Not legal advice but i have 2 stories 1) Years ago an old boy I know who collects vintage lorries was up in Scotland with his wife and the Mayor drove past in his car with the reg ED1. Old boy went mental as this was a plate on one of his lorries, they had removed it because the vechicle had not been taxed for decades. He got the plate back even though they put up a good fight. 2) Another friend worked for a huge international company and had a company car every 3 years. He asked if he could put his private plate on and they said yes. Came around to new car delivery time and he called the required department to get his plate transfered onto new car. Problem, they had sold the fleet including his with the plate to a new owner! Eventually got it back but took legal action. So you could say 2 good outcomes to both........there is hope.

Thanks guys, hopefully that is right about adding the with proffits at the end, kind of makes sence as they wouldnt know the value until time of death? Oh and shes 87 now. Will sort all this once ive finished my accounts for the year end........

Thank you, im going to look into this further, will post up what i find just in case anybody else is in the same shoes later. Dreading the L&V one though, thats a lot of money......

Not sure this is the right place but here goes. Just sorting through my elderly mothers finaces and have come across the following insurace pollicy :- Phoenix Life - Whole of life with profit. Now my question to all you clever folk is was this a banking scam back in the day like PPI Insurance? She took the policy out in 1967 and has been paying £4.13 monthly premium ever since. Thats 56 years! Now the policy according to her annual statement only pays out £800 on her death. my small brain cant fathom this, pay £2775.36 into a policy to only get £800 back on her death? Just think of the interest if that had been a savings account! Have asked her to stop paying this but she was adamant if she did then there would be no pay out as she asked this question years ago. Now she cant find the paperwork but took out another similar policy around a few years later that pays out £2500 for funeral expenses, this costs her £14 PCM. I just hope this hasnt been for 50 years? This was taken over by Liverpool and Victoria who the current D/D goes to Advice please chaps

Sorry for late reply, yes that is correct DX ecactly as you stated

So a quick update My friend called me in quite a panic the other day, Link Financial sent her a letter stating they had recieved the documents relating to the S77/88 request from the original creditor and that the account is now enforceable! Went over for a cuppa and to look thorough the paperwork as it was quite vast, upon reading though it turns out they had simply gone to the barcleycard website and printed off the sandard terms and conditions. The fools had left HTML link at the bottom of the page, how stupid do they think we are? So thats it in a nutshell for the moment. I hope this helps anyone in a similar situation?

Update Went to go see my friend tonight, she received a letter from the courts stating they had sent her defence to the Clamant and the claimants solicitor giving them 28days to provide us with the information required and to further inform the court if they wished to proceed. This letter was dated the 26th of September, checked MCOL and nothing showing and nothing in the post to date.

No she just got the N1 from SCC as typed out above, no letters from LC ASSET/LINK at all saying pay or we will take you to court

Sorry @AndyorchI dont quite understand your reply?

Defence 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. 2. It is noted insofar as I have in the past held a contractual relationship with Barclaycard. I do not recall the precise details or aware of any outstanding balance. I therefore have sought clarification from the claimant’s solicitors by way of a CPR 31.14. Unfortunately the claimant’s solicitor has failed to comply with my request. 3. It is noted the claimant states that the defendant has failed to make contractual payments under the terms of the agreement. The claimant has failed to comply to my section 78 request and thus remains in default of said request and therefore unable to enforce any alleged agreement? 4. It is noted the claimant states a default notice has been served upon the defendant pursuant to S.87 (1) CCA. I have never received any Default Notice relating to the alleged claim therefore it is denied. 5. On the 06th September 2022 I made a legal request by way of a section 78 request to the Claimant. The Claimant has failed to comply with my request and is therefore in default and unable to enforce or request any relief until such time they comply. Therefore the Claimant is put to strict proof to: (a) Show how the Defendant has entered into an agreement; and (b) Show how the Defendant has reached the amount claimed for; and (c) Show and evidence the nature of breach and service of a Default Notice Pursuant of sec 87(1) of the CCA1974. (d) Show how the Claimant has the legal right, either under statute or equity to issue a claim. 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed and evidence any breach and notice of breach by way of a default notice or notice of sums in arrears 8. By reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.

