yes

so how should i defend it?

copies of agreement attachment print.pdf

Name of the Claimant ? MONEY BARN Date of issue – 17.06.2016 What is the claim for – the reason they have issued the claim? 1.Breach of a consumer credit act 1974 regulated agreement 2.The clamiant entered into a conditional sale agreement regulated by the consumer credit act 1974 which the defendant numbered xxxx on early 2014 for the conditional sale of a car 3.The date of maturity of agreement is march 2018 4.The vehicle was declared a total loss by defendants insurance the clamant received an insurance payout from defendants insurer however in breach of clause 3.6 agreement this was not received within one month of the date of the total loss 5.the claimant served a default notice which was not remedied therefore the clamiant terminated the agreement. 6.Total rental payable 24k plus charges Total sum paid 20k Insurance proceeds 11.5 k Total sum out standing is 4000 including extra charges full details which have been supplied to the defendant 7.The clamiant claims The sum 4000 Interest pursuant to the agreement at the rate of 26.9% form march 2018 to the date of maturity of the agreement until full payment What is the value of the claim? 4500 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? No When did you enter into the original agreement before or after 2007? AFTER 2014 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. ORIGINAL CREDITOR Were you aware the account had been assigned – did you receive a Notice of Assignment? NOT APPLICABLE Did you receive a Default Notice from the original creditor? YES issued 14.10.15 Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? NO Why did you cease payments september 15 What was the date of your last payment? 1.9.15 The insurance co gave a cheque on 11.11.15 I have a copy of the original agreement

Had a car on finance with money barn the car was involved in an accident and the insurance company wrote the car off the finance company said the settlement was 12,813.66 the insurance company offered 11365 leaving 1448 pound owing i told the finance company i didn't have the difference to settle the agreement but they went ahead and accepted the insurance companies offer and released any security over the car.. money barn are now demanding 4512.48 via a claimform under breach of the agreement and requesting full interest up to the 19th march 2018 when the agreement should end my question is can they do this or am i able to fight it??