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Hi..I never heard from Cohen again, so they discontinued the Claim. I would really appreciate any advice on how to remove this default from my credit file. Also I think I paid PPI on this Debenhams storecard, way back in 2003, and don't really kmow how to go about checking, as I no longer have these details. Any help would be great.. thanks

Hi,

Thanks for that advice. Also I want to claim the interest on the higher balance.. the time it took for them to refund the money (Oct.2011-Dec.2012) So as well as charges, interest was also being charged on the higher balance. I'm not sure how I would work that out:???: Can you help me with this? Thank you

Hi, They have sent me a computer printout listing all interest charges , will this be enough? I've calculated the total charges and interest added since the return of the item,then found the daily rate and added the 8%. I'm not sure if this is correct, as part of this interest was on a legitimate balance. I'm just not sure how to calculate re the laptop total(bit confusing) The total amount of days was 417! So I added all my 12.00 charges plus interest then worked out the daily rate and added this. Help??

Hi, I'm here again, seems like a long time and i'm not so in touch with it all now! I do need a bit of help with "simply Be" the name sums them up anyway.

In December,2010 I bought a laptop from them then returned it a week later, as I found it much cheaper somewhere else! Weeks later I noticed it was still showing on my statement and they acknowledged this and told me it would be re credited. It was never re credited and large amounts of interest were added to the account. They finally re credited the amount on the 29th December, 2011 after many more annoying phone calls. However they have refused to refund any charges and interest added to the account. If I am to try to reclaim this, do I only claim interest on the purchase price of the item x the number of days?:|and if you could point me in the right direction it would be much appreciated

At the moment the account is in dispute so no further interest is being added.

I have been really busy and totally forgot about this, mainly because Cohen s never replied so the Court said it would be struck out. However I've just checked my credit file and noticed a CL Finance default dated October, 2009. What can I do about this please. I'm a bit out of touch!

OK Yes, as you said, I have received the allocation Questionnaire this morning, from my local court. Still no defense or docs. from Cohens. AQ has to be in by 8th Jan.

Hi just an update. I received a letter from the Court on 16th November, advising me that they were serving a copy of the defence on the claimant's solicitor. I think the 28 days, in which they had to reply, must be about up. Any advice, or just wait?

Just an update..I have received an acknowledgement for my defence. The Claiment must now contact the court within 28 days of receiving a copy.

Ok thanks for that doing it now!!!

Have I misunderstood it..It says if I send the acknowledgement of service I must send a defence to the court to arrive no later than 28 days from the date of service. The date of service was 1st Nov. I acknowledged the claim on 30th Oct.

Thanks for the advice postggj, I acknowledged the Claim on 30th Oct. the defence has to be in by 28th November. I will use the above. Sending this week.

Hi Postggj..No, unfortunately don't have the default notice, so not really sure where I stand on this, as they're probably not going to comply with my request for docs. Any suggestions on how to proceed? Should I send a counterclaim re the removal of the default along with the defence?

bump

Looking to prepare my defence today. Checked my credit file and default showing. Can I make a counterclaim to have it removed or just submit the embarrassed defence....

What a surprise..the usual letter from Cohens this morning, this claim is less than 5000.00 so CPR does not apply blah blah blah........

Right, thanks for the advice..i'll just wait and keep an eye on my deadline.

Now that I've acknowledged the claim, I guess I should really make the payments I missed, so I'm up-to-date. Will the DCA, accept now as it's in the hands of cohen? I usually make the payment by card as their useless site never accepts my details(even though I have mentioned it to them several times, and still they cannot solve the mystery) So do I make the payments or hold fire?

Sent the CPR 31.14 today, thanks for the link PGH7447. Have been reading for a couple of hours today.....so many threads on this Cohen eejit..

Hi GhostDebt,

Thanks for the reply. I have now acknowledged the claim online, stating I will defend in full.

After reading a few threads it seems Cohen are responding to both the CPR 31.14 and CPR 18 with the following:-

As this matter relates to a small claim Part 18 does not apply, therefore, we are not obliged to provide this information under the C.P.R and would advise that the particulars of claim detailed in the CCC form should be suffifcient to allow you to respond accordingly.

Also on one of the threads, he was advised to send a copy of both. Should I just send the CPR 31.14 as advised?

Hello I was wondering if anyone could give me a bit of advice as it's been so long now since I went to court and reclaimed my bank charges.

I opened a store card account at Debenhams in 2002 and later had difficulties keeping up the payments due to my marriage break up etc. I reclaimed my charges from GE capital in around 2005 and was left with a balance on the account. This was tfr to CL Finance ltd and an agreed monthly amount was reached. I recently received a statement, showing charges which effectively cancelled out 10 of my payments..so I would be paying this debt forever!

I wrote to CL finance expressing my concerns, and in the meantime missed two payments.

They have now defaulted me and I have today received a claim form from Howard Cohen...

The poc are as follows-

The claiment's claim is for the sum of..

being monies due from the defendent to the claimant under a regulated credit agreement made in writing under ref...

The defend. has failed to make payment in accordance with the terms of the agreementbeen servedupon the Defendent pursuant to sect. 87(1) of the consumer credit Act 1974.

The claiment claims the sum......

I can't seem to find my original agreement with Debenhams..re the storecard, so I'm still looking for that. Have I got any grounds to contest this claim? Any help and advice would be appreciated.