You advise that you made an attempt to enter into an arrangement with llloyd - what happened ? made paments upto October 2009 due to fiances issue unable to committ If your last payment was October 2009, then this account will not be statute barred yet. Did you send a CPR request to the solicitor named on the claim form in order to obtain information.. such as copies of the default (do you know what date it was supposed to have been issued ? ) Do you know when the claimant purchased the account ? looking at this now Was this a secured or unsecured loan ? Was there any Payment Protection Insurance added - do you know if there are any default charges added ? no idea!! just received CCJ only loan was unsecured PPI was claimed back last year

Hi thank you for your quick response, What would I write for my defence? I've been up all night worrying about this!

Hello All, Name of Claimant: Capquest Investments Limited Date of issue – 12/02/2015 Defence – NOT YET SUBMITTED What is the claim for – the reason they have issued the claim? The claim is for the sum of £13K in respect of monies owing by the defendant on a credit agreement held by the defendant with Lloyd Banking Group under account xxxx Upon which the defendant failed to maintain payments. 2. A default notice was served upon the defendant and has not been complied with. 3. By virtue of a sale agreement between Lloyd Banking Group and the claimant, the claim vested in the claimant who has a genuine commercial interest The defendant has been notified of the assignment by letter. Contact drydensfairfax solicitors What is the value of the claim? £1313 INCLUDING INTREST 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 2007 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 has issued the claim Were you aware the account had been assigned – did you receive a Notice of Assignment? NO 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? Financial Difficulty What was the date of your last payment? October 2009 Was there a dispute with the original creditor that remains unresolved? NONE Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt mgt plan? YES FEB 2009 Guys hello! help needed i dont know how to tackle this one can someone please help me checked cra and its registered against me, need to know how to defend this one please im not sure if this will be SB