No we have not made any payments, and the loan was in my wife`s name only . i have old emails dating back from Oct 2013 stating no payments made to the account

Based on the fact the loan was taken out 1/10/2013 and not repaid on the date 31/10/2013, will it fall under as Statue Barred. i submitted the AOS ticking All will be defended on 04/12/2019 i will be sending SAR & CCA to the lender and Lovells is this correct as they won`t reply Also when do we submit the defence and what to write are there any templates

Yes Payday loan in my wifes name

name of claimant - PRAC date of claimform - 2nd December 2019 What is the claim for – Particulars of Claim 1.The claimants claim is for the sum of £349.77 being monies due from the defendant to the claimant under a loan agreement regulated by the consumer credit act 1974 between the defendant and Instant Cash Loans Ltd T/A Payday UK under account reference xxxxxxxxx and assigned to the claimant on 09/12/2018, notice of which has been given to the defendant. 2.The defendant failed to maintain the contractual payment under the terms of the agreement and s default notice has been served and not complied with. 3.The claimant also includes statutory interest pursuant to section 69 of the Country Courts act 1984 at a rate of 8% pa from the date of the assignment of the agreement to 29/11/2019 being an amount of £86.88 Total amount they are now claiming is £521.65 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? - yes Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No Did you inform the claimant of your change of address? - No as never moved address Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? - Payday Loan When did you enter into the original agreement before or after April 2007 ? - 1st October 2013 Do you recall how you entered into the agreement...On line /In branch/By post ? - On line Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? - No 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. -Prac Were you aware the account had been assigned – did you receive a Notice of Assignment? - Did you receive a Default Notice from the original creditor? - No Have you been receiving statutory notices headed “Notice of Sums in Arrears” or " Notice of Arrears "– at least once a year ? - No Why did you cease payments? - Unemployment What was the date of your last payment? - Never repaid after taking out the loan payment due for repayment on 31/10/2013 payment not made to claimant 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 management plan? - No Now we have submitted the AOS and the date of the court claim form is 2nd December 2019 i have 33 days to submit the defence details, also sending request to the lender & BW legal as well, they won`t reply but will request. Anything else we can do at this stage

Today, we have had a letter from the court ( Claim form Northampton County Court ) Particulars of Claim The claimants claim is for the sum of £349.77 being monies due from the defendant to the claimant under a loan agreement regulated by the consumer credit act 1974 between the defendant and Instant Cash Loans Ltd T/A Payday UK under account reference xxxxxxxxx and assigned to the claimant on 09/12/2018, notice of which has been given to the defendant. The defendant failed to maintain the contractual payment under the terms of the agreement and s default notice has been served and not complied with. The claimant also includes statutory interest pursuant to section 69 of the Country Courts act 1984 at a rate of 8% pa from the date of the assignment of the agreement to 29/11/2019 being an amount of £86.88 Total amount they are now claiming is £521.50 How can we deal with this claim against my wife as the loan was taken out in 2013 and no payments were paid to Payday UK not to BW Legal when they stated to send emails and letters. I under we have set time frames to reply to the court letter and need to sort out ASAP Sorry yes it was a payday loan taken out on 13/10/2013 I can confirm the loan was taken out on 1/10/2013 and payable in full on 31/10/2013 this never happened. Had few emails during 2014 then nothing until 2017 that`s when BW Legal started emailing and few letters. Defence - Simple Statue Barred based on loan taken out on 1/10/2013 never repaid nor acknowledged, also they state date of 09/12/2016 never had anything ?

We have had a letter today from B W Legal with heading Letter of claim relating to very old debt from 29th November 2013, they have sent emails offering 65% discount etc. they now have given date 23rd November to repay or face action they have enclosed particulars of claim and Annex 1 information sheet, reply form asking for debt points Box A - i agree i owe the debt Box B - I owe some of the debt Box C etc to Box G and requesting income details as well Should we do nothing and wait Thanks for help

The LL has confirmed in writing offering to refund £600.00 just stating they are offering this to good tenants the refund. Deposit scheme said the would then hold the £100 ince the LL issue the refund. Just seems strange way the LL has acted never had any problems. My only question will the tenancy agreement need amending to show the refund or should we take the money

We have had a letter today from our landlord relating to our deposit, We have been with the same landlord since 2011 never missed any rent and always looked after the house, When we paid the deposit the landlord gave details of the deposit protection scheme. however today the landlord offered to refund our £600.00 from our deposit and hold only £100.00 to cover any cleaning. Never heard of landlord refunding money from deposit scheme and unsure if to accept of money, sounds strange way the landlord is acting. Again never had rent issues nor missed or late payments letter just states they are offering money to good tenants Should we take the money or not

I have checked the discharge letter and there is no request for myself to update my details even after such a long time. Its now been 10 years since the discharge letter.

