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    • ideally we like to get these fleecing DCA's on the hop when threatened with a set aside and N244 fee payment clawback , some do when confronted immediately do it FOC there and then. but as you've already phoned you might have tipped them off, but then you had no idea when you were talking about now you do.   your call   dob't forget also the damage done to your credit reputation by them raising the claim on an SB debt when they know they shouldn't.   just remember, if you read a good few erudio threads here, they only went for the CCJ as they knew they'd get a guaranteed backdoor one if you'd known about it and defended they would have run away as they always do on these SB'd SLC loan 
    • with regards the card, did you send hoist a CCA request? as for the defaulted date, if a creditor took several months from last payment date to register it, there is most certainly objections to that that can be made should they raise a court claim and these have been successful for us.   as for the OD, again if months or even years have been allowed to elapse before it gets a calling in notice, then again there are objections we've seen and used to very good effect.   send lloyds an SAR and prepared.   the OC would have defaulted these not the DCA debt buyer on or before sale.   where was the Letter of claim and was that simply for the Card debt.    
    • I have the last ever deferment acknowledgement letter from SL ever made and received if that helps.    Rather than call, would it be better in writing? I find them very intimidating on the phone and went to pieces last time after waiting in the queue so long.
    • yes all i know some court fees might be due ie they did take you to court , but it failed did it not..so..
    • Hi All,   My partner is being chased by Hoist/Robinson Way for a couple of old debts:   1. Lloyds credit card. 2. Lloyds student overdraft   RW claim proof of debt assignment was sent but nothing was received. We haven't seen any documentation showing the original agreement. We've asked for documentation showing when payments were made and when the last contact with Lloyds was, as I'm pretty sure these are statue-barred debts.   In regards to debt 1 above, the documentation showed that the last payment was November 2014. Nothing was paid since and there was no contact. RW are claiming, however, that the debt was marked as defaulted in 2017 by Lloyds therefore it's not statue-barred.   My understanding is that the limitation is based on "the earliest date the account could have defaulted, regardless of when the default notice was issued" but there seem to be differing opinions about this online. Apparently some creditors choose to delay defaulting a debt intentionally.  My question is - does Lloyds marking the account as defaulted in 2017, three years after the last payment was made, mean this debt is not statue-barred?   In regards to debt 2 RW have given us no documentation whatsoever, i.e., last payment or contact. They're still waiting on Lloyds apparently, yet they've logged both debts against her credit file; we queried this with Experian who said they'll speak with RW but ultimately they wouldn't be able to remove this information without feedback from RW. Interestingly enough, after raising an objection with Experian, both debts disappeared from her Experian records a couple of months ago, only to reappear a few days later.   If someone can clarify what impact Lloyds marking account as defaulted in 2017 rather than 2014 (when the last payment was made), that would be appreciated - does this mean the debt is not statue-barred? If you need further info or if there's a template I should fill out please let me know. Cohen sent a letter of claim on behalf of Hoist/RW in regards to County Court but not heard from them since we've disputed the debts.   Many thanks.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
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asset/TM legal claimform - old Lending stream PDL ***Struck Out Twice & Costs***now third claim issued


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Hi,

I have received a claim form from northampton bulk centre with asset collections as the claimant.

 

The original loan was from lending stream who sold it to asset,

I dont mind paying it but the amount has grown somewhat from the last dca who chased it and i cant afford to pay that much back.

 

I have responded to the claim at moneyclaim.

help needed please

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Hi,

 

I've moved this thread to our Financial Legal Issues Forum, you should get some help shortly.

 

Regards,

 

Scott.

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

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http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-December-2014**(5-Viewing)-nbsp

 

Could you copy and paste this and answer all the questions please, answers in red if poss, easier to read!

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I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

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Name of the Claimant ? ASSET COLLECTIONS AND INVESTIGATIONS

 

Date of issue – 13 DEC 2016

 

What is the claim for –

 

 

1 Asset collections and investigations claim this amount in respect of an unpaid loan funded by lending stream.

the defendant failed to abide by the terms of contract.

