There was no formal CSA agreement it was a personal agreement, because she was on benefits, she would get all my cash instead of the £5 a month on top of her benefits both myself and my ex partner know the paternity, she is fully aware and I may request DNA on not only this child but all

Sorry Admin please put this in the right place... I couldn't find the right forum I agreed with my ex wife to always support a child that was not mine, but things have soured, and I feel I wish to claim back the maintenance I have paid her, on my calculation its close to £12k its ironic when the kids got to over 18 she decided to be a complete nasty person towards me she has also alienated my kids from me who will now not talk to me, I feel im within my rights to ask for my money back on this occasion. Can anyone help with my civil case against her i'm claiming 1/3 of £200 a month for 14 years I intend to send her a letter before action so she can prove paternity any advice is welcome

i got a response from the online chat This is the same department i called to try and pay the overdrafts off.

Im trying to get help now, i have just sent myself 0.96p from my Starling account to my old NatWest account detail and this money turned up in my Monzo account

if i try to pay money into the account its redirected by the switching service/and/or bank, the account has been closed and i can not see the account online or in my banking app

Because the account is closed now, they closed it on account switch

@dx100uk are you of the opinion i should handle this differently ?

I Moved bank from NatWest to Monzo basically because i wasn't happy with the service, and reliability of the bank i had two accounts both with £250 overdrafts each, i did an account switch with one and stopped using the other. Additionally i had savings accounts each with zero balance and an ISA. After i switched accounts in February the bank started to write to me saying i needed to pay back the over drafts. I thought, to save further issues on my credit file i would contact them to arrange a plan to pay them back, i was quite taken back when they wouldnt even discuss the debt with me.

Ok I have a debt via a bank overdraft on two accounts that is around 2-3 months old, I called today to be put through to 4 departments to be told The debt is in the process of being passed to a Debt Collection Agency and I should wait for them to contact me, I told them I did not contract to them, and confirmed they have not sold the debt to them, they also confirmed the debt has not been passed to them yet and is still with the bank, but refused to accept any agreement or payment on this overdraft as its "in a queue" I then got the call handler to confirm the debt has not been passed or sold on yet and that it was still handled by the bank and they agreed it was, I have done a SAR today in the same call and got a call back 2 hours later (which I missed from the SAR department which I will call back tomorrow) TL;DR I tried to pay off my overdraft today and the bank said no

that's difficult as its my birthday today (yay to me), but ill try, Thanks DX

Hi guys, I got the letter from the court dated 1st October saying they had 28 days to respond, which would have been the 29th + 5 days for service (if im right in my estimation) there should have been something submitted by tomorrow (3rd nov) otherwise it becomes stayed ? they did in their letter state they would be writing to me before they submitted there maybe wish to proceed with the court, but they have not, nothing else has been received and still no DN Can anyone advise ?

Yes the account is defaulted on my credit file

I did find it strange that they do not mention the DN on the letter as the included documents, I did request it in my letter to them, and the fact that have the assignment and not the DN from HSBC did confuse me, if they have corresponded with HSBC for the assignment, surely they will have requested the DN at the same time from them. I can honestly hand on heart, state, I do not recall any default notice.

Yes received or seen by me, I didn't think I needed to update HSBC after they had defaulted me years before. Presumably a default notice should have been issues around the time the debt was defaulted ? I was living at that address for years after then.

Can I just add for reference, between 04/05/16 until 02/08/2017 I was homeless and living in a caravan on a caravan site as my tenancy ended and we lost the house, the letters from HSBC and 1st credit, I would not have got because I was no longer a resident in the house it was addressed too.

