishes to rely on matters set out in his claim as evidence, it must be verified by a statement of truth. I refer you to CPR Practise Direction 22 paragraph 3.10.

    3.10 A legal representative who signs a statement of truth must sign in his own name and not that of his firm or employer.

    A solicitor may sign a statement of truth confirming that his client believes in the truth of the document in question. The solicitor should sign in his own name and not that of the firm.

    The solicitor's signature should mean that he has the client's authority to sign, that he has explained to the client that he will be confirming the client's belief in the truth of the statements concerned, and that the consequences of a false statement have been explained.

    I consider your failure to comply with the Statement of Truth to be a serious breach and certainly not de minimis, should you try to claim otherwise. This has major consequences: i.e., nobody would be accountable for non-truths and many judges are increasingly concerned at the casual attitude sometimes shown towards statements of truth.

    I further refer you to CPR 22.2

    Failure to verify a statement of case
    22.2
    (1) If a party fails to verify his statement of case by a statement of truth –
    (a) the statement of case shall remain effective unless struck out; but
    (b) the party may not rely on the statement of case as evidence of any of the matters set out in it.
    (2) The court may strike out a statement of case which is not verified by a statement of truth.
    (3) Any party may apply for an order under paragraph (2).

    Notwithstanding the above, I am further concerned by the apparent lack of clarity within the claimant’s statement of case. From my own findings it would appear that the pleadings as laid out on the claim form are of a template design similarly used and adopted by Restons Solicitors for the majority of issued claims of this nature. As such, the pleadings are poor and fail to mention if the contract is governed under the Consumer Credit Act, or if the contract/agreement was breached or whether the whole sum became due because the contract has ended. In short it discloses no cause of action.

    I appreciate that the claim as issued is a Bulk Centre claim, however, the rules on pleading still apply to claims issued out of the Bulk Centre and furthermore the Bulk Centre rules and guidelines clearly state that if you cannot properly particularise the claim in 1024 characters then you should not use the Bulk Centre to issue the claim.

    If your client wishes to continue with formal litigation through the courts in favour of adopting the more sensible approach to try and reach mutual agreement between the parties, I invite the claimant to re-plead its case pursuant to CPR 16 setting out concisely all facts upon which it seeks to rely. In addition, the statement of case to be verified by a statement of truth signed by a person with knowledge of the facts to allow the statement of case to stand as evidence.

    I look forward to hearing from you shortly and in any event before the expiration of the timeframe allowed by the courts for me to respond to this claim form. If I do not hear from you, you will leave me with no alternative but to make an application to the court to strike out the statement of case, with costs associated for such application.

    Yours faithfully

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    Default Re: CCBC Claim form received from Arrow / Restons Re: Egg loan

    Having read other recent threads regarding Restons, they certainly do play dirty. We sent a cpr request for the agreement, NoA and Default Notice which is aluded to in their poc and have received their reply. They did enclose a copy of the Egg agreement, which I new they had as they had sent a copy in previous correspondence. Regarding the Noa & DN they say it's not mentioned in the poc so does not come under CPR 31.14. I find this strange as their poc does mention the agreement was asigned and does make reference to a "Default balance".

    They have also requested £1 from us for providing the agreement as the cpr request stated we would pay their reasonable costs to provide documents. Their breakdown is 10 pages @ 10p per page. They could have used both sides of the paper for 50p!

    They certainly do like to play hard ball and would appreciate any help on which way to attack this. The main arguments as I see them are that we have never denied an agrrement existed with Egg, however do dispute that Arrow have any entitlement and standing in this case as claimant and we have never received a NoA or default notice.

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    Default Re: CCBC Claim form received from Arrow / Restons Re: Egg loan

    Well not getting these documents is good for you. They are both required. However it is hard to prove a negative. Now obviously they would have to convince the court on balance that both were sent before it becomes your problem to convince them that they were not received. 50.00001% is enough. Some judges are very hard to sway as a filthy debtor whilst others are open minded and as neutral as they should be.

    M1
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    Private messages are off as all help on this site is on board.

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    I can only help with what you tell me. Post up information (other than names and addresses!).

    I NEVER enter any appeals or court documentation on your behalf. This is your responsibility.

    Upload images to your thread like this .Email [email protected] if you can't upload images/documents. She doesn't own a crystal ball as far as i'm aware so link to your thread or tell her how to find it !

    If you want to tell someone YOU were driving, go to confession.

    I,I,I,I,I,I should be avoided unless you are Jim Diamond.