Thank you, no3, is it not woth keeping it in as she recieved a notice of transfer from LC Asset to LINK financial but the N1 is from LC asset? Yes the CPR did go off to Kearns, should i replace claimant with Kearns solicitors?

need to file the defence before the 27th September I have written out a rough draft for advice and polishing Defence 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. 2. It is noted insofar as I have in the past held a contractual relationship with Barclaycard. I do not recall the precise details or aware of any outstanding balance. I therefore have sought clarification from the claimant by way of a CPR 31.14. Unfortunately the claimant has failed to comply with my request. 3. It is noted that the debt was legally assigned by LC ASSET (Ex Barclaycard) to the claimant and notice has been served. The Letter of Assignment was received on the 21st December 2021, then another letter of assignment from LC ASSET to LINK financial was received on 22nd May 2022 but since that date have not received anything requesting or related to the alleged debt until the Letter of Claim dated 25th August 2022 4. It is noted the claimant states that the defendant has failed to make contractual payments under the terms of the agreement. The claimant has failed to comply to my section 78 request and thus remains in default of said request and therefore unable to enforce any alleged agreement? 5. It is noted the claimant states a default notice has been served upon the defendant pursuant to S.87 (1) CCA. I have never received any Default Notice relating to the alleged claim therefore it is denied. 6. On the 06th September 2022 I made a legal request by way of a section 78 request to the Claimant. The Claimant has failed to comply with my request and is therefore in default and unable to enforce or request any relief until such time they comply. Therefore the Claimant is put to strict proof to: (a) Show how the Defendant has entered into an agreement; and (b) Show how the Defendant has reached the amount claimed for; and (c) Show and evidence the nature of breach and service of a Default Notice Pursuant of sec 87(1) of the CCA1974. (d) Show how the Claimant has the legal right, either under statute or equity to issue a claim. 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed and evidence any breach and notice of breach by way of a default notice or notice of sums in arrears 8. By reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.

Done So now lets wait for a little and see!

Which Court have you received the claim from ? MCOL Northampton N1 Name of the Claimant ? LC ASSET 2 S.A.R.L Date of issue – 25 Aug 2022 1.The Claimant C claims the whole of the outstanding balance due and payable under an agreement referenced (16 digit code) and opened effective from 07-03-2019. The agreement is regulated by the CCA 1974 CCA was signed by the defendant D and from which credit was extended to D. 2.D failed to comply with a default notice served pursuant to s87 (1) CCA and by 30-01-2020 a default was recorded. 3.As at 29-11-2021 the defendant owed Barclaycard plc the sum of 9050.00. By an agreement in writing the benefit of the debt has been legally assigned to C effective 29-11-21 and made regular upon C serving a notice of assignment upon D shortly thereafter. And C claims 1 , 9050.00 2, Interest pursuant to section 69 County Court Act 1984 at a rate of 8% per annum from 29-11-21 to 25-08-2022 of 470.00 And thereafter at a daily rate of 1.91 to date of judgement or sooner payment. Date 25-08-2022 What is the total value of the claim? 10,055 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 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 ? No Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Will find out & edit 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? Sort of - see first post 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 ? No Why did you cease payments? Could not afford them What was the date of your last payment? Never made a payment 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? No - buried head in the sand This might be easier N1 form (1).pdf

Good afternoon all After my successful dealings with Barclaycard thanks to you all I am now helping a friend of mine to hopefully do the same. Single mum with no computer etc so sorting all the paperwork and explaining as we go along. Old Barclaycard debt apparently sold to Avarto then Moorcroft - no letters of assignment but both blood suckers chased the debt claiming they owned it. Dec 21 received a letter of assignment from Barclaycard stating sold to LC Assets - No letters from LC May 22 received a letter of assignment from LC Assets stating sold to Link - No further letters Sept 22 received Court papers from NCC with the claimant being LC Assets Now she has only ever had a notice of default from Barclaycard with nothing other than stated from the others. I have created a MCOL account with her and notified that we intend to defend all of the claim. Now just about to send off a CCA request to LC Asset ( Does it matter the address on the claim form is in Luxembourg? ) Now was going to send a CPR31 off to Kearns Solicitors but noticed my debt was under 10k but hers is as follows:- Amount claimed - £9500 Court fees - £455 Legal costs - £100 Therefore the total amount is over the 10k mark for the small claims track, therefore what form should i send to the solicitors? Thank you in advance for any help you provide Ok sorry guys I have found the original form in the Library, so i just delete this section then? Although your claim is for a sum which is not more than £10,000.00 and will in all likelihood be allocated to the small claims track for determination upon my delivering a defence, at this moment in time I have not delivered my defence and the case has not been allocated to a track. In consequence the provisions of CPR 27(2) are of no effect and you should not seek to avoid compliance with your CPR 31 duties by claiming otherwise]#

I will wait until I have something in writing from the courts, will call tomorrow then post up and hopefully this can then be moved to th e success thread

Update Still nothing in the post or on MCOL, I assume with no reply to my defence it is now stayed?

