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bigdude007

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  1. bigdude007
    I appreciate all the input I've gotten off the forum, you've been a great help but unfortunately I bent under the pressure. Oh well, at least I'll never have to think about it again in 10 months time. Cheers again guys
  2. bigdude007
    Cheers Andy. Got that slightly late as I just sent an agreement to pay their ridiculous costs on production of receipts. Banged on £250 + VAT for an agent to appear at court on Monday. I've been stitched up like a kipper, but had to do it as I don't have the energy to carry on. So many more waiting in the wings to deal with as well, but at least this is all my money now being paid out so they won't be able to take anymore off me
  3. bigdude007
    End of play today. The SOS is in his office until half 5, but sooner rather than later. PDQ in his words Wants an email saying I agree to paying the original debt, plus the out of pocket court fees and other expenses (so all the ones I listed above). The wife is saying just agree and pay as it's about £500 less than what they will be chasing in court.
  4. bigdude007
    This is the letter I sent them, amounts have been changed. In order to save court time and further costs, I am offering to pay the original amount incurred on the credit card account of £2000 paid in installments of £300 a month with the first month being a payment of £400. Unless default charges have been added to the account which through arrangements between both parties the proper amount owed can be worked out and paid off. I hope that this is an arrangement that both parties will be satisfied with. Now with all the extras that they want to put on it is £400 extra on the debt. Bit of a sob story but suffering from pnuemonia at the moment and have been for the last few weeks, hence the hospital visit and I aren't going to be paid for this time off work. I'm exhausted and ready just to pack in and pay them there blood money. If I pay the original debt with all the default charges on, am I able to claim them back from the original lender?
  5. bigdude007
    Yes small claims track
  6. bigdude007
    Spoke to sos and this is what they want from me to settle the debt. Trace fee summons cost allocation cost hearing fee listing solicitor fees original balance of debt. Court is monday so this is all 11th hour stuff
  7. bigdude007
    Received a reply to ,my letter which I stated that I would pay the original debt amount. They have returned saying they will accept plus the court fees and other expenses incurred. But no amount is printed on the letter, so if I agree I could be agreeing to a huge amount of money. Going to ring them now and find out what they think the total will be.
  8. bigdude007
    To avoid going to court I'm going to offer to pay the original debt amount without the interest that they have piled on plus costs. Fingers crossed they will accept this and it will not go any further, if they disagree then there is no choice but to carry on to court
  9. bigdude007
    OK Court is coming up at a fair rate of knots. I received their pack a week after I sent my witness statement. I think I will be bringing that to the courts notice, every date that has been set down by the court has been ignored by SOS. In their pack that they sent me it says that I requested documentation but nowhere on it did I say I didn't owe money to the company. After the date and before the Dear Sir I had put "I do not acknowledge any debt with your company". They have also said they didn't receive my aq, which I emailed to them. Finally they say my defence isn't CPR compliant and in any event the issues raised by the defendant does not put forward a positive denial of liability, which is not capable of illustrative answer to contents of pack 1 but only relates to a question of quantum. All greek to me
  10. bigdude007
    cheers Andy, head is a bit puddled at the moment & everything is just getting a little on top. So anyway it's past the court deadline for handing over statements. I kept up my side but it seems SOS are above court orders and haven't bothered their a*sea to comply. Score 1 Bd 0 SOS
  11. bigdude007
    Will I have to send a copy of the notice of assignment as it is mentioned in the statement? Apologies for all these questions but it's so close now to filing time I'm beyond stressed and want to get it as close to correct as I can manage
  12. bigdude007
    As time is running out this is my witness statement, it's short and sweet but I don't have anything to work from as SOS haven't complyed with the court order. IN A COUNTY COURT CLAIM NUMBER blah blah blah BETWEEN SOS Claimant And Bigdude Defendant Witness Statement ME Address 1.) I am defending this claim against me as I never received a default notice from the claimant. 2.)Also I only received a notice of assignment after requesting it through CPR procedure. 3.)Once received the notice of assignment explained that the account had been assigned on xx/xx/2008 but was not sent until xx/xx/2011 giving the claimant 3 years of interest to claim while I had no knowledge of the assignment. 4.)The first time I was aware of the claimant trying to recover the monies was a last letter before legal proceedings demanding the full amount, which doesn't follow pre action protocol. 5.)The last letter before legal proceedings had an account number I did not recognise. 6.) As the Claimant has not provided to provided a breakdown of the amount claimed, I am unable to assess if there are any default/penalty fees included, or indeed if there have been any other accounting errors. I believe the facts in this witness statement are true
  13. bigdude007
    Spoken to the court. SOS haven't filed any documents with the court as of yet....cut off is 4pm today Apparently I am meant to receive a witness statement from them although it isn't very clear in the hearing documents I received.
  14. bigdude007
    I'm trying to put the witness statement together but I don't know how I'm meant to defend myself as I've never received an AQ from SOS. So all I'm going to be able to put is: Case number xx vs xx Witness Statement Me Address 1.) I am defending this claim against me as I never received a default notice from the claimant. 2.)Also I only received a notice of assignment after requesting it through CPR procedure. 3.)Once received the notice of assignment explained that the account had been assigned on xx/xx/2008 but was not sent until xx/xx/2011 giving the claimant 3 years of interest to claim while I had no knowledge of the assignment. 4.)The first time I was aware of the claimant trying to recover the monies was a last letter before legal proceedings demanding the full amount. 5.)The last letter before legal proceedings had an account number I did not recognise I believe the facts in this witness statement are true
  15. bigdude007
    Is it only me that has to provide a witness statement?

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