Can I just confirm . . . . do I fill in the form asking for more information ( which gives me another 30 days ) and send them a CCA request, which has to be replied within 12 days ? Just a bit confused, sorry !!! If I send both will they have to reply in 12 or 30 days ? Thank you.

What is the claim for – As per previous correspondence we can confirm that the benefit of the above referenced debt was legally assigned to Aseet Link Capitol(N05) Limited on the **/**/2017 with Link Financial Outsourcing Limited being appointed to administer and recover the account. We would also like to take this opportunity to confirm that the original agreement was incepted on the **/**/2016, the original creditor being Newday LTD. If required you may request a copy of the original agreement. Due to your default the full balance is due and outstanding. Link Financial Outsourcing Limited has attempted to negotiate payment of the amount with you but has however not been successful. In the circumstances we hereby demand payment of the outstanding amount. What is the value of the claim? £700 Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card When did you enter into the original agreement before or after 2007? Last year. Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Dca has bought it. Were you aware the account had been assigned – did you receive a Notice of Assignment? To be honest I have been mentally broken for over a year so I cannot be sure, sorry ! Did you receive a Default Notice from the original creditor? Not sure. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Again, for the above reason I am not sure ! Why did you cease payments? Ill health and loss of employment What was the date of your last payment? Must have been last year. Was there a dispute with the original creditor that remains unresolved? Just couldn't pay ! Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management planicon? I did inform all my creditors ( my wife did it on my behalf ) that we could no longer keep up the payments due to ill health.

Thank's for the speedy reply, I will try and get all the info but I am not that good at this stuff due to my poor mental health. Just to clarify this is not an actual court form, but a letter threatening court if I do not respond ! Thanks

Hi everyone, just received a " Letter of claim " letter from Kearns Solicicitors. They have given me 30 days to respond to a credit card debt I defaulted on last year. The amount is for £700, but due to ill health I have been unable to communicate with the DCA " Asset Link Capital ( bought from Newday LTD ) My question is this likely to to go to court as threatened ? I havn't been able to work for a year, and am in massive debt with no income. Just wondered if I should respond, but I have nothing to offer ? Thanks in advance for any advice, I do appreciate it really. Thank you.

Hi, and thanks for a great site. I am self employed, but due to bad depression for last year have got a lot of credit card debt. Finally sought help from doctor and starting to feel human again. Been advised to go bankrupt due to my situation, but really want to stick it out and build up my business again. My question is when my credit cards default will the DCA's try and take my van and tools ? I owe 30k and it is going to take me a while get back up running, but really would prefer to give it a go. Any thoughts would be really appreciated. Thank you