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Bugmans

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  1. Hi. Thanks for the help. I have done everything on the Mcol website and going to post the letter on Monday when my post office opens. When you say file a defence what do you mean ? ( Sorry if this sounds stupid very unsure about this sort of thing)
  2. Name of the Claimant ?LC Asses 1 S.A.R.L Date of issue – 09/10/2020 Particulars of Claim What is the claim for – the reason they have issued the claim? 1.The Claimant claims the whole of the outstanding balance due and payable under an agreement referenced ../... and opened effective from 23/12/2017. The agreement is regulated by the CCA 1974, Was signed by the Defendant and from which credit was extended to Defendant. 2.Defendant failed comply with a default notice served to s87 CCA and by 30/08/2019 a default was recorded. As at 06/09/2019 the Defendant owed Newday Ltd the sum of 1777.25. 3. by an agreement in writing the benefit of the debt has been legally assigned to Claimant. effective 06/09/2019 and made regular upon Claimant serving a notice of assignment upon Defendant shortly thereafter. And Claimant claims- 1.1857.25 2. Interest pursuant to Section 69 County Court Act (1984) at a rate of 8% per Annum from 06/09/2019 to 07/10/2020 of 14702 And thereafter at a daily rate of 38 to date of judgement or sooner payment. Date 07/10/2020 What is the total value of the claim?Total 2109.27 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?n/a Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account?Credit Card (Newday Ltd) 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 ?On line Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ?There is a link financial on credit file but not at any of the balances 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 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?Due to Mental health had to leave work and couldn't afford payment. Have set up and Stepchange plan but this was missed as isnt showing on Credit File What was the date of your last payment?Unsure 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?Yes with Newday
  3. Good Afternoon, My partner got a claim form in the post today. We have no idea who the company is although reading into it, it does mention about a Newday account that she didnt have but step change were helping pay it off. Neither of us have ever seen a claim form from the county court business centre before. Reading this fourm i saw someone had something very similar if not the same. We followed the steps saying to Log into the Mcol website and done what was mentioned on another persons post We have sent off a letter to the solicitors asking for copies of the documents they say they sent as we hadn't received anything. What would be the next steps for us to do? Is it just sit and wait to hear anything ? Any help would be great
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