Hi,

I have received a claim form from northampton bulk centre with asset collections as the claimant.

The original loan was from lending stream who sold it to asset,

I dont mind paying it but the amount has grown somewhat from the last dca who chased it and i cant afford to pay that much back.

I have responded to the claim at moneyclaim.

help needed please

Hi,

I've moved this thread to our Financial Legal Issues Forum, you should get some help shortly.

Regards,

Scott.

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-December-2014**(5-Viewing)-nbsp

Could you copy and paste this and answer all the questions please, answers in red if poss, easier to read!

Name of the Claimant ? ASSET COLLECTIONS AND INVESTIGATIONS

Date of issue – 13 DEC 2016

What is the claim for –

1 Asset collections and investigations claim this amount in respect of an unpaid loan funded by lending stream.

the defendant failed to abide by the terms of contract.

Asset collections purchased this debt and sent notice of assignment to defendant.

2,The defendant has failed to respond from the claimant thus denying the claimant any opportunity in assisting the defendant to bring this matter to a conclusion.

What is the value of the claim? £620

Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? loan

When did you enter into the original agreement before or after 2007? after

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. debt purchaser

Were you aware the account had been assigned – did you receive a Notice of Assignment? yes by email

Did you receive a Default Notice from the original creditor? no

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? no

Why did you cease payments? Multiple loans could not afford to pay back

What was the date of your last payment? sept 2013

Was there a dispute with the original creditor that remains unresolved? no

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementicon plan? Told them i was in financial trouble

What did the OC do when you told them you were in financial difficulty?

What was the original amount you owe compared to what they say?

The new owner wont care about the reasons.

They want the money.

However the reasons will help to mitigate things in court.

Lending stream said i need to pay all the debt, the amount was £392 when it was with the first dca

got to to to bed now will check back tomorrow thank you for your help all

So this is a Pay day Loan which has been rolled over from lending stream.

You have 33 days in total if defending the claim in full...19 days to acknolwdge service and a further 14 days to submit your defence (33 days) you can do this on line by registering to use their service (MCOL) instructions are in the response pack.

Regards

Andy

pop up on the MCOL website detailed on the claimform.

register as an individual

note the long number given

then log in

.

select respond to a claim and select the AOS box.

.

then using the details required from the claimform

.

defend all

leave jurisdiction unticked.

click thru to the end

confirm and exit MCOL.

.

get a CCA Request running to the claimant

get a CPR request running to the solicitors

.

don't sign anything

leave the £1PO blank and uncrossed

.

dx

Ok will start that immediately,

This is the assignment notice from Lending Stream it looks like Asset have added nearly £400

Dear Sirs,

We refer to the fixed sum loan ******* from Zebit dated 27-06-2013, loan of £ 232.89 from Zebit to ********** .

On and with effect from 22th June 2016 the Zebit assigned to Asset Collection & investigation limited all its rights, title, interest and benefits in and to the Assigned Documents and the Debt.

All future correspondence, dealings, deliveries and payments in respect of the Assigned Documents or the Debt should be made to the Assignee whose details are as follows:

Agency: Asset Collections & Investigations Limited

Registration number: 03775287

Address: Unit 49 Grovewood Business Centre, Strathclyde Business Park Bellshill ML4 3NQ

Phone: 01698 907055

Emailid : [email protected]

Regards,

Zebit Customer Service

#Call charges apply. Standard charges from BT landlines, mobiles and other providers may vary.

This email was sent by Lending Stream LLC | 2711 Centerville Road, Suite 400, Wilmington, DE 19808 | Registered Address: 2711 Centerville Road, Suite 400, Wilmington, DE 19808, USA | Registered in the State of Delaware, USA | Registration Number: 4124111 | Authorised and Regulated by the Financial Conduct Authority. Interim Permission Number 643942.

This message may contain confidential and/or privileged information and is intended only for the individual named. If you are not the named addressee you should not disseminate, distribute or copy this e-mail. Please notify the sender immediately by e-mail if you have received this e-mail by mistake and delete this e-mail from your system. If you are not the intended recipient you are notified that disclosing, copying, distributing or taking any action in reliance on the contents of this information is strictly prohibited. Internet messages are not secure and therefore Lending Stream LLC does not accept legal responsibility for the contents of this message.

But you got that prior to the claim....

So that and anything else you have you forget about them

Ok thankyou will send requests in the morning.

Dont know who the solicitors are its a p.o box.

address to post all documents box on claimform should list it?

address to post all documents box on claimform should list it?

In the box to post all docs and payments it is a PO box Blackpool

Send them to the claimants address then

I think i will send to both. to be sure

Well normally its the CPR 31.14 that goes to the sols and that is invariably ever complied with ...so as long as you get the CCA request to the claimant you will be fine.

Andy

Ok thanks andy

Right thats everything sent off just play the waiting game now. thanks for the help guys.

enjoy xmas

nothing nasty can happen now over the holiday period

pop back after the 1st week of the new year

and get you defence sorted

DONT miss it

I will, been reading up on defence. thanks again

Nothing to report as of yet nothing received from asset or sols

good you don't want them to reply!!

Hi all still nothing from asset or sols , im working on defence when should i put it on mcol , claim was dated 13 december

post it up here 1st mind...

due by 4pm Friday 13th

Ok dx thanks i will post prob tomorrow.