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    • I have completed answers as noted above.   Name of the Claimant ?  IDEM Capital Securities Limited Date of issue – 12 Nov 2019   What is the claim for – the reason they have issued the claim? a)      A credit card agreement made between MBNA Europe Bank Limited and the cardholder b)     Claimant purchased the balance on the account on xx/2016 c)      Cardholder accrued balance £5500 d)     Cardholder defaulted on payments e)      Claimant issued formal demand requesting payment on xx/2019 f)       Amount now due £ 5500 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? No Did you inform the claimant of your change of address? n/a What is the total value of the claim? £6000 (now including fees) Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account?  Credit Card Do you recall how you entered into the agreement...On line /In branch/By post ? By post When did you enter into the original agreement before or after April 2007 ? July 1995 Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? Yes 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 -though I am unable to find a copy Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ?  Unsure Why did you cease payments? Advised to as there was no enforceable CCA What was the date of your last payment? Feb 2019 Was there a dispute with the original creditor that remains unresolved?  Unsure Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan?  Originally informed MBNA that we were in difficulty and arranged a payment plan with them, they later sold the debt to Britannia Sarl (?) and we continued with the same payments, this was then sold to Moorcroft and we again continued the same payments. At some point later we contacted Moorcroft to advise our circumstances had changed and we offered a lower payment.  We were asked for income and expenses which we didn’t provide as we had contacted a debt help organisation who helped us work out what we could afford, however we did receive a letter on another debt at the same time accepting a lower payment (the circumstances were exactly the same – MBNA debt, sold to Britannia, sold onto Moorcroft) We continued with the lower payments.  In the last year we discovered that all our other debts were no longer showing on our credit files but this one was showing as continual defaults month on month. We contacted IDEM to ask why and they said the previous DCA hadn’t agreed to the lower payment and therefore we were continuing to default. At this point I sought advice from CAG and they advised me to ask for the CCA. I received a photocopy of the original application form and a page of Terms and Conditions that I was advised by CAG were not a CCA and I should stop paying.   I further received a pre-action protocol which I completed and returned and in response I received a notice of assignment, account statement and default notice  as I had requested, but they ignored the fact that I said they had provided an unenforceable CCA.
    • Just to update no reply from Marston regarding letter no further visit as yet.    
    • said that many times already.   time to move on me thinks   dx
    • With regards to this county court claim by Lowell...my response was none... you asked what effect would BT not responding to SAR request have on this court claim...none.   If you wish to instigate court action against BT for none compliance to your request that is an entirely separate issue which is unconnected to this claim. If you cant get any information from BT with regards documentation then its a pretty good bet neither can Lowell to support their claim...but it does not stop you inferring to a dispute with the original owner of the debt as to why the debt shouldn't have been assigned and why the CCJ should be set a side. 
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lozzzy

Payday loans. How did you solve them? **

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dont worry too much about bcw.. it'll take them ages to add charges on.. they'll have frozen the debt anyway.. i THINK....

 

pay off your cards and overdrafts, anything that charges you interest..

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Hi,

 

I'm trying to set up payment plans with a number of payday loans but I am having trouble finding the bank details. Could someone please message me if they have any of the following bank details:

Payday UK (MEM Consumer finance)

Pounds till payday

Swift Money

Uncle Buck

Wageday advance

Payday Express

Early payday

 

I've sent them all a letter offering a £50 payment plan over 6 months but by the sounds of this forum they won't make it easy!!

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Hi Lucy,

I've got some for you:

EPDL - Barclays Bank - 20.97.58 - 23985261

Wageday - Barclays Bank - 20-45-14 - 90931772

Payday Express - Barclays - 20.24.61 - 30066850

Payday UK - Barclays - 20.77.67 - 70610534

Weird that they all bank with Barclays isnt it?

:confused:

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Wow! That's brilliant! Thank you very much! I suspect quite a lot of them are the same company. I found that when I applied for a number of loans they all turned out have some connection with Wageday advance...

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No Problem Lucy,

 

Im also waiting to hear from Punds till Payday but i think they are to pass my details to Clarity shortly...

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They've replied to me saying they will only talk to me on the phone but I don't fancy being yelled at so I'm not going to call them! I have their bank details at home if you want them? I'm just going to pay them the money I've promised and ignore any communication. What happened when you defaulted? Did they try and take the money anyway? There seem to be so many horror stories online about them taking money even when you cancel cards and direct debits that I'm trying to open a new account and close the old one!

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Lucy check my thread Payday Loan Mess!!!!

 

I 've been through it all, so i closed my bank account and opened a new one....

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Sorry to hyjack this thread does anyone have the bank details for quickquid i'm trying to mak payments to them also they are making it difficult

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They've replied to me saying they will only talk to me on the phone but I don't fancy being yelled at so I'm not going to call them! I have their bank details at home if you want them? I'm just going to pay them the money I've promised and ignore any communication. What happened when you defaulted? Did they try and take the money anyway? There seem to be so many horror stories online about them taking money even when you cancel cards and direct debits that I'm trying to open a new account and close the old one!

 

 

Hi Lucy, I wrote to all of mine including Payday Loans and Money Shop telling them that I needed everything done via letter and email for my records and they stopped ringing when I didn't answer.

 

I also opened a new bank account and then offered payment, also all sorted now (see other posts)

 

Good luck

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