I have today had a load of documents from Intrum a change of legal representation back to Intrum Legal department, along with an unsigned credit agreement (that has a tick here to agree to this agreement) and a bunch of statements, including a letter from HSBC that was apparently sent to me, Letter from Intrum Change of Legal Representative Credit Agreement Statements Notice of name Change Proof from companies house name change Letter from HSBC assigning the debt to 1st Credit There is no default notice in the documents they have sent me The letter sent to me from HSBC was to inform me the debt had been sold to 1st credit Here you go, managed to get the scanner working letter from intrum.pdf

Had the letter today stating that defence has been received and has been served on the claimant, whom now have 28 days to respond or the claim gets stayed, still nothing else from Intrum or Moonbeever

I have submitted that, time to play the waiting game again, thank you for all your help guys

Thanks Andy, ill submit that tonight, i only need to submit the black text ?

1.The Claimant is the assignee of a Hsbc Bank Plc Debt in the sum of £5404.82 assigned on 23/06/2016. Statutory notice of assignment were sent to the Defendant. On 01/03/2018 The Claimant changed its name from 1st credit (Finance) Ltd to Intrum UK Finance Ltd. 2. The debt is a Credit Card account first opened by the original Creditor on or about 13/04/2012 User reference number ****************. The Defendant used the credit facilities. 3.On 20/11/2013 the account Defaulted with an outstanding balance of £5185. The Claimant and its Predecessors in title demand repayment Of the sum due. In breach of contact the Defendant failed to repay the sums due. 4.AND THE CLAIMANT CLAIMS 1. The sum of £5,094 2. Statutory INTEREST pursuant to S.69 County Courts Act 1984 at 8% per annum from 27/11/2017 until Judgement or sooner payment. 1. The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. The Claimant has not complied with paragraph 3 of the PAPDC (Pre Action Protocol) Failed to serve a letter of claim pre claim pursuant to PAPDC changes of the 1st October 2017.It is respectfully requested that the court take this into consideration pursuant to 7.1 PAPDC. 3. Paragraph 1 is denied I am unaware of any legal assignment or Notice of Assignment allegedly served over 2 years ago Pursuant to sec136 of The Law of Property Act 1925. 4. Paragraph 2 is noted and it is accepted insofar that I have once held a contractual relationship with Hsbc Bank Plc. I do not recollect the details nor am I aware of any outstanding balance that the claimant refers to and have therefore sought clarity from the claimant given that that they are the assignee of this alleged debt and have very little knowledge of what they are claiming and do not appear to be able to disclose any further details by way of CPR 31.14. 5. Paragraph 3 is denied I have never received any Default Notice from the original creditor pursuant to Sec87 (1) CCA1974 6. On the 8th September 2018 ( sent by recorded delivery) I requested information pertaining to this claim by way of a CPR 31.14 request and a Section 78 request. The claimant has failed to date to respond to the CPR and remains in default of the section 78 request. 7. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of assignment/balance/breach requested by CPR 31. 14, therefore the Claimant is put to strict proof to: (a) show how the Defendant has entered into an agreement; and (b) show and evidence the nature of the breach and service of a valid default notice; © show how the Defendant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 8. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of assignment/balance/breach requested by CPR 31. 14 9. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 10. On the alternative, if the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the Consumer Credit Act 1974. 11. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.

I have tried to login to submit my defence but it states that my details are not correct, and I can't login anymore to MCOL ?!?!? I think a phone call tomorrow ? has anyone else had this happen Ive tried with original claim number and the password on the for says its The following errors have occurred: Claim number or password is incorrect. ok I tried the claim number and password 10 times now, I cant submit my defence, is it possible they have retracted the case and my case is not a thing anymore, or is it more likely the case is screwed up by MCOL seems pretty wrong for them to stop me submitted a defence if im honest, but it doesn't give me clear guidance from the website, and does this change the dates/times of anything, they did state they would back their fake solicitor off for 30 days, while I appreciate that's probably just spam, if anyone knows what's going ion I would appreciate some input.... I cant file my defence on my case... im confused now

Wow Andyorch thank you

I am struggling some what to use the search, not because I'm lazy but because im dyslexic, I've been searching since prompted but not doing too well

Ive not heard anything more from Intrum or moonbeever so I need to start preparing my defence

Thanks Dx100uk