Thanks for your advice. You’re right I have been a member for many years but have not been on the site for a very long time & this is a new issue for me.

Hi I would appreciate any advice please I bought a 3 seater sofa, snuggled chair & ottoman from barker & Stonehouse which was delivered at the end of February. I noticed after approx 6 weeks that the material was marking quite badly, the cushion foam innards were not seated correctly & that there was bagging of material. I contacted the retailer who asked me to send photo's which I did on 26th April. I didn't hear anything in response so contacted them again on 3rd June. Again they asked for Photo's which I sent again. Barker & Stonehouse advised that they were sending Homeserve out to inspect on the 16th June. What a joke, he advised that he would send his report within 48 hrs & the retailer would contact me. I contacted the retailer the following week after having had no response. The report said there was no issue with my sofa's & could I put the problems in writing, & explain what the Homeserve Technician had said. This was my email to Barker & Stonehouse I received a response to the marks on the sofa as follows from the manufacturer, These comments from the retailer, I am responding as follows My question to all you great Caggers is "Is there anything else I can do?" This furniture cost nearly 3k & as the photo's show already looks really shabby. Thanks

Hi, I wondered if anyone can help. I searched my credit file today & in the closed account section, there is 2 accounts with Lowell. I had problems with them in the past, but these were sorted out many years ago. From what I can tell, on one account they show payments of £11 a month finishing in 2011 & £10 a month finishing in 2015. My issues are 1. I didn't make these payments & have bank statements to prove. 2. By Lowell showing these payments, accounts on my credit file which should have been removed by now, are still there effecting my report & score. ((It says on my report that the only 2 negatives are that I have a serious default with Lowell & that I don't have a credit card) 3. When the accounts were closed it still shows a balance of £11 on one account & £10 on the other What can I do? Any help or advice gratefully received.

Thanks once again

Hi emandcole, Got a bit of a problem, for online submission, it must not exceed 120 lines & no matter what I do it is at least 50 over. Any ideas?

P.s I am going to submit this online.

Wow emandcole...that is something else. Is there something I could add to let the court know that they have not even given an agreement number or the original creditor from whom they bought the debt, on the claim form. Or is that not necesary at this stage? Thank you so much

Thanks very much!!

The request was signed for by a P Davies on the 5th June

Hi, thanks very much for your input. I sent the CPR 31.14 as detailed in post 24 registered delivery on the 4th June

Hi, No not yet. a dear friend died very suddenly of cancer last week & I had to travel to see there for a few days for the funeral etc & then had work commitments. I am not usually so unorganised. I could cobble something together but could do with some help.

Hi all Please help!!! Guess what, I have not received anything from Link & need to submit a defence to day. Do you think I need to go with an embarassed as have received no info. All help very very gratefully received

This is what I sent to Link Financial today. Lets see what reply I get....if any! CPR 31.14 Request On xx.xx.xx I received the Claim Form in this case issued by you out of the Northampton County Court. I confirm having returned my acknowledgement of service to the court in which I indicate my intention to contest all of your claim. Please treat this letter as my request made under CPR 31.14 for the disclosure and the production of a verified and legible copy of each of the following documents mentioned in your Particulars of Claim: 1. The Agreement. You will appreciate that in an ordinary case and by reason of the provisions of CPR PD 16 para 7.3, where a claim is based upon a written agreement, a copy of the contract or documents constituting the agreement should be attached to or served with the particulars of claim and the original(s) should be available at the hearing. Further, that any general conditions incorporated in the contract should also be attached. 2. The assignment 3. The default notice You should ensure compliance with your CPR 31 duties and ensure that the document(s) I have requested are copied to and received by me within 7 days of receiving this letter. Your CPR 31 duties extend to making a reasonable and proportionate search for the originals of the documents I have requested, the better for you to be able to verify the document's authenticity and to provide me with a legible copy. Further, where I have requested a copy of a document, the original of which is now in the possession of another person, you will have a right to possession of that document if you have mentioned it in your case. You must take immediate steps to recover and preserve it for the purpose of this case. Where I have mentioned a document and there is in your possession more than one version of that same document owing to a modification, obliteration or other marking or feature, each version will be a separate document and you must provide a copy of each version of it to me. Your obligations extend to making a reasonable and proportionate search for any version(s) to include an obligation to recover and preserve such version(s) which are now in the possession of a third party. In accordance with CPR 31.15© I undertake to be responsible for your reasonable copying costs incurred in complying with this CPR 31.14 request. If you require more time in which to comply with this request you must tell me in writing. You must tell me before the time for compliance with this request has expired. In telling me you require more time you must tell me what steps you have taken and propose to take in order to comply with this request and also state a date by when you will comply with this request. In addition your statement must be accompanied with a statement that you agree to an extension of the time for me to file my defence. Your extension of time must be not less than 14 days from the date when you say you will have complied with my request and you must state the new date for filing my defence. If you are unable to comply with this request and believe that you will never be able to comply with this request you must tell me in writing. Please note that if you should fail to comply with this request, fail to request more time or fail to agree to an extension of time for the filing of my defence, I will make an application to the court for an order that the proceedings be struck out or stayed for non-compliance and a summary costs order. I do hope this will not be necessary and look forward to hearing from you. Yours faithfully

Couldnt sleep so thought I would have a read through your thread. Oh my god, they really are the lowest of the low aren't they. At least from using this site, I am forewarned of their tactics.

Thanks to all of you for the support you are giving. I am going to a funeral tomorrow & will not be back on line until Sunday evening. Looking forward to reading your thread emandcole. Catch up with you all soon Have a good weekend