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About Number06

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  1. Thanks again and apologies, I just didn't understand what you meant when you said "post 15", I though you were referring to particular a post in the forum you sent the link to.
  2. Hi again 1st Credit failed to comply within their allowed time to the CCA request and their solicitors have failed to even reply to my CPR request. Am I right in thinking that I now offer this in my defence stating that I believe the debt to be unenforceable due to their failures to comply with the requests? Is their a formal wording for this? I have till 4pm tomorrow, Friday 24th to submit my defence. Thanks again.
  3. AoS completed online. Thanks again, I really appreciate all the help.
  4. My worry is that as I do owe the debt to HSBC, other than on the grounds that 1ST Credit and their solicitors miss supplying the CCA & CPR info and within time limits, what other defence can I actually make? Thanks
  5. The only reason I was taking the full amount of time was to see if the solicitors acting for the claimant responded to the CPR request within their time limit? This is all new to me so all advice is welcomed. This all spiralled because before defaulting a HSBC advisor refused to accept a reduced payment when there'd been a change in my job / income. Thanks for all the help so far.
  6. No, not yet. If I've counted correctly, I have until Sunday 12th don't I? (14 + 5 days)
  7. Hi again, I've now received a reply from 1ST CREDIT to my CCA request saying: "we confirm that we have requested this from the original creditor and will forward this to you once we are in receipt of the same. In the interim we confirm that no further action will be taken against you in respect of this matter by us, until the credit agreement has been provided to you" Here is the information you asked for above: Name of the Claimant ? 1ST CREDIT (FINANCE) LTD Date of issue – 24TH MAR 15 (Must acknowledge by 12th April ? / submit defence by 26th April?) 4pm 24th april - edit by dx What is the claim for – the reason they have issued the claim? ”On 23/09/1998 the defendant entered into an agreement for a credit card with the Original Creditor under Ref No. xxxxxxxxx. On 25/05/2013 the defendant defaulted on the agreement with an outstanding balance of 8,415.17. On 04/09/14 the debt was assigned to 1st Credit (Finance) Ltd in the sum of 8,41517, by the Original Creditor. A Statutory Notice of assignment was sent to the defendant. AND THE CLAIMANT CLAIMS 1. The sum of 8,415.17 2. Statutory interest pursuant to Section 69 of the Courts Act 1984 at a rate of 8.00% per annum from 17/9/14 to 23/3/15 344.91, and thereafter at a daily rate of 1.84 until judgement or sooner payment” What is the value of the claim? £ 8760.08 + £ 410.00 COURT FEE + £ 100 SOLICITORS COSTS = £ 9270.08 TOTAL Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? HSBC VISA CREDIT CARD When did you enter into the original agreement before or after 2007? BEFORE 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 Were you aware the account had been assigned – did you receive a Notice of Assignment? NO, NOT RECEIVED Did you receive a Default Notice from the original creditor? NOT SURE Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? NO Why did you cease payments? I CONTACTED STEPCHANGE BUT THEY WERE EVENTUALLY UNABLE TO HELP AS ONE OF MY CREDITORS REFUSED TO DEAL WITH THEM. What was the date of your last payment? NOT SURE Was there a dispute with the original creditor that remains unresolved? NO, JUST THAT I WAS UNABLE TO MEET THE MONTHLY PAYMENT AT THAT TIME, I DID ASK TO MAKE A REDUCED PAYMENT BUT THAT WAS REFUSED. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? YES, SEE ABOVE
  8. Thanks for that link. I'm doing the CPR 31.14 Request now
  9. Hi In the last few days I've received a County Court Claim Form from a company called 1ST Credit (Finance) Ltd of Reigate which states my HSBC Gold Visa card debt was assigned to them last September. As I have now less than 14 days to respond unless defending the claim, is it worth opting to defend the claim and requesting a CCA from them to see if I can have the claim refused by the court? Or do I just have to accept a CCJ? Thanks in advice for any advice, Terry
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