Court claim received from Solaris Law Ltd dated 10th November

[robbieuk]

Hi All,

I have only yesterday received the Court Claim dated 10th November 2025. I have read that I am supposed to acknowledge it within 14 days which of course it is now past the date.

Before I post the full story and ask for any further assistance, could you please advise me what should I do now (what steps should be made as soon as possible).

Thank you

[robbieuk]

The claim reference starts with MONAxxxx

[echat11]

Hi ROBBIEUK

Welcome to LB

See if you can still acknowledge it online, MCOL website.

https://legalbeagles.info/library/gu...ledge-a-claim/

[robbieuk]

Thank you.

I actually found the line in the letter which stated that 14 day period starts counting from 5 days after letter was issued. I was fine to acknowledge it online yesterday evening.

Will have to focus now on doing the defence and will take it from there.

[echat11]

Fill in the following, copy / paste back to this thread without personal details -

Received a claim? Yes/No:
Issue Date:
Have you Acknowledged the Claim?:
Total Amount Claimed : ( approximately please do NOT use EXACT figure given on the claim form, round up to next £100 or £1000)
Claimant’s Name:
Solicitors Firm:
Original Creditor:
Original Debt (eg. Credit card/Loan/Overdraft) :
Particulars of Claim: ( Please type out in full excluding names/account numbers/exact amounts ):
Is the debt Statute Barred (have you had any contact with the creditor or claimant over the last 6 years?):
List any letters you have sent (eg: CCA/ CPR ):
Any Other Information or Background Details:
When was the account opened?


a) First Acknowledge the Claim, you can do this online via MCOL, this will give you 28 days (plus 5 days postal) in total to work on your defence - You've done this.

https://legalbeagles.info/library/gu...ledge-a-claim/

b) Send a SAR request to Original Creditor, they have 30 days to provide all the data they hold on the account. Make sure you get Proof of Postage.

https://legalbeagles.info/library/gu...ccess-request/

c) Send a CCA request to the Claimant, they have 12 days to provide a copy of the original agreement. Make sure you get Proof of Postage.

https://legalbeagles.info/library/gu...etter-example/

d) Send a CPR 31.14 request to their solicitors, they have 7 days to provide all the documents they are relying on to make the claim against you, again get Proof of Postage.

https://legalbeagles.info/library/gu...-of-documents/

e) This is an example Defence, start looking at it, don't fill or file it with the Court or their solicitors yet.

https://legalbeagles.info/library/gu...-court-claims/

Don't speak to creditors, solicitors etc over the phone, everything in writing. Keep on top of this, especially dates for filing defence etc. Workout when your Defence is due, 28 days from the date on the claim form. If you can post on the thread 5 days before it's due we can help with your Defence.

[robkeleuk]

Thank you Echat, really appreciate the list. No excuses, should have acted on your points earlier instead of starting to do them today....

Received a claim? Yes
Issue Date: 10th November 2025
Have you Acknowledged the Claim?:Yes, acknowledged
Total Amount Claimed : ( approximately please do NOT use EXACT figure given on the claim form, round up to next £100 or £1000) 21,800 (over 3 accounts and court fee)
Claimant’s Name: The Royal Bank of Scotland PLC
Solicitors Firm: Solaris Law Ltd
Original Creditor: The Royal Bank of Scotland
Original Debt (eg. Credit card/Loan/Overdraft) : 2x Loans and 1x Overdraft
Particulars of Claim: ( Please type out in full excluding names/account numbers/exact amounts ):

The Defendant (D) held the accounts as listed below with the claimant (C)
D failed to pay the sums due to C when demanded and the sums listed below remain outstanding

Is the debt Statute Barred (have you had any contact with the creditor or claimant over the last 6 years?): No
List any letters you have sent (eg: CCA/ CPR ): Sending both today
Any Other Information or Background Details:
When was the account opened? Can't really remember at the moment.... Loands would have been 2-4 years old and overdraft account was opened back in 2001 (though latest overdraft facility increased back in 2020).

B), C) and D) - sending out today with the proof of postage.

E) - started looking at the defence, will create some sort of a draft and will upload to the post later in the day

[echat11]

Thank you Echat, really appreciate the list. No excuses, should have acted on your points earlier instead of starting to do them today....

