Hi, thank you for your response and advice. I have managed to respond via MCOL as per your instructions and will now look at sending the CPR 31:14 to solicitor as well. Can I ask if worst case scenario do not manage to defend, but do pay can a CCJ be avoided, as I am not sure how it works. I have ready within a month? Many thanks

Thanks Andy I have replied below with the answers from the question list:- Name of the Claimant ? INTRUM UK FINANCE LIMITED Date of issue – 5TH JULY 2021 Particulars of Claim What is the claim for – 1.THE CLAIMANT IS THE ASSIGNEE OF A BANK OF SCOTLAND PLC DEBT IN THE SUM OF 1200 ASSIGNED ON 28/06/2019. STATUTORY NOTICES OF ASSIGNMENT WERE SENT TO THE DEFENDANT. 2.THE DEBT IS A CREDIT CARD ACCOUNT FIRST OPENED ABOUT 18/06/2012 UNDER REFERENCE ***********. THE DEFENDANT USED CREDIT FACILITIES. 3.ON 17/04/2018 THE ACCOUNT DEFAULTED WITH AN OUTSTANDING BALANCE OF 1700. 4.THE CLAIMANT AND ITS PREDECESSORS IN TITLE DENMANDED REPAYMENT OF THE SUM DUE. IN BREACH OF CONTRACT THE DEFENDANT FAILED TO REPAY THE SUMS DUE. What is the total value of the claim? 1400 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? RECEIVED LETTER OF CLAIM 26/10/20. REPLIED 26/11/20 REQUESTING CCA, DEFAULT NOTICE, STATEMENTS, INTEREST, ETC.(AS PER PREVIOUS MESSAGES #9 WHICH INCLUDE REPLIES). ISSUE IS THE DEBT WAS OWNED BY MOORCROFT BEFORE INTRUM. MOORCROFT SENT THROUGH LOTS OF PRINTED STATMENTS, BUT NOT INTRUM. RECIEVED NOA FROM INTRUM 18/07/2019, BUT NO DEFAULT NOTICE . I MAY HAVE RECEIVED ONE FROM MOORCROFT THOUGH, WHICH I CANNOT FIND, AND WAS NOT SENT AGAIN BY iNTRUM. RECEIVED LETTER 05/01/21 FROM INTRUM TO SAY AS THEY HAVE NOT HEARD FROM ME SO WILL INSTRUCT SOLICITORS TO COMMENCE COURT PROCEEDINGS. Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Give answer here Did you inform the claimant of your change of address? i HAVE MY MAIL FORWARDED FOR THE TIME BEING VIA ROYAL MAIL. 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 ? AFTER 2007 Do you recall how you entered into the agreement...On line /In branch/By post ? ONLINE Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? YES 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? yes Did you receive a Default Notice from the original creditor? YES Have you been receiving statutory notices headed “Notice of Sums in Arrears” or " Notice of Arrears "– at least once a year ? NOT SURE Why did you cease payments? GOING THROUGH A SEPERATION, NOW DIVORCED. What was the date of your last payment? WAS ON A STEPCHGANGE DEBT PLAN AND PAYING SMALL AMOUNTS, COMPLETLY STOPPED AROUND EARLY 2020. Was there a dispute with the original creditor that remains unresolved? DEFAULTED WITH ORIGINAL CREDITOR THEN WENT THROUGH STEPCHANGE. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? YES, STEPCHNAGE.

Thank you. I have received a claim form from Lester Aldridge/Intrum, which I need to reply to as soon as possible. I have tried to attached.

Thank you. As I saw my signature on the form etc, I thought that was it for me in terms of fighting this. But of course I do not have the knowledge you have concerning terms and conditions points you made, and I don't understand DN and NOA. It may be best for me to wait to see what comes my way next from them, as you have pointed out. I guess it may be another PAP form, or even court!?