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    Default Re: CCBC Claim form received from Arrow / Restons Re: Egg loan

    Not sure if it's allowed to post links to the other forum but during my research into Restons I came across this thread, rather long but gives an insight into the workings of this firm of solicitors. Not a nice bunch to deal with!
    http://www.consumeractiongroup.co.uk...ot-Help-Please

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    Default Re: CCBC Claim form received from Arrow / Restons Re: Egg loan

    Quote Originally Posted by panther12 View Post
    Not sure if it's allowed to post links to the other forum but during my research into Restons I came across this thread, rather long but gives an insight into the workings of this firm of solicitors. Not a nice bunch to deal with!
    http://www.consumeractiongroup.co.uk...ot-Help-Please
    Yes, you are allowed to post links to other forums, LB is not like other sites (including the one in question), where links are often blocked.

    Many threads are too long and it just wouldn't be practical to C&P the whole thing! :nono:

    You are absolutely right about Restons, they are one of the most aggressive firms around, although when it comes to dirty tricks, I'd say they've lost out to Bryan Carter.

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    Default Re: CCBC Claim form received from Arrow / Restons Re: Egg loan

    Quote Originally Posted by FlamingParrot View Post
    Yes, you are allowed to post links to other forums, LB is not like other sites (including the one in question), where links are often blocked.

    Many threads are too long and it just wouldn't be practical to C&P the whole thing! :nono:

    You are absolutely right about Restons, they are one of the most aggressive firms around, although when it comes to dirty tricks, I'd say they've lost out to Bryan Carter.

    Which is why the first thing anyone should do is say "oi asshole the particulars of claim ain't signed, getting it sorted"

    M1
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    Private messages are off as all help on this site is on board.

    Please note i am now pretty much without access/time to help 5 days a week. Others will hopefully help you.


    I can only help with what you tell me. Post up information (other than names and addresses!).

    I NEVER enter any appeals or court documentation on your behalf. This is your responsibility.

    Upload images to your thread like this .Email [email protected] if you can't upload images/documents. She doesn't own a crystal ball as far as i'm aware so link to your thread or tell her how to find it !

    If you want to tell someone YOU were driving, go to confession.

    I,I,I,I,I,I should be avoided unless you are Jim Diamond.

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    Default Re: CCBC Claim form received from Arrow / Restons Re: Egg loan

    I'm on it M1.
    From reading some of pestons replies to other members I think it's gloves off time.
    No doubt Miss L Tipping will be keeping a close eye on events. I really think she needs to get out a bit more.:tinysmile_twink_t2:

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    Default Re: CCBC Claim form received from Arrow / Restons Re: Egg loan

    Having seen examples of their standard template responses I sent this.


    Further to the claim form issued in this case and your letter dated 13 February 2014 from Miss L Tipping, please serve amended Particulars of Claim and plead your client’s case in an appropriate manner.

    Although providing a copy of a purported contract between myself and Egg, you have denied me inspection to documents requested under CPR 31.14 and necessary to enable me to establish your client’s legal standing in this case. You state that the requested documents are not “mentioned” in your Particulars of Claim and therefore CPR 31.14 does not apply.

    I remind you that the Particulars of Claim issued, although vague and lacking the most basic of details, do make reference to an “assignment” to the claimant and a “Default Balance”. Now before you start spouting that my request is nothing more than a “fishing expedition” and that I should already know the basis of my defence without sight of the documents that I have requested, I inform you that at no point have I been served a Notice of Assignment, Default Notice or any other document to establish your client’s legal standing to lay this claim before the courts. As such, my request is a valid request.

    I find it particularly interesting that you believe you can deny sight of the documents asked for and which are referred to in your Particulars of Claim. Please explain why this is. Surely you should have no problem providing such documents to show your client has legal standing to bring this claim before the courts. Your letter appears to be nothing more than an attempt to use your position and legal knowledge to deny a litigant in person sight of important information needed.

    As you have denied my request made under CPR 31.14 for sight of the documents mentioned in your statement of case, from my own research I feel that I will be wasting my time by requesting them under CPR 18 and suspect that any request will be met with your standard template response (as is your reply to my CPR 31.14 request) that the list of documents/information requested is extensive and is not “reasonably necessary” or “proportionate”.

    My request was concise and confined to matters which are reasonably necessary and proportionate to enable me to understand and prepare the case I have to meet.

    Moving on to the claim form as issued, I bring to your attention serious flaws which need to be addressed before continuing with any claim. As you are obviously sticklers for CPR rules and court protocol, as evidenced in your denial of my reasonable request for information, I am sure you are fully conversant with the courts procedures and Practice Directions yet seemingly allowing claims to be issued with apparent disregard to the rules laid down by the courts.

