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Uncle Bucks/1st Stop Recoveries Claim


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Hi Guys

 

I am in the same situation as you Bailey, so sorry to admit this folks but got in a bad situation with Uncle Bucks in late 2014 culminating in one I could not pay and 1st Stop Recoveries have also now sent me a Court Claim which I am also defending. I have sent CPR and CCA requests and will defend this plus submitting a claim to Uncle bucks regarding the facts that they did not carry out full affordability or credit checks.also allowed me 5 loans over 5 months. When I rang them in month 4 to try and decrease the payments, they suggested I just repay the loan and take another one out the same day! Is this familiar.Have you had a series of loans from them?

 

Actually, in my years on CAG it is very rare for Payday Lenders to take Legal Action, they normally just harass people.

 

Anything else I can to do to help on this Bailey, I will do

Edited by Andyorch
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I feel that I have to post this as I am being harassed by this crew and so are others on this forum, I appreciate your help:

 

Name of the Claimant ? 1st Stop Credit Recoveries Ltd

Date of issue – 22nd Feb 2016

I believe that defence needs to be submitted by 25th march by 4pm - note new date - dx

What is the claim for –

 

1. 1st Stop Recoveries Ltd claim this amount in respect of an unpaid loan funded by Uncle Buck Ltd.

The defendant failed to abide by the terms of the contract.

1st Stop Recoveries purchased this debt from Uncle Buck

and subsequently sent a notice of assignment of assignment to advise.

2.The defendant has failed to respond to any correspondence or Communication from the claimant

thus denying the Claimant any opportunity in assisting the Defendant

in attempting to bring the matter to an amicable conclusion.

 

What is the value of the claim? £902 plus fees

 

Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Payday loan

When did you enter into the original agreement before or after 2007? After

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. 1st Stop Credit

 

Were you aware the account had been assigned – did you receive a Notice of Assignment? No

Did you receive a Default Notice from the original creditor? No

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

Why did you cease payments?

October 2014 I could not afford it

and was advised by an advice worker for my landlord (council housing)

to cease payment due to rent difficulties

 

What was the date of your last payment? None but 5 previous loans replayed to this lender

Was there a dispute with the original creditor that remains unresolved?

Not sure, I am making a claim as the lending was not properly assessed.

Did you communicate any financial problems to the original creditor

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

Yes, the response was to repay and they would relend on the next day.

 

 

If you have not already done so – send a CCA Request to the claimant for a copy of your agreement - Done

 

Send a CPR31.14 request to the solicitor named on the claim form for copies of documents mentioned/implied within the claim form. There are two different versions - one for Loans/Credit cards the other for Current accounts- Done to claimant, no solicitors

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Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementicon plan? Yes, the response was to repay and they would relend on the next day.

 

Wow...so they told you to repay and that once repaid they will relend you another amount immediately??? Despite you telling them about your financial difficulties.

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Yes that is correct

At your Service

 

Please Double click the Star and leave a message if I have helped you

 

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lots of previous claims here for you to follow

rather than posting on various other like claims

with what is p'haps not the best route to take for you and others.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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