Hello - I am new and clueless so thank you to this site and to any who respond for any help.

I have received a letter after several previous horrible threats from the same stating that they have initiated a court claim. Assuming they are telling the truth and the claim arrives soon is there anything I should do now or should I wait to make a post when it arrives?

Many thanks

Hello and welcome to CAG.

What is the account?

How much roughly?

Who is the original creditor? Bank? Mobile phone company?

AFAIK ML don't buy debts so can't take you to court as they don't own the account.

Hi - sorry - it's ML for Motormile for originally possibly a payday loan £300

Thank you

have you received the large browna4 envelope claimform pack from northants bulk court you mean.

Hi - no - a letter direct from ML saying they have now filed with Northampton and the claim will arrive soon

have you received the large browna4 envelope claimform pack from northants bulk court you mean.

Usually a claimw ill arrive, but MMF only normally chase lemon debts anyway. Theyve been reprimanded for the way their business works, but they completely ignore it.

then await the claimform.

is this on your credit file?

whats the debt all about?

Hi - I didn't think it was on any of my credit files as I use the three free services but I've just done a statutory £2 check and it is. Payday loan.

we know that

go type in MMF/Moriarty

in the search cag box

of the top red toolbar and read

I am

Is there a recommended post on what a Notice of Assignment must look like and how much it matters?

Thank you

of little importance sadly.

dx

Than you dx

With payday loan court claims can the amount be challenged if there are charges and interest or does that not happen?

of little importance sadly.

 

 

dx

or even an irresponsible lending claim

Name of the Claimant ? Motormile Finance

Date of issue – 6 September 2017

date to acknowledge - 24/09/2017

date to submit defence = 06/10/2017

What is the claim for – the reason they have issued the claim?

1.the defendant owes the claimant £210 under a regulated loan agreement with cash on go limited t/a peachy dated x and which was assigned to the claimant on y and notice of which was given to the defendant on z (debt).

2.despite formal demand for payment of the debt the defendant has failed to pay

3.and the claimant claims £210

and further claims interest thereon pursuant to section 69 of the county court act 1984 limited to one year to the date hereof at the rate of 8.00% per annum amounting to £xx.xx

What is the value of the claim? £300

Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? PDL

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. Assigned

Were you aware the account had been assigned – did you receive a Notice of Assignment? No - I don't know

Did you receive a Default Notice from the original creditor? I do not think so

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? I do not think so

Why did you cease payments? Could not afford to

What was the date of your last payment? I don't know if I made one, sorry

Was there a dispute with the original creditor that remains unresolved? they wouldn't really communicate with me at the time

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Unsure at this time

Hello - I have received a claim form today from and for the above

ALL YOUR HELP IS GREATLY APPRECIATED - THANK YOU

The credit file I have checked today is showing a different default amount to that which is claimed to be owed

- can there be a proper reason for the difference?

Thank you!

pop up on the MCOL website detailed on the claimform.

.

register as an individual

note the long gateway 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

leave the £1PO blank and uncrossed

.

get a CPR 31:14 request running to the solicitors

.

don't sign anything

.

dx

Thank you dx - I have now submitted the AoS

For the CCA request It's fixed loans so S.77 for a payday loan right?

well you've not purchased anything through them

and they didn't give you a card so...

I'm just being paranoid :O

Just to update I sent the CPR and CCA request letters

For the CCA request It's fixed loans so S.77 for a payday loan right?

Correct

just don't miss you defence filing date whatever does or doesn't happen

Thanks guys - and just to confirm again being paranoid the last day by which I can file my defence doesn't change no matter when you file AoS before that etc it always stays 33 days as long as you did at some point file AoS within the AoS timeframe?

Yes.

Haunter