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    • Dear all, I am hoping for some advice/guidance on this matter. I received a LoC dated 12/04/24 and replied to this on the 2/05/24 disputing claim with the following reasons: 1: [Inadequate Affordability Assessment]: I contend that your institution failed to conduct a thorough assessment of my financial circumstances prior to approving the loan. As a result, the loan amount and repayment terms were not suitable for my income and financial situation. 2: [Unsustainable Repayments]: The repayment schedule imposed by the loan agreement placed an undue burden on my finances, making it impossible for me to meet my other financial obligations without experiencing significant hardship. 3: [Lack of Transparency]: Your institution did not adequately disclose the risks associated with the loan, including any potential increases in interest rates or fees over the loan term. I also added the following: Under the Consumer Credit Act 1974 and the Financial Conduct Authority (FCA) regulations, lenders have a legal obligation to conduct thorough affordability assessments and ensure that loan agreements are suitable for borrowers' circumstances. I hereby request that your institution: 1: Conduct a full investigation into my claim of irresponsible lending. 2: Provide me with copies of all documentation related to the loan application and approval process, including affordability assessments, credit checks, and correspondence. 3: Cease all collection activities related to the loan until this matter is resolved. Yesterday i received the attached reply via email and it included: 1: The Original Loan agreement 2: An account statement 3: A copy of a default notice letter. The email included a link for a direct debit set up page where you enter their reference and your bank account details (looks like a standard D/D set up page) but there is nothing to indicate the amount of the D/D that I might be agreeing to. I also think two days response time is not long enough to appropriately reply. Any thoughts appreciated   Email-compressed.pdf
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    • Hi London  he doesn’t have government gateway. Should we do it via post?
    • If you are helping a family member you are going to need their Government Gateway details in order to Log in to MCOL .
    • read upload use the stated online websites dx  
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Small Claims advice


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Wonder if anyone has specific legal knowledge of this:

 

I issued a small claims action via Money Claim online.

 

The date of issue was the 05/04/2011

 

According to MCOL the date of delivery is classed as 5 days after the date of issue.

 

Q1. Is this 5 days or 5 working days?

 

If it is 5 days, then date of delivery will be the 10/04/2011.

 

The recipient then has 14 days in which to respond,

and it appears that the response has to be received back at the court on day 14 at the latest

- this would make it the 25/04/2011.

 

Q2. IS the 14 days all days or only working days?

Q3. Is my calculation of 25/04/2011 the correct date?

 

Due to all the bank holidays I only checked progress of the claim today,

and find that the recipient has lodged a part admission,

which according to MCOL was lodged 04/05/2011.

Therefore this is 9 days later than supposed to have been lodged.

 

Q4. Do I have to accept this or can I still request judgement as their response was late?

 

Q5. can the court still progress this even though they were late.

 

thanks. hope someone can help

Edited by dx100uk
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If you haven't applied for judgment before a defence is filed then you lose the right to ask for judgment. This is why you should observe tie limits carefully and move quickly.

 

By part admission, I take it that there has been a partial defence. You should apply for judgment on the admitted part and ask for a hearing to be listed on the disputed remainder.

 

Get a copy of Patricia Pearl's book on County Court procedure but also start paying attention to deadlines. You are surrendering opportunities for no good reason

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Thanks for info BankFodder.

 

I haven't yet received the info from the court as to which elements they admitted and which they are disputing.

 

So guess I should wait for that info,

check through it and then request judgement.

 

Even if I had of requested judgement a few days ago on the deadline,

if they had of submitted the defence before judgment was actually made would their defence be ignored

or still taken into consideration if received by the court prior to them making judgement?

Edited by dx100uk
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As far as I am aware all "days" given with regard to response times, it is always "working days", which excludes weekend and all bank holidays.

Life is like an echo, it all returns......The good, the bad, the false, the true......So if you give life the best you have, the best will come back to you.

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Some further advise sought:

 

The defendant has filed a Notice of Part Admission and admitted to only part of my claim.

When I check the form that I now have to return I only have 2 choices

1. to NOT ACCEPT the defendants part admission

2. to accept the amount in satisfactrion of my claim

 

My claim was divided into 3 parts:

Part 1 - amount for outstanding invoices

Part 2 - amount for late payment of invoices

Part 3 - amount for breach of contract amount for early termination of contract i.e future invoices

 

I would like to accept the payment they are offering in full settlement of Part 1(same amount as Part 1) but would like to get a hearing on part 2 and 3 but this does not seem like an option. Is it possible to do this?

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  • 4 weeks later...

I would go to the court office and apply for judgment there.

On the application for judgment form - which you can download from the court service website, I would start off by saying that the defendant has admitted part of your claim and you wish to apply for judgment on that element and pursue your claim for the balance

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Hope someone can give advice:

 

I issued a claim using MoneyClaim online

 

The defendant responded with a partial acceptance and offered to pay only a partial amount of the full amount claimed by me

 

I returned the form to the Northamton County Court detailing that I did not accept the offer of partial payment

 

I have now received a form from Northampton County Court with 2 forms:

one transferring the claim to my local count court -N271

the second stating that the defendant has filed a defence - N152

 

My issue is with this second form

 

- it states:

the defendant has filed a defence, a copy of which is enclosed

but the part "a copy of which is enclosed" is crossed out and I have not received any information

on the defence the defendant is submitting

 

can this be correct?

surely I should be made aware of the exact defence the defendant has submitted?

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