Court Summons from Sigma re M & S credit Card

[gallahad]

Any advice appreciated re summons from Northampton bulk centre for £12,000 M&S credit card alleged debt. The account was never terminated to my knowledge. My CCA request was answered with a copy of a signed application form and 4 pages of terms and conditions. The terms and conditions differ from a two page version sent one year previously.
I received and assignment notice supposedly from M&S which was sent in the same envelope as the assignment notice from Sigma SPV1 based in jersey. HL legal & collections are acting for Sigma. None of the documents mentioned in the POC have been sent with the claim.
G

[mystery1]

Re: Court Summons from Sigma re M & S credit Card

Excellent news.

M1

[pt2537]

Re: Court Summons from Sigma re M & S credit Card

Aww shame

Re the other matter, im having a shufty at that now, you may well have some homework to do though mate.

[gallahad]

Re: Court Summons from Sigma re M & S credit Card

Just to let you guys know that the slimeballs have now thrown in the towel and are paying all costs. This all thanks to PTs knowledge and efforts.
G

[gallahad]

Re: Court Summons from Sigma re M & S credit Card

AND I would like to wish that good source the best of fortune with his new venture.
G

[pt2537]

Re: Court Summons from Sigma re M & S credit Card

I had the best legal help Santander's money could buy msl:

Indeed you did lmao

[PlanB]

Re: Court Summons from Sigma re M & S credit Card

Did you go alone? or did you have help?

No bloody way. I would never walk into a court room on my own :fear:

I had the best legal help Santander's money could buy msl:

[gallahad]

Re: Court Summons from Sigma re M & S credit Card

On this one I have help from a very good source.
G

[pt2537]

Re: Court Summons from Sigma re M & S credit Card

Are you going alone as a LIP or do you have help :doggieyes:

Did you go alone? or did you have help?

[PlanB]

Re: Court Summons from Sigma re M & S credit Card

Court date is set for December.
g

Are you going alone as a LIP or do you have help :doggieyes:

[gallahad]

Re: Court Summons from Sigma re M & S credit Card

Court date is set for December.
g

[PlanB]

Re: Court Summons from Sigma re M & S credit Card

I will of course give a full account when as things transpire at this stage I am putting in an amended defence as they failed to provide the documentation to support their case under my CPR request.

What transpired next :noidea:

[PlanB]

Re: Court Summons from Sigma re M & S credit Card

I am putting in an amended defence as they failed to provide the documentation to support their case under my CPR request. It's expected the court will decide they will have to meet the cost of the amendment.

So I should think !

Also keep a list of all the time and effort you have put in on this case as a LIP before you instructed solicitors. I was advised that I could claim this (£18 per hour) when I got a costs order so I hope you will be able to do that too. But let's not get ahead of ourselves yet :beagle:

[gallahad]

Re: Court Summons from Sigma re M & S credit Card

I will of course give a full account when as things transpire at this stage I am putting in an amended defence as they failed to provide the documentation to support their case under my CPR request. It's expected the court will decide they will have to meet the cost of the amendment.

G

[PlanB]

Re: Court Summons from Sigma re M & S credit Card

No it was not a storecard as I had one of those when they offered me a discount when I was in the shop to sign the application for the MORE card

I've gone back through your thread and I can see it wasn't an 'unsolicited credit token' (i.e. uninvited credit card) so you've got a different defence (my mistake ). Nevertheless I look forward to following your legal arguments on this one :nerd:

I remember John Lewis went through a phase of pressure selling whenever I presented my storecard at the till for a purchase. It was the same deal as M & S which was a discount if you signed up on the spot, but since there was always a queue of people behind me waiting to pay I didn't want to be a pain so declined. But there was clearly no time to give those people who did fill in the form any Ts & Cs to read and understand. I complained to John Lewis at the time and they admitted that the staff got paid commission for each one signed up. I expect M & S did the same