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Me Iii Ltd/Ascent legal joint Claimform - old black horse loan

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can someone advise me please...

i have received a claim form from Ascent legal on behalf of the above.

 

it relates to an amount £2864.14 which is in relation to a secured loan from black horse.

 

i have paid them nothing nor have i replied to any correspondence in over 6 years

- is the claim statute barred or not?

thanks in advance

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Hi tim and Welcome to CAG

 

I have moved your thread to the appropriate forum...please continue to post here.

 

Please read the following link and then copy and paste the Qs and your responses back here to assist us in giving you the best advice on how to proceed.

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-2016**(3-Viewing)-nbsp

 

Regards

 

Andy


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Name of the Claimant ? MEIIILtd

Date of issue – 25 jan 2018

 

Date to submit defence - 26 february

 

What is the claim for –

 

1.by agreement entered into between the claimant and the defendant.

the defendant has failed to pay the sum of 2679.14.

the claimant has requested payment but the defendant has failed to pay the full sum demanded.

2.the claimant claims the sum of 2679.14 and interest under s69 of the county court act 1984 at a rate of 8% per annum from 24.1.18 until judgemnet or sooner payment.

costs. the claim does not include issues under the human rights act 1998.

the claimant complied with sections iii and iv of practice direction pre action conduct of the civil procedure rules

 

Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? not sure

 

What is the value of the claim?2864.14

 

Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? a Loan [poss secured]

 

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

 

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? cant recall for sure

 

Did you receive a Default Notice from the original creditor? may have again not sure

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? not sure

 

Why did you cease payments? not sure, but over 6 years ago

 

What was the date of your last payment? April 2016

 

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 ?no i dont think so

Edited by Andyorch
Last payment amended

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you say this is a secured loan?

is the charge still showing upon your property entry at the land registry site?

 

what date is top right of the claimform please


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secured - yes it is.

land registry i dont know- can you tell me how to check please?

date - issue date is 25 jan 2018

thanks

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check the .gov.uk land registry site

I bet its no longer secure or atleast not under the claimants name by the OC.


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please note your correct defence filing date above

and also that

if that's EXACTLY the complete wording of their POC [only missing the account number]

then no you've never entered into any agreement with the claimant!! its was with the original creditor!!


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thanks,

yes that is the correct wording on the POC.

 

how do i check the regsitry please?

sorry i know im a bit thick,

i went to website and couldnt understand what to do or what to request....

thanks again

 

hi,

ooh i managed to get a copy for £3. it does list a charge entered on 28/12/2007 for the 21/12/07 ' in favour of black horse limited'

- i think we had two loans with them so it seems only one was/is registered....

 

what else do i need to do please.....?

 

many thanks in advance

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does the charge number match the one on their poc?


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there is no charge number in the POC its exactly as i typed save my typos

thanks

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so theres no account number in the POC at all?


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hi,

there is definietly no number in the poc section.

there is a claim number in the top right section.

there is also a claimant reference but this looks like the solicitors reference number

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oh this could be fun..they don't even know what they are litigating over..

 

so you answered secured loan above...this is not true then?


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we did have 2 loans with them,

i know one was definitely secured and that shows up on the search that i did on the land registry today

although the registry has no refrence numbers for it either at least on the search that i got back.

 

i cannot recall if we secured the other although from the registry it appears not.

i really dont know which they are litigating for here....

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They might have shot themselves in the foot here hopefully, with a rubbish POC.


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I think i'd be inclined to go with the SB defence.

 

you would have received many letters prior to the claimform

have you got them still?


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well what happened to them?


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panicked and binned them

 

whats the sb defence please?

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what good does binning them do...doesn't make things go away

hence why you've now got a claimform.,,that's the reason why phishing letters should never be ignored

 

were any of them discount letters?

can you remember about them?

any of them?

even the smallest detail could be helpful


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i will ask my wife when she is home from work and post in morning, thanks

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ok for now get this actioned

 

pop up on the MCOL website detailed on the claimform.

.

register as an individual

note the long gateway number given

then log in

.

select respond to a claim and select the start 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

leave the £1PO blank and uncrossed

.

get a CPR 31:14 request running to the solicitors

.

type your name ONLY

 

no need to sign anything

.

you DO NOT await the return of paperwork.

you MUST file a defence regardless by day 33 from the date on the claimform.


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Reclaim Bank Account, Loan & Credit Card Charges Read Here

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hi, i have found a letter from 12th december, headed letter of claim.

 

it does also show that i was paying 10 pound per month off this debt up until april 2016 it was going out to mortimer clarke which is why i did not put 2 and 2 together.

 

what do i do now please?

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get post 22 all actioned


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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

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hi, i am trying to log on and acknoweldge teh claim but the password no longer works, have i missed the date? i thought i had 28 days?

needing urgent advice please, i dont want someone knocking on my door.....:-(

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