I came home to a letter from Moneyclaimonline today, the instigator being Moriarty Law on behalf of Utility Warehouse. They contacted me about a year ago for a debt they claimed I owed in 2014, during the phone call I asked them to provide me with proof of the debt which was never supplied plus this does not show up on my credit file with Experian to date (I checked today). How this happened, if relevant is I needed an EPC for my home, the surveyor pressured me into consolidating my utility bills which I wasn't keen on but they kept telling me I was under no obligation and could always say no at the end.... which I did. convinced me to take out the gas / elec / internet / phone but when my mobile came in the redemption fee put me out of pocket and UW wouldn't cover it so I had a huge mess but managed to sort it out. After this I lost faith in the UW and requested to cancel the service with them, they were awkward to I went straight to my old utilities who transfered the services back. I wasn't aware of any outstanding debt, I believed my old company had figured this out. So I'm concerned I have a small claim's court form to complete, potential damage to my credit file but no default on my account to date. Any advice please?

Hi, This is my first time on this forum, so please excuse me if i've posted in the wrong forum. I received a letter from Moriarty Law today(attached) claiming that they are acting on behalf of Utility Warehouse recovering a debt of £3093.15 dated from 22/10/2013. I have moved around a lot in the last few years but have been at my current address for over 2 years yet this is the first I have heard from them. I have absolutely no idea where the debt of £3,000 has come from, I was renting a house with my friend back in 2013 and Utility Warehouse were our energy suppliers (all bills were in my name as it was easier) I have checked my emails and my bank statements, I can find a payment to Utility warehouse in March 2014 for £150 but nothing else. I should also mention, the property that this relates to, we only lived there for six months until April 2014 and then both moved in with our parents. In regards to the letter, I have been working really hard on getting out of debt over the last few years and recently took out a debt consolidation loan with the aim of getting the last few things I owe, paid off, my credit score has only recently recovered after a few family members went rogue with my credit score when I turned 18. I cant afford to have a CCJ on my credit file. What should I do? I cant see how we could have racked up a £3000 debt in the six months of living in a 2 bedroom flat. I cant see anything from UW on my noddle report either. Do I write back to Moriaty law? Any help is massively appreciated.

Lantern DRS Limited (Formerly MMF) Date of issue – 11 JUN 2018. Date of issue 11 + 19 days ( 5 day for service + 14 days to acknowledge) = 29 Jun 2018 + 14 days to submit defence = 13 Jul 2018 (33 days in total) Particulars of Claim What is the claim for – the reason they have issued the claim? 1.the defendant owes the claimant £550.00 under a regulated loan agreement with cfo lending ltd dated 02/08/2013 which was assigned to the claimant on 25/08/2017 and notice of which was given to the defendant on the 25/08/2017 (debt). 2.despite the formal depend for payment of the debt the defendant has failed to pay and the claimant claims £550.00 and further claims interest thereon pursuant to section 69 of the county court act 1984 limited to one year to the date hereof at the rate 8.00% per annum amounting to £44.00 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol)? NO What is the value of the claim? £594 + COURT FEE £60 + LEGAL FEE £70 = £724 Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? PAY DAY LOAN When did you enter into the original agreement before or after April 2007? AFTER 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 Default sums” – at least once a year? NO Why did you cease payments? Unknown Debt, I had a number of pay day loans around 2012/13/14 and as far as I was aware they had all been paid off in full. This has never shown up on any credit report as a missed payment or default. What was the date of your last payment? UNKNOWN Was there a dispute with the original creditor that remains unresolved? CFO WENT INTO ADMINISTRATION Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? NO Hi Guys, I have had a court claim letter through the post. I have been onto the MCOL site and completed the AOS steps. I have also just written out the CPR request and CCA request that will go in the post Recorded Delivery tomorrow. As mentioned above I am not aware that I owe any monies to CFO lending as I paid all my loans as far as I am aware. I also vaguely remember my account getting a redress from CFO in the tune of £650+ which is more than what they are claiming I owe. Any help would be much appreciated

uncle buck/moriaty law (the claimants) served me with an N279 notice of discontinuance in February which i thought was the end but today uncle buck have gave me the usual threats about what will happen if i dont pay... yep you guessed it!! court action.. i am wondering why they discontinued in the first place. best regards

Hi all, new to the forums but a familiar problem. It appears to be for a loan in 2013. Apparently its going to court 14 days from the date of the letter (29/12/17 dated) leaving me short of time. There is no mention of it on my credit file at all. I do not want to contact either company without first knowing the best way to do so. I also don't want a CCJ. I tried to upload the letter but the function isnt working for me. Any further information required?

