Notice of Assignment received 5 years after debt sold Citicard

[Duffers Mum]

That's good! Means it will be SB in just a few months then,rather than it being a few months longer!

[AndyOrch]

[Duffers Mum]

Just when I thought they'd got the hint,

 

I have today received a letter from Connaught saying they have passed my account onto their solicitors Judge & Priestley.

 

From my records this becomes statute barred at beginning of August,

 

really don't want them taking me to court so near to that date..

 

any ideas what I should do?

 

Quite confident that what they have sent me is not the correct t&cs

 

but may need to get a copy in order to cover myself...

[dx100uk]

J&P

not seen then in court in years...

 

threat-o-grams to follow.

 

dx

[dx100uk]

don't forget conault are 1st credit are J&P

so all in all just another trick to make you panic

 

dx

[Duffers Mum]

Thanks..I will ignore for now..another question how do I delete messages in my sent box on an iPad, I need to reply to someone and it's saying i have too many!

[dx100uk]

no idea on the ipad

 

do it on a pc in the notifications tab

 

dx

[theoldrouge]

no idea on the ipad

 

do it on a pc in the notifications tab

 

dx

switch to full version of site?? on ipad

[Duffers Mum]

Thanks have done it on the laptop!

[citizenB]

Just when I thought they'd got the hint,

 

I have today received a letter from Connaught saying they have passed my account onto their solicitors Judge & Priestley.

 

From my records this becomes statute barred at beginning of August,

 

really don't want them taking me to court so near to that date..

 

any ideas what I should do?

 

Quite confident that what they have sent me is not the correct t&cs

 

but may need to get a copy in order to cover myself...

 

Is this the same account that the Stat Demand was issued on ?

[Duffers Mum]

Yes it is...really thought it had gone away but no such luck!

[Duffers Mum]

I will post when I get the letter from the "solicitors" so I can get an idea of how to respond..the one I received today from Connaught said they are disappointed I haven't responded to them despite their letters and telephone calls! They haven't called me they don't have my number and they only sent a couple of letters....

[BRIGADIER2JCS]

I will post when I get the letter from the "solicitors" so I can get an idea of how to respond..the one I received today from Connaught said they are disappointed I haven't responded to them despite their letters and telephone calls! They haven't called me they don't have my number and they only sent a couple of letters....

 

 

Judge & Priestly of Bromley Kent, all though not actually part of 1st Credit have had a long association with them.

 

 

Dealing with them in the past and attempting to speak to a "a solicitor" was an impossible task,.

1st Credit at the time has an in house legal department head by a solicitor not registered with the SRA as "principal solicitor" and 1 paralegal who then passed on cases to J & P.

 

 

Then they disappeared of the scene until recently.

[Duffers Mum]

Wish they would disappear of my scene

[BRIGADIER2JCS]

Wish they would disappear of my scene

 

 

J & P used to love sending threatening letters but when challenged referred everything back to 1st Credit.

[Duffers Mum]

That has given me a little bit of hope..I'm sure once I advise them the statutory demand was set aside and costs awarded to me because their paperwork was not correct they might do the same..fingers crossed

[Duffers Mum]

I am obviously expecting some form of communication from judge and priestly. Should I respond or just ignore in the first instance?

[BRIGADIER2JCS]

I am obviously expecting some form of communication from judge and priestly. Should I respond or just ignore in the first instance?

 

 

Much will depend on the content of any letter from J&P in the past it was often on the line of " recommending court action to their client" often files passed back to 1st Cruds legal department (1 paralegal and an absentee " principal solicitor" !)

 

 

Certainly do not attempt to converse with J&P by phone I tried the a few times in the past when assisting others with cases assigned to J&P for "legal action".

 

 

You may get a letter listing what MAY happen IF they get a judgement.

 

 

All the usual we may apply of an attachment of earnings order.

We May instruct bailiffs etc.,

We May refer the matter back to our client for a doorstep visit.

 

 

All the major threats and then referred back for the last one.

[Duffers Mum]

Ok..would now be a good time to do a SAR to the original creditor? Would that buy me time or would that admit liability? Just thinking as it's only a couple,of months until it's SB.

[BRIGADIER2JCS]

Ok..would now be a good time to do a SAR to the original creditor? Would that buy me time or would that admit liability? Just thinking as it's only a couple,of months until it's SB.

Yes certainly send a SAR, if J&P make contact send a reply on the lines of:

 

 

I do not acknowledge any debt to your client. I have made a Subject Access Request to the Original Creditor to retrieve all data relating to the alleged debt, no further communication will be entered into until the data is received.

 

 

At the same time send CCA request to J&P.

[Duffers Mum]

I have already done a cca request and received about 3 different lots of t&c's..I'm pretty confident they are not correct and more alone the lines of a recon..so i guess it's pointless sending off another one,min was just going to tell them that my request remains outstanding because what they have sent is not correct..would that be correct?

[Duffers Mum]

Oh and I send the SAR to Citi financial? This won't reset the SB clock will it?

[BRIGADIER2JCS]

I have already done a cca request and received about 3 different lots of t&c's..I'm pretty confident they are not correct and more alone the lines of a recon..so i guess it's pointless sending off another one,min was just going to tell them that my request remains outstanding because what they have sent is not correct..would that be correct?

These "reconstituted" agreements must consist of:

 

 

Your name and address at the inception of the agreement.

The Creditors name and address at inception of the agreement.

True copies of the Ts & Cs at inception of the agreement

" " " " at closure of the agreement.

Any variations/amendments made during the life of the agreement.

Any other document mentioned in the Ts & Cs ( many card issuers refer to a "booklet" enclosed with the card at issue).

A current statement of the account.

 

 

All must be included and must have the original "financial" information.

 

 

If you believe that the "recons" are not compliant yes tell 1st Crud that you reject them non compliant.

 

 

If the card / agreement was prior to April 2007 they will need the actual original signed agreement to attempt to get and enforce a judgement.

[Duffers Mum]

It was definitely prior to 2007. If they had the original I guess they would have sent it

 

And I have told 1st credit on numerous occasions that it's non compliant but they just ignore this fact! Have done SAR will send off later..might just give me enough time to get to the SB date, well that and the non compliant agreement, no copy of original and a couple of other things which I haven't mentioned yet in case of prying eyes!

[BRIGADIER2JCS]

It was definitely prior to 2007. If they had the original I guess they would have sent it

 

And I have told 1st credit on numerous occasions that it's non compliant but they just ignore this fact! Have done SAR will send off later..might just give me enough time to get to the SB date, well that and the non compliant agreement, no copy of original and a couple of other things which I haven't mentioned yet in case of prying eyes!

Ok. I guess it's wait & see what J&P come up with and the results of the SAR.

 

 

If/when J&P write, you could mention the non compliant " recons".