    As solicitors you will be aware that when a litigant commences legal proceedings and issues a claim form, the particulars of claim must be verified by a statement of truth. I refer you to CPR Practice Direction 22 paragraph 3.10.

    3.10 A legal representative who signs a statement of truth must sign in his own name and not that of his firm or employer.

    A solicitor may sign a statement of truth confirming that his client believes in the truth of the document in question. The solicitor should sign in his own name and not that of the firm.

    The solicitor's signature should mean that he has the client's authority to sign, that he has explained to the client that he will be confirming the client's belief in the truth of the statements concerned, and that the consequences of a false statement have been explained.

    I consider your failure to comply with the Statement of Truth to be a serious breach and certainly not de minimis, should you try to claim otherwise. This has major consequences: i.e., nobody would be accountable for non-truths and many courts are increasingly concerned at the casual attitude sometimes shown towards statements of truth.

    I further refer you to CPR 22.2

    Failure to verify a statement of case
    22.2
    (1) If a party fails to verify his statement of case by a statement of truth –
    (a) the statement of case shall remain effective unless struck out; but
    (b) the party may not rely on the statement of case as evidence of any of the matters set out in it.
    (2) The court may strike out a statement of case which is not verified by a statement of truth.
    (3) Any party may apply for an order under paragraph (2).

    I appreciate that the claim is issued via the County Court Bulk Centre and that the procedure only allows the Claimant to insert brief details of the claim and does not allow for the attachment of any enclosures. However, aside from the failure to verify the statement of case, your claim is shockingly inadequate even allowing for the constraints of the Bulk Centre.

    To be frank, for a firm of specialist solicitors whose bread and butter it is to issue such claims on a daily basis, I find your failings to adhere to basic court protocol inexcusable.

    Now before you bang on about Practice Direction 16 and that it has no effect to claims issued via the Bulk Centre, I remind you that the rules on pleading still apply to claims issued out of the Bulk Centre and, furthermore, the Bulk Centre rules and guidelines clearly state that if you cannot properly particularise the claim in 1024 characters then you should not use the Bulk Centre to issue the claim.

    If your client chooses to continue with formal litigation through the courts in favour of adopting the more sensible approach to try and reach mutual agreement between the parties, I invite you to re-plead your client’s case within 7 days, this time in the proper manner and pursuant to CPR 16, setting out concisely all facts upon which it seeks to rely. In addition, the statement of case to be verified by a statement of truth signed by a person with knowledge of the facts to allow the statement of case to stand as evidence.

    I look forward to hearing from you within 7 days, failing which you will leave me no alternative but to make application to the courts to dismiss your claim, including costs. In order to avoid this, I invite your client to withdraw the claim to these proceedings. Should you wish to do this, please confirm it in writing to me within the next 7 days.

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    Default Re: CCBC Claim form received from Arrow / Restons Re: Egg loan

    As we don't envisage any cooperation or the courtesy of a response from Rectums, I need to start looking at the next steps. Just want to confirm the date timeline is correct:

    Claim issue date: 05/02/14 + 5 for service: 10/02/14
    AoS dated: 08/02/14
    Need to submit by 10/03/14?

    Does the fact that we acknowledged before the date it was deemed served alter the timeline from 10/02/14 to 08/02/14?

    If they don't reply by 25/02 to start chasing Rectums and offer them extension under cpr 15.5.

    If still no joy or agreement to extend by 04/03/14 to start preparing to submit to the court before the deadline expires.

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    Default Re: CCBC Claim form received from Arrow / Restons Re: Egg loan

    Quote Originally Posted by panther12 View Post
    As we don't envisage any cooperation or the courtesy of a response from Rectums, I need to start looking at the next steps. Just want to confirm the date timeline is correct:

    Claim issue date: 05/02/14 + 5 for service: 10/02/14
    AoS dated: 08/02/14
    Need to submit by 10/03/14?
    Yes, that's correct.

    Quote Originally Posted by panther12 View Post
    Does the fact that we acknowledged before the date it was deemed served alter the timeline from 10/02/14 to 08/02/14?
    No, you still get a total of 28 days (+ 5 for service) to submit a defence.

    Quote Originally Posted by panther12 View Post
    If they don't reply by 25/02 to start chasing Rectums and offer them extension under cpr 15.5.
    You don't offer them an extension, you get them to agree to an extension of up to 28 days and put it in writing (email should be fine) so you can notify the court of the agreement.

