Claimform Arrows/Drydens - Credit card 'debt'

[newlifeahead]

Can anyone help/advise me please?

 

 

I have severe anxiety and depression and this sudden out of nowhere scenario is taking me to the edge.

.. (I've had to increase my medication..)

 

I won't waffle about my life story..

., but it's a roller coaster one..

but I suppose aren't they all?

 

I have received a claim form from northampton county court.

 

 

The claimant is a DCA.

 

 

I have till 21/10/14 to decide what to do (including the 5 days after issue date). Today is 19/10/14.

 

 

The claim form seems real (blue with claim number top right and court symbol top left).

It is electronically signed by Solicitors.

 

I have checked my credit report and the default date is 5 years from being dropped off.

 

The amount is for £2000 and is a credit card.

But it looks like DCA has purchased it.

 

I am not a homeowner nor employed.

I have been homeless in past.

 

Is it too late to make a final settlement with debt agency/solicitor if I gave them 10%? (my sister has offered to help)

or has the county court process already started?

 

Should I just ignore?

But I don't wan't a CCJ marked on my credit file as trying to fix my life.

 

Should I challenge?

 

Any help, advice, guidance much much appreciated..

 

Again Thank You

Edited October 19, 2014 by newlifeahead

[dx100uk]

you DO NOT ignore it

 

 

please fill this out and post the results back here

 

 

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

[newlifeahead]

02 OCT 2014

1. The claim is for the sum of xxxx in respect of monies owing by the defendant on a credit agreement held by

defendant with Sainsbury Bank PLC under acount xxxxxx upon which defendant failed to maintain payments.

 

2. A default notice was served upon the defendant and has not been complied with.

 

3. By virtue of a sale agreement between Sainsbury Bank PLC and the claimant Cabot

the claim vested in the claimant who has a genuine commercial interest.

The defendant has been notified of the assignment by letter.

What is the value of the claim? A: £2,000

Is the claim for a current or credit/loan account or mobile phone account? A: Credit Card

When did you enter into the original agreement before or after 2007? A: Entered January 2007

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. A: Debt purchaser

Were you aware the account had been assigned – did you receive a Notice of Assignment? A: Don't know

Did you receive a Default Notice from the original creditor? A: Don't know

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? A: No

Why did you cease payments:- A: Loss of income

Was there a dispute with the original creditor that remains unresolved? A: No

Did you communicate any financial problems to the original creditor

and make any attempt to enter into a debt managementicon plan?

 

 

A: There was some DMP agreement made with 3rd party.

But have forgotten the details. This was approx 4 years back.

Edited October 19, 2014 by newlifeahead

[dx100uk]

claimforn date top right please too

 

 

and name names no need to hide now

 

 

dx

[newlifeahead]

Hello

 

Claimant: Global Arrow Ltd

Solicitor acting on behalf of claimant: Drysdens Fairfax

Edited October 19, 2014 by newlifeahead

[newlifeahead]

Hello sorry to bother again...

 

What do you think I should do?

 

a) A chance to defend

b) Too late to submit a final settlement directly to claimant (the ccj process already started) on monday morning

 

I have one working day left of service days window.......

[dx100uk]

what/who was the original debt please with

[dx100uk]

yes you must ACK the claim - defend all-

 

 

regardless on MCOL.

 

 

else you'll get a CCJ by default.

 

 

goto MCOL site

 

 

create a registration

note the long number.

 

 

then log in using that

 

 

enter the required details from the claim

select AOS.

 

 

comeback when done

 

 

you need to get a CCA request off to cabot ASAP

 

 

and a CPR 31:14 off to drydens in the library tab [top left] then legal section.

[newlifeahead]

Hello

 

It's asking for intention

a) Defend all

b) Defend part

Seperately asks, contest jurisdiction.

 

What do I choose at this stage?

 

Advance Thanks

[newlifeahead]

Sorry. Sorry. Ignore last post. I misread your reply.

[dx100uk]

don't tick juris

when done simple exit mcol

you should get an ack msg copy it somewhere as proof of AOS

 

 

dx

[dx100uk]

who was the card with

 

 

dx

[newlifeahead]

Hello

 

Sainsbury Bank PLC

[newlifeahead]

Hello

 

How many days do I have now? Issue date on form is 03/10/14. I've put acknowledgment through 19/10/14 to defend all.

 

Also, do I have to inform the courts of anything in meantime?

 

With the information given, do I have a chance with CCA and CPR 31:14?

 

Ay link to letter templates?

 

Many Thanks

[dx100uk]

post 8 click the CCA link

 

 

cpr is in the library section

 

 

you have informed the court via AOS

 

 

you should get an ack of that being done

[newlifeahead]

Much Appreciation for all this..... seriously

[newlifeahead]

Hello

 

Same situation.

 

Which letters did you send off for defence?

 

What have the courts done in meantime? With the original claim? Set aside / thrown out? Still live?

[dx100uk]

can you go get your credit file please

 

 

and tell us the details of the debt from there too

 

 

noddle [below] is free.

 

 

dx

[AndyOrch]

Can they roll all debts into one on a single ccj claim? Yes

 

Shouldn't it be for individual debts?

No

 

Andy

[oleg]

Hello

 

Same situation.

 

Which letters did you send off for defence?

 

What have the courts done in meantime? With the original claim? Set aside / thrown out? Still live?

 

Same situation, maybe same debt purchaser and solicitor too , but you will need to start your own thread please to get advice tailored to your own situation as the two cases will be bound to diverge.

[dx100uk]

posts from another thread moved here

 

 

dx

[newlifeahead]

Hello

 

I have located the CCA and CPR templates as instructed. I will complete them and print off. But I'm a bit stuck with the time frame of things...

 

My Issue date on claim form is: 2/10/14

I acknowledged claim/submitted defence online: 19/10/14

 

a) How much time do I have to file defence/communicate with DCA and solicitor?

b) Apparently 10 days are needed between each letter, as I'm pushed for time, can I still send letters? Will they be accepted?

c) Does the following for CCA letter affect me? "the timescale for providing this is 12+2 WORKING DAYS. If it is not sent within this timescale they are in default of your request."

d) How much time do I give them to respond?

 

Can they simply turn around and say did not give us enough time to look/respond?

 

Thanks

[dx100uk]

you must file your defence regardless by mon 3rd midnight

 

 

you still send off the CCA + CPR

 

 

cpr they don't have to respond too

CCA they do.

 

 

it should have been done when you got the claim form

 

 

but anyway send it off

you will prob still be filing the holding/no paperwork defence

regardless to the timescale of the CCA.

 

 

dx

[newlifeahead]

"you will prob still be filing the holding/no paperwork defence

regardless to the timescale of the CCA."

 

Would you say that is the likely route,

seeming that the alleged agreement started before April 2007

before the consumer credit act 2006 came into effect

where a signed agreement is needed to be shown before court.

 

Or am I jumping the gun here?.... 4 days non-stop research I think I'm getting there

 

Again Thank You

[dx100uk]

as said