Thank you very much, you have been most helpful, I’m reading up now and doing the letters now 

So if I’m correct I send the CCA to DCA and pap form to solicitors? 
is the DCA Link? 
thank you, it’s a lot f information 

Thank you, so I just fill in the reply form following instructions from the thread. 
what happens next? Apologies, I’m new to this 

Hi, it was a credit card, and stopped paying around 2020, thank you 

Hi do I use the template and Pap form? 
thank you very much 

Hi, I’m new to the site and desperately looking for some advice please.

I have today received a letter from Kearns solicitors dated 08/02/23 with a letter of claim. 

the letter states they have been instructed to act on behalf of LC Asset 2 S,.a.r.l,

the debt was legally assigned to LC Asset on 19/07/22 with Link financial Outsourcing limited being appointed to administer and recover the account.

The original agreement was 29/05/07, the original creditor Bank of Scotland , if required you may request a copy of the credit agreement. 
 

due to your default the full balance is due and outstanding, Link Financial  Outsourcing Limited has attempted to negotiate repayment of the account with you but has however been unsuccessful. 
 

Failure to respond will result in court proceedings against you.

I simply stopped making payment around Covid as could no longer afford to do so, I think I had a short payment break and simply never reinstated payment. The balance owed is is £3;376,62, probably late payment fees etc added.

are LC Asset  2 and Link Financial the same. Company?

Or has the debt been bought twice?

I am in no position to offer any repayment at the minute How do I defend this please?

What is likely going to be the outcome? Will I receive a CCj?