Seek advice, please.

[echat11]

echat11 I have a few questions about points 4,6,7 and 8.

4. It is admitted/denied in my case?
I entered the agreement with Express gift Limited ( they send me a copy of the agreement with Express gift Limited (trading as Studio).
The agreement does not mention the original creditor at all?

What should I do on 6,7and 8? Should I delete it or keep it?
6. The Particulars of Claim state the date when the agreement was entered into.
7 and 8. The Claimant's Solicitor has sent a copy of the notice of assignment and Default notice.

Thank you for taking the time to have a look at this

a) 4. It is admitted/denied in my case?
I entered the agreement with Express gift Limited ( they send me a copy of the agreement with Express gift Limited (trading as Studio).
The agreement does not mention the original creditor at all?

That can go in your witness statement, the problem is, if you state that you didn't take out an agreement, when you did, that wouldn't be true. Your defence is they haven't supplied the correct agreement. The anomalies you have pointed out.

b) What should I do on 6,7and 8? Should I delete it or keep it?
6. The Particulars of Claim state the date when the agreement was entered into.
7 and 8. The Claimant's Solicitor has sent a copy of the notice of assignment and Default notice.

Keep all of them. What I'm saying is that you should submit the Defence in post 14.

[rachelhawley]

a) 4. It is admitted/denied in my case?
I entered the agreement with Express gift Limited ( they send me a copy of the agreement with Express gift Limited (trading as Studio).
The agreement does not mention the original creditor at all?

That can go in your witness statement, the problem is, if you state that you didn't take out an agreement, when you did, that wouldn't be true. Your defence is they haven't supplied the correct agreement. The anomalies you have pointed out.

b) What should I do on 6,7and 8? Should I delete it or keep it?
6. The Particulars of Claim state the date when the agreement was entered into.
7 and 8. The Claimant's Solicitor has sent a copy of the notice of assignment and Default notice.

Keep all of them. What I'm saying is that you should submit the Defence in post 14.

echat11

I just submitted the defense online. I appreciate your help again.

What's next?

[echat11]

It might be an idea to send a copy of your Defence to the Creditors solicitor. Make sure you get Proof of Postage.

Once the Court has accepted your Defence, in 2 / 3 weeks you and the creditor will receive a Directions Questionnaire.

It needs to be filled in carefully and correctly. You will be asked if you want Mediation, it's a good idea to accept (it's free, it's held over the telephone with a mediator). Providing both parties agree to mediation.

You need to send a copy of the Directions Questionnaire to the Court and their solicitors, make sure you get Proof of Postage.

If it isn't resolved, then Witness Statements has to be exchanged, then a Hearing.

A good guide below.

https://www.judiciary.uk/publication...-civil-221013/

[rachelhawley]

Thanks