Hi As an update to this I have received a reply! Please see attached files. Can anyone please tell me if the reply is legit i.e is the CCA response correct and if so what do I do next please? any help would be appreciated. CCa return .pdf

It does say reply form and standard financial statements to client. However, I will do as you recommend. Thanks again, for helping even at this time!

Thank you. it is making more sense now. However one issue is the PAP letter says to send to intrum? 'you must return the reply form and standard financial statement to our client(intrum full address) within 30 days from letter date? instruction on post 2 says staple the £1 PO to the CCA request and send it to the debt purchaser return the completed PAP form below to the solicitors that sent it to you attain free proof of posting for BOTH at any PO counter 1st class mail will do. recorded is a waste of money. best to send it to both?

Hi DX100Uk Thank you so much for replying. Just to confirm:- I am asking for another CCA, this time from Intrum and not Moorcroft? letter was from lester aldridge, but they state in letter that reply form goes to intrum? also can i put the cca letter request and £1PO in the same envelope or best to post separately? Many thanks. also does it matter about the 30 days please?

I Hope you can hep me please. I have received a letter of claim from lester aldridge for Intrum uk finance limited stupidly i didn't realise it was dated 26th October, so I will not be able to reply within 30 days but post! it was for a Halifax cc originally owned by moorcroft in 2018 then by antrum from 18/7/19. i sent a CCA request to Moorcroft end of 2019 and received reply early Jan 2020. acknowledging receipt of CCA and requested files from client. also stated they are not seeking enforcement. received a huge package of statements from 2012 to 2018 with a covering letter saying please see copy of bill/statement/breakdowns/agreement i cant see any terms and conditions or my signature of setting up card agreement etc? I would greatly appreciate any help you can give me in terms of what choice i have for the PAP letter? do I phone instead to be within the 30 days? or fill it in anyway. If so what option do i select, is it that I dispute the debt etc? NOTE - I received the package from Moorcroft in April 2020. It was passed to Antrum on 18/07/20. many thanks

Hi Ewaver Yes the checks went through fine thankfully. I did not allow access to open banking. The process allows you upload wage slips etc or give access to open banking. Whether that made any difference, i'm not sure. Good luck, with yours!

Thanks. hopefully it will all go through. and if not can ask father as guarantor, although that option may no be available on that property etc etc. My main concern was how let alliance is using open banking and whether they can see outgoings as well as incoming funds. The reliance on an algorithm rather than a human to decide if the tenant is OK or not is another factor. However no different to if they asked for last 3 months statements etc. my other concern is there is a payment to step change every month! on it! (soon to stop, and control myself, with the help of this forum). Finally the 'possibility' with call credit (Transunion) supplying credit report to let alliance. Would you allow open banking sharing with Let Alliance in the above scenarion?

Hi Yes father is happy to be a guarantor, but wanted to see if all is ok without. I am hoping the open banking section is just n easier way to confirm salary going into the account. The more I look into it the more scary it seems! https://www.letalliance.co.uk/letting-agents/same-day-referencing/

Thanks fkofilee Yes let alliance one of the first apparently. Agree I can tick to disagree the option. However on their website they claim they will get a credit report from TransUnion formerly call credit regardless, hence the stress. Happy for them to ring employer for salary confirmation and verify current address via credit check and no ccj, bankruptcy etc. However being on a dmp and having defaults adds to it.

Hi I am currently applying for a rented property through an estate agent. From doing some research from the web, most forums were saying they only check for CCJ's, Bankruptcy and electoral roll (public info). so should be fine! I am on a DMP with stepchange and have no CCJ's, etc. However the company the letting agents use are Let Alliance, who have sent me an email saying it is all electronic and to tick the box for open banking so my bank can send info etc, also call credit will supply credit check info? This has me worried as my credit report has defaults from 2-3 years ago. I can afford the rent etc, so not sure if I should tick the box for open banking or it takes longer if i dont? Has anybody had any experience with this? any help would be appreciated! Thanks

sobering advice DX, thanks. I will feedback, if I have any issues, questions. Donated! cheers.