You only have my consent to contact me via Royal Mail. Please remove any email addresses or contact telephone numbers you may have on your system and do not contact me via any other method than Royal Mail

Thanks dx100uk I've already written to them telling them they only have my permission to contact me via Royal Mail. They are still emailing though. Latest one today is a begging email to phone them within 48 hours (which will be 19 days from claim). AOS submitted and now showing as received on MCOL. CPR request on its way. I did CCA 6 weeks ago so i do not bother with another and just mention in my defence they've ignored?

Which Court have you received the claim from ? Civil National Business Centre, Northampton, NN1 2LH Name of the Claimant ? Perch Capital Limited How many defendant's joint or self ? Self Date of issue – 22 Sep 2023 defence due - 24th Oct Particulars of Claim What is the claim for – the reason they have issued the claim? 1.The claimant claims payment of an overdue balance in the sum £3k incurred by the defendant under a ******** p2p loan, account number *************. 2.The defendant failed to maintain payments in line with the Agreement and the account has now matured. 3.The account was then subsequently assigned to the claimant and the defendant has been given notice of the accounts assignment. What is the total value of the claim? £3k Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes 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? claimant has only ever know new address Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? loan 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 ? online Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? not sure need to check 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 from debt purchaser Why did you cease payments? couldn't afford repayments. Loan was taken out during a period where i had a severe gambling addiction and had accrued other debts What was the date of your last payment? Feb 2022 Was there a dispute with the original creditor that remains unresolved? I did an affordability complaint to them but this was rejected. I have sent this to the financial ombudsman Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? OC were made aware of my problems and i was making small token payments for a while. As soon as i stopped they terminated the account. DUE TO TIME (WAS ON HOLIDAY WHEN CLAIM FORM ARRIVED) I HAVE ACKNOWLEDGED SERVICE ALREADY ONLINE)

Claim form received for this one. No response back from my CCA request or reply form (almost 6 weeks)

An update on this one. I sent CCA request and reply form to Perch Capital and TM Legal respectively on 29th August (1st class with proof of postage). I’ve had nothing back, other than text messages and emails, that appear to be fishing for a bite. 31st August ’you only have a limited time to respond to our Letter Of Claim to avoid possible court action. Please call us today on 03308281770 to discuss your account. 7th September ‘our Client is still prepared to consider the repayment of your account by affordable instalments should payment in full not be possible. You can set up a payment plan in line with your circumstances online by clicking here’ 13th September ‘we must hear from you in the next 7 days failing which legal proceedings may be issued against you. Call us now on to discuss your options.’ It seems pretty obvious that the next move is theirs. I must admit I came to close to replying to the latest text message, I’m pretty sure most people would capitulate and that’s their business model. What a despicable way to earn a living, low life **** is too kind of a description.

When filling out the reply form box D, do i just put 'the debt purchaser has yet to provide any or all of the required documentation.'

No it all came to a head suddenly, the ratesetter loan was probably the last one I obtained. I had no defaults at the time it was taken out, but was certainly in an overdraft with 4/5 credit cards and 1 other loan.,

Got into difficulties due to severe gambling problem. Had multiple credit cards, loans digging holes to feed the habit. The OC was made aware of this. Fortunately I've come out of the other side and now clean, not having any access to credit was the answer, but I'm expecting an avalanche now as I have multiple defaults.

Thanks for the reply. I will get the reply form filled in and sent within the 30 days. Yes SAR previous to this. Original account was loan, with RateSetter (Metro Bank plc). 2018 Defaulted 2022 after paying token payments for 6 months. Not paid anything for approx 18 months. DCA called ACR Europe chased me with letters, emails calls for 2 months. Ignored, no contact. Debt sold to Perch Capital January this year and ACI took overl Regular letters, emails and calls from these, and then TM legal , who have sent the letter of claim. No contact from me at all and no payments.

Good Evening, I have been checking through paper work I received from a creditor (debt was unsecured loan, classed as 'peer to peer lending') after I made a subject access request, I noticed that the default notice they sent me states all the particulars of the loan, but has my current address, when in fact the loan was taken out at my previous address. I informed the creditor of my change in address. The account has been passed on to various debt collection agency's, and the current one is turning up the heat and has sent a letter of claim. Should the default notice have included the address where the loan was originally taken out?