Jump to content

George20182

Registered Users

Change your profile picture
  • Content Count

    52
  • Joined

  • Last visited

Everything posted by George20182

  1. So to update on this I haven't heard anything since the beginning of March - either from the court or the claimant. So I assume the claim is stayed waiting for the claimant to move next? MCOL is just showing defence received.
  2. ok, i need to see if i can locate the original agreement - to compare, but definitely no agreement number on what they have sent me. Could be they sent a reconstructed version and forgot to add the agreement number... I will also resend the irresponsible letter complaint I had mistakenly sent to the DCA.
  3. ok thanks - any thoughts on the agreement? also what do you think - Also, whilst I wrote to Lantern and complained about irresponsible loan selling and not heard back - should I have sent this also to the original creditor?
  4. No signature as such as it was completed online, bottom of page 2 it was typed in (which i blanked out). Whats your opinions? Do i let it run and wait for the court directions - or do i attempt to settle now - even though I had tried and have been repeatedly asked for the I & E form to be completed first? Also, whilst I wrote to Lantern and complained about irresponsible loan selling and not heard back - should I have sent this also to the original creditor?
  5. no account number on, only my name , address which i blanked out. Looking through what they sent me, there is no copy or mention of default notices, or a letter of assignment - only on the cover letter do they say when the debt was purchased by Lantern. ... I'm afraid still come out upside down! bb5-compressed (1).pdf
  6. A claim was issued against you on 17/01/2019 Your acknowledgment of service was submitted on 23/01/2019 Your acknowledgment of service was received on 24/01/2019 Your defence was submitted on 14/02/2019 Your defence was received on 15/02/2019 I will upload later this afternoon.
  7. just checked and date of claim was 17th January and defence had to be in by 18th February (as post 10?) and i had sent 13th February. I have had the notice of defended claim, but not a N180?
  8. No the claim isn't stayed as yet, I think by Wilkins saying i have until the end of the week to reply, gives them time to proceed with the case without having to pay the £255 fee and the case becoming stayed. How do you think I should proceed? Contact them as I mentioned in post 18 or let the court process move forward?
  9. this is where I am at; Court replied saying it was now a defended claim. Lantern replied with a copy of my online loan agreement and returned the £1 payment. Wilkins, replied with a bundle of paperwork. and also answering my defence. They are saying they did not receive any correspondence from me apart from the original repayment offer. Meaning the letter of irresponsible lending I sent. They have said they tried to reach out to me to agree a repayment plan. They attached copies of the online loan agreement, terms and conditions, statement of ac
  10. Cheers, makes sense now as every point will then form my witness statement assuming it goes that far.
  11. how does this look - sorry its been a long few days... Particulars of claim for reference only 1.The claimants claim is for £4,527.71 being monies due from the defendant to the claimant in respect of a regulated credit account agreement between the defendant and Bamboo (no xxxx) and assigned to the claimant on xx/xx/18, notice of which has been provided to the defendant. 2.The defendant has failed to make payment in accordance with the agreement and a default notice has been served pursuant to the cca 1974. 3.And the claimant claims interest on the sum due pursuant to
  12. does this look better? 1. 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. 2.The claimants claim is for £4,527.71 being monies due from the defendant to the claimant in respect of a regulated credit account agreement between the defendant and Bamboo (no xxxx) and assigned to the claimant on xx/xx/18, notice of which has been provided to the defendant. 3
  13. this is what I am thinking for my defence what do you guy's think - I haven't added anything in re irresponsible lending - do i do that late on? 1.The claimant claims the sum of £4792.71 for an outstanding debt owed including court fees. 2. In November 2016 the defendant entered a agreement with the claimant for a loan of £3,000.00. The Defendant contends that the particulars of claim are 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. 3. Par
  14. Yes that's correct CPR.... By my reckoning my defence has to be submitted by 15th February? I need to get thinking on the defence and will post up.
  15. I received county court claim from Lantern. This was despite me initially (foolishly) asking for a payment plan, and then writing to them saying this loan was given, and irresponsible. I have just thought Lantern WERE mmf... Name of the Claimant: Lantern Debt Recovery Date of issue; 17.1.19 What is the claim for – the reason they have issued the claim? 1.The claimants claim is for £4,527.71 being monies due from the defendant to the claimant in respect of a regulated credit account agreement between the defendant and Bamboo (no xxxx) and assigned to the claimant on xx
  16. Just to update on this, had a letter from Cabot re CCA request saying they can't find (surprised as it was a recent application and done online). Anyway, saying whilst they can't comply they can't carry on with the CCJ, but invite me to pay....well we know the answer to that.
  17. I believe so yes, as on one of the letters it states that if i want to talk to them to settle i am welcome to call them. One other claim I defended in July - i have heard no more to date - no judges directions to date yet. Just the letter to say its a defended claim, so would expect this is stayed at the moment.
  18. Yes all filed in time and had a letter from court saying its a defended claim. Also had a reply re the cca request saying we will request. Leys see what happens next.
  19. no - same address. What difference would it make?
  20. Well only the 1 email with Lantern offering £25 a month and that's all. To be honest thought I was stuffed....but I will not negotiate any further. At the time I took out the loan, I did have defaults on my file from PDL and also a 2 loans from I suppose, sub prime lenders who I also defaulted on. Bamboo, though aren't a PDL company, but offer loans. The loans show as defaulted on my file and sold on to Lantern. I will do some research and no doubt come back..
  21. i am trying to get debts in order and went to offer these £25 a month... Story is.. Bamboo loans £4527.71 from a loan taken in November 2016. Original opening balance of £5259.11 from a loan of £3000. Paid monthly until June 2017. Defaulted and paid nothing since, to be honest took a bit of debt out late 2016 and realistically don't know what I was thinking as there was no way I could have paid all back long term when I look back now. Have a statement from Wilkins, lots of £12 charges since missing payments from June 2017 too December 2017. I have asked for als
  22. Just a quick question not related to the above as such - on another debt I have I had offered the company £25 a month reviewable in 6 months. Anyway they are insisting I complete a i+e form - which I have refused too. I am going to go back and say this is what I offer, end of. If they ignore and say initiate legal action against me - can they based on the above?
  23. so do I just ignore and when the time comes, say they didn't comply? BTW - I wouldn't be happy sending copies of passport out. Also as my defence is due should I use what i originally had posted.
  24. ok so to update, i have had a reply from Mortimer Clarke, the solicitors in response to my CPR 31.14 request saying they need me to send some id to confirm who i am before they can comply and have asked for a copy of my passport for example....
×
×
  • Create New...