lantern/moriarty claimform - old QQ debt.** Claim Dismissed** - now chasing again!

[swt61]

good morning all,

I have over the last few weeks received letters and a cc claim form from moriarty law for an old QQ account

 

I went online to acknowledge receipt of the court claim form and have put that I dispute the debt.

 

Ive sent cca requests to QQ and to Lantern on the 1st of july and only have had a letter back from lantern with a supoosed CCa

but this cca does not relate to a QQ debt on the court claim forms

its for an old Mr Lender loan where the default shows as registered and satisfied on my credit report.

They also sent me back my £1 postal order.

 

What do I do next

 

ive told moriaty law that their client has failed to supply me the correct information.

 

This debt would be statute barred in Nov

 

can anyone help please im stuck and very worried about getting a CCJ by Default

 

Thanks 

[dx100uk]

please complete this so we have all the correct info required to properly advise you.

 

 

 

[AndyOrch]

So you have already submitted a defence ?

 

Quote

I went online to acknowledge receipt of the court claim form and have put that I dispute the debt.

[swt61]

 

LANTERN DRS (FORMERLY MMF)

 

Date of issue –21/6/19

 

Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = 10/7/19+ 14 days to submit defence = 24/7/19 

 

 

Particulars of Claim

 

What is the claim for – the reason they have issued the claim? .

THE DEFENDANT OWES THE CLAIMANT £336.03 UNDER A REGULATED LOAN AGREEMENT WITH CASHEURONET LLC T/A QUICK QUID DATED 15/4/2013 AND WHICH WAS ASIGNED TO THE CLAIMANT ON 4/1/19 AND NOTICE OF WHICH WAS GIVEN TO THE DEFNDANT ON THE 4/1/19(DEBT). DESPITE FORMAL DEMAND FOR PAYMENT OF THE DEBT THE DEFENDANT HAS FAILED TO NPAY AND THE CLAIMANT CLAIMS £336.08 AND FURTHER CLAIMS INTEREST THEREON PURSUANT TO SECTION 69N OF THE COUNTY COURT ACT 1984 LIMITED TO ONE YEAR TO THE DATE HEREOF AT THE RATE OF 8% PER ANNUM AMOUNTING TO £26.88

 

What is the total value of the claim? £447.96

 

Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? YES FROM MORIATY LAW ON THE 20/6/19

 

Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? NO

 

Did you inform the claimant of your change of address? N/A

Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account?  PAY DAY LOAN

 

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

 

Do you recall how you entered into the agreement...On line /In branch/By post ? ONLINE

 

Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? YES BUT ONLY SINCE JANUARY 2019 THE ENTRY IS FROM LANTERN

 

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? NOT AWARE

 

Did you receive a Default Notice from the original creditor? NO NEVER

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? NO

 

Why did you cease payments? DEBT WAS ROLLED OVER AND I COULD NOT AFFORD THEM

 

What was the date of your last payment? 3/2 17 £1 UNDER A DMP BUT I STOPPED AS I PUT THE ACCOUNT IN DISPUTE WITH QQ AND EVEN OFFERED£150 AS FULL AND FINAL BUT THEY NEVER REPLIED

 

 

Was there a dispute with the original creditor that remains unresolved? YES

 

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? YES AS STATED ABOVE

 

i just did acknowledgement of service and ticked dispute all,

 

as I said lantern replied to my cca request but sent me this attached info instead and not the court claim.

 

the cca they sent was for a default that shows settled on my credit file and not the QQ one

 

 

 

hi sorry for the delay but will this do

Combine Jul 15, 2019.pdf

[dx100uk]

why oh why did you not start an irresponsible lending complaint against QQ as advised 3yrs ago

this could have all been resolved by now.

 

[swt61]

Hi mate, i tried and tried with QQ but they kept ignoring me and just kept sending statements by email,

my concern now is obviously the potential court action regarding this

but also that lantern as you can see sent me a totally incorrect cca for a different lender thats shows as settled and default satisfied on my file.

 

QQ even never replied to a full and final offer years ago as i cant be dealing with this 

[dx100uk]

Did you send an IRL complaint??

[swt61]

Yes years ago never ever any response and I was in no way able to constantly chase as I was going through a tough time

[dx100uk]

ok should have gone off to the fos then.

never mind

[swt61]

 Yes I agree mate in hindsight but how can I handle this now to stop a ccj and lanterns cca mistake

[dx100uk]

simply file our std no paperwork/holding defence in most PDL claimform threads here

 

just remember moriarty don't turn up anyway in court as long as you do, you'll win.

 

you've a +week yet so post it up here 1st.

[swt61]

Ok I’ll have a look at that so I assume I file that as my defence?

 

Sorry for being so dim

[dx100uk]

just type no need to hit quote

 

put your defence up here 1st mind for checking

[swt61]

 ok thank you 

[swt61]

can you tell me if by lantern sending me an incorrect cca are they stuffed too

 

[dx100uk]

wont make any odds 

 

[swt61]

Damn that’s a shame would have loved to give them a shot across the bows lol

[dx100uk]

well that might be for later IF the claim ever gets to the disclosures stage. 

 

they aint gonna turn up anyway

this is moriarty

id request everything in the CPR list.

wont hurt you.

 

 

[fkofilee]

But im pretty sure if you didnt say anything to them and it went to court, they supplied a CCA which is NOT anything to do with the original loan - They would be shot out... 

Surely... 

Evidence wouldnt back up their claim...

[dx100uk]

yes..you would [if needs be] be questioning this at the disclosure stage [witness statement]

 

 

[swt61]

Thanks again for all your help today I know it’s all been short notice but you’ve all been great thank you .

 

I am posting the cpr request in the morning first class but what exactly in wording  do I need to put online now with the mcol ref the claim as my defence please

 

as I don’t know what to put on as I believe Tuesday next week is the deadline for the mcol case

[dx100uk]

time to do the other part of CAG now and that's self help.

 

click the very top left CAG squares logo

then doen on the left

you'll see

 

custom google search box.

 

type in there

 

PDL Claimform.

 

and read as many threads as you can the more you read the stronger we become.

if you wish

limit your search and add in in Moriarty

[swt61]

Good morning request sent off yesterday to moriarty law  but today got this load of tosh 

Combine Jul 17, 2019.pdf

 

Anyone any advice of any of the stuff they’ve sent ? Still no cca or default notice only the stuff above which looks like a hash to put together some stuff

[fkofilee]

Patience... Someone will be along shortly

[dx100uk]

its all stuff from their system and on their letterhead

not from the OC so who knows if its truthful

I thought you'd guessed that by your comment which is why I didn't.