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Asset Claimform - old Lending Stream PDL debt***Claim Dismissed***

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Received an email today from Asset Collections advising that they have initiated a County Court claim against myself for 3 Lending Stream loans in 2014.

 

My 3 loans were:

 

Start Date 18-May-2014

End Date (As per the original agreement) 30-Oct-2014

Loan Amount (including FPS fee if applicable) 140.00

Outstanding Principal Balance 55.01

Total Amount Paid 218.27

Arrears Payable Including Charges 55.01

 

Start Date 27-Jun-2014

End Date (As per the original agreement) 27-Nov-2014

Loan Amount (including FPS fee if applicable) 220.00

Outstanding Principal Balance 72.61

Total Amount Paid 222.19

Arrears Payable Including Charges 147.41

 

Start Date 26-Jun-2014

End Date (As per the original agreement) 27-Nov-2014

Loan Amount (including FPS fee if applicable) 200.00

Outstanding Principal Balance 66.02

Total Amount Paid 201.98

Arrears Payable Including Charges 134.0

 

As you can see, the 3 loans I had totalled £560 and I had actually paid back £642.44 yet Asset Collections say they're taking me to court for £423.80 (£336.44 plus interest and court charges).

 

I've only just cleared my file of my last CCJ and have started to repair my credit so another is the last thing I want. Would I have a leg to stand on if I appealed ? I feel that £423.80 (even £336.44) is excessive considering I've paid back the capital and then some already.

 

Can anyone advise? If I have to pay it, I will as I just don't want another CCJ.

 

Thanks

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Block the emails, so they bounce back.

 

If they wish to convey anything, then they can commit it to writing.

 

Does this appear on your credit file anywhere??


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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I have defaults on my credit file for Lending Stream yes. It sounds like they applied for a CCJ so I guess the next correspondence will be a brown envelope from Northampton

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Have you moved since taking these out?

They cant 'just' do that

They must abide by the new pre action protocols


..

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Yes I have moved house since these were taken out, can't say I've seen any correspondence through the post

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I definitely had a couple of defaults and a CCJ at the time.

 

Could I defend the claim based on the amount Im being charged? If I paid their £423.80 then that would be a total of £1066.24 against the origial £560 borrowed.

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Youve no claim to defend

 

Get irl running

Having ccj's and defaults will almost guarantee a pay out

 

If you wish copy up the email


..

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OK thanks for the advice, I will begin an Irresponsible Lending claim straightaway.

Any idea how I prove I had a CCJ at the time as it is no longer on my file?

 

One more question...

You say I haven't got a claim to defend, but what do I do if a County Court claim drops in the meantime?

I can't wait for the IRL claim to reach a conclusion so do I pay it?

Defend it?

Avoiding another CCJ is my main concern at the moment.

 

Thanks

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Easy peasy to defend

Use our search cag box of the red top toolbar

 

Claimform asset pdl won


..

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Many thanks. A little confusing, but they all seem to have a positive outcome. No doubt I'll be back for more advice when the claim form arrives.

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a claim has been issued but I haven't received any claim form in the post despite my post being redirected.

 

Finally managed to obtain the claim number which was issued on the 1st and having spoken to County Court Bulk Centre I have until 20th June to file my defence. However, as I haven't had the claim pack I can't do it online.

 

 

Help !!!

 

Having now spoken to Money Claim Online they have said I'll need to file my defence via email / post but I only have a few days now to do so....

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as i hadn't received anything through the post, money claims online sent me the particulars below.

 

particulars of claim:

 

1.the claimant claims this amount in respect of an unpaid loan, regulated by the consumer credit act 1974. the loan was funded by the lending stream.

 

2.the defendant has failed to make payments in accordance with the terms ofthe credit agreement.

 

3.the credit agreement was assigned to the claimant, upon which a notice of assignment was sent to the defendant.

the defendant has either failed to respond to the claimant or has failed to maintain regular payments.

 

4.the claimant issued a letter of claim, providing the defendant with a further opportunity to arrange repayment of the outstanding balance, to no avail.

 

5.the claimant claims interest under section 69of the county courts act 1984 at the rate of 8% a year from 20/06/2016 to 31/05/2018 on £336.44 and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of 0.07.

Edited by dx100uk
format

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moved to legal and retitled

 

have you acknowledged the Claim

what date was it issued?

did you get that IRL complaint running?


..

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Yes I have sent an IRL complain to Lending Stream.

 

According to Money Claim online it was issued on 1st June so my deadline is 20th June. I haven't acknowledged anything yet, I have only just obtained the particulars but still don't have the claim pack so have no more information than I posted above.

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so you need to acknowledge the claim by day 19 [the 19th]

your defence doesn't need to be sent until 4pm day 33 [3rd july]

 

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.

 

……………….

 

i'm not sure but I think you can acknowledge claims by email too now.


..

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I don't have a claim form. It never reached me despite having my post currently redirected so I can't access the portal. The details I posted above were obtained by calling Money Claim.

 

They did email me some forms though and said I can email my defence.

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have you the ack form [AOS]


..

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They emailed me some response forms. N009, N009a and b

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Use N9a to acknowledge service...are they copies or blanks ?


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They are blanks for me to fill in and print. N9A isn't the acknowledgment of service, but is the Admission Form.

 

Also, as I haven't received the claim pack I called Asset Collections & Investigations for their solicitors details but was informed they don't use a solicitor / legal department.

Should I send the CPR 31.14 request to their standard address with the CCA request?

 

I have attached copies of the documents MCOL sent me.

Edited by dx100uk
pdfs removed we dont need them

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Yes stand corrected... N9 to acknowledge service...complete the claim number and claimant/defendant details...defend all of the claim.....sign it and return.

 

Yes CPR 31.14 request to their standard address with the CCA Request.


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

 

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

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well done

don't ring asset again ..burn ck now


..

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