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1st credit/beevers PAP Letter of claim - RE:Merged HSBC debt poss SBd

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Hi

Ive had a letter of claim sent to me from moon beaver solicitors on behalf of 1st credit ltd that bought an alleged £7000 debt of mine off hsbc.

Its is definitely over 6 years old.

The letter states they could take me to court if i dont reply within 30 days ?

 

My credit rating is good again now as all my negatives dropped off over 2 years ago and since then ive built it back up to excellent.

 

How do i deal with this ?

Please help, thankyou in advance

Kind regards

Neil

Edited by dx100uk
Format

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Have you definitely NOT paid OR acknowledged this in writing in the last six years?

 

What do they say will happen if you don't get in touch with their arbitrary 30 day time limit?

 

IMO I wouldn't do anything, if you're 100% certain this is SB, then let them waste their money trying to get this in court, then hit them with the SB defence.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Thankyou for your reply

 

i should i send a cca request back to them ?

It was a personal loan and a flexi loan with hsbc originally,

they have just combined them together ?

Would a cca request be acknowledging the debt ?

Thankyou

 

Thankyou bazooka

Definitly not acknowledged this since sept 2010.

So im best to leave this alone,

will it be the court i give the SB letter too or will i receive more letters off their solicitor

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have they done the formal pap?


IMO

:-):rant:

 

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Its says they could start county court proceedings against me if i dont respond in 30 days

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sounds like the infamous managed loan syndrome

 

you say you've def NOT paid anything in +6yrs


..

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Its says they could start county court proceedings against me if i dont respond in 30 days

'could'?

is it all as per that link re pap?


IMO

:-):rant:

 

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Not sure what you mean by formal but its off solicitor stating the 30 days also debt advice citizens advice ect...

A reply form with boxes to tick agreeing i owe the debt ect..

Signature page

Standard financial statement wanting my earning ect..

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did you see the link i posted

looks like a pap


IMO

:-):rant:

 

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Def not paid or even spoke in over 6 years

 

Had lots and lots of letters off 1st credit ltd, all went in bin

 

Yes its a pap by looks of it but not fully understanding all legal stuff, sorry,it says the agreement started on 11/08/2005 (hsbc)and was assigned to their client on 19/08/2015 (being 1st credit)

 

10 pages in all

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staple a copy of our statute barred letter to the pap reply form

and send it back

 

statute barred letter is in the debt collection section of our library


..

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Have you definitely NOT paid OR acknowledged this in writing in the last six years?

 

What do they say will happen if you don't get in touch with their arbitrary 30 day time limit?

 

IMO I wouldn't do anything, if you're 100% certain this is SB, then let them waste their money trying to get this in court, then hit them with the SB defence.

 

Yes im 100% ive not ackowledged it in any way since 2010

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staple a copy of our statute barred letter to the pap reply form

and send it back

 

statute barred letter is in the debt collection section of our library

 

So i am better to reply with the SB letter and not cca request ? Ill have look now and type it out, so shall i not tick any boxes in the pap ?

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in this link ford sent there is an attachment to post 6

https://www.consumeractiongroup.co.uk/forum/showthread.php?481827-The-Pre-Action-Protocol-for-Debt-Claims-is-made-by-the-Master-of-the-Rolls-as-Head-of-Civil-Justice.-1st-Oct-2017

 

use that

tick d

because ......the debt is statute barred

 

then PRINT SIGN YOUR NAME ONLY at the end

 

staple the SB letter to it


..

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Thanyou so much, you guy's are awesome.

CAG will be getting a nice donation

Thanks again.

Ill let you know the results when i get a reply

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did you see the link i posted

looks like a pap

 

Great found it, its exactly the same as that 😁

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doubt you will get one

other than them stating the default is within 6yrs and its not SB'd

but it is ofcourse!


..

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So will they still keep chasing me ?

Sorry if i sound dumb

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now read the SB letter

 

Ah yes, id already read that but it just didnt sink in. So they can still harass me but its unlikly they will take it to court as they will get fee's or court will dismiss it.

Thank you for all the help

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and the relevant conc rules quoted init.

once told

they must cease all chasing in effect


..

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Ive had a reply of 1st credit about SB letter i sent

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It says i took agreement out in 2005, defaulted in 2009 and last payment made to them by me on 14 march 2012, debt assigned to them oct 2015.

Then states it could take a number of weeks to get the documentation i requested ?

I am certain i made no payment in 2012

So they're saying im less that 3 weeks from it being statute barred ?

Was the SB letter acknowledging it ?

Help...

Edited by dx100uk
There/they're

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