Received a claim? Yes
Issue Date: 10th November 2025
Have you Acknowledged the Claim?:Yes, acknowledged
Total Amount Claimed : ( approximately please do NOT use EXACT figure given on the claim form, round up to next £100 or £1000) 21,800 (over 3 accounts and court fee)
Claimant’s Name: The Royal Bank of Scotland PLC
Solicitors Firm: Solaris Law Ltd
Original Creditor: The Royal Bank of Scotland
Original Debt (eg. Credit card/Loan/Overdraft) : 2x Loans and 1x Overdraft
Particulars of Claim: ( Please type out in full excluding names/account numbers/exact amounts ):

The Defendant (D) held the accounts as listed below with the claimant (C)
D failed to pay the sums due to C when demanded and the sums listed below remain outstanding

Is the debt Statute Barred (have you had any contact with the creditor or claimant over the last 6 years?): No
List any letters you have sent (eg: CCA/ CPR ): Sending both today
Any Other Information or Background Details:
When was the account opened? Can't really remember at the moment.... Loands would have been 2-4 years old and overdraft account was opened back in 2001 (though latest overdraft facility increased back in 2020).

B), C) and D) - sending out today with the proof of postage.

E) - started looking at the defence, will create some sort of a draft and will upload to the post later in the day

Update when you start getting requested documents back.

[robkeleuk]

Have googled Solaris Law Ltd and their reviews brought some interesting info.

One of them -

**AVOID AT ALL COSTS FRAUDLENT NON COMPLIANT LEGAL OPERATION**

*UPDATE*

Found out this company which is basically Azzurro Associates are not part for the FSA and are instead paying clients of the CSA who of course have no issue with how they operate. The level of collusion going on here between multiple entities is an absolute scandal I have taken the time to report and ask for an investigation into their actions hopefully, between trading standards, the local authority, financial ombudsman and watchdog, something is done about this company and all their cohorts

Please avoid this organisation is part of a complicated web of companies who all utimately serve one company. Ever wondered why you cant find an online profile for Azzurro Associates, thats because they hide behind Solaris Law or Shire Collections. Solaris Law are apparently the legal and compliance arm of Azzurro Associates, however they are operate in anything but a manner of a proper legal entity. I had the misfortune of dealing with them as Azzurro had bought my account without me knowing and proceed to issue a fictitious default. This "Legal" company refuse to comply with SAR requests and hide behind the fact they bought the debt from elsewhere, in our case it wasnt even debt it was an account that was being serviced.

Trust me if you are looking for a company that can manage your debt collection or help you with defaulted accounts dont go near this lot as they dont adhere to the regulations which govern them and it surely wont be long before the wider public becomes aware of them and they are held to account. The phone lines are manned by what seems like teenages who know about as much about legal process as Rod Hull and Emu. For your own sake please avoid. They have been REPORTED for their conduct and I will look forward to them being made accountable for their financial misconduct.


The other one was -

Vultures. Azzurro Law is owned by Azzurro Associates whose parent company is Elliott Management, which describes itself as the fourth biggest hedge fund in the world, with $34Billion under management! They buy defaulted debts and aggressively chase them from people who have nothing, they threaten court action, they do not negotiate with you, they will tare anyone apart to get some cash. They buy the debts for pennies on the pound, most recently from Funding Circle, who offered loans to start ups, some of which failed and couldn't repay. They double the debt with interest and fees and demand the money, no matter the persons personal circumstances or tole on their life and self. They have purposefully bought unregulated personal guarantee debt because the people are not covered by the consumer credit act meaning Azzurro can behave and do what they want to recover the money. I don't know how these people sleep at night, truly vile and disgusting, I wonder how much blood is on your hands and families you have destroyed in your desperate attempt to add to your billions.

[robkeleuk]

I guess that would explain why I have never received any 'Letter before claim' or so I was under impression that I should get one

[robkeleuk]

I have sent SAR and CCA requests to original creditor and claimant (who are the same Royal Bank of Scotland).

I have however struggled with CPR 31.14 request to their solicitors. I know this will be probably quite late to send them as I only have 2 more days to file a defence but still want to send it.

Parts that threw me off - On xx/xx/xxxx I received a County Court claim from yourselves of which I have acknowledged receipt indicating my intention to defend in full.

Do I put the date that court claim was issued or the date that I have received it?

