Is it better to send an SB letter or a CCA request first? Thanks for all your help .

Ive still got the original loan agreement from Black Horse oddly enough, theres alot of ppi on it and i didnt tick thr box that said i wanted it either!

Unfortunately I cant remember, and I dont have the original paperwork. I has been passed around so many debt companies over the years.

Name of the Claimant ? Hillesden Securities ltd Date of issue – . 14 December 2015 What is the claim for – 1. By an agreement between Black Horse ltd and the defendant on or around 26/07/2005. black Horse agreed to lend defendant monies, the defendant did not pay the instalments as they fell due and the agreement was terminated, the agreement was assigned to the claimant. the claimant therefore cliams £2375.96 What is the value of the claim? £2375.96 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? unsecured loan When did you enter into the original agreement before or after 2007? 2005 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. The assigoned debt purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? yes Did you receive a Default Notice from the original creditor? cannot remember Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? no Why did you cease payments? Financial difficulties What was the date of your last payment? January 2009 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? No

Yes I submitted it via MCOL,, I advised them that I had not made any payments since Jan 20090 or acknowledged the debt in writing . I advised that I believe the debit is statued barred re act of limitations 1980

Thanks for the replies. its actually a claim form. The loan for an unsecured loan from 2005. And there has been no CCJ before.

Hi I have received a County Court Summons for a debt which was formally with Black Horse. The last payment I made was to the best of my knowledge in Jan 2009. I have not made any payments or sent any written acknowledgement of the debt since and it has been passed around various debt companies since. Then Cabhoot bought it and it went to Mortimer Clarke, it is not showing on Noddle. Can they do this? I already completed an online defence about this. Thanks

Thank you very much for this valuable advice, yes it looks like a SAR is the way ahead.

yes i was thinking a SAR may be a good idea. thanks

Any help what i need to do next?

I have contacted the county court, they have records of the order in 2008 but no records of the judgement, she said they are destroyed after 3 years!

A a footnote to this, i live in rented accom and absolutely no assets, im guessing they will have searched the CRA`s so they will know im worth nothing and have other debts.

Many thanks for your help, the company is Capital Recoveries (DMS), for GE Money (client) i am not able to scan the letter, But basically it states that if i do not respond in 7 days of the letter dated 2nd Nov and sent by 2nd class!7 then their client has the right to take legal proceedings without notice, They will add costs etc and if a judgement is made then they will be entitled to seek more punitive measures to enforce the order!

House was worth about £100k and the debt is £57k, they are probably chasing me because i guess they cant find my ex, im not admitting liability, it annoys me anyway, and there is no way i can offer any reasonable amount anyway if i did. Yes it was a shock, |I have a good idea where the court is, so i could ask for a copy of the judgement. What make me laugh is that they have offered to accept £35k as FFS or £150.00,pmonth, no chance! I cannot anyway. Thank you for your advice, S

HI All, Bit of advice, 5 years ago i moved out of a property i shared with with my ex partner, unfortunately, i didnt take my name off the mortgage straight away and a few months later the mortgage went into default, i asked the company if they would remove the title, but they declined! ultimately it went to court and an order was made for repossession, which happened. I am know being chased for the shortfall, dont know where my ex partner is and im renting now. The company is GE Money and Capital recoveries are chasing the debt ( the client name is still GE Money), the shortfall is half the house value which is annoying as clearly it was a quick sale. The problem is may next move, as they are threatening court action, i have never acknowledged the debt , and as yet not responded to their demands -they even offered a big discount (which i cannot pay anyway) Any advice on this would be very much appreciated, thankyou