Hi DX thank you. confused now as not sure if you mean Link financial? Andyorch above says both to kearn solicitors. Someone on their thread said to LC Asset? help appreciated. .

Hi thank you its very hard to stop working and deal with these things. is above okay? I only have days left I believe and I don’t know where to send CCA requests either

What is the claim for – 1. The claimant C claims the whole of the outstanding balance due and payable under an agreement referenced (16digits) and opened effective from 06/03/08 . 2. the agreement is regulated by the consumer credit act 1974 cca, as signed by the defendant and from which credit was extended to D 3. D failed to comply with a default notice served pursuant to s87 1) CCA and by 26/10/21 a default was recorded. 4. As at 17/11/21 the defendant owed Bank of scotland plc the sum of £5021. 5. By an agreement in writing the benefit of the debt has been legally assigned to C effective 17/12.21 and made regular upon C serving a notice of assignment to D shortly thereafter. And C claims -1. 5021. 2.interest pursuant to section 69 county courts act 1984 at a rate of 8% per annum from 17/11/21 to 07/0323 of 498 and thereafter at a daily rate of 1.06 to date of judgement or sooner payment date 07/03/23

What is the claim for – 1. The claimant C claims the whole of the outstanding balance due and payable under an agreement referenced (16digits) and opened effective from 02/04/2019 . the agreement is regulated by the consumer credit act 1974 cca, as signed by the defendant and from which credit was extended to D 2. D failed to comply with a default notice served pursuant to s87 1) CCA and by 01/11/21 a default was recorded. 3.As at 17/12/21 the defendant owed Bank of scotland plc the sum of £8946. 4.By an agreement in writing the benefit of the debt has been legally assigned to C effective 17/12.21 and made regular upon D serving a notice of assignment to D shortly thereafter. And C claims - 1. 8946. 2.interest pursuant to section 69 county courts act 1984 at a rate of 8% per annum from 17/12/21 to 07/0323 of 850 and thereafter at a daily rate of 1.89 to date of judgement or sooner payment date 07/03/23 What is the total value of the claim? 10331.67 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? not that im aware 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? na Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? credit card 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 from memory Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? yes 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. believe the claimant to be Lc asset 2 sarl 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? I think so but cant be sure now Have you been receiving statutory notices headed “Notice of Sums in Arrears” or " Notice of Arrears "– at least once a year ? not sure Why did you cease payments? covid devastated me financially What was the date of your last payment? February 2020 Was there a dispute with the original creditor that remains unresolved? no Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes and with step change but it was very short lived I have done the cca letters. I saw a similar case and couldn't figure out who the lady sent the cca letters to. Luxemburg?

Hi I could really do with some help if anyone can. I am 46 and a family man that has been responsible with finances forever. Lived beyond my means at times but liked credit and kept payments up and moved debt around. Covid hit and ruined my entire life and lifes work. I am still fighting for survival and to keep a roof over my family whilst fighting for health and to keep some income coming in. Kearns have issued 2 claims for LC Asset 2 sarl who bought two cards from Halifax. I am asking for cca's now, have a few days left to write a defence as I will do anything to fight a ccj. I told them a CCJ kills me off and doesnt help me to rebuild my life to pay debt. They do not care I need help with filling the forms and if to defend. I saw there was something else to ask for too? All and any help appreciated

As a company on a corporate account that spend over £550 per month sometimes alot more, we could not believe the service we have just recieved (or lack of).From the begining of October we were looking to upgrade early. We once had an account manager, since he left no one took our account on board. So having called about 7 times I kept getting told we're really sorry but we cant speak to you and we cant put you through to anyone and we cant even give you a number. We can email that dept for you and we can give you an email address so that you can email. I got so frustrated as I kept sending emails, the business desk kept sending emails, I kept calling. No response! I got 3 other email addresses as I was told I was given wrong emails.no response..I went to a store on Oxford St they were shocked and said no worries we can deal with business accounts here......I said .I bet you cant! I was right... because I was corporate they could not deal with it and they could not help or give me a number. They tried to call head office in front of me..I was given a huge apology and another email address.Anyway believe it or not it tok 6-8 weeks for me finally to get a call back..only by me screaming down the phone at someone.The saga went on and on and on and by the 23rd December I got upgrade phones. But you would not believe the amount of time it also took out of my days and the grief it took to get them phones to me. Otherwise I'd still be without upgrades right now.Also during the ordeal I requested an official complaints dept. Sorry there is none we deal with our own compliants was the response. Well wheres that going to get me! I complained so so much and quite rightfully.The day before the handsets arrived I got an email from an Orange staff member stating they were being sent out and that the handsets are now free of charge as they wanted £148 per handset. I took this as my apology as what I wanted to do is tell them where to stick the phones and contract.Anyway day before yesterday I am now told that the email stating the phones were free was a mistake and what I signed still applies.The saga continues...............Ive written to the email address from here and will let you know the outcome.