No just the statement showing the payments by standing order. But a SAR should show me all this information... Couldn't i ask Cap one to amend the credit file to confirm payments being received then? I was going to ignore Cabot and carry on paying as we have...but I'll send them a CCA request and CAP one a SAR request.

Yes I have. Not a usual credit card statement - but a summary of all payments received to date. We didn't ask for this,it just came a few weeks ago. Also our bank statement showing the monthly payments and the card number as the reference.

Letter only came last night. I will send the cca request to cabot and i think i should see what charges have been added as well over the years by Capital one? What about the fact no payments have been registered on the credit file and its constantly showing default?

Yes that came through with letter informing us of the change. Not happy though,as the standing order was set up last year with a monthly payment of x which has not been reflected even on the credit file.

Where do we stand with capital one and a old debt being paid by standing order every month.. * we set up payment by standing order as they weren't helping..since payments were made they were quiet *credit file shows no payments and just monthly default updates * now had a letter saying debt sold to cabot and pay them not us Any advise guys?

Just to update. They came back with a good defense and a offer of a tomlin order...so I told him he'd be better to accept to avoid a CCJ with all the costs included. End result is 50 pound a month/ £1000 settlement. It was either that or potentialy £2k ccj. Thanks for your help guy's.

I'm back for more help please. My friend has a hearing date and I want to help him prepare for it. Basically as I understand a signed statement. I have searched around and can't see much like we need but was thinking of something along these lines and attaching our original defense to it....basically trying to give a brief timeline... I XXX make this statement as my defense brought by city college Southampton. Documents supporting the claim in the particulars have been provided stating the course was started on the 9th November 2012. Value of tuition fees are given as £1800.00 and fees paid as £225.00 on the enrollment form. Court claim form given as £1350.00 unpaid tuition fees. Amount claimed is £1589.38 excluding court fee.The above have some what confused me as to what the true figure is. • When I joined the course I informed reception and my tutor xxx xxxxx I was in the process of applying for student finance and if this was not successful I would not be able to carry on with the course and fees. •I was advised to pay as normal and once the finance option was finalized this would be fine •I made payments on 12th November 2012 £225.00, 24th December 2012 £225.00 totalling £450.00. Claimant has specified only £225.00 has been paid with no date given. •I informed my tutor and reception on the 4th January 2013 I would not be able to carry on with the course as my finance application had been refused. I was advised to make in writing and emailed at 10.06am to:enquiries@southampton-city.ac.uk on the 14th January. •I then heard no more and moved to London in 2013 •I received a call and sent an email outlining my position once again on 29th April 2013 with my new address and not received any reply once again. The call was from the ex-tutor. •The first I have heard from the college is the county court summons sent on the 12th March 2015. No pre action protocol letter from the claimant until court summons was received Without clarification of the points raised above I the defendant am extremely disadvantaged and the claimants claim appears to be with out merit. I XXX believe the above statement to be true and factual to the best of my knowledge *attached copy of emails * Original defense "I believe that the facts stated in this are true." Signed xxxxx Date xxxxx What do you think guys? He doesn't want a county court judgement - but also feels he should pay the full amount stated?

Thanks very much for your help Andy - I'll see how we get on.

Thanks for your help and agree its more damage limitation than anything else.

Nothing documented - well he has 2 emails sent on 16th January 2013 and 16th April - no replies from the colleage though. The email on the 16th January confirms what he had said verbally at the beging of January.I have a couple of queries though:1* they say he has only made 1 payment - its actually 2 from his bank account2* This was not sent to a debt collector or any pre-court warning letterNot sure if the above makes any difference though.

Yes I had uploaded in post 9.I'm not the defendant - its my friend - and I had said if need be I will go to court with him as he's not confident.

Thanks Andy - particulars of claim are.. 1 - The claimant claims £1350.00 for unpaid tuition provided by the claimant to the defendant, full details have been provided to the defendant(s) as per the following:debt - issue date 9.11.12 - amount £1350.002. 2 - The claimant's terms of payment are that payment is due as indicated above 3 - The claimant has complied with sectionns lll and lV of the civil procedure rules practice direction relating to pre-action conduct 4 - The claimant also claims interest under section 69 of the county courts act 1984 at 8.00% per annum from the date of each and every invoice to the date hereof calculated at £239.38 and thereafter at the rate of £0.30 per day until judgement or earlier payment.

does the above look ok guys - or should I be adding anything?

Thanks Sabresheep - can you guy's have a look at the below and let me know what you think/or add any extra? 1. Paragraph 1 is denied on the basis that Tuition was not provided to the defendent from January 2013 until 2nd May 2014. The defendent puts the claiment to strict proof that tution was provided between January 2013 until 2nd May 2014 2. Paragraph 2 is denied. The claimant is put to strict proof to show how the defendant entered into the terms. 3. Paragraph 3 - should this not be denied as the claimant did not issue pre-action conduct? 4. Paragraph 4 is denied for the same reason as 1 and 2 and therefore the claimant is entitled to no relief what so ever. 5. I believe that the facts stated in this defence of particulars of claim are true signed xxxxxx dated xxxxxx

Could you have a look at the below? I am helping my friend with his defence - he's dug his head in the sand and i've just come back off holiday.. Claim date is 12th March - so defence has to be in by Monday 13th April by my reckoning.Here is what i am thinking - what do you guy's think? I XXX make this statement as my defence brought by city college Southampton. Documents supporting the claim in the particulars have been provided stating the course was started on the 9th November 2012. Value of tuition fees are given as £1800.00 and fees paid as £225.00 on the enrolment form.Court claim form given as £1350.00 unpaid tuition fees. Amount claimed is £1589.38 excluding court fee.The above have some what confused me as to what the true figure is. • When I joined the course I informed reception and my tutor xxx xxxxx I was in the process of applying for student finance and if this was not successful I would not be able to carry on with the course and fees. •I was advised to pay as normal and once the finance option was finalised this would be fine •I made payments on 12th November 2012 £225.00, 24th December 2012 £225.00 totalling £450.00. Claimant has specified only £225.00 has been paid with no date given. •I informed my tutor and reception on the 4th January 2013 I would not be able to carry on with the course as my finance application had been refused. I was advised to make in writing and emailed at 10.06am to:enquiries@southampton-city.ac.uk on the 14th january. •I then heard no more and moved to London in 2013 •I received a call and sent an email outlining my position once again on 29th April 2013 with my new address and not received any reply once again.The call was from the ex-tutor. •The first I have heard from the college is the county court summons sent on the 12th March 2015. Without clarification of the points raised above I the defendant am extremely disadvantaged and the claimants claim appears to be with out merit.I XXX believe the above statement to be true and factual to the best of my knowledge