here you go, all except the bump they sent last time cheers wit stat edited (1).pdf

Good evening All I received their witness statement this afternoon, only contained what they have already sent got week left to put mine in now cheers lets

Well todays post bought me a court date for this claim, date in July. just need to sort out witness statement now, the court received the same garbage i did and they allowed the claim to continue ( different judge ) any help and advise please guys n girls many thanks cheers Lets

Hi All, here is the holding defense i intend to submit by 4pm on Monday. your thoughts and suggestions are more than welcome Particulars of claim for reference only 1.The claimant's claim is for £570, being monies due from the defendant to the claimant in respect of a regulated credit account agreement between the defendant and quick quid payday loans (no xxxx) 2.And assigned to the claimant on 20/12/17, notice of which has been provided to the defendant. 3.The Defendant has failed to make payment in accordance with the agreement and a default notice has been served pursuant to the consumer credit act1974. And the Claimant claims interest on the sum due pursuant to section 69 of the county court act 1984 from the due date to the date of issue at 8.0% per annum being £1.50 and further interest on a daily basis until the date of judgement or sooner payment at a daily rate of £0.12p The Claimant Claims 1) the sum of £570 2) interest of £1.50 3)continuing daily rate of £0.12p Defence 1. 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. 2. The Claimant claims £569.13 is owed under a regulated loan agreement with Casheuronet Trading as Quick Quid Payday Loans. I do not recall the precise details or agreement and have sought verification from the claimant and the claimant’s solicitor by way of a CPR 31.14 and section 77 request who are yet to fully comply. 3. The Claimants and or their Legal Representatives have failed to give notice of this claim in the proper manor as per instructed under Paragraph`s 3 and 5 of the Pre-Action Protocols failing to disclose all documents as requested. 4. The Claimant's statement regarding the assignation of the debt is denied. I am unaware of any legal assignment or Notice of Assignment allegedly served on 20/12/2017 from either the Claimant or from Quick Quid. 4. It is therefore denied with regards to the Defendant owing any monies to the Claimant and the Claimant is put to strict proof to: (a) show how the Defendant has entered into an agreement; and (b) show and evidence any cause of action and service of a Default Notice © show how the Defendant 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; 5. On receipt of this claim I requested by way of a CPR 31.14 request and a section 77 request; copies of the documents referred to within the Claimant's Particulars of Claim to establish what the claim is for. To date the Claimant's solicitors have failed to comply fully with this request. 6. As per Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 7. 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. 8. 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. cheers Lets

cheers for that DX, will def do over weekend cheers Lets

have you tried sending your recent council tax bill cheers Lets

will try sort defense out over weekend , before time gets away from me DX. went into account on QQ yesterday, and asked how I get my data, low and behold got it through at 0600 this morning cheersn Lets

thank you Andy, have no reposted double checked for names i put Email address on court papers DX Nope no default notice, screenshot says they sent one but not received and also included reconstituted notice of assignment and not an original copy cheers guys Lets docs from low-010519.pdf

Just received this via email from Lowell today. the same as i have received already cheers Lets docs from low-010519.pdf

only got what i have attached, DX thats it

Hiya Just going through letters from Wilkin before claim issued, the first says 30 days or court will proceed, dated 20th feb posted 21st feb, the second is dated 26th mar sent out on 28th, giving 14 days to respond, both mention from date of this letter, then claim issued on 11th Apr. do these dates matter for timescales, still trying to find a relevant defence though. cheers Letslba-edited.docx 2nd-lba-edited.docx

No worries DX and thank you, the last letter I had was the one they say they sent on 26th Mar, that actually arrived last weekend. just going to work on a defence for now. cheers Lets

Nope nothing at all for me, its all on them DX cheers Lets

\Good Evening All I have had a response from wilk chapman today with regards to my CPR request. the response is below in the attached file, at the end of the letter they say they look forward to my response within 14 days of the date of their letter. look at the first 2 dates they mention, the statement sent actually shows that there was 3 interest payments (rollovers) Just wondering now what sort of defense to do for this one. cheers Lets cpr3114 response.pdf

Had a letter from court today. 1) the claim is suitable for the small claims track and has been allocated. 2) the claimant do send to the court and also to the defendant, evidence of compliance with the protocol for debt claims, and the copy documents requested by the defendant by 4pm on 2/5/19. 3) the matter will be referred back to the judge after 2/5/19

Just an update on this, our local court finally got through to looking through paperwork before setting a court date, and the judge decided ...the claimant abused the court process and have struck out 2 claims, 2 down 4 to go

sent that off the same time DX,

Many thanks DX, me totally forgot i had a previous thread on this subject. i will now see if i can find all correspondences regarding this cheers lets

Had a Quick Quid loan or 3 and many rollovers got to point where couldn't afford to pay them. did write to Quick Quid with an offer , that was refused put in a complaint for IRL but haven't followed it through. (ill health and operations) debt got passed to PRA then to Lantern then had a letter from Wilkin (will post up later) followed by court claim, filed AoS, the claim details are below. wrote to solicitors asking for all information so far nothing, wrote to Lantern with £1 fee, their response was to return the fee and include an agreement (files size is under 4mb but wont let me upload it) but nothing else no statements or anything. then on Saturday just gone, I received a very poor letter before claim, as attached. Name of the Claimant Lantern Date of issue – 11/4/2019 date to acknowledge 18/04/2019 date to submit defence – 14/05/2019 Particulars of Claim 1.The claimant`s claim is for £570, being monies due from the defendant to the claimant in respect of a regulated credit account agreement between the defendant and quick quid payday loans (no xxxx) and assigned to the claimant on 20/12/17, notice of which has been provided to the defendant. The Defendant has failed to make payment in accordance with the agreement and a default notice has been served pursuant to the consumer credit act1974. And the Claimant claims interest on the sum due pursuant to section 69 of the county court act 1984from the due date to the date of issue at 8.0% per annum being £1.50 and further interest on a daily basis until the date of judgement or sooner payment at a daily rate of £0.12p The Claimant Claims 1) the sum of £570 2) interest of £1.50 3)continuing daily rate of £0.12p Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ?NO What is the total value of the claim? 570 Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Payday Loan When did you enter into the original agreement before or after April 2007 ? After Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) not checked yet 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? No Did you receive a Default Notice from the original creditor? No Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? redundant What was the date of your last payment? cant remember will see if its on bank statemewnt Was there a dispute with the original creditor that remains unresolved? yes Did you communicate any financial problems to the original creditor and make any attempt to enter into a dmp – Yes/no received20419.pdf lantern letter.pdf

asked for everything via their solicitors as well as the Credit agreement and that is all i have received to date.

Many thanks for that DX, here is the proper one edited-compressed.pdf

Just an Update i posted my defence day before it was due and the following day I received some bumff from Lowell. a copy of an agreement a reconstituted copy of the NoA statement of account which over £100 is interest and charges i filled the N180 and just waiting now for transfer to local court.

letter sent off for her will see what comes back ta for the info cheer s lets

Many thanks for the link Andy. she moved august 2017, updated her info straight away, however looking through her credit file a ccj was obtained by the same company in 2016 at her old address, me thinks tps used her old details to issue the notices, the tickets are from march 2018. i looked at her license just to confirm when she updated . hence need to get the access information. cheers Lets

Hi All, helping a lady deal with 6 plus tickets from TPS all tickets sent to previous address, yet bw legal writing to new address. we need to find out when TPS accessed her address details, would anyone know how to, i haven't managed to find any info o how to. many thanks Lets