Asset Link/Kearns Claimform - old HBOS Credit Card Debt - Now N244

[AndyOrch]

On 02/03/2024 at 18:31, stevehatesbankers said:

and the N120 form must be returned to the courts by 7th March

N120 

[stevehatesbankers]

Yes Andy.

It arrived last week but I was away for a few days.

I moved house in the middle of last year as well some post is redirected which can delay things by a couple of days

. I have informed the courts of my new address

[AndyOrch]

N120 

https://assets.publishing.service.gov.uk/media/601bc2fee90e0712851bfd75/n120-eng.pdf

[dx100uk]

you surely mean n180...

 

here is the n244+ws+exhibits.

they appear to have what they need.

the online agreement has ticks and dates

the default notice is compliant

the notice of assignment is compliant.

i can't find anything faulty.

 

N244+WS+ Exhibits.pdf

[stevehatesbankers]

Apologies, it is the N244 and the N180 forms

It looks like I am goosed.

Do you lads have any advice/guidance on how to deal with this.

I wont be holding my breath on Kearns negotiating

[AndyOrch]

What's the problem?

 

[stevehatesbankers]

Hi Andy

Thanks for the reply.

Having read through your post, its very complicated to say the least so some clarity or guidance would be appreciated.

I would like to avoid a CCJ if possible although I understand it is probably inevitable now that this will happen.

I tried to speak to one of Kearns solicitors a year ago to discuss negotiating a settlement but she was having none of it, hence it has gotten to this state.

I moved address last year so can only assume that I havent received all correspondence they have posted.

This all stemmed from HBos denying they received my request for a payment holiday during covid (October/Nov 2000) and were quick to sell the debt on to Asset Linked Capital

 

[dx100uk]

https://www.consumeractiongroup.co.uk/topic/347310-legal-n180-directions-questionnaire-small-claims-track/#comment-5088148

3 copies

yes to mediation (unless you filed our Statute Barred Defence OR this is a claim for a Private Parking Ticket)

1 wit you

Suitability for determination without a hearing? no (that the issues are so complex they need to be argued orally')

the rest is obv

1 to the court

1 to their sols (omit phone/sig/email) if no sols send to claimant

1 for your file

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

 

your previous disputes mean nothing now, you'd still owe the money anyway even if the payment holiday had succeeded. 

it might be best to go for a tomlin. low £PCM.

as long as you keep up the payments the ccj is not registered.

 

dx

[stevehatesbankers]

Thanks again dx, all sorted and will be posted in the morning. Just for clarity, is it only the N180 form I need to return

[AndyOrch]

Yes only 1 form n180 court/claimant sol/ your file

[stevehatesbankers]

thanks again lads for your help. I will update you in due course

[stevehatesbankers]

Hi, just to let you know that a Mediation telephone appointment is set for next week so if there are any points/guidance as to what to (or what not to) say, it would be appreciated

Thanks again

[AndyOrch]