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

no signs are required for double yellow lines, only single and lines with kerb markings require signs

thats for sure, i know i wont be asking them to extend the court time. will give it another few days and then will submit defense doubt i will have anything from lowell by then

i will try and find out date of move i cant answer that as these are not for me they are for someone i am trying to help, i will get her to send letter to dvla tomorrow asking for details of data enquiry. i did make a note on this but not actioned yet, spent more time researching best way to put reason/s for set aside, to give more chance to get them. many thanks DX, on another note i managed to get 2 pcns dismissed at second appeal for another lady, had confirmation yesterday, ppc didn't stand a chance....all because of the info i found on cag.

Had a response from Cohen today. but nothing so far from Lowell. cram1.pdf