The following bit as well -

NB: ONLY LIST HERE DOCUMENTS THAT ARE MENTIONED IN THE PARTICULARS OF CLAIM ON THE FRONT OF THE CLAIM FORM – eg. IF THEY DON’T MENTION ‘ DEFAULT NOTICE’ YOU CANNOT ASK FOR IT UNDER CPR 31.14, IF THEY MENTION CONTRACT rather than AGREEMENT – ask for the CONTRACT…IF IN DOUBT TYPE OUT THE PARTICULARS OF CLAIM AND ASK ON THE FORUM.( and remove this paragraph too!!!!)
for EXAMPLE
1. Agreement / Contract
2. Default Notice
3. Notice of Assignment


The particulars of the claim are

The defendant (D) held the accounts as listed below with the claimant (C). D failed to pay the sums due to C when demanded and the sums listed below remain outstanding.
Account number Debt balance
(digits of bank sort code and account number) (amount)
(digits of bank sort code and account number) (amount)
(digits of bank sort code and account number) (amount)




I do understand that these were 2 loans and an overdraft account, but what do I request in CPR 31.14 request`?

Do I just ask for the documents related to these account numbers?

[echat11]

I have sent SAR and CCA requests to original creditor and claimant (who are the same Royal Bank of Scotland).

I have however struggled with CPR 31.14 request to their solicitors. I know this will be probably quite late to send them as I only have 2 more days to file a defence but still want to send it.

Parts that threw me off - On xx/xx/xxxx I received a County Court claim from yourselves of which I have acknowledged receipt indicating my intention to defend in full.

Do I put the date that court claim was issued or the date that I have received it?

The following bit as well -

NB: ONLY LIST HERE DOCUMENTS THAT ARE MENTIONED IN THE PARTICULARS OF CLAIM ON THE FRONT OF THE CLAIM FORM – eg. IF THEY DON’T MENTION ‘ DEFAULT NOTICE’ YOU CANNOT ASK FOR IT UNDER CPR 31.14, IF THEY MENTION CONTRACT rather than AGREEMENT – ask for the CONTRACT…IF IN DOUBT TYPE OUT THE PARTICULARS OF CLAIM AND ASK ON THE FORUM.( and remove this paragraph too!!!!)
for EXAMPLE
1. Agreement / Contract
2. Default Notice
3. Notice of Assignment


The particulars of the claim are

The defendant (D) held the accounts as listed below with the claimant (C). D failed to pay the sums due to C when demanded and the sums listed below remain outstanding.
Account number Debt balance
(digits of bank sort code and account number) (amount)
(digits of bank sort code and account number) (amount)
(digits of bank sort code and account number) (amount)




I do understand that these were 2 loans and an overdraft account, but what do I request in CPR 31.14 request`?

Do I just ask for the documents related to these account numbers?

So for each account, request 1. Agreement / Contract, 2. Default Notice and 3. Notice of Assignment.

Send them off, make sure you get Proof of Postage.
If your Defence is in 2 days, post on here tomorrow, so we can look at that.

[robbieuk]

This whole thing just could not come at a worst time I guess....At the time when it seems that everyone is out there to get a piece of us....mental ending to the year....

I have looked at the defence and thought of the following to use for now. What do you think of it?

1.The Defendant received the claim [Claim Number] from the Northampton County Court on 15th November 2025.

2.Each and every allegation in the Claimants statement of case is denied unless specifically admitted in this Defence.

3.This claim appears to be for Loan agreements regulated under the Consumer Credit Act 1974.

4.It is admitted that the Defendant has previously entered into agreement with The Royal Bank of Scotland for provision of credit.

5.The Claimants statement of case fails to give adequate information to enable me to properly assess my position with regards the claim.

6.The Claimant’s Particulars of Claim fail to state when the agreement was entered into.

(?) 7.The Claimants statement of case does not state if accounts were assigned from The Royal Bank of Scotland to Solaris Law Ltd. The Defendant does not recall receiving notice of this assignment.

8.It is denied that The Royal Bank of Scotland served any Default notice on the Defendant pursuant to s87 Consumer Credit Act 1974. The Claimant is required to prove that a compliant Default Notice was served upon the Defendant. The Claimant is required to prove that the any Default notice relied upon complied with the requirements of s88(4A) Consumer Credit Act 1974 and that the notice was in the prescribed form as required by The Consumer Credit Enforcement Default and Termination Notice Regulations 1983.

9..On the 11th December 2025 The Defendant sent a request for inspection of documents mentioned in the claimant’s statement of case under Civil Procedure Rule 31.14 to Solaris Law Ltd. I requested the Claimant provide copies of the Agreement, Default Notice and Notice of Assignment for each account.

10.Solaris Law Ltd has not sent any of these documents to the Defendant as of yet (?) (bit hard to do that as only sent the letter to them today and will arrive to them on Friday.

