A father and son both accused of a £4.7m fraud appeared in court together.
Paul Cooke, 56, and Tom Cooke, 20, allegedly carried out a series of frauds that began when Tom Cooke was 17.
They are accused of defrauding car insurance, bailiff enforcement, newsagents and convenience store, and mortgage companies.
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The two men, both of Millbrook Lane, Eccleston, St Helens, appeared in the dock at Liverpool Crown Court.
They first spoke to confirm their personal details, before each pleaded not guilty to seven joint counts of fraud, during a short hearing.
According to the first charge, on August 21, 2017, they both "dishonestly" and intending to make a gain for Paul Cooke made a representation to One Sure Insurance Limited, which was "untrue or misleading".
They are said to have falsely claimed that Paul Cooke had been insured with Drivology until July 2017 and had a protected no-claims bonus of at least nine years on that policy.
The next six charges all allege false representations they are said to have made intending to make a gain for them both.
On or about September 21, 2017, they are said to have falsely claimed Paul Cooke had his motor insurance policy cancelled by One Sure, that he became unemployed as a result, and that the address for service of proceedings on One Sure was Spitfire House, Coombe Lane, London, SW20 OLA.
Between April 2 and April 24, 2018, they are said to have made a series of false representations to Direct Collection Bailiffs Limited, namely that the firm was required to "immediately" pay to Paul Cooke "the funds they had previously collected from One Sure".
On or about October 11, 2017, they are said to have made false representations that Paul Cooke was owed £31,500 by Martin McColl Limited and that the address for service of proceedings on Martin McColl Ltd was Ashwell Road, Bradford BD8 9DP.
Between December 19, 2017 and April 1, 2018, they are said to have made false representations that Martin McColl had admitted liability in a county court claim and the company was liable to pay Paul Cooke £31,500.
On or about November 17, 2017 they are said to have made false representations that Paul Cooke was owed £4,792,745 by Birmingham Midshires Financial Services Limited and that the address for service of proceedings on Birmingham Midshires was Trinity Road, London, SW18 3SL.
Between January 10, 2018 and April 26, 2018, they are said to have made a series of false representations that Birmingham Midshires had admitted liability in a county court claim and the company was liable to pay Paul Cooke £4,792,745.
Judge Robert Trevor-Jones asked Sarah Griffin, representing both father and son, what the likely issues were to be in the trial.
She replied: "They both deny dishonesty."
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Kevin Slack, prosecuting, said their trial would be estimated to last five to seven days.
He said Paul Cooke would be defended at trial by Daniel Travers, while Tom Cooke would be represented by David Birrell.
Judge Trevor-Jones fixed the trial for August 8 next year and remanded both men on bail.
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