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CraftyFeline

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  1. Hello Thank you for your response, I think I have done this right. My responses are in bold Name of the Claimant ? Merligen Investments LTD Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 12/11/2019 received today 13/11/2019 Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total) - ^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE ON THE CLAIMFORM IS ONE IN THE COUNT [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days in total I a, unsure what I am doing with this part. Particulars of Claim What is the claim for – the reason they have issued the claim? Please type out their particulars of claim in full (verbatim) less any identifiable data and round the amounts up/down. The defendant owes the claimant £209.79 under the a regulated agreement with Studio Retails T/A Ace dated 16/10/2015 and which was assigned to the claimant on 19/07/2017 (debt) Despite formal demand for payment of the debt the defendant has failed to pay and the claimant claims £209.79 and further claims interest thereon pursuant to section 69 of the county courtact 1984 Limited to one year to the date hereof at the rate ot 8.00% per annum amounting to £16.78 What is the total value of the claim? £301.57 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? No Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No 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? no When did you enter into the original agreement before or after April 2007 ? no 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...) ? 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 not received any correspondence apart from a couple of recent Text messages and in all honesty I thought it was a [problem] Did you receive a Default Notice from the original creditor? No Have you been receiving statutory notices headed “Notice of Sums in Arrears” or " Notice of Arrears "– at least once a year ? No Nothing Why did you cease payments? About 3 years ago What was the date of your last payment? Can’t remember Was there a dispute with the original creditor that remains unresolved? No dispute Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? no OK I have done all now and printed out the letter to be sent tomorrow morning. I must say I feel sick but thank you for your assistance, I feel somewhat blind now and feel the need to ask, what next? If that is not too presumptuous.
  2. Hello Thank you for your response, I think I have done this right. My responses are in bold Name of the Claimant ? Merligen Investments LTD Date of issue – 12/11/2019 Particulars of Claim What is the claim for – 1. The defendant owes the claimant £209.79 under the a regulated agreement with Studio Retails T/A Ace dated 16/10/2015 and which was assigned to the claimant on 19/07/2017 (debt) 2. Despite formal demand for payment of the debt the defendant has failed to pay and the claimant claims £209.79 and further claims interest thereon pursuant to section 69 of the county courtact 1984 Limited to one year to the date hereof at the rate ot 8.00% per annum amounting to £16.78 What is the total value of the claim? £301.57 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? No Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No 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? cat debt When did you enter into the original agreement before or after April 2007 ? no 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...) ? 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 not received any correspondence apart from a couple of recent Text messages and in all honesty I thought it was a [problem] Did you receive a Default Notice from the original creditor? No Have you been receiving statutory notices headed “Notice of Sums in Arrears” or " Notice of Arrears "– at least once a year ? No Nothing Why did you cease payments? About 3 years ago What was the date of your last payment? Can’t remember Was there a dispute with the original creditor that remains unresolved? No dispute Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? no
  3. Hello The post has just been and I have received a county court claim form from Merligen Investments, it seems that they have bought an account from Studio Retail Ltd T/A Ace, the agreement dated 16/10/2015. The amount is £301.57 What do I do about this, they claim they have sent me notification of assignment but I have not received anything at all apart from a couple of text messages recently and given the name Moriarty I thought it was a [problem] as Moriarty is Sherlock Holmes brother. How do I respond? Any help would be appreciated, its Northampton County Court and I have 14 days to respond.
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