11.On the 11th December 2025 The Defendant sent a formal request for a copy of the original agreement to The Royal Bank of Scotland pursuant to section [77 or 78] of the Consumer Credit Act 1974 along with the statutory £1 fee.

12.The Claimant has failed to comply with [s77 (1) / s 78 (1)] Consumer Credit Act 1974 and by virtue of [s77 (4) / s 78 (6)] Consumer Credit Act 1974 cannot enforce the agreement.

13.Under Civil Procedure Rule 16.5 (4) Where the claim includes a money claim, a defendant shall be taken to require that any allegation relating to the amount of money claimed be proved unless he expressly admits the allegation. Therefore, it is expected that the Claimant be required to prove the allegation that the money is owed as claimed.

14.The Defendant respectfully requests the court orders the Claimants to provide the necessary documentation in order for The Defendant to fully plead his case else the Claim should stand struck out.

15.In the event that the relevant documents are received from the Claimant, the Defendant will then be in a position to amend his defence, and would ask that the Claimants bear the costs of the amendment.

16.It is denied that the Claimant is entitled to the relief as claimed or at all.


Also struggling with the last bit what to delete and what to leave.......

Statement of Truth

[I believe][the (claimant or as may be) believes] that the facts stated in this [name document being verified] are true. I understand] [The (claimant or as may be) understands that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.

[echat11]

Try to calm down, things always look worse then they are. When you start thinking about this (the debt / claim), do something you enjoy, e.g. listen to music, crossword etc. Just keep on top of it.

Read through it several times, if your have with it, it can be filed with the Courts via MCOL.


1.The Defendant received the claim XXXXXXXXX from the Northampton County Court on 15th November 2025.

2.Each and every allegation in the Claimants statement of case is denied unless specifically admitted in this Defence.

3.This claim appears to be for a loan agreements and overdraft regulated under the Consumer Credit Act 1974.

4.It is admitted that the Defendant has previously entered into agreement with The Royal Bank of Scotland for provision of credit.

5.The Claimants statement of case fails to give adequate information to enable me to properly assess my position with regards to the claim.

6.The Claimant’s Particulars of Claim fail to state when the agreement was entered into.

7.The Claimants statement of case does not state if the accounts were assigned.

8.It is denied that The Royal Bank of Scotland served any Default notices on the Defendant pursuant to s87 Consumer Credit Act 1974. The Claimant is required to prove that compliant Default Notices (2 x loans, 1 x overdraft) was served upon the Defendant. The Claimant is required to prove that any Default notices relied upon complied with the requirements of s88(4A) Consumer Credit Act 1974 and that the notices were in the prescribed form as required by The Consumer Credit Enforcement Default and Termination Notice Regulations 1983.

9..On the 11th December 2025 The Defendant sent a request for inspection of documents mentioned in the claimant’s statement of case under Civil Procedure Rule 31.14 to Solaris Law Ltd. I requested the Claimant provide copies of the Agreement, Default Notice and Notice of Assignment for each account (2 x loans, 1 x overdraft).

10.The Defendant awaits a response from Solaris Law Ltd to the request made on 11th December 2025.

11.On the 11th December 2025 The Defendant sent formal requests for copies of the original agreement (2 x loans, 1 x overdraft) to The Royal Bank of Scotland pursuant to section 77 of the Consumer Credit Act 1974 along with the statutory £1 fee.

12.The Claimant has failed to comply with s77 (1) Consumer Credit Act 1974 and by virtue of s77 (4) Consumer Credit Act 1974 cannot enforce the agreements.

13.Under Civil Procedure Rule 16.5 (4) Where the claim includes a money claim, a defendant shall be taken to require that any allegation relating to the amount of money claimed be proved unless he expressly admits the allegation. Therefore, it is expected that the Claimant be required to prove the allegation that the money is owed as claimed.

14.The Defendant respectfully requests the court orders the Claimants to provide the necessary documentation in order for The Defendant to fully plead his case else the Claim should stand struck out.

15.In the event that the relevant documents are received from the Claimant, the Defendant will then be in a position to amend his defence, and would ask that the Claimants bear the costs of the amendment.

16.It is denied that the Claimant is entitled to the relief as claimed or at all.

Statement of Truth

I believe that the facts stated in this Defence are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.

[robkeleuk]

Thank you very much Echat, you're a life saver!

[echat11]

Thank you very much Echat, you're a life saver!

Try not to worry, you have a lot more control over this then you think.