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vic synex

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  1. Guys, I thought I'd better start a new thread now I've had a result on my previous one. I took a PDL out with Lending Stream in April 2015 which shows on my CRF as Defaulted 13 January 2016. This entry was last updated on 21 January 2021. The PDL was assigned from Lending Stream to Motormile Finance in May 2019. This shows on my CRF as a seperate entry under the name Lantern with a start date of May 2019 and shows it was Defaulted on 6 November 2019 and was last updated 12 February 2021. Obviously, this is a wee bit naughty so looking for advice on correcting things please? As always, thanks in advance.
  2. Success, Judgement set aside. The Claimant didn't answer the phone for the conference call, Judge wasn't too happy. Defence was struck out due to late return of DQ but after explaining the situation regarding my cancer treatment, the Judge accepted this as a valid reason for the late return. The Judge will order the Claimant to re-issue the POC and when I receive it have 14 days to submit a defence. Thanks for the help everyone.
  3. Thanks so far everyone. The default date for the Lantern account is two months after they commenced proceedings, the other account doesn't show as defaulted. With the lack of DN and generic CCA how would I prove this to the Judge as it's a telephone hearing?
  4. My defence centred around not having any knowledge of a debt with Lantern. CPR requests went unanswered, no Default Notice, no annual statements. As far as I was concerned, the debt wasn't mine!
  5. Thanks for the help so far Guys, however I've been looking for info on the original loan as the dates didn't seem right and found a corker. The original PDL was Lending Stream and it was taken out in June 2015. This shows on my CRF as defaulted in January 2016. The Lantern account is also on my CRF with a start date of May 2019 and a default date of November 2019, two months after the claim was commenced. In the bundle from Lantern, there is two notices of assignment, Lending Stream to MMF which was allegedly sent to my previous address in 2017 and one from MMF to Lantern sent to my current address (been here since September 2015) So the debt is showing twice by two different companies, how do I deal with this please Guys?
  6. The outstanding amount is over £350 and 3 years overdue. My defence for the possession hearing would rely on the fact that the Landlord failed to demand the ground rent using the prescribed format. Has added VAT to the ground rent which is exempt and miscalculated the amount demanded. Can I use CPR 31 to ask for disclosure of documents prior to the hearing?
  7. Yes, my suspicion is that due to the Christmas period, it either didn't arrive or arrived late.
  8. My DQ was sent late due to being diagnosed with terminal cancer and being in hospital. I responded to the General Sanctions Order and sent it on Christmas Eve.
  9. This is the timeline from MCOL A claim was issued against you on 25/09/2019 Your acknowledgment of service was submitted on 09/10/2019 at 13:49:15 Your acknowledgment of service was received on 09/10/2019 at 16:05:19 Your defence was submitted on 23/10/2019 at 15:27:22 Your defence was received on 23/10/2019 at 16:05:08 DQ sent to you on 11/11/2019 DQ filed by claimant on 27/11/2019 General sanctions order was made on 19/12/2019 Your defence was rejected on 17/01/2020 Defence was struck out on 17/01/2020 A judgment was issued against you on 27/01/2020 at 19:26:54 An application to set aside (remove) judgment was submitted on MCOL on 01/12/2020 at 12:01:11 An application to set aside (remove) judgment was submitted to the court on 02/12/2020 at 01:05:09 Your claim was transferred to PLYMOUTH on 15/12/2020
  10. My Set Aside application was based on not receiving any paperwork regarding my Defence being struck out and Judgement awarded. Absolutely nothing received in regard to the case so assumed it had been stayed with Moriarty's penchant for not attending hearings etc.
  11. Thanks for the help so far. One more thing please, the Claimant stated the section 146 Notice was served in March 2020 but then sent a demand for Ground Rent and Service Charges in November 2020, does this amount to a waiver of forfeiture?
  12. Hello everyone, I had a payday loan in June 2019 from MMF which, for numerous reasons, I was unable to maintain. Fast forward to September 2019 and Moriarty Law sent a Court Claim for the outstanding balance but under the name of Lantern. I submitted a defence stating that I had never had an account with Lantern and had received no advice of any change of ownership of the debt. The court requested I send an DQ , which I did and then heard nothing until January when Moriarty threatened enforcement action. I checked my credit file and found my defence had been struck out and Judgement awarded. I have applied to have the Judgement set aside and have a hearing via telephone on Thursday morning. This morning I received a bundle from Moriarty including a lot of things I've never seen before including the notice of assignment. There is, however, no mention of a Default Notice being served, nor is there any statements showing the balance. is the lack of a Default Notice still an acceptable defence or is there anything else I should think about?
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