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    • Youll see there is another recent thread like your here today, outlining how to complain to the fos.   It might be prudent to see what they do next however.   Dx
    • When a debt is sold you should always send a new cca request.   I would send everyone you are blindly paying a new cca re instead of running the sb date to infinity.   how long have you been with sterchange
    • Hi there. I finally have a response from Erudio regarding my complaint about this. I included scans of my completed deferment forms for this year and last year but they are saying they won’t accept them and that the debt is now with Capquest. I had a missed call from Capquest this evening (ignored it and blocked the number). They want me to set up a payment plan.    Erudio say this is their final correspondence on the matter.    I know not to engage with Capquest thanks to your advice but I wonder what your advice is for next steps with Erudio. Is this when I go to the financial ombudsman?   Thanks so much. 
    • In post 1, it states the reason why you started this thread...you said you got a letter of claim?   Dx
    • 2nd attempt at defence. if nothing else I am stubborn.   1.The Claimant claims payment of an overdue balance in the sum of 1739.60 incurred by the Defendant under a AvantCredit, Unsecured Loan, account number **********   2.The Defendant failed to maintain payments in line with the Agreement and the Account has now matured.   3.The account was then subsequently assigned to the Claimant and the Defendant has been given notice of the accounts assignment.     Note: The above is paragraphed by the Defendant.     The Defendant contends that the particulars of claim are vague and 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.   The Claimant has not complied with paragraph 3 of the PAPDC (Pre Action Protocol) Failed to serve a letter of claim pre claim pursuant to PAPDC changes of the 1st October 2017. It is respectfully requested that the court take this into consideration pursuant to 7.1 PAPDC.   1. The Claimant claims 1739.60 is owed under an unsecured loan agreement with AvantCredit. I am unaware of what alleged debt the claimant refers to and have requested further information by way of a CPR 31.14 and section 77 request. The claimant has failed to supply a copy of the signed agreement as per my request dated 04-01-2022 and on 26-07-2022 by recorded delivery and is in breach of the section 77 request.   2. Paragraph 3 is denied. The Claimants statement regarding the assignation of the debt is denied. I am unaware of any legal assignment or Notice of Assignment pursuant to the Law of Property Act 1925, allegedly served on the defendant, from either the Claimant and or AvantCredit.   3. On receipt of this claim I requested by way of a CPR 31.14 request and a section 77 request for copies of any documents referred to within the Claimants particulars to establish what the claim is for. To date they have not complied to my section 77 request and remain in default (and with regards to my CPR 31.14 request). The claimant with their none compliance to my requests have frustrated my attempts to clarify their claim. Remove between the brackets?? or leave   4. Therefore the Claimant is put to strict proof to:   (a) show how the Defendant has entered into an agreement; and (b) show how the Defendant has reached the amount claimed for; and © show and evidence that a Default Notice was issued pursuant to sec87.1 CCA1974; © show how the Claimant has the legal right, either under statute or equity to issue a claim;   5. As per Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.   6. 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 82 A of the consumer credit Act 1974.   7. 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.   as always thanks for all the help T
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