Peter of England - My County N244 Experience (Intrum , Capquest)
My recent experience in Leicester County Court has been a frustrating but highly educational lesson in how these "zombie debt buyers" operate. I followed many of the core principles Peter of England (NEW VIDEO)๐ค has outlined, yet the judge still granted a summary judgment against me, striking out my defense and ordering costs. This was a result not of the merit of my case, but of a minor technicality that highlights how these firms exploit procedural loopholes. The truth is, I had done everything right. I had a strong defense, built on meticulous research and key case law. I had sent multiple Notices of Conditional Acceptance and formal Subject Access Requests (SARs) as far back as 2023, consistently asking for proof of claim, such as the Deed of Assignment (DOA). Like a true litigant in person, I was asking for the documents to substantiate the claim, but Intrum consistently failed to respond to my SARs, and their agent Capquest provided contradictory and confusing documents that were full of errors and inaccurate data. My research, like Peter of England's, showed that without a valid Deed of Assignment (DOA) from the original lender (Virgin Money) to the debt buyer (Intrum), they have no legal title and, therefore, no standing to enforce the debt. I filed a formal N244 application to set aside the judgment, citing these failures, the FCA authorization issues (from the Intrum v Baldwin case), and my broader claim in the High Court for GDPR and equity breaches. My defense was solid and grounded in law. The Claimant's barrister, however, avoided these substantive issues and instead relied on a procedural technicality: the summary judgment was granted under CPR 3.4 (for striking out a defense), not CPR Part 12 (default judgment), so my N244 application was procedurally incorrect. The judge, without hearing my arguments, went with the Claimant's barrister's submissions, and the case was lost on that minor technicality. The lesson for our group is clear: these firms are not afraid of our legal arguments. They are afraid of us bringing them up. My case, where I asked for a witness from Intrum with "first-hand knowledge" of the debt, and the judge was still able to side with the barrister who had no knowledge of the case, is a stark reminder that they will do everything they can to bypass the core legal issues. We must not be discouraged. Instead, we must be more vigilant, and use their own procedural rules against them. My next step is to continue with my GDPR and equity claim in the Business and Property Courts, where the judge will be forced to hear these arguments on their full merits. We must get these cases into the correct courts that are designed to deal with these exact issues. I will keep the group updated on my progress.