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montrano

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  1. Thanks, Theyre not showing on my current credit files, but i remembered i had some saved ones from over the years. They are showing on an experian report from 2013, having defaulted in September and October 2008. So i guess theyre definitely my accounts, but have long been Statute barred
  2. Morning guys, I moved home in August and have just received 2 letters from arrow global stating they've asked Cabot to manage 2 of my accounts. Ive never had any dealings with Arrow, so wont have given them my new address. The 2 accounts are with shop direct and CitiFinancial, which after a bit of searching online, appear to relate to Littlewoods accounts and Citibank loans and in which case, i did have both of those, but stopped paying them in 2007ish when i lost my job. Seems odd they're chasing me now after so long if they're my accounts and just after i move address. What would you suggest i do next, ignore them or ask them to prove they're my accounts.
  3. Hello guys, I have received a claim form with the below details. Do I have many options. Is the fact that its with the ombudsman enough to ask for a stay. If I state I intend to defend the claim, can I still pay it. The extra 14 days should be enough to raise the cash if need be. Name of the Claimant ? Uncle Buck Finance LLP Date of issue – 28 Feb 2019 What is the claim for – the reason they have issued the claim? The defendant owes the claimaint £1086.27 under a regulated loan agreement with Uncle Buck Finance LLP dated 30/03/2018 (debt). Despite formal demand for payment of the debt the defendant has failed to pay and the claimant claims £1005.81 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 £80.46 What is the value of the claim? £1236.27 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 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. Original Creditor Did you receive a Default Notice from the original creditor? Yes Have you been receiving statutory notices headed "Notice of Default sums" – at least once a year ? Notice of sums in arrears Why did you cease payments? Was increasing borrowing from multiple sources to cover increasing interest, until I couldn't afford any and stopped What was the date of your last payment? 31/08/2018 Was there a dispute with the original creditor that remains unresolved? IRL complaint ignored, forwarded to ombudsman Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? yes, set up a payment plan for £50 a month, but couldn't afford to make these payments for a couple of months.
  4. Not sure if its relevant, but mmf have come back today saying the account has been transferred to moriarty and all correspondence has to go to them. Does this mean there should be a noa for that too
  5. Definitely nothing in the email, I'll email them back and ask for this. I would guess its similar to the statement of account I placed in the first post.
  6. Ive uploaded the agreement and noa, the other file is labelled soa, which I presume is statement of account, but its password protected and I cant open it. Thanks for your help merged.pdf
  7. Apologies, I mean I did the acknowledgement of service, wrong terminology
  8. I requested more time, but haven't submitted a defence yet. However today moriarty law have come back stating my complaint was turned down by wagedayadvance so they went to the county court. They've also attached a cca, noa and soa, but ignored the fact that the case is being reviewed by the ombudsman. I'm not sure where to go next. Can I get the court to stay the case until the ombudsman is done myself. I'll pay it if need be to avoid the ccj, but I need a few weeks to raise the money.
  9. All done. If I don't get a response from the solicitor, can I contact the court directly to get the case stayed until the ombudsman comes to a decision. Sian
  10. Name of the Claimant ? MMF Date of issue – 04/10/17 What is the claim for – 1.The defendant owes the claimant £260 under a regulated agreement with curo transatlantic t/a wagedayadvance dated 28/05/2012 and which was assigned to the claimant on 16/10/2012 and notice of which was given to the defendant on 16/10/2012 (debt). 2.Despite the formal demand for payment of the debt the defendant has failed to pay 3.and the claimant claims £260 and further claims the interest thereon pursuant to section 69 of the country court act 1984 limited to one year to the date hereof at the rate of 8% per annum amounting to £21. What is the value of the claim? 359.32 Is the claim for - Payday 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. mmf Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes, but I couldn't be sure one way or another if notice received Did you receive a Default Notice from the original creditor? Possibly, but I no longer had it Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? I don't believe so Why did you cease payments? could no longer afford payments on my part time wage, then started full time university What was the date of your last payment? 27/07/2012 Was there a dispute with the original creditor that remains unresolved? yes. Unaffordability complaint made and declined. Has been with the ombudsman for several weeks. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? I believe so, I tried to keep up payment on just the interest for a while, but was unable. I have received a claim form from the court in relation to an old payday loan debt with wagedayadvance/mmf I made an affordability complaint and shortly after they decided I didn't have a case, have made a court claim. Before I received the claim, I took the case to the ombudsman, so have ask moriarty law to stay the case until this is complete. Ive attached my statement of account if it helps at all. What else can I do Thank you
  11. Oh, i didnt think of that. It wasnt in the high street, it was behind the shops, down an alley way. I might have to look into it. Its more the attitude of them I dont agree with, they implied they were going to arrest her and read her the rights, then refused to beleive her real address.
  12. My girlfriend just received an £80 fine for leaving a cigarette butt on a wall. They stopped her as she was at a bin putting a 2nd one out and throwing it in there. The notice states she dropped a cigarette on the highway, which doesnt really agree with putting it out and accidentally leaving in on a wall you were sitting on. Will this give her any sort of defence, or shall we just pay it.
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