Lantern/moriarty Claimform - old QQ loan - Mediation

[PortSN18 1]

I have a balance of £480 from QQ sold on to Lantern.

It has since fallen off my credit report.

 

I have sent a SAR request to both.

What else should I do?

[Andyorch 10,197]

What do you hope to achieve...why have you sent a DSAR ?

 

Andy

[PortSN18 1]

Well I don't want to be paying more that I should be or get taken to court. The qq account fell off my report in May, I don't want another entry.

[dx100uk 8,686]

are you not going to hit them with an IRL claim?

[PortSN18 1]

Thats's why I'm doing the SAR so I have all the information.

[dx100uk 8,686]

then await it and put in the claim.

 

it cant comeback on your file

[Andyorch 10,197]

Thats's why I'm doing the SAR so I have all the information.

 

Ahhhhhh makes sense now as you failed to say why you was doing it in your 1st post...thread title updated

[PortSN18 1]

Got an acknowledgement email from Motormile/Lantern to say that they will process my request as quickly as possible.

[PortSN18 1]

Received details from Lantern but still waiting on QQ.

Obviously Lantern only have details of the one loan so isn't much help in a IRL claim.

 

Original Creditor: QuickQuid

Lantern Account Number:

Client Ref:

Client Ref 2:

Type of Account: High Cost Short Term Loan

Loan Open Date: 03/01/2012

Loan Due Date: 25/01/2012

Delinquency Date: 29/03/2012

Last Paid Date to Original Creditor: 25/02/2016

Default Date: 21/05/2012

Rollover/Extension: 2

Original Loan Amount: £500.00

Original Loan Interest: £590.00

Loan Fees: £24.00

Amount Paid: £551.24

Balance Sold to Lantern: £489.00

Amount Paid to Lantern: £7.84

Current Balance: £481.16

Last Paid Amount to Original Lender: £5.00

 

Where do I go from here with Lantern.

Do I let them know that I am waiting for info from qq so the account is still in dispute?

they are pursuing me for interest that amounts to the same amount as the loan, I have already paid £551.24 to QQ.

Statement_of_Account.pdf

 

My credit agreement with qq states that I need to repay £722 (£500 loans + £222 interest) and that there are no additional charges after the due date, only £12 late fees.

 

Well my statement shows interest of £147 added 4 times and 2 late charges.

 

Meaning that my balance when sold/transferred on should have been £302.76 not £819.

 

I have since paid off £559.08.

 

My account info does however mention a rollover/extension twice so does the 2 extra interest charges of £147.5 each stand?

Edited July 18, 2018 by PortSN18

[dx100uk 8,686]

I wouldn't trust MMF as far as I could spit.

await the QQ info file IRL complaint

[PortSN18 1]

I have mediation set for 12/12/2019 with Moriarty Law over a QQ loan. If it goes against me when would I have to pay by? 1 month from that date or longer or can I disagree with the outcome taking it to court to give me more time to pay?

 

I want to avoid a CCJ at all cost but can't afford to pay the debt off just yet. I dispute the debt on the ground of no DN being sent, but thinking the worse case scenario. 

Can I still negotiate a repayment plan?

[Andyorch 10,197]

Thread moved to Financial Legal Issues Forum

[Andyorch 10,197]

Please read the following link and copy and paste the Qs and your responses back here for further advice

 

 

[dx100uk 8,686]

threads merged..

what happened too the IRL claim against QQ you were doing?

 

[PortSN18 1]

Lantern (QQ)

 

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

 

27/08/2019

 

Particulars of Claim

 

What is the claim for – the reason they have issued the claim? The defendant owes the claimant £481.16 under a regulated loan agreement with casheuronet llc t/a quidquid dated 03/01/2012 and which was assigned to the claimant on 20/12/2017 and notice of which was given to the defendant on 20/12/2017 (debt). Despite formal demand for payment of the debt the defendant has failed to pay and the claimant claims £481.16 and further claims interest thereon pursuant to section 69 of the county court act 1984 limited to one year to the date hereof at the rate of 3.91% per annum amounting to £18.83

 

What is the total value of the claim? £584.99

 

Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? Yes

 

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? PDL

 

When did you enter into the original agreement before or after April 2007 ? After - 03/01/2012

 

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...) ? No

 

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. Lantern

 

Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes (via email) from MMF with no letterhead

 

Did you receive a Default Notice from the original creditor? No

 

Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? No

 

Why did you cease payments? Couldn't afford them

 

What was the date of your last payment? 25/02/2016 then again 01/06/2018 (yes a paid again when they chased me)

 

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 debt management plan? Yes - rejected my DMP for one I couldn't afford. 

