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LFI - the OP never received the PCN due to moving. However it's on page 19 of the fleecers' WS. Dated 27 days after the event. evilmrkipling - can you please answer the question about the deadline the court has given for you to submit your documentation?
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Obviously I do not wish to give you a legal get out loop but the CCA1974 is there for a reason and all creditors must comply by the legislation. When you informed them of your intention to withdraw from the course and unable to meet the contractual payments did they or you not request some kind of payment plan/arrangement to enable you to avoid or defer from defaulting ? .
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Is it headed Letter Before Claim?
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I thought possibly not as the claimant totally disregards and avoids any mention of ever serving a Default Notice pursuant to sec 87/88 of the CCA1974 within their statement ...which basically means that they failed to adhere to the Consumer Credit Act 1974.Therefore prevented from enforcing the agreement by law. 87 Need for default notice. (1)Service of a notice on the debtor or hirer in accordance with section 88 (a “default notice ”) is necessary before the creditor or owner can become entitled, by reason of any breach by the debtor or hirer of a regulated agreement,— (a)to terminate the agreement, or (b)to demand earlier payment of any sum.
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OK, I'll flag your thread up to the Site Team and ask Caggers who are more expert to come on and advise you.
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