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Asset Collections claimform - Multiple Lending Stream PDls in one claim


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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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Well he did send CPR/CCA requests n that thread...but looking at the particulars..they didnt mention any documents to utilise CPR

We could do with some help from you.

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Sorry Im unsure what I should be editing - I did send CCA/CPR requests .... I didnt get anything back. Then why have you not stated it within the defence ?

 

Are you saying to add that I sent the request? Yes...The CCA in particular.

 

Sorry for being a bit slow.

 

Not a problem the example you have used also failed to mention...but the particulars in that claim did not warrant the reference being in the defence...although it should have at least referred to the CCA section 77 being made.

 

Regards

 

Andy

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We could do with some help from you.

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Normal..its part of the allocation process

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 OTHER

 

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  • 2 weeks later...

you must always answer yes unless you claim the debt is statute barred

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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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  • 1 month later...

Hi everyone.

 

Looks like I now have a court date for this.

I cannot go to court.

 

Going forward hows best for me to deal with this?

 

Try and come to a repayment plan with Asset - would they even entertain that?

 

Ask the judge to deal with it for me?

Or just accept that this is a lost cause?

 

Im severely depressed and have really bad anxiety,

I also no longer live at the address this has been served to I am actually currently homeless.

 

Got made redundant last year.

Have no job.

Living off savings.

Dont claim any benefits.

I dont know what to do.

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what have you received then?

 

 

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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It will be the Notice of Allocation containing the courts directions thats all...follow the court directions and submit the requested by the dates stated...its normal part of the process .

We could do with some help from you.

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I now have the letter in hand. I have to serve and file copy documents by 18/9/17 .... Im a little lost. I'm going to go and look through some other threads but if anyone could point me in the right direction? I don't have access to a computer and the internet at all times at the moment due to my situation.

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Search (top right under our Logo) Notice of Allocation and/or witness statement and/or Standard Disclosure.

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 OTHER

 

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I have computer/internet/printer access for the day so I am hoping to get this done today otherwise I don't know if I will get chance.

 

Do I just need a witness statement or should I be including anything else I might have like postage receipts etc, credit report print offs? Statement of account from lender - As I don't know if I have all of them. I doubt there is as I have looked but is there a guide for writing a witness statement?

 

Also would anyone be kind enough to confirm what happens if I don't get their paperwork by the 18th?

 

Thanks

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Already advised in my post #40 re search to get an idea.

 

The directions state that you have to disclose all documents relied upon and referred to either in your defence or witness statement...if you dont disclose it you cant use it.

 

I doubt you have referred to postage receipts within your defence or credit reports.

 

If they fail to supply their disclosures and ws by that date inform your local county court and ask they impose sanctions for failing to comply.

 

 

Andy

We could do with some help from you.

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Thank You, Andy.

 

 

Are Asset allowed to claim from 4 separate credit agreements in one claim as it seems they have done? Just logged into my Lending Stream account and the numbers tally up (with a little extra added on by Asset)

 

I would like to know as would like to use this in my witness statement if you think it might be relevant?

 

£1175 was total borrowed in 4 separate loans of £285, £265, £525 and £100

£2586 total owed when I could no longer afford to pay

£831.20 repaid by me before I stopped paying.

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did you pay each one off before the next

or was this a refinance chain and the first or the last loan number is the one in the claimform?

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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urm..

so you had 4 sep loans

none of them you paid off at all?

 

cant see lending stream allowing you to doing that

 

somethings not clicking here with me...

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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Yep

 

All individual loans with their own loan number.

 

Taken from the Lending stream site

 

Can I get another loan before I have paid off the one I have now?

 

You can apply for another short-term Lending Stream loan prior to paying off your current loan.

From time to time we may even contact you to let you know that you can apply again.

However, this doesn't mean you'll automatically be approved.

 

By law, we can't guarantee approval of your additional short-term loan until the very moment your application is submitted to us for review.

Even if you've had a Lending Stream loan before and repaid successfully,

we're required to use the latest information available about you in order to make a loan decision.

 

 

This is meant to ensure that we're always using the best available information to reduce the chances of putting you into a position of financial difficulty by approving a loan that you may not be able to repay.

Additionally, we will not approve an additional loan if requested within a few days of your current pay date.

 

Even if you are in good standing with us,

we will not approve more than six total loans with us.

 

 

You can log in to your account to check on the status of your current loan(s) and apply for an additional loan if eligible.

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First was opened March 2013 for £285 I paid back £461 I still owe them £244

Next was May 2013 for £265 I paid back £212 I still owe them £528

Next was July 2013 for £525 I paid back £157 I still owe them £1374

Next was Aug 2013 for £100 I paid back £0 I still owe them £342

 

£1175 was total borrowed in 4 separate loans of £285, £265, £525 and £100

£2586 total owed when I could no longer afford to pay

£831.20 repaid by me before I stopped paying.

 

 

Well I don't owe Lending Stream I owe Asset Collections

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in the claimants letters before the claim you mention

is there a number on one of those that refers to one of the 4 loans?

 

 

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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No I dont think so, I have no mail from them anymore. I stupidly didnt keep hold of it as was advised they were a bunch of clowns and nothing would come of it. Have an email from [email protected] - signed from Asset Collections with attachments of all 4 CCAs they sent this Oct 2016

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