 

[dx100uk 8,686]

No dn is fatal to most claims

And as moriarty never turn up at court anyway...

[PortSN18 1]

Well it's going to mediation first.

[dx100uk 8,686]

which unless they cough up with all the information which you require to make an informed decision to enter into - won't take place.

 

Before  it happens the same questions from the N180 will be asked again  -  too which you would answer no regarding the above.

mediation will fail.

 

 

[PortSN18 1]

so even though I have confirmed the date & time, I can say I don't have all paperwork on the day?

[dx100uk 8,686]

yes you've correctly entered into the spirit of mediation giving the claimant as much time as possible to comply with your wishes to date.

 

there are plenty [over 1500] claimform threads here that mostly detail the processes as any claim progresses.

it will help us to help you if you read some of them between this stages 

then you know what comes next and how to respond or what to do..

 

 

 

 

[PortSN18 1]

Ones I've read either don't mention mediation or that they said it shouldn't happen when they phoned to confirm date.

I've confirmed it to go ahead.

 

So on appointment day, when they ring me, I'll tell them sorry but they haven't sent me all documents I've requested. 

I shall do more reading of threads tomorrow, I did read quite a few that won when going to court. 

[dx100uk 8,686]

don't think there are any moriarty represented threads here whereby if the defendant turned up the defendant lost the case.

moriarty never appear in court.

 

there is a very comprehensive mediation sticky in the homepage of this very same forum yours is in

 

there is also a custom google search which comes up after hitting our top squares logo

 

moriaty claimform

 

might be useful to use there.

 

 

 

 

[PortSN18 1]

Thank you, I now know I can drag it out a but longer

 

My defence is no DN and if/when they don't turn up I'll win   Off to do some searching.

[dx100uk 8,686]

what defence did you file?

post it up here for ref 

as when it comes to your witness statement we will need to ref it.

 

 

[PortSN18 1]

1: I received the claim from the Northampton County Court on 28th August 2019

 

2: Each and every allegation in the Claimants statement of case is denied unless specifically admitted in this Defence.

 

3: This claim is for a payday loan agreement regulated under the Consumer Credit Act 1974.

 

4: It is admitted that the Defendant has previously entered into an agreement with QuickQuid for provision of credit.

 

5: The Claimants statement of case fails to give adequate information to enable me to properly assess my position with regards the claim.

 

6. It is denied that QuickQuid served any Default notice on the Defendant pursuant to s87 Consumer Credit Act 1974. The Claimant is required to prove that a compliant Default Notice was served upon the Defendant.

 

7: On the 10th September 2019 I sent a request for inspection of documents mentioned in the claimants statement of case under Civil Procedure Rule 31.14 to Moriarty Law. I requested the Claimant provide copies of the Agreement, Default Notice and Notice of Assignment.

 

8. Moriarty Law has not sent any of these documents to me.

 

9. Under Civil Procedure Rule 16.5 (4) Where the claim includes a money claim, a defendant shall be taken to require that any allegation relating to the amount of money claimed be proved unless he expressly admits the allegation. Therefore It is expected that the Claimant be required to prove the allegation that the money is owed as claimed.

 

10. I request the court orders the Claimants to provide the necessary documentation in order for me to fully plead my case else the Claim should stand struck out.

 

11. In the event that the relevant documents are received from the Claimants I will then be in a position to amend my defence, and would ask that the Claimants bear the costs of the amendment.

 

12. It is denied that the Claimant is entitled to the relief as claimed or at all.