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Iddon Leo

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About Iddon Leo

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  1. Thanks. The tone of their letter suggests contacting them regarding arrangements - something that I've no intention of doing.
  2. Hi all, received a Statement of Account from Link regarding this ongoing issue. Still not received anything from them regarding a copy of the agreement to the Claimant and the CPR 31:14 request to Kearns, their solicitors. Any feedback or guidance will be gratefully accepted.
  3. Received standard acknowledgement from CCBC and advising that a copy of the defence has been sent to LC Asset giving them 28 days to respond.
  4. I thought as much. I'll email the defence and send a hard copy this afternoon. Thanks for your assistance. Will keep you posted
  5. Thanks Andyorch. One further question, do I make any mention of the period that my wife, the defendant, was hospitalised for 3 months during 2016 and 7 months during the period 2019 to 2020?
  6. Updated, in bold, my apologies. 1. The Defendant contends that the Particulars of Claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. The Claimant has not complied with paragraph 3 of the PAPDC (Pre Action Protocol) Failed to serve a letter of claim pre claim pursuant to PAPDC changes of the 1st October 2017. It is respectfully requested that the court take this into consideration pursuant to 7.1 PAPDC. 2
  7. Would the defence example posted I posted on Saturday look like something i could utilise? I seen many similar examples going through the site - this does appear to be consistent with our situation.
  8. This particular defence appears particularly relevant given my wife's circumstances: Particulars of claim 1.The Claimant ('C') claims the whole of the outstanding balance due and payable under an agreement referenced “ref number” and opened effective from 27/08/2016. The agreement is regulated by the Consumer Credit Act 1974, was signed by the Defendant ('D') and from which credit was extended to the Defendant. 2' The Defendant failed to comply with a default notice served pursuant to s87, . CCA and by 05/08/2019 a default was recorded. 3.A
  9. Received letter back from Kearns Solicitors advising they: Require time to acquire requested documents That a hold has been placed on the account and no default judgement shall be requested within 14 days of the date the documents are to be provided. They do not consider it necessary to file an application seeking time to provide said documents, thought if required by defendant that they will do so. Any thoughts or comments on this?
  10. She isn't capable to sign into any DMP arrangements and similar we've only got the debt claim ongoing that I am aware of, and note your advice regarding CCA should others ensue.
  11. I haven't personally seen any previous correspondence from Link/Kearns prior to the claim form that would have been sent to my wife and I can find nothing within our files. Because of her condition (subarachnoid heamorrhage - Stroke), and more recent similar medical complications, she's unable to recall or indeed remember anything about this subject.
  12. This thread from the beginning to the guidance on defence looks quite relevant to me. Any thoughts?
  13. Yes AOS. When refer to holding/no paperwork defence is this when the claimant does not have contractual paperwork or similar that illustrate a legal assignment?
  14. Received acknowledgement of AOD from County Court. They advise that defence info' will need to be issued by by email or post. Any further suggestions on proposed defence etc?
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