Hey all I'm just in the process of defending a CCJ. Does anyone know whether a payday loan falls under 77, 78 or 79? Apologies if the numbers are wrong but it's fixed term loans, catalogues etc. Thanks

I’ll do exactly as you say. Would the statute expire if it goes beyond August? I may need more defence with this in future. Should I reply back to this link? I will happily donate towards the future of CAG group in future. Thanks

Thanks again Andy. I’ll do as you’ve suggested tomorrow. If I’m defending then do I have a defence? If I get rejected would I then not be able to pay monthly or would it be within 28 days and if not I have bailiffs round?

Thanks for your help Andy. Really appreciated. Questions answered below in caps. Name of the Claimant ? LANTERN DRS LIMITED (FORMERLY MMF) PROTECTION HOUSE, 83 BRADFORD ROAD, PUDSEY, WEST YORKSHIRE, LS28 6AT Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 20 JUL 2018 Particulars of Claim What is the claim for – the reason they have issued the claim? Please type out their particulars of claim in full (verbatim) less any identifiable data and round the amounts up/down. THE DEFENDANT OWES THE CLAIMANT £1300 UNDER A REGULATED LOAN AGREEMENT WITH CASHEURONET LLC T/A QUICK QUID DATED 29/08/2013 AND WHICH WAS ASSIGNED TO THE CLAIMANT in 20/12/2107 AND NOTICE OF WHICH WAS GIVEN TO THE DEFENDANT ON THE 20/12/2017 (DEBT). DESPITE FORMAL DEMAND FOR PAYMENT OF THE DEBT THE DEFENDANT HAS FAILED TO PAY AND THE CLAIMANT CLAIMS £1300 AND FURTHER CLAIMS INTEREST THEREON PURSUANT TO SECTION 69 OF THE COUNTY COURT ACT 1984 LIMITED TO ONE YEAR TO THE DATE HEREOF AT THE RATE OF 8% PER ANNUM AMOUNTING TO £103 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? NO. I HAVE RECEIVED LETTERS BUT NOT ONE SAYING IT WOULD GO TO COURT. I HAVE MOVED ADDRESS SINCE TAKING THIS OUT BUT NOT WITHIN THE LAST 3 YEARS What is the total value of the claim? £1552 INC COURT AND LEGAL Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? PAYDAY LOAN When did you enter into the original agreement before or after April 2007? AFTER 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'S BEEN MOVED FROM QUICKQUID TO LANTERN TO MORIARTY LAW Were you aware the account had been assigned – did you receive a Notice of Assignment? NOT THAT I REMEMBER Did you receive a Default Notice from the original creditor? I MAY HAVE DONE BUT THIS WAS NEARLY 6 YEARS AGO SO CAN'T REMEMBER Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? NO I HAVEN'T Why did you cease payments? I GOT MADE REDUNDANT UNEXPECTEDLY AND EVERYTHING GOT ON TOP OF ME AND I WAS STRUGGLING TO GET BY. IT WAS TAKEN WITH GOOD INTENTIONS AS I WAS WORKING WHEN I TOOK IT OUT What was the date of your last payment? SOME TIME IN 2013 I THINK 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 Thanks for your help in advance.

Hello Really hoping someone can help. I've received the the forms from court regarding a outstanding debt owed to moriarty law, formerly Lantern and formerly MMF on behalf of poundstopocket. I know I have to respond within 14 days but I really don't want a CCJ because this will affect my future employment and potentially affect my current job. I'd really like to avoid the CCJ but can't afford to pay the full amount at once although I may be able to do over 6 months. Do I have any options as I'm really worried or should I just send the admission and come to a pay monthly agreement and accept the CCJ as satisfied. Thanks