Another update, Still nothing, I assume they have 28 days + 10 to respond from the court sending them the documents? So if I got my letter from the court for my defence on the 8th jan that will be a cut off point on the 15th Feb?

Update Received a standard letter from the Court today acknowledging receipt of my defence dated 28-01-20 Usual 28 day period for claimant to reply

Ok so this is the defence I filed today What is the claim for – 1.By an agreement between Bank of Scotland and the defendant on or around 15/12/2008 (the agreement) Bank Of Scotland agreed to loan the defendant monies. 2.The defendant did not pay the instalments as they fell due & the agreement was terminated. 3.The agreement was assigned to the claimant. The claimant therefore claims 1. 4660.00 2. Costs Proposed Defence. 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. 1. Paragraph 1 is noted. I have, in the past had financial arrangements with Bank of Scotland, however I do not recall the exact details or am I aware of any outstanding balance. I have requested the claimant verify the details of this claim by way of a CPR 31.14. The claimant has failed to comply. 2. Paragraph 2.The Claimant alleges that I the Defendant did not pay the instalments as they fell due. The claimant is put to strict proof to evidence such breach by way of a Default Notice pursuant to CCA1974 section 87 (1) 3. Paragraph 3 is denied. I am unaware of any legal assignment or Notice of Assignment allegedly served pursuant to the Law of Property Act and Section 82A of the Act 1974. The Claimant has yet to provide a copy of the Notice of Assignment its claim relies upon. 4. On the 17th December 2019 I made a legal request by way of a section 77 request to the Claimant. The Claimant has failed to comply and therefore is in default of this request and as such unable to request any relief until compliance. 5. Therefore the Claimant is put to strict proof to: (a) show how the Defendant has entered into an agreement; and (b) show and evidence the breach and service of a Default Notice; (c) show how the Defendant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim. 6. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed 7. By reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.

Right a few extra bits of information, I set up my £1 standing order to original creditor (Bank of Scotland) way back on 12/11/2009, this ran until sometime in 2017. At no point did I swap to whom this was being paid. Now if Cabot purchased this alleged debt on 24/06/2013 is this alleged debt not statute barred seeing as I have made no contact or payment to them ever? Secondly and I hope this is a smoking gun I have received within the Mortimer Clark bundle a copy of all my alleged payments to Cabot from 12-04-2013 till 12/12/2018, firstly in the two columns marked Debits and then Credits it shows a £1 payment for each month, but every now and again whoever typed this up has put the £1 in the wrong column and is showing it as a debt not a credit, furthermore it shows an adjustment figure of £50 in the credit section. Then 7 month later a transfer of £50 into the credit column too? Thirdly and I really hope this is good I have a statement of account from Cabot dated 07-02-2016 listing all the alleged £1 payments from 19-02-2015 until 18-01-2016. Now having looked through all 16 alleged payment NONE of them tie in date wise with the Mortimer Clark documents from Cabot ! Hope all this makes sense? If not I can scan in and post up a PDF

There is no account number in the POC, I wrote verbatim. There however is the correct original Bank of Scotland account number in the letters Mortimer Clark sent me before the Claim. Thank you Andy I shall edit mine to suit the similar one from this.

Thanks Andy Good job I didn't manage to get to the post office today !

I shall do that tomorrow and send off with proof of posting, do you think I should bother with a short covering letter? Again thank you for all your amazing help, another donation is on its way later in the month. Just need to sort the other blood suckers out now from my other thread !

Would have to PDF a screenshot though as nothing to download would that be ok ? Ha, yes I would love to see their faces but assume the workers are just everyday people on minimum wage that don't give a sh.....t? To be fair I assumed it odd I have not received anything in writing from the courts? Thought they would send something like this out?