claimform received

[Cricketmadmser]

Afternoon everyone

 

Just a quick one, if any one can help.

 

If an store card agreement is started 06/99 and I request a CCA, am I right in saying that the original agreement is required?

 

I'm probably wrong but any help would be much appreciated.

 

Many thanks

[dx100uk]

no you are right.

 

whats the issue

 

dx

[Cricketmadmser]

Thanks for the speedy response dx.

 

I have been sent Court Forms from Northampton.

 

The debt is £430 and is a store card.

 

The account was defaulted some fifty one months ago,

no payment has been made for several months prior to that.

 

I intend to use this as a defence as the CCA request did not materialise.

 

What do you think of that as a defence to return to the court?

 

Thanks in advance.

 

Cmmser

[dx100uk]

and you are overseas now?

 

dx

[dx100uk]

please fill this in:

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-April-2014**

[Cricketmadmser]

Thank you very much ex, very much appreciated.

 

I will fill in the form and report back. No, I'm not overseas now.

 

Thanks again for your help dx

 

Regards

 

Cmmser

[UKCA]

when did you make the last payment on the card? Do you live in Scotland/ England or Wales?

[Cricketmadmser]

when did you make the last payment on the card? Do you live in Scotland/ England or Wales?

 

Hiya.

 

Apologies for delay, haven't been feeling too well.

 

Last payment on card, prior to 06/10, this was the default date. I live in England

 

I will complete the form previously posted and post my answers.

 

Again, thanks for everyone's help. It's much appreciate.

[UKCA]

I know it can take ages for them to register a default but if your last payment was over 6 years ago the debt would be legally unenforceable.

[Cricketmadmser]

Morning all

 

These are the answers to the questions dx asked me for;

 

1) Lowell Portfolio

2) 04/06/14

3) claimants claim is for the sum of 490.

monies due from the Defendant under a Financial Services agreement

regulated by the Consumer Credit Act 1974 between the defendant (&&&)

and Ikano Financial services Ltd under ref (&&&&) and

 

assigned to the claimant on 04/09/12 notice of which has been given to the defendant.

 

 

The defendant failed to maintain the contractual payment under the terms of the agreement

and a default notice has been served and not complied with.

 

The claim also includes the statutory interest persuant to section 69 of the

County Courts Act 1984 at a rate of 8% per annum

( a daily rate of .09 from the date of the assignment of the agreement to the date of issue()

being an amount of 57.06. (The Claim Form has been signed by a named solicitor).

4) 490.17

5) IKEA Store Card

6) started 23/06/99

7) 04/09/12

8) Notice of Assignment was received

9) default notice received

10) notice of default sums received

11) ceased payments approx 12/09

 

Hope this is ok for you dx.

 

Thanks in advance for your help.

 

Cmmser

[Cricketmadmser]

Morning all

 

These are the answers to the questions dx asked me for;

 

1) Lowell Portfolio

2) 04/06/14

3) claimants claim is for the sum of 490.17being monies due from the Defendant under a Financial Services agreement regulated by the Consumer Credit Act 1974 between the defendant (&&&) and Ikano Financial services Ltd under ref (&&&&) and assigned to the claimant on 04/09/12 notice of which has been given to the defendant. The defendant failed to maintain the contractual payment under the terms of the agreement and a default notice has been served and not complied with. The claim also includes the statutory interest persuant to section 69 of the County Courts Act 1984 at a rate of 8% per annum ( a daily rate of .09 from the date of the assignment of the agreement to the date of issue() being an amount of 57.06. (The Claim Form has been signed by a named solicitor).

4) 490.17

5) IKEA Store Card

6) started 23/06/99

7) 04/09/12

8) Notice of Assignment was received

9) default notice received

10) notice of default sums received

11) ceased payments approx 12/09

 

Hope this is ok for you dx.

 

Thanks in advance for your help.

 

Cmmser[/QUOT

 

Think that the last payment was probably 4.5 years ago.

 

Thanks for the reply UKCA

 

Cmmser

[dx100uk]

who is the solicitor

 

dx