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LC asset (Link)/Kearns claimform - old HBOS card debt.


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Name of the Claimant ? LC Asset 1 S.A.R.L

 

Date of issue –  15/07/2021

 

 

Particulars of Claim

 

What is the claim for – 

 

1.The claimant ('C') claims the whole of the outstanding balance due and payable under an agreement referenced (credit card number) and opened effective from 03/06/2015. The agreement is regulated by the consumer credit act 1974 ('CCA'), was signed by the Defendant ('D') and from which credit was extended to D.

 

2.D failed comply with a default notice served pursuant to s87 (1) CCA and by 09/01/2020 a default was recorded.

 

3.As at 18/02/2020 the defendant owed Bank of Scotland plc the sum of 5,029. By an agreement in writing the benefit of the debt has been legally assigned to C effective 18/02/2020 and made regular upon C serving a Notice of Assignment upon D shortly therefter.

 

And C claims -

1. 5,029

 2. interest pursuant to Section 69 County court Act (1984) at a rate of 8% per Annum from 18/02/2020 to 15/07/2021 of 530.94 and thereafter at a daily rate of 1.06 to date of judgement or sooner payment. Date 15/07/2021

 

What is the total value of the claim? 6115
 

Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Never heard of LC asset until i received this
 

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?
Credit card
 

When did you enter into the original agreement before or after April 2007 ? after 2015
 

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...) ? with halifax and link financial but not with LC Asset unless same company.
 

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? I don't know
 

Did you receive a Default Notice from the original creditor? possibly?
 

Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? unsure
 

Why did you cease payments? Breakdown of marriage, loss of baby, death of mother. Little or no work at time of marriage breakdown. My work is up and down before and during lockdown. Left with 3 children one classed as disabled with ASD, i was dealing with doctors, school and assessments for him too.
 

What was the date of your last payment? unsure summer 2019?
 

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? no my mental health suffered due to circumstances

 

Any help would be greatly appreciated.

i've no idea what to do.


 

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  • dx100uk changed the title to LC(Link)/Kearns claimform - old HBOS card debt.
  • dx100uk changed the title to LC asset (Link)/Kearns claimform - old HBOS card debt.

Link are Asset same company.

 

pop up on the MCOL website detailed on the claimform.
[if mcol is not working return after the w/end or the next day if week time]
.
 register as an individual on the Gov't Gateway Site
 note down your details inc the long gateway number given, you might need it later.
 then log in to the MCOL Website
.
 select respond to a claim and select the start AOS box.
.
 then using the details required from the claimform
.
 defend all
 leave jurisdiction unticked
 you DO NOT file a defence at this time
[BUT you MUST file a defence regardless by day 33 ]
click thru to the end
confirm and exit MCOL.
..
get a CCA Request running to the claimant

https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/

..

Leave the £1 PO unsigned and uncrossed

.

get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant]
...
.[use our other CPR letter if the claim is for an OD or Telecom Debt]
.

https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/

.

on BOTH type your name ONLY
Do Not sign anything
.
you DO NOT await the return of ANY paperwork 
you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]

..............


 

 

 

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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From dx's post above, I think it answers your question.

 

'you DO NOT await the return of ANY paperwork 
you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]'

 

HB

Illegitimi non carborundum

 

 

 

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plenty of

card claimform 

threads here already

 

i suggest you read a good few 10's

use our enhanced google search box for the above.

 

this will help giving you all the overall info you need upon the court process, whats to come and do by when, how to do it and whats next.

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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