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By disneygirl · Posted
hi dx yes I did receive a letter of claim. but the details shown below in bold are not contained within the l.o.c therefore is it a l.o.c under PAPDC? extract from PRE-ACTION PROTOCOL FOR DEBT CLAIMS 3 INITIAL INFORMATION TO BE PROVIDED BY THE CREDITOR 3.1 The creditor should send a Letter of Claim to the debtor before proceedings are started. The Letter of Claim should – (a) contain the following information – (i) the amount of the debt; (ii) whether interest or other charges are continuing (iii) where the debt arises from an oral agreement, who made the agreement, what was agreed (including, as far as possible, what words were used) and when and where it was agreed; (iv) where the debt arises from a written agreement, the date of the agreement, the parties to it and the fact that a copy of the written agreement can be requested from the creditor; (v) where the debt has been assigned, the details of the original debt and creditor, when it was assigned and to whom; -
Youll see there is another recent thread like your here today, outlining how to complain to the fos. It might be prudent to see what they do next however. Dx -
When a debt is sold you should always send a new cca request. I would send everyone you are blindly paying a new cca re instead of running the sb date to infinity. how long have you been with sterchange
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By Beingfleeced · Posted
Hi there. I finally have a response from Erudio regarding my complaint about this. I included scans of my completed deferment forms for this year and last year but they are saying they won’t accept them and that the debt is now with Capquest. I had a missed call from Capquest this evening (ignored it and blocked the number). They want me to set up a payment plan. Erudio say this is their final correspondence on the matter. I know not to engage with Capquest thanks to your advice but I wonder what your advice is for next steps with Erudio. Is this when I go to the financial ombudsman? Thanks so much. -
In post 1, it states the reason why you started this thread...you said you got a letter of claim? Dx
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