So offering an amount in full and final settlement (which I sent in June this year) doesn’t constitute acknowledgment of a debt? I just want to be sure I’ve understood correctly and explained myself fully.

No, nothing that says that. Have I not reset a clock by communicating with them and making an offer of settlement?

Hello all you have previously assisted me. I have received letters from Lowell to my new address - chasing an Argos card account that I allowed to default (I got myself into a bit of a situation - I buried my head in the sand and allowed my gambling addiction to be what drove me for some time. No one’s fault but myself). I did a CCA request as I thought they might not provide the information - except, they did! so, I responded to this by making a full and final settlement offer… They have said they will leave me alone for 30 days but have asked me to confirm source of funds for this offer. the last payment I made was November 2016. so, have I erred monumentally? ready for the feedback…

Yes, was received. Sitting on my hands has never been a strong point.

I’ve read some other threads, rather my understanding of some of the language is not tremendously good. Thank you for your help.

Morning. Had no response to any info request at all, other than a letter saying information had been requested as it wasn’t currently held. Given that 28 days have passed, next step is to approach the court, I believe? Or should I be allowing some extra time for any post to arrive, given COVID? MCOL still shows we are at the defence stage in the recent transactions box. Thank you for your advice.

As advised. I can’t thank you enough. 1.By an agreement between New Day Ltd RE Aqua & the Defendant on or around 21/03/2014 (the Agreement) New Day Ltd RE Aqua agreed to issue the defendant with a credit card. 2.The Defendant failed to make the minimum payments due. 3.The Agreement was terminated following the service of a default notice. 4.The Agreement was assigned to the Claimant. The Claimant therefore claims £2539.88 and costs. defence The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any allegation to which a specific response has not been made. The Claimant has not complied with paragraph 3 of the PAPDC (Pre Action Protocol) - Failed to serve a letter of claim pre claim pursuant to PAPDC changes of the 1st October 2017. It is respectfully requested that the court take this into consideration pursuant to 7.1 PAPDC. 1. Paragraph 1 is noted. I have in the past had financial dealings with New Day Ltd RE Aqua. I do not recall the precise details of the agreement and have sought clarity from the claimant. 2. Paragraph 3 is noted, however, I do not recall ever receiving a Default Notice pursuant to sec 87(1) CCA1974. 3. Paragraph 4 is noted, however I do not recall ever receiving this notice pursuant to sec136 of the Law of Property Act 1925. 4. On receipt of this claim I sent CPR 31.14 and section 78 request. The claimant did partially comply but failed to provide a valid copy of the agreement and therefore remains in default of said request. 5. It is therefore not accepted with regards to the Defendant owing any monies to the Claimant and the Claimant is put to strict proof to:- a) show how the Defendant has entered into an agreement ; and b) show how the Defendant has reached the amount claimed for; and c) Show or evidence service of a Default Notice/Notice of Sums in Arrears, d) show how the Claimant has the legal right, either under statute or equity to issue a claim; By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.

Ok. That’s done. now to file many thanks

So this is good to submit? thank you 1.By an agreement between New Day Ltd RE Aqua & the Defendant on or around 21/03/2014 (the Agreement) New Day Ltd RE Aqua agreed to issue the defendant with a credit card. 2.The Defendant failed to make the minimum payments due. 3.The Agreement was terminated following the service of a default notice. 4.The Agreement was assigned to the Claimant. The Claimant therefore claims £2539.88 and costs. defence The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any allegation to which a specific response has not been made. 1. Paragraph 1 is noted. I have in the past had financial dealings with New Day Ltd RE Aqua. I do not recall the precise details of the agreement and have sought clarity from the claimant. 2. I do not recall ever receiving a Default Notice pursuant to sec 87(1) CCA1974. 3. I do not recall ever receiving this notice pursuant to sec136 of the Law of Property Act 1925. 4. On receipt of this claim I sent CPR 31.14 and section 78 request. The claimant did partially comply but failed to provide a valid copy of the agreement and therefore remains in default of said request. 5. It is therefore not accepted with regards to the Defendant owing any monies to the Claimant and the Claimant is put to strict proof to:- a) show how the Defendant has entered into an agreement ; and b) show how the Defendant has reached the amount claimed for; and c) Show or evidence service of a Default Notice/Notice of Sums in Arrears, d) show how the Claimant has the legal right, either under statute or equity to issue a claim; By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.

Ah. Ok. So add that point in and that is ok to submit? thank you for your help. I can’t donate a lot but will pop a few pennies in.

I really don’t recall seeing one. My sister went through the house a while ago - I’d have hoped she wouldn’t have thrown any unopened mail away. This worries me. Am I up the creek?

I don’t recall seeing one - but that’s not a stone cold guarantee one didn’t arrive.

Does this look better? thank you. Particulars of Claim 1. By an agreement between New Day Ltd RE Aqua & the Defendant on or around 21/03/2014 (‘the Agreement’) New Day Ltd agreed to issue the Defendant with a credit card. 2.The Defendant failed to make the minimum payments due. The Agreement was terminated following the service of a default notice. 3.The Agreement was assigned to the Claimant. The Claimant therefore claims 1. 2539.88 2. costs total 2724.88 1. The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. I have in the past had financial dealings with New Day Ltd. I am unaware of what alleged debt the claimant refers to having failed to adequately particularise its claim. 3. I can’t ever recall receiving any Default Notice, Notice of Assignment or ever having being approached pre litigation with regards this alleged debt. 4. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of assignment/balance/breach requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant has entered into an agreement with the Claimant; and (b) show how the Defendant has reached the amount claimed for; and (c) show how the Claimant has the legal right, either under statute or equity to issue a claim; 5. On receipt of this claim I requested by way of a CPR 31.14 request and a section 78 for copies of any documents referred to within the Claimants particulars to establish what the claim is for. To date they have failed to comply to my section 78 request and remain in default and with regards to my CPR 31.14 request. 6. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 7. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the Consumer Credit Act 1974. 8. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.

So change agreements to financial dealings. Mention no default notice received. Remove NOSIA? Thank you so much for your help and advice.

I can see there’s a mistake relating to Paragraph 2 being mentioned - will fix.