Well my parents ha letter on Friday after nearly 10 years, stating they can claim based on 1p per £1.00. However they also listed debts of £451,850.25 with only £1,530.00 to be paid to creditors who make a claim. Also states if nobody makes claim the funds will be paid to myself which they cannot as they don`t have my address as moved twice since the BR. I was formally discharged after 6 months, do i need to inform the OR my new address

Well, we are looking for help and advice regarding United Utilities, our water bill is now £1,121.27 and we have been struggling to pay, i have requested a payment card so we can start paying towards the bill, however today they sent letter demanding the full amount in 30 days if we don`t pay they will start court action. Over the last few months both our wages have been reduced over £400.00 month so in reals terms we cannot pay all our bills. They have attached income form so happy to fill in and return which clearly shows we just don`t have the income or funds to pay in full. I have spoken to the company and they told me the min monthly payment has to be £160.00 which we cannot pay so just not sure were to go now. Any advice would be helful

Ok, Will post over the weekend Cheers

ok thanks will send off paperwork and see if they reply, strange as they have not chased for along time was hoping it was SB account. Thinking back it was not repaid and dates back to Nov 13.

yes that`s the letter they have sent.

The details are the same as last years letter. Its not from the court as the letter water mark is from B W Legal

Rule 1 read the letter correctly, same letter as 2017 so will file with the other paperwork Many Thanks

Well had a letter today stated " Letter of Claim " 5 pages in total. They have confirmed if we do not reply by 6th August they will apply to the court for CCJ, they are asking for income details and the following Letter Reply form Box A - I agree to the debt Box B - i owe some of the debt Box C - I don`t know about the debt Box D - I dispute the debt Box E - I will pay the debt now Box F - I will pay but need time to pay Box G - Getting advice Box H - I have provided documents Box I - I need more documents or information Lists Particulars of Debt Debt dated 29th November 2013 assigned on 9th December 2016 to PRAC Financial My question is should we wait until they issue court CCJ or send off for more information including signed paperwork etc

Well now getting emails from County Collections say I must call them in 7 days, not had anything from this bunch clowns before any had any dealings with this form.

They get the data from firm Callcredit Limited

Just seeing if anyone has been using Totallymoney for credit scoring, i have looked today and find no history relating to an old Motormile account nor any old defaults my score was 523 of 710 and listed as fair. Also checked my wife as well and found no defaults nor any debts and score of 603 of 710 so a little better. Any reviews on how good Totallymoney would be great

Well just had this email from another muppet firm who are Tenron ???? Dear Tenron Reference: We have been trying to contact yourself in regards to a personal matter but we have been unsuccessful in doing so. Could you please contact ourselves at your earliest convenience on 0800 031 5799. You can also text your name and reference number to 07804 552 440 and we will call you back. Contact is also available via email at [email protected], please provide us with details of your reference number and a contact telephone number and time that you would like to be called and we will endeavour to do so. If you wish to discuss this via email we will only be able to provide you with further information regarding the specifics of the matter once you have confirm the following; • Your full name • Your full address and postcode • Your date of birth Our opening hours are as follows: · Monday to Thursday 08:00 to 20:00 · Friday 08:00 to 18:00 · Saturday 09:00 to 12:00 Yours sincerely Tenron Credit Management Limited Please call us on 0800 031 5799 Calls may be recorded for training and monitoring purposes

Well they are refusing to confirm details and now ringing our home telephone, i have requested them to confirm everything in writing but they just said they will keep on ringing until i accept the debt and set up repayment plan. They can take a run and jump just a bunch of clowns

Well now getting letters from Advantis debt collection demanding money, yet again nothing from HMRC regarding the over payment dating back to 2009,2010 and 2014.

Well found email in my spam folder, CUSTOMER REFERENCE: M000000000 CURRENT OUTSTANDING BALANCE: £1433.44 Dear Our efforts to contact you are becoming exhausted as we have made several attempts to offer you a repayment solution and even a discount. In light of this we are preparing your account for one of the following possible actions: Legal Assessment – your account may be sent to our Legal partners who will assess your account to determine if legal action is suitable. If they consider this to be the most appropriate action we will inform you of the next steps. You should be aware that there may be additional costs in the event that legal action is taken. Assignment of your account to our field agents, Resolvecall who will visit you at home to arrive at a solution Assignment of your account to one of our external debt recovery partners, BPO Collections Ltd or Tenron Credit Management Ltd. We consider the above to be a last resort, and hope they will not prove necessary, but without speaking to you we are running out of options. You still have time to set a plan with us if you contact us within the next 7 days. Please click here for a payment mandate should you choose to pay by direct debit or standing order for your completion. Just to remind you, you can now manage your account online by visiting http://www.mmile.com/myaccount If you prefer you can email us at [email protected] or call us on: 0113 887 6876 to speak to one of our agents. The details needed to set your plan are: Date of 1st instalment Amount of instalment Frequency of payments Preferred method of payment Please ensure that your priority bills are up to date for example rent / mortgage, utility bills, council tax to make sure your payment is affordable. Information pertaining to this account may be registered with credit referencing agencies, this information may then be used by future lenders, landlords and employers and may affect your ability to secure credit in the future. Yours sincerely Motormile Finance UK Limited (MMF)

Well after being informing my car is going to be repaired and having text from the garage the car was booked in for repair on 16th Jan, Spoke the the firm on Friday 19th only to be told Copart are very very busy and the car is still in storage.