The defence was a week late. I tried multiple times to get it done online and every single time it failed. I tried calling them multiple times to let them know and could not get through - I filed by email in the end following advice on here but it was over a week late I have ADHD so this stuff is very difficult for me to get together

Ok thanks Andy so it’s not to late the submit this N244 form?

I didn’t because I got the email response giving me an alternate email address to contact

I contacted the court again and had this response: Thank you for your email. I have looked at the case management system and judgement was entered on the 21/11/23 and so the defence was received out of time. Please contact the claimant solicitors at MORIARTY LAW (7367) COBB HOUSE 2-4 OYSTER LANE BYFLEET SURREY KT14 7DU for assistance in progressing your claim. Should you require any further assistance please do not hesitate to contact us. Kind Regards,

Thanks andyorch im not sure where to start with completing it though. Am I the claimant and the court the defendant? what order am I making ? Help! I’m stuck!

Is anyone able to advise me on this. Can’t get hold of the court even by special delivery no response to emails and phone calls have dropped after long wait times. Now have default on my account and I know this sound petty but Klarna and Clearpay were a lifeline for me allowing to pay for things like school shoes etc over time and because of this default I can’t do this. More importantly when my mortgage comes to end of term in about 5 years I’ll never get another mortgage. I really wish I’d just paid it off

Moriartry law chasing me and no reply from court. Does anyone ever take the court to court I wonder?

Hi dx I tried calling the court several times at beginning January and got cut off after long wait times. Not sure what’s going on there but they are impossible to get in touch with. I have emailed too. On January 23rd I sent by RM special delivery a copy of my original email, a copy of their auto response ) which proves it was sent) , a copy of my email chasing, a screen shot of my phone calls inc wait times and dates and included correspondence from morairty law. I advised moriartry law the situation and they put a hold on the account. had an email from them this week saying hold is due to come off they'd have heard nothing from the court!

Hi Dx - I've tried calling the court, first time cut of after 21 mins on hold and second time cut off today after 30 mins. These people are so hard to get hold of - if only I was able to log in to MCOL in the first place! I've had this from Moriarty law today: PRE ENFORCEMENT NOTIFICATION Our client has instructed us to write to you in relation to the judgment they have obtained against you. The court has ruled in our client’s favour and made an order for you to repay the above amount by instalments. You are now in breach of the Court Order. Our client is now entitled to apply to the court to commence enforcement proceedings against you. Please note that if this is necessary, further costs will be added to the amount you owe and it will be passed back to the Courts to continue with enforcement proceedings to recover the amount now overdue. Enforcement action we will consider issuing against you if the matter remains unresolved will be: 1.A Warrant of Control, which authorises Enforcement Officers to attend your home or business address to collect payment or goods 2.An Attachment of Earnings Order, which is sent to your employer and authorises funds to be deducted directly from your wages It is still not too late to respond.

Just received a letter from Moriartry Law saying "Following your failure to respond to the county court claim issued in the Northampton county court, a judgement by default has now been entered against you" - also had a letter through from the court saying 'you have failed to reply to the claim form "Judgement for Claimant" I sent the email and got an autoresponse - I guess they are claiming not to have received that!

Oh my did i still need to complete the MCOL? No I didn't I only received an automated response from the court after sending the email: Thank you for your email which has been received by the County Court Money Claims Centre (CCMCC). This email is automatically generated; please don’t reply to this message. Please retain this email as receipt that your email has been received. Please refrain from submitting unnecessary duplicate documents by only using one method of either email, post or fax.

ok thanks DX Do I just ignore this letter in that case? I don't need to do anything with the courts? It says in this letter dated 2/10/23 that they have placed the account on hold (for 17 days) and that if they have not heard from me by 19/10/23 then judgement by default may be entered against me and that the CCJ will be on file for 6 years. My mortgage comes to the end of its term in about 6 years and so I don't want to risk have this on file as this could potentially mess up my chance of getting a remortgage (hoping for some sort of financial miracle between then and now to enable me to do this!) but for now i have to try and keep things as clean as possible so that the credit rating is cleared up by then. Has this got the potential to mess that up? Should i go for the repayment plan?

Response received from Moriarty Law. It's tempting to accept the £224.71 full and final settlement but still would have the default on my file which is going to potentially getting in the way of me remortgaging when the mortgage reaches end of term in a few years 2023-10-02 Moriarty Begging letter.pdf

Thanks @dx100uk Thanks @Andyorch DONE !

No I haven't I was trying to do it online and it would not accept my login details that were printed clear as anything on the letter but would not work!

