Yes I'm now on MCOL my case is on screen, I've got here a different way I think.

I got an MC number.

I can now see start AOS 

Moneyclaim online 

My AOS was submitted 24/05/2024

Thank you for your patience and instructions.

H

Hi I have found my old log in details, relieved to say the least, I'm currently logged on, respond to a court claim.

Options are.

Respond using the MoneyClaim online service.

Respond using online civil money claims service.

Which do I choose can't see any AOS.

Cheers 

H

Hi dx

I rang yesterday 10.54.

I've got an email reply today from hmrc online support they are going to let me know within 2 working days how to deal with this issue 

Got a reply from hmrc help desk, wasn't much help just telling me to make sure everything is filled in correctly.

Everything was cross checked by my partner.

My Mrs has just said I may have filled a gateway account many years ago, I'm not sure, but that would have been the same details, just a different email address, the old one I can't access to look back on.

Thanks H

Ok cheers dx usually on in afternoon

Thanks H

Ok I got the gov gateway set up with 12 digit and a password,

I've tried to log in and it requested ID passport, driving licence etc,

No won't give me access

I've entered twice and my partner double checked.

I've tried the moneyclaim.gov.uk that won't,

I've rang the help number 20 min unanswered call,

I've emailed the help line on the claim form no answer and I've emailed government gateway help.

Time running out

I've used payslip, passport, driving licence, still can't identify me, everything is upto date address etc, 1 attempt left then it blocks me

H

I've created an account all I have is make a MoneyClaim

Can't find your guide dx, I'm on gov.uk site but it's asking me to make a new MoneyClaim that's the only option showing on menu

H

No I was using the moneyclaim.gov.uk as on claim form instructions.

H

Hello

I tried yesterday morning on moneyclaim it would not recognise my claim no and again this morning still wouldn't.

I downloaded the cpr form to fill in and parts of the letter I can't overwrite ie (Claimant name) (my name) these parts won't. 

Thanks 

Ps in the delete if not in particulars it only mentions assignment

H

Thank you dx I'll get on with it 

Much appreciated 

H

Which Court have you received the claim from ? Northampton 

Name of the Claimant ? lowell

Solicitors : Overdales solicitors 

How many defendant's  joint or self ? Self

Date of issue –   13 may 2024

AOS date 31st may

defence filing date 14th june

What is the claim for – the reason they have issued the claim?

1. the claim is for the sum of £6163.61due by the defendant under an agreement regulated by the consumer credit act 1974 for hsbc uk bank plc. Account (16 digits)

2. The defendant failed to maintain contractual payments required by the agreement and a default notice was served under s 87(1)  of the consumer credit act 1974 which as not been compiled with.

3. The debt was legally assigned to the Claimant on 23/08/23, notice on which as been given to the defendant. 

4. The claim includes statutory interest under S.69 of the county courts act 1984 at a rate of 8% per annum from the date of assignment to the date of issue of these proceedings in the sum of £117.53 the Claimant claims the sum of £6281.14.

Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ?   Not to my knowledge.

Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No

Do you recall how you entered into the agreement...On line /In branch/By post ? Online but it was for a smaller amount they kept on increasing this with me asking

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. It was assigned to a debt collection agency 

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? Yes I also made offers to pay original creditor a smaller amount but was not replied to

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? I was made redundant and got a less paid job I also spent some time on furlough during covid and spent some 3 months on ssp off work.

What was the date of your last payment? May 2021

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes at the time I communicated with all my creditor's that I was running out of funds to pay the original agreements once my redundancy money ran out that was when my accounts defaulted. I then wrote to all my creditor's with pro rata offers of payments but debt collectors took over the accounts.

..

Hi

I sent the letter to prove the debt 14/05/24 recorded next day delivery.

I then received a county court pack on 25/05/24. I've not yet received anything from ovrrdales re proff of debt. Must have crossed paths.

The clock is ticking to return the pack.

What next step 

TIA 

Original credit agreement for them to prove the debt.

Post 2 is the pro rota, I did this to the Original creditors sometime ago with offers of payment i got no reply, soon after the dca started sending me letters and phone calls.

Thanks 

Hi dx

Ok I'll send the oca letter when I get home. Thanks

Hi dx just the man thanks for your reply,

I've got a letter of claim from overdales re a credit card

but I've accidentally let it go over by 5 days,

can I in delay this while i send the oca letter to them.

Thanks

Hi

I've dropped myself init now.

Just found a letter of claim down back of my radiator, it's gone over date by 4 days,

i was waiting for one to arrive so i could send off a CCA letter, what is my position now.

Hi folks

Just a quick catch up on how things have progressed had lots of phone calls and letters from dca, all ignored not spoke to any of them.

Got my 1st threat of NEXT step legal action. CCJ threats.

Do I now ask them for proof of credit agreement.

Also could I send the original lender a mis sold credit complaint due to constant credit increases without me asking.

Thanks H

Hi 

I was informed at work on 06/01/23 that I was speeding in a company vehicle at 35mph in a 30mph zone this was at 12.23pm on 30/11/22, I have just received notice of requirement to provide driver details  on 02/02/23.

What time scales if any are legal requirement to inform me of prosecution 

Regards Hugo 

My original offer of payment was more, but at moment not agreed anything it will drop to £1 per month as circumstances changed.

Last year I sent in my income and expenditure, with an offer of payments.

I haven't been contacted by my creditor's but all have now been passed to debt collection agency,

One dca caught me off guard on a telephone call, I made a complaint about this to the dca that I had offered payment and not had any response from my creditor, they then said they would send my files back to the creditor and close my file which they have, the creditor then sent me a letter apologising for this mistake and offered me £75 as compensation which i cashed last week.

I'm now thinking that they have breached GDPR and now looking to buy a way out

Any advice maybe all the others have breached GDPR how would I find out, and could I still make a complaint against the one that sent £75 

Cheers

Ok here an update on situation.

All but one of my creditors have put my accounts on hold until 22/11/21, which is fine seeing I was off work sick for 3 month, the time is given for me to get an up to date income and expenditure sent off.

The one creditor has been adding interest and late fees on my account and ignored all letters I have sent, I get phone calls, messages, letters etc of them regularly, they have not responded to my original letters to them regarding my situation. I have now had visit of resolvecall agency.

I was not in but a note was put in my letter box, I'm assuming it's from them.

Do I make contact or ignore them or do I contact the creditor again.

Hi Sent the 2nd libary letter off, none have accepted my 1st offer or even indicated they have received the first letter, getting phone calls and voice mails daily, (I've not answered them) I've letters coming weekly to phone them to discuss. Also late charges being applied to accounts. 

Cheers dx, thank you.

Think they are ignoring my letters as I sent out 2 other letters same post changing my direct debits to insurance companies they have received them and processed them to my new account.

Regards 

Hi people

Been a week since i posted pro rata letters 1st class to creditors so they probably got them on Monday I was expecting phone calls or letters to come from them, I've not heard anything until a text message today from a card stating payment is due today if unpaid a £12 charge will be made.

Should I phone them and tell them I've sent letters

Cheers

Hi, 

All letters sent out with offer of payments, expecting contacts from them in next few days nothing in default yet 18th of month will be the first missed payment on the loan. I wasn't ignoring dx100uk advise, maybe trying to save face and get some other kind of income.

Loan 4 years old 

2 cards over 5 years 

2 cards approx 2 years 

Thanks