Last week I received a letter from the court confirming my defence and the 28 day window for the claimant. Today I received a scanned letter from MMF, and a copy of the credit agreement from Wageday Advance. They returned the £1.00 postal order. They also said "unfortunately, your account has now been transferred to our legal department Moriarty Law". Now I'm reading through the credit agreement (it's a running account credit agreement) that they sent me from Wageday Advance and there appear to be a few discrepancies. They sent me a credit agreement which is dated earlier than the date they gave on the Claim Form. I realise that the date they gave on the Claim Form is from when I got a reloan (or drawdown loan) from Wageday, and not from the original loan I had with Wageday Advance. I found an old email with all the details for the drawdown loan (this email has the same date as the date given on the Claim Form), however, the agreement number MMF have sent me and the one on the email isn't the same. I also found another email which relates to the original loan, and again, the agreement number doesn't match with the one MMF have sent me. I am also trying to calculate how they came to the figure they gave on the claim - the original agreement (the one MMF sent me) is barely over £100.00, and even if I added this number to the drawdown loan I received, it still wouldn't add up. The agreement they sent also isn't signed by the creditor (I know it was an online agreement, but my name is stamped the debtor section, while their section is blank). I was wondering if this information gives me any sort of advantage, or at least something to question if it goes to court? Thanks!

Sorry if I wasn't clear, the company that debited the money from my Lloydstsb account was one completely unrelated to wageday and any of their associates. The payment I made on the 25/10/11 was different and went straight to wageday I also now see they had really upped the amount owed with different charges. Initial repayment with interest was in the 300s but now they say it's way over 400

I paid the interest on 25/10/2011

Good to know. I'll read the other threads, I think I just let my nerves get the better of me and panicked when it's unnecessary. Thank you for the help. Going over things I believe I just paid the interest on my initial loan but not my rollover loan which is where this issue stems from. It was another company that took money from my bank account.

Okay brilliant, I'll get on all of the above and hopefully it'll all work out. Thank you! Just to add some more info, it seems like back in 2011 when the debt was still with wageday, I asked for an extension to pay but I wasn't granted the extension. Also the amount they said was outstanding is more than what they are asking for now. Not sure if this makes any difference More info, not sure if this changes anything Moriarty wrote to me today saying they'll issue a judgement against me 14 days from the date of the letter. They also offered me a payment plan to stop the proceedings. Should I just wait to see what they say after in response to the CPR 31.14 request I am worried that my 33 days will be up before the 12 days they have to respond so I'm not sure how I am going to go about my defence. If anyone has any recommendations, that'd be great

Hi DX, Name Of Claimant : MMF Issue date from the court: 27/6/17 Particulars of claim: 1.Defendant owes the claimant £400 under a regulated loan agreement with Wageday dated 09/2011 which was assigned to the claimant 01/2014 and notice of which was given to the defendant on 01.2014 (debt) 2.Despite formal demand of payment of the debt the defendant has failed to pay and the claimant claims £400 3.and further claims interest thereon pursuant to section 69 of the county court act 1984 limited to one year to the date hereof... " (it's just the interest and the interest amount stated hereafter) What is the value of the claim? £500 Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Loan When did you enter into the original agreement before or after 2007? 2011 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? I remember getting MMF letters in recent months, don't recall a Notice of Assignment Did you receive a Default Notice from the original creditor? Don't believe so Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Not sure - as I mentioned, I have moved a good number of times in recent years Why did you cease payments? I believe Wageday were able to drag the amount out of my LloydsTSB account which left me in debt to the bank. I have never made a payment of that reason What was the date of your last payment? N/A Was there a dispute with the original creditor that remains unresolved? Yes, I suppose there is. I dispute that they even have a debt to be collected Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management planicon? No NOTE So should I send the CCA request and the CPR31.14 request? I think my most pressing problem is that I have missed the 19 day window (I did not ignore the letter, just never got it as there is an issue with communal post) EDIT Just read your response, okay great, at least i still have time. I've tried to ring Lloyds and TSB but they keep giving me the run around and not specifying who the account would be with now, Lloyds or TSB. I guess I''' try some more in the meantime and won't call the claimants or legal team I use noddle and it's not on my file at all. LloydsTSB is, but they're not.

Hey CAG, Hopefully someone can help me out with this issue. I just got a court letter issued 27th of June from MMF via Moriarty Law looking for payment from a payday loan taken out in 2011 from wageday advance for just over £400 (The claim was filled with the Northampton County Court). I went online and responded to the claim with an acknowledgement of service, however I can see that I am over the 14 days I had to respond to the initial claim and now I am a little worried that they may have already filled the CCJ. I want to defend the claim as I am 80% sure they took the money out of my account (even though I had no overdraft facility) from LloydsTSB which left me with a debt with the bank. However it's been over 6 years from the initial default with wageday, I've moved a number times since then, and Lloyds and TSB are now two separate entities so it's doubtful I have the proof of this. I am hoping someone on here could help me with what type of response I should issue to the court, or to any of the claimants specifically? I really don't want a CCJ (who does) and I've recently got on top of some really bad debts so this would be a major blow to my credit. If someone could help me out, I'd be eternally grateful. Thanks!