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Everything posted by lynzfa

  1. hi ive recieved the form from the court (N180). Do i agree to mediation? Im not sure how to proceed with this. the whole court thing is worrying me.
  2. so i dont need to do anything even though they have sent me a letter today saying they are still carying on with the case
  3. Hi ok so before anyone else says i would have more of an idea if i had spent more time on this page, i havent been able to as ive been in hospital, i had to get my mum to file the defence for me so couldnt get it put up here. the 28 days are up today since my defence was filed, and i only just received the letter from bw legal today to say they are going to continue with the claim. As the 28 days are up does the claim from them not get stayed? im not sure what im supposed to do. Ive been onto my mcol account and the last entry was my defence on 4/09/18
  4. i will try do a defence tomorrow and pop it up to be checked as im going to have to look for some ideas of defence so i know roughly what to put in it, thankyou for your help
  5. im sorry i honestly just didnt know what to do thats why im asking for help as im not sure what to do with anything. im not even sure what i file as a defence
  6. Thanks, can i just check to send the CCA request do i send that to PRAC or payday uk?
  7. I have done the AOS on MCOL. what do i need to do now. Sorry im not very clued up on all this
  8. Name of the Claimant ? PRAC Financial Ltd Date of issue – 09 August 2018 Date to acknowledge - 27/08/18 Defence filing date - 10/09/18 Particulars of Claim What is the claim for – 1. The claimants claim is for the sum of £667.40 being monies due from the defendant to the claimant under the loan agreement regulated by the Consumer Credit Act 1974 between the Defendant and Instant Cash Loans Limited t/a Payday UK under account reference xxxxxxxx and assigned to the claimant on 09/12/2016, 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 a default notice has been served and not complied with. 3.The claim also includes the statutory interest pursuant to section 69 of the county courts act 1984 at a rate of 8.00% per annum( a daily rate of £0.15) from the date of the assignment of the agreement to 06/08/2018 being an amount of £90.90 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Ithink i recieved a letter saying court action may be taken, i also told them i was making a claim for irresponsible lending so didnt think it would go as for as court claims. What is the total value of the claim? £888.30 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 ? It was 04/10/2012 Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? It shows on my credit file as satisfied 01/01/2017 which im assuming is when it was sold to PRAC 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 PRAC who has issued the claim Were you aware the account had been assigned – did you receive a Notice of Assignment? I dont rememeber if i recieved a letter to say the debt had been sold Did you receive a Default Notice from the original creditor? Not that i am aware of Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? I havent recieved anything for a while, the claim is in my old surname so im not sure if thats why i havent been recieving any mail from them Why did you cease payments? I couldnt afford the repayments What was the date of your last payment? I think it was 04/2013 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 planicon? I wrote to everyone at that time that i owed money to as i was experiencing financial difficulties and was arranging repayment plans with everyone but never recieved a reply from them.
  9. Can someone help me please. Ive recieved a county court claim form through the post now, i dont know what to do or how to reply to it?
  10. It was from payday uk. So do i just ignore the letter?
  11. Ive just been looking at my credit report again and the debt said settled from payday uk but there isnt one on from bw legal
  12. The default date is 01/08/2013. So does that mean they cant do the claim to the county court?
  13. Ye its the same amount. So what can i do next i dont want it going to court
  14. I have just checked and the last payment they recieved was december 2016. It was a payment of £1 and it then says it was satisfied.debt the following month
  15. I have just looked on my noddle credit report as i never thought to check that. It says that debt is a closed account and says "Satisfied" which was on 01/01/2017 so not sure what i should.do next
  16. I think it was about 6 or 7 years ago im not entirely sure. I think i made cintact with them aboit 3 year ago and offered them repayments of £1 per month as i did with all my debts but they refused
  17. Hi just wondering if someone could help. Ive received a letter from bw legal about a loan from.payday uk. It was a loan i had years ago in my old name. They have said they are issuing a claim in the county court without further notice if i dont pay the outstanding amount of £667.40 or £875.95 if it goes to court. Is there anything i can do as i dont have the money to pay this . I really need some help with this please.
  18. Ive forwarded a copy of the email now
  19. I can send a copy if someo e can tell me how to do it
  20. Why wont it be paid? I got an email saying i was owed a poxy £40 which is nowhere near what i think they shoukd owe me
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