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Bumble77

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About Bumble77

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  1. Doing really well today aren't I. Thank you so much for all your help. I will update as to progress
  2. Didn't even realise that was on, sorry about that and thank you so much for all your help. They told me on this cover letter that it was monument and the original account number A very cropped copy of the POC
  3. I have already done the acknowledgement process today
  4. 100% no payments made at all. Do I file that defence now or make them wait for the full duration?
  5. Original creditor was Monument and JC Intl Acquisitions must have purchased this at some point. Scanner still working hard! Having to break their file down as it's too big. This is the CCA Statement Pt1 Statement Pt 2 I have the account action log of actions they have taken too but a file of 1.7mb won't upload for some reason Account action logs too acctactionlogpt2.pdf
  6. I'm scanning it now, it's quite big and no personal details on it. I have found they'd put the cca in their and I'd missed that so my defence is that this is statute barred
  7. Hi, I need some advice in compiling a defence to a claim sent to me by Moriarty Law on behalf of JC International Name of the Claimant ? JC INTERNATIONAL ACQUISITION Date of issue – Their Date 24 May 2019 / Submission Date 25 June 2019 Particulars of Claim What is the claim for – 1.The defendant owes the Claimant £1075.67 under a credit card agreement with JCIA dated 29/2/2008 and which was assigned to the claimant and notice of which was given to the defendant. 2.Despite formal demand for the payment the defendant has failed to pay and the claimant claims £1075.67 3.and also claims interest thereon persuant to section 69 of the county court act 1984 limited to one year to the date hereof at the rate of 8% per annum amounting to £86.05 What is the total value of the claim? £1311.72 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? Yes Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes many times Did you inform the claimant of your change of address? No Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card When did you enter into the original agreement before or after April 2007 ? 29/2/2008 Do you recall how you entered into the agreement...On line /In branch/By post ? Online I think Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? No 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 Did you receive a Default Notice from the original creditor? Unknwon Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? Mental health conditions, I was briefly sectioned and then tried to get hold of all of my creditors but not all were showing on my credit file What was the date of your last payment? Unknown but well over 6 years ago Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No What you need to do now. In the pre litigation pack they sent to me (I have a copy as I sent by email) I asked for a copy of the CCA and also stated the debt was statute barred. To date all they have returned to me are statements of account that prove this is over 6 years old. The address they claimed I was at I had moved from long before those dates and my electoral roll supports this so I could have been found. So my defence items are no CCA and Statute Barred - What is the best phrasing to do this? I presume I also do this at the last minute possible? Thank you in advance
  8. Hi, I need some advice in compiling a defence to a claim sent to me by Moriarty Law on behalf of JC International The claim is dated 24 May 2019 and I have filed my intention to raise a defence to extend the period to 28 days today They claim: The defendant owes the Claimant £1075.67 under a credit card agreement with JCIA dated 29/2/2008 and which was assigned to the claimant and notice of which was given to the defendant. Despite formal demand for the payment the defendant has failed to pay and the claimant claims £1075.67 and also claims interest thereonprsuant to section 69 of the county court act 1984 limited to one year to the date hereof at the rate of 8% per annum amounting to £86.05 Amount Claimed 1161.72 Court Fee 70.00 Legal Costs 80.00 Total Amount 1311.72 In the pre litigation pack they sent to me (I have a copy as I sent by email) I asked for a copy of the CCA and also stated the debt was statute barred. To date all they have returned to me are statements of account that prove this is over 6 years old. The address they claimed I was at I had moved from long before those dates and my electoral roll supports this so I could have been found. So my defence items are no CCA and Statute Barred - What is the best phrasing to do this? I presume I also do this at the last minute possible? Thank you in advance
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