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    • We have finally managed to obtain the transcript of this case.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

MMF/Moriarty claimform- old P2P PDL


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hi

received a court claim from mmf(lantern) dated 3.9.18 to do with a pounds to pocket loan

poc it says in respect of a regulated credit agreement between the defendant and quick quid payday loans

 

should the poc not state pounds to pocket itself .

 

.thanks

Edited by dx100uk
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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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Quick quid and p2p are the same company. They just use different trading names

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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link in post 2 please

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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Name of the Claimant ? lantern debt recovery

 

Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 3rd Sept 2018

 

Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total) -

 

^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE ON THE CLAIMFORM IS ONE IN THE COUNT [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days in total

 

Particulars of Claim

 

defendant particulars of claim

 

 

the claimants claim is for 561.00 being monies due from the defendant to the claimant in respect

of a regulated credit account agreement between the defendant and quik quid payday loans

no-+++++++ and assigned to the claimant on 20/12/2017 notice of which has been provided to the defendant

the defendant has failed to make payment in accordance with the agreement and a default notice has been served

pursuant to the consumer credit act 1974

the claimant claims the sum of £561.00

 

Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? yes but due to a bereavement it was forgotton

What is the total value of the claim ?£690

 

Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? pounds to pocket payday loan

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

 

Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? yes

 

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? no but I got a copy of a reported email saying that it was assigned

Did you receive a Default Notice from the original creditor? according to p top I did but im unsure

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? no just a p to p statement

 

Why did you cease payments? ran out of money

 

What was the date of your last payment? started paying monthly last payment 2015

 

Was there a dispute with the original creditor that remains unresolved? no but have just raised a claim with p to p for unreasonable lending

 

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management planlink3.gif? no

 

What you need to do now.

 

Answer the questions above

 

If you have not already done so – send a CCA Requestlink3.gif to the claimant for a copy of your agreement

(except for Overdraft/ Mobile/Telephone accounts) already done got back what u would expect but they refused to send me a copy of a default notice

Send a CPR31.14 request to the solicitor named on the claim form for copies of documents mentioned/implied within the claim form. There are two different versions - one for Loans/Credit cards the other for Current accounts -- wont have time now will I

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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.

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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already done cca got back copy of credit agreemrnt, starment of account,terms and conditions and copy of a email showing notice of assignment no copy of a default notice they said they were no required to send one what else would i get back from a cpr request and what could i possibly put in a defence thanks

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100's of claimform threads here already

 

use the search cag box of the top red toolbar

 

claimform MMF

 

just remember they do not turn up in court

that's your advantage

 

so looks like your might be a default notice error or lack of will win the day.

 

ideally though you should have kept up with cag then you'd know you could have put in an irresponsible lending claim and that would have killed the debt dead by now

sadly QQ are going down the panhole so I doubt doing one now will help you

 

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 using the wrong name makes little odds as post 3

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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Just a thought and there is a good reason

 

You could send a Part 18 request asking for

The date of the default notice

The remedy date of the default notice

The method of delivery of the default notice

The amount of the DN

The remedy amount of the DN

 

The reason is that according to a statutory instrument, DN's have to be delivered by post and some PDL's did deliver by email- thus they should be invalid.

 

I see no reason why you shouldn't get in an irresponsible lending complaint to QQ now and tell Lantern you have done so

 

https://debtcamel.co.uk/payday-loan-refunds/

Any opinion I give is from personal experience .

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Cant use a Part 18 request on Small Claim Track....

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

 

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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send it for the default cpr 31.14

you have done {AOS} safc?

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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  • 4 weeks later...

as it stands now i have received a letter (judgement for claiment after determination)

the claiment has objected to the rate of repayment you have offered and full payment is forthwith ,

 

is my only option now to send in a letter to the court and ask for a redetermation or would there still be a chance to negotiate with creditor thks

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Did you not submit a defence ?

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

 

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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No you dont send a letter...you submit an N245 with your offer after completing the enclosed I&E.

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?406098-LEGAL-N245-Application-for-suspension-vary-an-order-**Correct-as-at-Feb-2017**

 

The fee is £50 unless you qualify for exemption

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

 

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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thanks for info

have now had a letter saying claimant will

accept my monthly payments for the next 8 years

conformation of payment plan and

a payment schedule stating first payment and date of last payment

a copy of the judgement for claimant but

no mention of enforcing the judgement only if I miss payments they may consider what to do next

 

ill just keep my head down for now and make my first payment in 6 weeks time as per schedule

Edited by dx100uk
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Then that cant be in relation to your n245 and in not a tomlin order?

Too guick for the n245 to have been processed

 

And theyve said nothing about what happens to the judgement??

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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didn't get to do anything via n245 coudnt afford the 50

as regards the judgement they say they are happy to accept my payment offer and if payments are not made they may consider what course of action to take next on the account

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ok so you must now have a ccj showing for 6yrs on your file.

 

if you are happy away you go.

shame you didn't defend...typically as they never turn up you would have won for almost any old reason...

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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