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Everything posted by GoldenGoose

  1. Sorry yes CPR 31.14 is what I have compiled Is point 4 applicable or should I remove?
  2. I am compiling CCA request 2 as I am assuming this is an overdraft claim, would you agree and if so do I redact point 4. Notice of Assignment * (delete if not assigned and with the original creditor)??
  3. Name of the Claimant ?Abu Dhabi Commercial Bank Date of issue – 19 Nov 2019 Date to acknowledge = 7 Dec date to submit defence = 20 Dec Particulars of Claim 1.The claimants claim is for the balance due under an agreement dated 19/12/2014 which is now all due and payable. 2.The defendant agreed to pay monthly instalments under account number **************** but has failed to do so and the claimant claims the sum of £877.52 3.The claimant also claims interest thereon pursuant to S.69 county court act1984 limited to one year to the date hereof at the rate of 8.00% per annum amounting to £70.20 What is the total value of the claim?£1077.72 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?Yes 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 but not sure possibly overdraft When did you enter into the original agreement before or after April 2007 ?After Do you recall how you entered into the agreement...On line /In branch/By post ?Unsure but likely in branch 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?Not that I’m aware of 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 Why did you cease payments?Lost job and departed country What was the date of your last payment?December 2013 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?Explained I had lost my job prior to leaving
  4. Hi shall I post what I have from Moriarty Law as I have 2 final demands from back in August??
  5. Hi As requested I have opened a new topic of a final demand from Moriarty Law for £69k, as yet not received anything further since 25th August. Can you please advise the best course of action.
  6. Hi DX100uk,

    I wonder if you could provide your thoughts and any advice would be appreciated, I have received 2 letters from Moriarty Law back on 25th August both Final demands before proceedings first for £61k plus costs 2nd for £28k plus costs.

    Then 5th September another Final Demand for £877 plus costs.

    I ignored all of these and on Saturday received a county court claim form only for the £877 plus costs.

    Having read a lot of the threads you have been in discussions on I cannot see anyone that has received a county court claim, would I need to reply to this or continue to ignore, whilst the claim looks like a photocopy it does have a claim ref number.

    Look forward to your response.

  7. Hi, The court letter states ADCB as the claimant but all correspondence to go to Moriarty Law, I also got a letter from Moriarty Law stating I would be getting the county court letter but can still reply to them to come to an agreement. The county court claim is a photocopy and doesnt have the original court stamp so not sure if its real. Welcome any further advise on this but think I do need to respond at this stage?
  8. I hope this is ok for me to join, I have received 2 final demand letters from moriarty law 1 on 5th September for £1077inc costs and another for £69,480inc costs. I ignored them and heared nothing this weekend I received a county court claim from northampton county court for the £1077 claim. So far I have had no communication with ADCB or Moriarty Law, do I now need to provide the response as per the threads above suggest, I have 14days to respond and the letter was 19th November but arrived with me on saturday. Apologies if I should start a new post but think the relevance is exactly the same and I have just signed up so completely new
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