    Quote Originally Posted by panther12 View Post
    If still no joy or agreement to extend by 04/03/14 to start preparing to submit to the court before the deadline expires.
    ...or apply for an unless order. :thumb:

    If you decide to apply for an unless order, you'll need to show what steps you have taken to get them to comply, so keep copies of every letter and/or email you send and make notes of any phone calls. You'll need to include all the history leading to your application. :typing:

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    Default Re: CCBC Claim form received from Arrow / Restons Re: Egg loan

    Thanks FP, best to be certain of dates as I'm sure they'll have their calendar marked ready to hit the default ccj button.

    Yes we will be asking that it's for them to agree the extension, after all it's for their own benefit allowing them to get their act together.

    If I don't get any joy I'm undecided on the best course of action to take. To make an application which I'm sure they will contest, or submit a simple defence based on their simple PoC and highlight the steps taken and their non-compliance.

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    Default Re: CCBC Claim form received from Arrow / Restons Re: Egg loan

    You are not offering them an extension. The extension is for you to file a defence. You are being gracious in doing this which also looks good to a judge.

    An unless order is, by far, the better option. It won't matter if they contest it if you prepare well. There is also the chance a judge with not bother with a hearing as we have seen here at least twice.

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    Please note i am now pretty much without access/time to help 5 days a week. Others will hopefully help you.


    I can only help with what you tell me. Post up information (other than names and addresses!).

    I NEVER enter any appeals or court documentation on your behalf. This is your responsibility.

    Upload images to your thread like this .Email [email protected] if you can't upload images/documents. She doesn't own a crystal ball as far as i'm aware so link to your thread or tell her how to find it !

    If you want to tell someone YOU were driving, go to confession.

    I,I,I,I,I,I should be avoided unless you are Jim Diamond.

  22. #22
    panther12's Avatar

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    Default Re: CCBC Claim form received from Arrow / Restons Re: Egg loan

    I think you're right M1. Will get swatting up on this.
    Rectums Modus operandi appears to be that if a defence is submitted, they may then send further docs and say that they have fulfilled all their obligations so withdraw the defence & pay up otherwise they apply for SJ at your home court with the threat of costs and Barrister fees added. They really are a bunch of shysters!

  23. #23
    panther12's Avatar

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    Default Re: CCBC Claim form received from Arrow / Restons Re: Egg loan

    Nothing much to update at the moment except that when checking callcredit CRA, Arrow have updated the entry and the balance outstading has gone up to what now looks like it includes the amount for their court claim issue fee and solicitor's costs added to the balance. Concidering that they have not obtained any judgement in the case I think it's a bit presumptuous to be updating the CRA entry with these added figures before any judgement has been obtained.

  24. #24
    panther12's Avatar

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    Default Re: CCBC Claim form received from Arrow / Restons Re: Egg loan

    Received a reply back from Miss Tipping. I think the last paragraph says it all really.

    She basically says that they are surprised that I now allege not to have been served with a NoA & DN and I cannot sensibly make a positive assertion that the documents were not served on you. If you did not receive these 2 items then that is an entirely different allegation.

    She says I have not previously advised of not having received the 2 documents and previous correspondence only asserted that the agreement failed to comply with the CCA.

    Goes on to say the OC is a sophisticated financial institute and has procedures in place to ensure that a DN is issued to the customer prior to an account being terminated and therefore do not think you can sensibly allege that no DN was served on you.

    Furthermore they do not think we can realistically challenge the assignment of the account to their client as their client would not have been able to obtain your personal details such as name, address, DOB, outstanding balance, account number etc if there had not been a valid assignment.

    Given that I have not paid the photocopy charge that I undertook to pay in my cpr31 letter, no further docs will be provided to you. In any event we maintain that there is no obligation for us to provide them under cpr31.14.

    With regards to the PoC not being verified by a properly signed statement of truth, (it was signed Restons Solicitors) Miss Tipping says that the proceedings were issued electronically via the ccbc and that it is impossible for a person to physically sign the claim form in their own name!

    I think the mentality of that last comment beggars belief

  25. #25
    mystery1's Avatar

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    Default Re: CCBC Claim form received from Arrow / Restons Re: Egg loan

    Why didn't you pay the £1 ?

    M1
    ********************************Signature********* ************************

    Private messages are off as all help on this site is on board.

    Please note i am now pretty much without access/time to help 5 days a week. Others will hopefully help you.


    I can only help with what you tell me. Post up information (other than names and addresses!).

    I NEVER enter any appeals or court documentation on your behalf. This is your responsibility.

    Upload images to your thread like this .Email [email protected] if you can't upload images/documents. She doesn't own a crystal ball as far as i'm aware so link to your thread or tell her how to find it !

    If you want to tell someone YOU were driving, go to confession.

    I,I,I,I,I,I should be avoided unless you are Jim Diamond.

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