Asset collections purchased this debt and sent notice of assignment to defendant.

2,The defendant has failed to respond from the claimant thus denying the claimant any opportunity in assisting the defendant to bring this matter to a conclusion.

What is the value of the claim? £620

 

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

Were you aware the account had been assigned – did you receive a Notice of Assignment? yes by email

 

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? Multiple loans could not afford to pay back

 

What was the date of your last payment? sept 2013

 

Was there a dispute with the original creditor that remains unresolved? no

 

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementicon plan? Told them i was in financial trouble

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What did the OC do when you told them you were in financial difficulty?

What was the original amount you owe compared to what they say?

 

The new owner wont care about the reasons.

They want the money.

However the reasons will help to mitigate things in court.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Lending stream said i need to pay all the debt, the amount was £392 when it was with the first dca

 

got to to to bed now will check back tomorrow thank you for your help all

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So this is a Pay day Loan which has been rolled over from lending stream.

 

You have 33 days in total if defending the claim in full...19 days to acknolwdge service and a further 14 days to submit your defence (33 days) you can do this on line by registering to use their service (MCOL) instructions are in the response pack.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your Topic please PM me a link to your thread

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pop up on the MCOL website detailed on the claimform.

register as an individual

note the long number given

then log in

.

select respond to a claim and select the AOS box.

.

then using the details required from the claimform

.

defend all

leave jurisdiction unticked.

click thru to the end

confirm and exit MCOL.

.

get a CCA Request running to the claimant

get a CPR request running to the solicitors

.

don't sign anything

leave the £1PO blank and uncrossed

.

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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Ok will start that immediately,

 

This is the assignment notice from Lending Stream it looks like Asset have added nearly £400

 

Dear Sirs,

 

We refer to the fixed sum loan ******* from Zebit dated 27-06-2013, loan of £ 232.89 from Zebit to ********** .

On and with effect from 22th June 2016 the Zebit assigned to Asset Collection & investigation limited all its rights, title, interest and benefits in and to the Assigned Documents and the Debt.

 

All future correspondence, dealings, deliveries and payments in respect of the Assigned Documents or the Debt should be made to the Assignee whose details are as follows:

 

Agency: Asset Collections & Investigations Limited

 

Registration number: 03775287

 

Address: Unit 49 Grovewood Business Centre, Strathclyde Business Park Bellshill ML4 3NQ

 

Phone: 01698 907055

 

Emailid : legal@assetcollections.co.uk

 

Regards,

Zebit Customer Service

#Call charges apply. Standard charges from BT landlines, mobiles and other providers may vary.

This email was sent by Lending Stream LLC | 2711 Centerville Road, Suite 400, Wilmington, DE 19808 | Registered Address: 2711 Centerville Road, Suite 400, Wilmington, DE 19808, USA | Registered in the State of Delaware, USA | Registration Number: 4124111 | Authorised and Regulated by the Financial Conduct Authority. Interim Permission Number 643942.

This message may contain confidential and/or privileged information and is intended only for the individual named. If you are not the named addressee you should not disseminate, distribute or copy this e-mail. Please notify the sender immediately by e-mail if you have received this e-mail by mistake and delete this e-mail from your system. If you are not the intended recipient you are notified that disclosing, copying, distributing or taking any action in reliance on the contents of this information is strictly prohibited. Internet messages are not secure and therefore Lending Stream LLC does not accept legal responsibility for the contents of this message.

 

 

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But you got that prior to the claim....

So that and anything else you have you forget about them

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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address to post all documents box on claimform should list it?

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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Send them to the claimants address then

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

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Well normally its the CPR 31.14 that goes to the sols and that is invariably ever complied with ...so as long as you get the CCA request to the claimant you will be fine.

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your Topic please PM me a link to your thread

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enjoy xmas

nothing nasty can happen now over the holiday period

 

 

pop back after the 1st week of the new year

and get you defence sorted

 

 

DONT miss it

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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  • 2 weeks later...

good you don't want them to reply!!

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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post it up here 1st mind...

 

 

 

 

due by 4pm Friday 13th

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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