On GOODF
Been sent court claim form from Ascent Legal is yet another example of how GOODF can screw up lives.
Member vul3ck6 joined on 24 January, to ask advice about her (I assume female) case. She has made only 8 posts to the forum.
vul3ck6 wrote:I have been accused of being a guarantor for a business loan (Natwest) which I have no idea of.
That's the case in a nutshell. The sum is over £20,000.
Tiggy was the only person to reply. She must have skipped over that sentence, and the repetition two days later:
vul3ck6 wrote:First, I have no idea that I am the guarantor of the loan, ...
Tiggy's boilerplate reply was to send boilerplate requests for documentation. Did Tiggy advise that vul3ck6 should deny being the guarantor? Nope.
So vul3ck6 followed Tiggy's advise and wrote a defence. It didn't include a statement that vul3ck6 wasn't a guarantor. It did include this, near the end:
vul3ck6 wrote:... Secondly, if I was the alleged guarantor, why did I not receive any letter from the Claimant before? ...
That's not a statement, it's a question.
Tiggy did comment:
Tiggy wrote:... to be honest it reads more like a case summary not a defence.
... but she didn't mention anything about whether vul3ck6 was actually a guarantor.
Finally, today, she wakes up to the nub of the defence. But even now, she suggests sending another boilerplate letter asking for more documentation that wouldn't help this defence.
Of course, it is possible that vul3ck6 is lying or mistaken or trying it on, and actually was the guarantor. But if vul3ck6 might have been truthful, Tiggy's advice should have addressed this critical point.
(I was once in a slightly similar position, being accused of owing loadsamoney following a court case. I didn't owe the money and knew nothing about the court case, which didn't involve me or anyone I knew or had heard of. Proving all those negatives would be difficult, but it took only 30 minutes to convince the claimant that they were after the wrong person. I'm sure that
not sending FOTL boilerplates helped to convince them.)