hi there not sure where to go from here. I sent the cca and the cpr 31.14 they were both signed for on the 12/3 and there has been no reply as of yet. I got my credit report and on it is the old loan from Lloyds it started 27/04/2005, default date 24/02/2010 and it was then assigned to the claimant 1/8/2013. I have until the 1/4/2014 to submit my defence any help would be very welcomed thanks

hi ford I have cchecked and all letters have been signed for today so made a note of that. ive had a loan before with Lloyds years ago so I probably did have ppi on it. I think the date for the end of acknowledgement is the 18/3 and the 2/4 for the defence. Will the court write to me before this. Its really hard not worrying about it and yes where possible I would rather not have CCJ. When I do come to put a defence together if it does come to it is there like a template form. thanks for replying

hi yes, acknowledged and forms sent. I will probably be back as all the legal jargon is hard to take in. I will continue reading up on it ive registered for a credit report so hoping this sheds some light on the debt many thanks

hi I posted the cpr31:14 to HL and the CCA to CQ and a SAR to Lloyds all recorded delivery yesterday morning. just not sure what happens next or what to do many thanks

sorry, but I read on one post not to delete it so just wanted to double check that's all thanks for your time

hi on the cca form do I delete the blue section as its a debt agency thanks

shall I put my new address or the address on the claim form (my ex still lives there) and he is happy to receive the mail. sorry to ask so many questions but I don't want to slip up anywhere once I have available funds I will be donating your advice is unvaluable many thanks

hi dx once I have done the claim online can I send the letters off. thanks

hi dx im just about to register online the claim should I put my new address in or the one which the debt is under thanks

hi dx thanks sorry for sounding dim but is it made payable to CQ and do you sign a PO, so your saying to leave those both blank, I not up to date with sending POs?. what about signing the two letters? on the cpr31:14 am I just asking for the agreement as that is all that is listed in the Poc or all what is listed in the letter cpr31:14 many thanks

hi do I type my full name out on both letters for the signature cpr31.14 and cca thanks

hi I am doing the CPR 31.14 Request what is the case no. I fill in and im sending this to the solicitor named on the claim do I make the postal or payable to them or the claimant? thanks

hi thanks for the reply right, i have had a good route around and i have found a letter with the same agreement number, it seems to be a loan, there is no statement or other details of the agreement so i assuming it is a loan. its saying back in 09 i agreed to pay x amount for so many months. i know this sounds odd but i really cant remember this debt or the letter. my ex-husband would not of signed for a loan. it was a joint current account there was an overdraft of x amount the ex is sorting that side of things ( its not the overdraft as the amounts are totally different) I still dont know why i never paid any of the amounts or if i settled anything with them. I am not sure what to do now should i still defend the claim in full as i really need to know what the original amount was for and why no correspondance was sent. I have tried to get a credit report but will need to call them as they cannot verify my details . sorry not replied sooner only i have been on nights many thanks for helping me

hi thanks for the reply, in the poc, it says: monies due under regulated credit agreement number xxxxxx, between Lloyds banking group and the defendant the benefit of which was assigned to the claimant on 28/2. the agreement terminated upon the defendants failure to comply with the terms of the agreement..... ...then gives me a number I can call to make payments or queries which is to the claimant. there was an overdraft but according to my ex-husband that is in his name. I am sure it was a joint account (current account) I have not seen or heard anything since I left the property 5 years ago. the last time I would of used Lloyds bank would be 5 years ago I walked away from the marital home and thought everything I had was upto date I have never written to anyone as I am unaware, this was a total shock for me when he handed me the letter on Friday just gone. he says there has been nothing arrived at the address I assumed my ex took over the account when I left and I just banked elsewhere from then on. its very hard not to worry, I had a very difficult spilt and a lot of stress etc.... . so this has hit hard as its a big sum to me thank you for replying and when I go for a postal order do I have to sign it and does that go for Lloyds too? thanks

i, I am new to all this, think ive posted in the right place. I have received a court claim from capquest yesterday and its dated 28/2/2014. its a Lloyds credit agreement for the sum of £6188 I am really not sure about this debt. ..Ill start at the beginning: I split with my husband and left the marital home that was in april 2009. we did bank with Lloyds and we had an over draft and a loan but I thought that had been paid I really have no recollection of it. I walked away from everything I had and started again. I am on speaking terms with my husband (we are not divorced yet) and yesterday when I dropped the children off he handed me the letter it had gone to the marital home address. I just went sick as I don't recall any agreement. I asked if any other correspondence had been sent there for me and he said no. I have not been at that address for 5 years now so I am totally clueless as what to do. the particulars box on form has an agreement number and states its Lloyds and a date it was passed. the acting solicitors are HL and the signature is typed. really hoping for some help as it seems I have till next Friday if im right which is to register the claim i cant think straight i don't want a ccj against me as i want to go on a mortgage with my new partner. many thanks

hello please help. my mum passed away 2008 and last year I opened up an account in her name as I was sick of getting people still calling and sending things with her name on. It was just see if it would allow me to it did with a credit limit off £500. I just left it. I used this account to see if would allow me to and it did a pair of shoes and a laptop all confirmed I couldn't believe how easy it was. I also opened one up in my dads name he is 84 and they immediately gave him £1000 credit I could not believe it. I ordered a laptop and at first it was accepted then rejected I closed account immediately. after I had done this the laptop on my mums account was then rejected after having a delivery date I had no intention of keeping the laptop I just wanted to see how easy it was to obtain credit this way. stupidly I kept the shoes on mums account. I received a letter from company to contact them about the account which I haven't as its in my mums name. I have paid for the shoes so there is no outstanding balance and I've asked for the account to be closed down. will they investigate further or just close the account am going out my mind I no it was stupid but I was so fed up still now I get letters from companies in my mums name as if isn't bad enough dealing with loss. i just still get very upset with the loss and when letters come through the door from catalogue companies it brings it all back and i thought i would test them now my nerves are being tested instead as i thought i could show them how rubbish there security was. sorry for rambling i just so worried