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    • In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us] 1 defendant   Which Court have you received the claim from ? County Court Business Centre, Northampton   Name of the Claimant ? LC Asset 2 S.A R.L   Date of issue – . 28/04/23   Particulars of Claim   What is the claim for –    (1) The Claimant ('C') claims the whole of the outstanding balance due and payable under an agreement referenced xxxxxxxxxxxxxxxx and opened effective from xx/xx/2017. The agreement is regulated by the Consumer Credit Act 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 xx/xx/2022 a default was recorded.   (3) As at xx/xx/2022 the Defendant owed MBNA LTD the sum of 12,xxx.xx. By an agreement in writing the benefit of the debt has been legally assigned to C effective xx/xx/2022 and made regular upon C serving a Notice of Assignment upon D shortly thereafter.   (4) And C claims- 1. 12,xxx.xx 2. Interest pursuant to Section 69 County Courts Act 1984 at a rate of 8% per annum from xx/01/2023 to xx/04/2023 of 2xx.xx and thereafter at a daily rate of 2.52 to date of judgement or sooner payment. Date xx/xx/2023   What is the total value of the claim? 12k   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 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 ? Online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes, but amount differs slightly   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. DP issued claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I recall...   Did you receive a Default Notice from the original creditor? Not that I recall...   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Loss of employment main cause   What was the date of your last payment? Early 2021   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 CAG Team, I'm adding the contents of the claim to this thread, but wanted to open the thread with an urgent question: Do I have to supply a WS for a claim with a court date that states " at the hearing the court will consider allocation and, time permitting, give an early neutral evaluation of the case" ? letter is an N24 General Form of Judgement or Order, if so, then I've messed up again. Court date 25 May 2024 The letter from court does not state (like the other claims I have) that I must provide WS within 28 days.. BUT I have recently received a WS from Link for it! making me think I do need to!??
    • Massive issues from Scottish Power I wonder if someone could advise next steps. Tennant moved out I changed the electric into my name I was out the country at the time so I hadn't been to the flat. During sign up process they tried to hijack my gas supply as well which I made it clear I didn't want duel fuel from them but they still went ahead with it. Phoned them up again. a few days later telling them to make sure they stopped it but they said too late ? had to get my current supplier to cancel it. Paid £50 online to ensure there was money covering standing charges etc eventually got to the flat no power. Phoned Scottish Power 40 minutes to get through they state I have a pay as you go meter and that they had set me up on a credit account so they need to send an engineer out which they will pass my details onto. Phone called from engineer asking questions , found out the float is vacant so not an emergency so I have to speak to Scottish Power again. Spoke with the original person from Scottish Power who admitted a mistake (I had told her it was vacant) and now states that it will take 4 weeks to get an appointment but if I want to raise a complaint they will contact me in 48 hours and it will be looked at quicker. Raised a complaint , complaints emailed me within 24 hours to say it will take 7 days till he speaks with me. All I want is power in the property would I be better switching over to EON who supply the gas surely they could sort it out quicker? One thing is for sure I will never bother with Scottish Power ever again.    
    • Hi. Please don't follow McD's advice to contact Met to appeal. They won't listen and you could end up giving them helpful information. HB
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Landlord needs help. Tenants not paying rent and claiming deposit via s.214


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I rent a Bungalow to Lithuanian Family in Southampton. They have rented since June 2009, paying on time with the last rent of £850 received in December 2009. AST until June 2010.

 

I was informed Police had placed the Wife and 2 children placed in sheltered housing for their protection in January 2010. Shocked at this I met the Husband, who was threatening towards me and demanded I return the deposit of £850, which I explained was protected and I would place the AST now with Property letting agents.

 

Agent visited the property and informed me the Wife and children have returned. Now tenants not paying rent and tried refuse to deal with agent. Tenant paid £20 into my bank account, I returned saying this was wrong, rent must be paid to Agents and is £850. 2 months in arrears, so Agent issued s.21 and s.8, charging me £100 as no 10% from rent as rent not paid.

 

Tenant said, guttering need cleaned, wanted copy buildings insurance, copy electrical certificate and basically trying to raise complaints on the property. But I have give all certificates again and the property is in good order. The tenant is just trying it on.

 

Now the tenants have sent me Southampton County Court claim CPR 8 to claim x 3 deposit and deposit being £3,400 and court cost is paid to him under s214.

 

I am shocked at this. I gave a stand alone tenancy deposit document issuing details of my deposits.co.uk scheme that I was using was using to protect the deposit of £850 on 12/05/09 and AST signed and provided. I then fell ill and it took a few weeks for me to feel better and immediately I was better I transferred the money from the bank to my deposits.co.uk, recording on 17 July 2009. Tenancy started 15 June 2009. I subsequently informed my deposits and paid another fee to get the form to show the correct date of receipt being 12 May as per signed paper tenancy deposit paperwork as I used a Law Pack tenancy deposit paperwork and AST.

 

My understanding is since the Draycott v Hannells lettings Ltd case because I gave paperwork and a letter dated 12 May 2009 the day I received the deposit then subsequently felt fit enough to place with my deposits. Co.uk I have met the rules of s214(3) being the deposit is protected, so how can a judgement be made to protect the deposit when it already is protected, thus s214(4) request for x 3 payment of rent as a penalty to the landlord is not applicable.

 

I hope this is the case as the tenants are coursing me severe stress and I am paying a £900 mortgage for them to live rent free, which is stealing then if they claimed £3,400 being x 3 deposit, plus costs, how can that be fair?

 

Could any legal adviser give their input on this please ASAP as I have to reply within 14 days of 19/02/10. On the part acknowledgment of service (part 8 claim) document, which part do I complete, on parts A to E?

Thank you very much.

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