I've got two letters today, one from the court and one from DLA-Piper LLC.

Both have very different dates on them, so I can only assume that they've been

sat in an understaffed Post Office sorting office until now....

I also see that a forum arguement is upon us, and Im probably going to have to do this on my own now....

Letter to DLA-P then Mike, just copy for my file...?

Thanx again m8...

Yep... I absolutely agree m8..

But my point is that they are required to serve these documents on time, and living in the age we

do, there's no reason why they couldn't have been sent to me by email or guarenteed/signed delivery.

I dare say they would be crowing from the treetops should I miss a deadline.

Update to this, is that there is no update. MCOL is showing as "DEFENCE", which was due last

Saturday, but I've had NOTHING from either the court, DLA Piper, or SAV credit Ltd..

So, my letter writing head is going to be active later, I assume that anything I send to DLA-P needs to be copied to the court??

Dave

 

Could you post its defence as and when the court serve please.

Yes...

Ok... Point taken.. Thanks.

Thanks Mike.. There was no check for it... That's why I included that detailed would follow.

I'll get it off and see what comes back..

Andy

 

I don't believe Dave checked the field for any detailed poc to follow, no mention of it at filing. The defendant has ack the claim as served. More detailed parts could I suppose be referred to within his reply to defence.

There wasn't an option in MCOL to check for detailed PoC.

That's why I have included in the brief claim details that there will be detailed documents to follow.

These are ready now, I'm going to send them to DLA Piper and a copy to the court.

Is that ok?

The brief PoClaim is crystal clear that all costs will be sought.

My next move is to send DLA P the detailed PoC and a copy to court, yes???

We have an update............

Working on detailed PoC already provided right now...

Continued support appreciated

Hey guys......

Got this letter from court on Friday, nothing special, but showing so

that peeps can see how easy the MCOL process is.......................

Tick tock...................

Just to update this.... The claim is now showing as "issued".

Aqua's webpage says the card is issued by SAV Credit Ltd, under licence from Progressive Credit,

both have the same address. Claim is against SAV as the card issuer, it's probably all the same company,

but I'm guessing at that.. A recent letter also contained SAV as the registered name with the same address.

It's the same company.....

Thank you Scott.....

Claim submitted & Court fee paid, & accepted....

Claim now LIVE...

It's REAL now...

Very late for me now..... I've JUST submitted MCOL for £1448.15.

So, watch this space... Claim is now officially registered.. MCOL...

OK... Thanks orfoster, it's not private anyway, I'll post them at some point...

PM reply basically said thanks for your statement of claim that you sent me, and that

the particulars of claim POC that I've come up with are this.......

The Claimant claims that aqua credit card

(SAV Credit Limited) has applied over

the duration of a credit agreement, unlawful

penalty charges amounting to £184.00. The

interest rate for this account is 39.95% and

the Claimant claims interest from the date of

charges at that rate. Some of the charges go

beyond six years, however, the Claimant

claims that these were payments made under

mistake, Kleinwort Benosn -v- Lincoln City

Council (payments made under a mistake) and

seeks full recovery regardless. The Claimant

first approached the Defendant on 27th July

2013 with an initial approach for repayment,

this approach was rejected, and the Claimant

then served the Defendant with a Letter

Before Action on 11th October 2013, the

response received on 30th October being

almost identical to the initial approach and

refusal leaves little option but to take the

Court route. The Claimant claims the full

amount of Penalty Charges to be repaid, plus

interest at the account rate, and all costs

at the County Court rate applicable.

Thanks again mate...

Want to get this submitted on Saturday, no point in peeing around

now I've had their refusal rather than an ignore...

Ok..... Have ammended MCOL to SAV Credit Limited..

Address is the same as Progressive, but website shows it as aqua's Registered Address...

http://www.savcredit.co.uk/

Replied twice now, both in my sent box...

And replied, thank you...

OK.... Forgetting how easy this actually is (getting lazy perhaps?!)..... ;-)

I've done the POC.... Would anyone like to see ?

I've now completed & saved stages 1 to 4 of the MCOL process,

I'll need a kickstart with the PoC.... Just a general idea, I learn quickly!

I've started with.....

"The claimant claims that aqua credit card (Progressive Credit Limited)............."