Name of the Claimant ? motormile finanace u ltd Date of issue – 22 nov 2017. What is the claim for – 1. the defendent owes the claimant £200 under a regulated loan agreement with ariste holding ltd t/s cash genie dated 16/06/14 and which was assigned to the claimant on 27/04/2016 and notice of which was given to the defendant on the 27/04/2016 (debt) 2.Despite formal demand for payment of the debt the defendent has failed to pay 3.and the claimant claims £200 and further claims interest thereon persuant to the section 69 of the county court act 1984 limited to one year to the date hereof at the rate of 8.00% per annum amounting to £16 What is the value of the claim? £300 rounded figure Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? PDL When did you enter into the original agreement before or after 2007? after 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 Default sums” – at least once a year ? no Why did you cease payments? no knowledge of debt What was the date of your last payment? not applicable Was there a dispute with the original creditor that remains unresolved? Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? no, first I knew of the debt was a letter from Moriarty law 2 weeks ago.. I sent them the prove letter via email to their official email address and got no response Hi, I received a county court claims form this morning for an alleged payday loan debt... The OC was Cash Genie, the claimant Motormile Finance and the solicitors are Moriarty Law.... .I did take out a couple of payday loans back in 2013, but have no genuine knowledge of this one..... ....I received an LBA (or what I thought is one) from Moriarty Law a couple of weeks ago, I emailed them the 'no knowledge of debt/prove it' letters but received no response from them until the claim for arrived this morning. .....I'll acknowledge later on today and will be defending all

Hi, so like many over the past few months I'm new to this site and have received a letter from Moriaty Law stating that I owe £877.55 from a loan I took out with Quick Quid back in May 2012. As I'm already paying one debt off with Moriaty I contacted them straight away and questioned it. I probably should have posted about this earlier before taking any action, but here's what's happened so far: I've asked them to provide all/any documentation they can in regards to the load as I genuinely don't remember taking it out. There's a fair chance I did as but I'd like to see proof first. They said it was a fair request and will begin to request the documentation. They then stated that I did, in fact, pay £105.50 off the loan two weeks after taking it out (probably first pay day after getting it). They then said that MMF are willing to accept £700 as a settlement. I've tried to gaina ccess to my old email address used at the time but with no avail. I'm also using a different bank account now so have no way of checking on receiving the load or making the payment. Usually I would just begin to pay the load as I know it's my mess and I have to deal with it, but this one sounds a little suspicious after not hearing about it for years. And I also know what has happened with MMF and read multiple articles stating that £0.5 million has been written off due to unfair practices. Any advice as to what I should do next or when I receive the paperwork would be of great help.

hi to all im a new user on here and need some advice please! here is a brief description on the matter back in 2013 i signed up with talk talk for phone bb and tv services, after approx 3/4 weeks of no services i rang them up and told them i would like to cancel the contract as they had not provided me what im paying for. after numerous phone calls about the above issues talk talk said the contract would be cancelled and that would be the end of the matter there would be no charges due to early termination of contract etc. although i never received anything in writing from them i left it as the matter was delt with. fast forward to two days ago and i got a claim form from Moriarty law working on behalf of jc international acquisition. they are claiming £572 for non payment of agreement from talk talk I'm confused about this as i was under the impression it had been sorted years back!. i have sent a reply to the court with a acknowledgement of service i can get some information about this as i intend to fully dispute this. how do i get information about this old account ? any letters that was sent to me , phone calls ?? how do i file a defence for the court I'm confused by all the info on this if anybody could help id be so grateful many thanks for your help

Name of the Claimant ? Uncle Buck Finance LLP Date of issue – 19 JUL 2017 Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total) - What is the claim for – the reason they have issued the claim? The defendant owes the claimaint £864.00 under a regulated loan agreement with Uncle Buck Finance LLP dated 12/10/2015 (debt) despite formal demand for payment of the debt the defendant has failed to pay and the claimant claims £800.00 and further claims interest thereon pursuant to section 69 of the county court act 1984 limited to one year to the date hereof at the rate of 8.00% per annum amounting to £64.00 What is the value of the claim? £995 Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? PDL When did you enter into the original agreement before or after 2007? after 2007 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. Original Creditor 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 Default sums" – at least once a year ? Not sure Why did you cease payments? rent increase meant I couldn't pay What was the date of your last payment? can't remember 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

Hello, I've received a claim form about an alleged outstanding debt with TalkTalk from 2011. I 've been online and acknowledged receipt saying I intend to defend the claim as I have never received any correspondence about it nor is there anything on my credit file that includes and account. I was in the process of writing a CPR 34.14 after seeing all the advice on here and I noticed the address for JC International (the claimant) is in the US - do I send the letter there or is there somewhere else it should be going? Just concerned about claims they never received it and it may also take a while to get there. Thanks in advance for any advice!