Perch/TM - PAPLOC now claimform - old Oakbrook loan through Likely Loans

[dx100uk]

well they dont know you are getting the email so usual game for calls/txts/emails block, bounce, report as spam.

what was the loan - a payday loan type thingy?

who are TM legals client? OC's don't usually do court nor PAPLOC.

found a random post from 5 jan 2022 now post 1 here.

why are you wasting money on recorded post?

2nd class stamp with free proof of posting from any po counter is good enough......

[dx100uk]

TM are sols for hire and typically work with JCI

 

your is not the next move

[dx100uk]

could be a bluff

see if you do get a claimform pack in a large windows envelope from Northants Bulk then..

 

dx

 

[dx100uk]

how did they get your email?

if the claim does come

you need to kill that by telling them not tot  use it.

 

its prob not a bluff so redact the agreement and lets see their cards.

 

dx

 

[dx100uk]

no NOA and DN are fatal to a claim..dont get scammed

 

 

[dx100uk]

you only get agreement section 78 , as for the rest that would be a CPR 31.14 IF the claim is real, but bottom line is they HAVE to produce them at disclosure stage in their WS ...if if if it ever gets to that stage.

 

don't forget it's a speculative claim phishing exercise to see if you'll wet yourself and make a fatal mistake during the court process..

 

DON'T!!

 

dx

 

[dx100uk]

anything in that box you blanked out?

how did you apply for the loan?

online?

 

dx

 

[dx100uk]

so if you signed up online there should be an IP address 

missing huh?

 

this could be fun proving where and when this loan was signed up to.

 

 

 

[dx100uk]

please complete this:

likely loans are not the claimant and are nothing to do with it now. perch capital are.

your defence is not due for 33 days....

any IRL complaint would be against the original creditor nothing to do with the court claim.

get the q&A done please

[dx100uk]

1 hour ago, finaldj said:

The account was assigned to TM Legal Services from Perch Capital who are the Claimant so not sure who TM Legal I assume as they are asking any documentation be sent to them
 

 

EH?

 

On 28/04/2023 at 10:21, dx100uk said:

TM are sols for hire and typically work their stated clients

 

solicitors represent clients in court matters, the debt is not assigned (sold) to them

 

pop up on the MCOL website detailed on the claimform.
[if mcol is not working return after the w/end or the next day if week time]
.
 register as an individual on the Gov't Gateway Site
Go to HMRC's login page.
Click the GREEN sign in button.
Click “Create sign in details”
Enter your email address where asked.
You will now be emailed a confirmation code. ...
You will now be issued with a User ID for your government gateway account.
 note down your details inc the long gateway number given, you might need it later.
 then log in to the MCOL Website
.
 select respond to a claim and select the start AOS box.
.
 then using the details required from the claimform
.
 defend all
 leave jurisdiction unticked
 you DO NOT file a defence at this time
[BUT you MUST file a defence regardless by day 33 ]
click thru to the end
confirm and exit MCOL.
..
get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant]
...
https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/

.
 type your name ONLY
Do Not sign anything
.do not ever use or give an email
.
you DO NOT await the return of ANY paperwork 
you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]

 

..............

[dx100uk]

just fully follow the guide eh? thousands have

 

stop always getting confused

dx

 

[dx100uk]

the ones that shout the loudest are usually the ones that lose or discontinue as they know they have no cards.. TM are masters at that....

[dx100uk]

eh?

 

dx

[dx100uk]

really?

 

where does any post/guide say that here....

[dx100uk]

.................the £1 PO is for a CCA request....

[dx100uk]

there isn't one. never has been

you should have/be reading like threads already here on CAG.

use our enhanced google search box.

how about perch tm claimform.

dx

 

[dx100uk]

you dont fill out the form

you respond on MCOL as you did for AOS

but post up you defence here FIRST for checking please.....

 

as for the PAPLOC debacle, your defence is not the place to bring it up if there is an issue. later in your ES p'haps...

[dx100uk]

8 hours ago, finaldj said:

Last time I filled it out and and sent it to this email address ccbcaq@justice.gov.uk it was updated on the system by them.

probably because MCOL was fruked.

that looks a bit old hat embarrassed defence to me.

you dont need the statement of truth if you file online at mcol.

id phap's base it more upon or holding/no paperwork defence, top few paras are missing?

............... add it these/base around

1.  The Defendant contends that the Particulars of Claim are vague and generic in nature.  The Defendant accordingly sets out its case below and relies on CPR 4 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 

 

3. Paragraph 1 is noted.  I have in the past had financial dealings with Progressive Money Limited.   

 

5.  The Claimant is put to strict proof to:

(a)  show how the Defendant has entered into an agreement; and
(b)  show and evidence the nature of breach and service of a default notice  pursuant to Section 87(1) CCA1974; and

(c)  show how the Defendant has reached the amount claimed for; and
(d)  show how the Claimant has the legal right, either under statute or equity to issue a  claim.

6. On receipt of this claim I requested by way of a CPR 31.14 request and a section 77 request, copies of the documents referred to within the Claimant’s particulars to establish what the claim is for. 

I am currently waiting for the Claimant to comply with my section 77 request as well as receipt of copies of the documents requested in my CPR 31.14 request.

7. As per Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.

8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82 A of the Consumer Credit Act 1974.

 

9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.

 

[dx100uk]

you are doing the same you did last time in court!!

stop using old out of date defences!!

adapt the one @andyorch gave you for lowells

Lowell/Overdales - PAPLOC Now Claimform - 2x Old Shop Direct Isme/Very Cat debts - Page 2 - Financial Legal Issues - Consumer Action Group

 

[dx100uk]

a tomlin/consent will be on your terms too. 

but if you dont meet them at any point after its signed it would be an automatic CCJ .

mediation would probably result in the above anyway.

 

[dx100uk]

you approach the claimant sols.

 

dx

 

[dx100uk]

reply to the recent email.

simply state you are willing to enter into a tomlin/consent at £PCM to settle the matter save to costs.

start at a very low £PCM but be prepared to up it a bit once.

they will always go for a silly £PCM figure stand your ground

they might want an I&E too....

see what they respond with.

 

dx

 

[dx100uk]

1 hour ago, finaldj said:

oppose your filed Defence.

so what.

1 hour ago, finaldj said:

we would also point out that the Defence filed is in a format that is circulated on consumer-based websites whereby Defendants are encouraged to use this template in order to avoid repayment of their debts.

so what.

1 hour ago, finaldj said:

where Judgment may be granted against you and costs may be awarded in a sum up to £900.00.

utter BS!! its small claims!!

all sent to frighten you into accepting.

nope write back stating you can only goto £25PCM (ideally it should be about £57PCM over 5yrs)

[dx100uk]

so the claim is stayed 

yours is not the next move then.

 

[dx100uk]

dont use email. use 1st class stamp get free proof of posting from any po counter, it does not hurt if its a day or 2 late you are a LiP (litigant in person - joe public against the system- you get certain leeway)

https://www.consumeractiongroup.co.uk/topic/347310-legal-n180-directions-questionnaire-small-claims-track-correct-at-sept-2016/#comment-5088148

3 copies

yes to mediation (unless you filed our Statute Barred Defence OR this is a claim for a Private Parking Ticket)

1 wit you

Suitability for determination without a hearing? no (read all the posts in N180 link above for the reason)

the rest is obv

1 to the court

1 to sols (omit phone/sig/email)

1 for your file

 

dx