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    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
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    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the 02/01/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the 19/05/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, 02/06/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
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Statute Barred if No Default date?


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Hi all

 

I hope this is an ok question to ask and I am in the right section?

 

I took out a loan with Ferratum in March 2014.

I have made no payments on the loan (sorry in a bad place for a while) or any responded to them since.

 

I did try to make a complaint in 2016 but at no point did I acknowledge the debt.

I got regular emails from OPOS trying to get payment but also did not respond.

 

The loan is still on my credit file despite being over 6 years old but Ferratum never issued a default on the loan.

As such does this mean it will never be statute barred?

 

Many thanks

 

Ian

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Hi Ian.

 

First thing, if you were given the money and did not give it back, you acknowledged the loan.

 

You firstly have to understand that a notice of default on your file is not the same as a default notice, which, 14 days after delivery,  gives the creditor to pursue the debt in court.

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Thanks Peterbard

 

Yes I appreciate I acknowledged the loan initially.

However that was over 6 years ago.

 

No notice of default or default notice has been issued, nor does it state that on my credit file, just late payment.

 

With the change to how statute barring is treated with regard to a default is why I don't understand how I currently stand.

That is what I am looking for clarification on.

 

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opos shown as the owner on your file now?

 

send them our statute barred letter and tell them to remove the entry on all CRA file providers too.

 

 

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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yes indeed I have a thread on here with the case n it, cant find it just now.

Well, they would not put a D on your file straight away, they would have to considers that your fiscal relationship in this matter had broken down, usually a few missed payments. 

 

They may not have issued a DN either, but i think it likely they did.

 

The law regarding the beginning    of  the SB period says, the creditor must be able to enforce for six years.

Due to section 88 of the act there can be no termination or enforcement under default until  a DN has been issued and not remedied for fourteen days.,

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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16 hours ago, dx100uk said:

opos shown as the owner on your file now?

 

send them our statute barred letter and tell them to remove the entry on all CRA file providers too.

 

 

No it is still listed under Ferratum. They definitely haven't issued a default on the loan. They first passed collection activity on to an external party (Ardent Credit Services Ltd) 14 days after the first missed payment. Could I use this as the date to start the clock on the Statute barring?

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if you've not paid in 6yrs

send them our statute barred letter and tell them to remove the entry on all CRA file providers too.

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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If you are talking about it being on your file, then it is the CRA first. Then when they get back to you, the creditor.

Sort of, " my debt is over 6 years old and has been on my record all that time, this is contrary to Data Protection rules".

 

If you suspect that an agreement is SB, you should always make a claim to the creditor saying so. "just a little detail , not to much. "I have had no contact, and the debt was closed over six years ago."

 

When the creditor threatens an action to recover money, the burden of proof falls on the debtor to show that he is not SB.

However once you replay and state you are SB, if becomes incumbent on the creditor to show the debt is not SB.

Edited by Peterbard

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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