On 17/10/2008, I received a claim from HBOS Which never has been defended. On 14/11/2008 , I received ( judgment for claimant, in default, N30) from HBOS as the claimant and Moorcroft under name and address for payment.

What I mean if I don't win this case therefore I will end up having 2 ccjs against the same a/c.

It will be 6 years in 4 months. I thought capquest if they knew there is a CCJ on this a/c they wouldn't issue a court claim, unless they expect the defendant wouldn't submit a defence. Really, I was shocked how they can do this . I thought is not possible to have 2 CCJs on the same a/c.

Yes on the same debt

Hi everyone Today I was going through some of my wife old CCJ suddenly I noticed that Moorcroft debt recovery has issued a claim on behalf HBOS dated 14/11/2008 against the some account. Can 2 DCA issue a claim against the some account? I already submitted a defence and the court already has acknowledge receipt of my defence. Any assistance on this one and thanks.

I need to submit my defence by first of July, I prepared a defence using same idea from CAG members. Please any suggsetion

My defence needs to be there no later than 01/07/2014,am I right?

If the date on the claim is 30/05/2014 does this mean the last date to file a defence is 02/07/2014.

Thanks Andy

Capquest is the owner and HL Legal & Collection is the claimant which one to send the CCA? Thanks for your assistance.

Hi IMS21 I sent for CCA yesterday HL Legal & Collection ,however I forgot to include £1 fee. 1)My question is do I need to send another CCA including £1 fee? 2) Send CCA request to HL Legal & Collection or capquest?

Hi Ims21, Yes I sent the acknowledged service online. I have send CPR not CCA request.

Hi Oleg find the copy of validation letter.

Dx100uk could post some links to these threads please?

Hi Dx100uk. I am confused here, if CPR31.14 is not a legal request therefore I am wasting my time asking for one.

what about the validation letter which I send on 25 September 2013.

Hi I mentioned in post #6, I said that I send them a dispute letter. however I found the original letter which is a validation letter not dispute letter. 1) My question is a dispute letter is the same as a dispute letter? 2) I send CPR31.14 letter, Do I need to send a CCA as mentioned credit agreement in my CPR31.14 letter?

Hi Oleg Yes, they send me identical letter twice in 4 days. I replied with a dispute letter and I still have the proof of sending it. 1)Their solicitor is :HL Legal & Collection. 2)Default notice: I checked in the SAR papers I couldn't find any papers work related to the default notice. Could anyone please explain to me what is exactly mean ( D N is non-compliant).

Hi I just want to rectify what I wrote in post #11, I found 3 letters send by caquest. 1) Sent on 19/07/2013,saying we are now looking after your account. 2) Sent on 07/09/2013: Letter of claim under the practice direction-prec action conduct. 3) Sent on 11/09/2013: Letter of claim under the practice direction-prec action conduct. I send them a dispute letter and that was the last time I heard from them.

Capquest should not issue a claim while the account is in dispute. I had a SAR last year so to start claiming PPI and banks charges.

I had no contact from capquest at all otherwise I could wrote to DC to hold any action because the A/C is in dispute.

Hi,Dx100 • Name of the Claimant: Capquest • Date of issue: 30/05/2014 • Particulars of claim (verbatim): Monies due under regulated credit agreement no xxxxxxxxxxxxxx between Lloyds Banking Groups. The defendant the benefit of which was assigned to the claimant on 28/06/2013. The agreement terminated upon the defendant failure to comply with the term of the Agreement. • Date of the claim: 30/05/2014. • The value of the claim:£3000 • The claimant included section 69 interest (8%) : No • The claim is for: Loan • When did you enter into the original agreement: Before 2007? • The claim been issued: the debts were assigned to capquest by Bos on 19/07/2013. capquest has issued the claim. • Were you aware the account had been assigned: Yes, I received a Notice of Assignment from Bos but no communication from capquest. • Did you receive a Default Notice from the original creditor? Yes • Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year? : No • Why did you cease payments: Too many DC got involved? • 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 management plan? No

Is there any point sending the claimant solicitor an account dispute letter ?

The interest charged by Bos were supposed to be 7.9% and they were charging me about 8.75.

Hi Andy It nice to hear from you again. 0n 22/04/2014, I received a letter from Bos saying "Having checked our records in line with your concerns, they don't show you took out PPI policy . Therefore, I cannot currently investigate your concerns further and have closed the complaint. However, if you feel that our records are incorrect or you have additional evidence to support your concerns, please contact me." On the bottom of their letter they printed in bold writing "if we don't hear from you within 28 days from the date of this letter we will consider this our final response." I wrote back enclosing evidences within 28 days, I am still waiting for the reply from Bos.