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Phoenix nights

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  1. The outcome was in favour of the claimant. The judge said he was satisfied that the default had been served and the screenshot stood. As it was in line of when the default would have been entered onto my credit report.
  2. Ok, I will leave that one, in that case. I have my hearing on Monday. So would greatly appreciate any other advice.
  3. I agree, I regret not reaching out during the time of the mcol and statement, as they are terrible. I have requested the default twice and through the pap. Only now they have sent this reconstructed version with the orange screenshot, which I have never received before. I did try to articulate that in my defence i.e. not seen the original default and asked for it multiple times. That's my only argument at the moment that I can mention?. Other than the June case regarding intrums loss as the defence argued they are not FCA registered so should not be bringing claim?
  4. I have attempted to attach both and would appreciate any help. intrum witness statement .pdfdefendant statement .pdf
  5. Hi, yes it is. We are the stage where we have the court hearing next week. They have the NOA, statements, etc, the issue I will argue is the Default notice, which I have only received a reconstituted copy of, not the original. They did not send the DN until the last minute as part of there witness statement (reconstituted). They have included a screenshot of the banks default screen which only shows my DOB and default date. The default date is different to the default date on my credit report by a couple of months as well, so have argued that on my defense too.
  6. Thanks dx100uk. No, it was something I came across while researching for my own hearing next week. I didn't completely understand the implication of it so wanted to share to ask if it may help me and others in the same boat with a small claims court hearing with Intrum UK Finance as the claimant.
  7. Hi I have an active small claim open from the county court with Intrum Finance limited as the claimant. Can this be struck out by the latest judgment What does this mean for (all) defendants who are being pursued by Intrum UK Finance limited via the courts, as they are not FCA approved? Would be interested in your thoughts and especially your experiences. Many Thanks.
  8. 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 Thank you for advice regarding sending files, and not sending .doc files.
  9. 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.
  10. 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.
  11. 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!?
  12. 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
  13. 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!
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