Im not sure where to start with the defence - does this sort of thing count? I have emailed them 3 -4 times over the last few years offering payment/payment plan - and trying to negotiate that with the removal of the default due to the family trauma that had happened around the time. They replied about the payment plan but ignored the request about the default and made no reference to anything else. When i queried about the default they did not reply. Same earlier this year before the legal action i offered to pay account off and asked if they would consider removing the default due to the trauma and no response at all

had = *have I have not been able to login to be able to do it.. tried multiple times - evenings weekends and from work Now over 33 days - and so I'm guessing i'm in trouble

I have received a reply from Moriartry Law saying that they have requested all the information from JC and that they have ceased all collection activity, they said it is up to me if i want to file a defence. I tried to log back into MCOL to do this but the system said the case number/password was invalid so had to send the paper version by post!

A local garage has had my car for weeks whilst they try and locate a part. They have parked it in the main road and when I drove past notice severe damage clearly been quite badly hit. I called the garage and asked them if they were aware and they said it’s not their problem - I said I left the car in their care and trusted it would be looked after and they said it didn’t matter ‘everyone says that’ nothing they can do. It was ab old banger but had spent a bit on parts keeping it on the road. Reckon it has a good couple years left in it yet and now it’s a write off!

Sorry this was my mistake it was never Lowells - its JCI then now Moriarty Law. Have filed response online and done ass you said DX. Letter in post (recorded) for CRP 31.14 Thank you for help will keep thread updated when response comes in Thank you

Sorry its JC International Acquisition LCC 16 McLeland Road, St Cloud, Minnesota, USA, 56303

Hiya DX - thank you Which Court have you received the claim from ? Civil National Business Centre Name of the Claimant ?JCI solicitors Moriarty Law Limited Cobb House 2-4 Oyster Lane Byfleet KT14 7DU How many defendant's joint or self ? Just me Date of issue – 17/8/23 Particulars of Claim 1. The claimants claim is for the balance due under an agreement with talk talk dated 3/5/18 which was assigned to the claimant on 03/09/20 and which is now all due payable. 2.The defendant agreed to pay monthly instalments under account number xxxxx but has failed to do so. 3.And the claimant claims the sum of £172.49. The Claimant also claims interest thereon pursuant to s.69 county court act 1984 limited to one year to the date of hereof at the rate of 8.00% per annum amounting to £13.79 What is the total value of the claim?£271.28 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) Yes and I replied to them and tried to negotiate Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No Did you inform the claimant of your change of address? N/a Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? LL/BB When did you enter into the original agreement before or after April 2007 ? After Do you recall how you entered into the agreement...On line /In branch/By post ? Online or by phone Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes - they defaulted the agreement when i was querying the debt. 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? Unsure Did you receive a Default Notice from the original creditor? No Have you been receiving statutory notices headed “Notice of Sums in Arrears” or " Notice of Arrears "– at least once a year ? No Why did you cease payments? Becuase they did not resolve my complaint What was the date of your last payment? My bank statements dont go back that far 10+yeas ago 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 debt management plan? Yes I communicated my financial and personal problems but did not enter into a management plan for the debt as I felt they had been unfair and was looking for a fair resolution for example cutting the debt by 50% because they cut off the service before the quoted date,

I should have just paid this and be done with it years ago but talk talk kept disconnecting my internet and phone when payment was late and so I decided to get rid of them. They gave me a cut off date and disconnected me several days before the quoted date leaving me with no backup plan in place to work from home. I have been arguing this point with them for years and lowell have been chasing me. Last communication was from me to talk talk and Lowell stating that I would pay the amount £100 if they would agree to remove the default they issued on my credit file. they did not respond to this email that I sent on 17/4/23 but rather sent a county court claim for £271.28. pretty miffed given I tried making offer which they ignored and didn’t respond

My folks are going to be calling Kensington this week and making a full payment of the arrears, if anyone has a chance to run their eye over this lifetime statement and see if anything jumps out that is not right. I know i've completely messed up by not addressing the illegal charges when i had the chance to and i'm really kicking myself about this now as this £11K figure would be probably nearer £5K and my god would that make a difference right now At the time that I was trying to deal with this situation with these charges I had been admitted to 2 separate rehabilitation centres for severe clinical depression, I couldn't even look at a piece of paper Attached Document 2.pdf

I thought I would ask them if they would offer a reduction on the total arrears if they were cleared in one payment but got this reply, ill take that as a no! We do not offer reductions on the arrears and would expect the balance to be paid in full, we have attached a lifetime statement to this message which shows all arrears as they accrued. Kind regards,