Hello everybody first post on the forum I would like to know if its now time to give up and accept the CCJ Looking for some advice on how to proceed with a county court claim that has been issued against me. The case is now in the final stages with witness statements already been exchanged and the court date set for the 8th February. here is what has happened so far - Claimant - Merligen investments limited Claimant solicitors - Moriarty Law Amount claim - £281.28 Original creditor - Morse's club loans Issue Date: 26/07/2017 Particulars of Claim: 1.The claimants claim is for the balance due under an agreement (debt) with Morses club limited dated 02/06/2011 under which the defendant agreed to repay monthly installments but has failed to do so and which debt was assigned to the claimant on the 17/03/2014 and notice of which was given to the defendant on 17/03/2014 and which debt is now due and payable. 2.and the claimant claims the sum of £191.00. The claimant also claims interest thereon pursuant to S.69 county court act 1984 limited to one year to the date hereof at the rate of 8.00% per annum amounting to £15.28 _____________ CCA and CPR 31.14 requests sent 03/08/2017 _____________ letter received from Moriarty law acknowledging the requests but no documents - 08/08/17 ______________ 28/08/17 Defence filed with the court. ______________ 15/09/17 acknowledge of defence - Claimant proceeding with the claim ______________ 28/09/17 Directions questionnaire sent to court and claimants solicitors, agreed to mediation _______________ 08/08/17 - Call from mediation told was unsuitable since i have received no documents _______________ 08/11/17 - Date set for the 8th February, witness statements to be sent to the court and claimants solicitors no later then 21 days before the hearing. _______________ 16/01/18 - Sent my witness statement all be it very basic with the letters i have sent and stating i have not received any documents. _______________ 18/01/18 - Received the witness statement from claimants solicitors Contained the following documents - CCA which is signed but with no date (Not sure if the undated cca makes any difference) Statement of account Notice of assignment 3 letters they have sent to me in 2014, 2016, 2017 _______________ Please go easy on me this is the first CCJ i have ever tried to defend, not sure if i have missed anything out. I know the claim is not for an awful lot of money but even that amount i will struggle to find. Any help would be greatly appreciated, thanks for reading

Hi I have received a mail yesterday from Merligen investment limited. There are three pages in the envelope. One with Merligen investement logo and the other with £Money Junction logo. both have the same body of text which I shall copy here: 14 December 2017, Re: Money Junction limited/Curlywig Limited Your account New reference balance due [redacted] £1072.91 [redacted] £12 We give you notice that Money Junction Limited assigned to Merligen Investments Limited all of Money Junction Limited rights in to and under the above detailed account on 30 November 2017. As a result of this assignment the full amount outstanding on the accounts is now due to Merligen Investment Limited. Following the assignment of these accounts Merligen in vestments limited is the data controller of your information in respect of these accounts and has the same rights to give information to credit referencing agencies about the personal debt that you owe in respet of these accounts, for example if you have fallen behind with your payments. Your accounts are now being managed by Moriarty Law Limited and all communications and payments should now be directed through Moriarty Law Limited. Please ensure that you or your 3rd party representative who is advising you, contacts Moriarty Law Limited following receipt of this letter. They can review your circumstances and agree an affordable repayment amount. The process can be dealt with quickly over the telephone. Please contact 02031264544 and their advisors will be pleased to assist you further. Yours failfully signed: Merligen investment ltd. The other page is actually the same body of text and signed at the bottom: MoneyJunction. Now, I do not recognise the amount owed or the companies involved. I have a personal debt with Barclays Bank which is running smoothly and I have never been behind the payments. All my bills are paid by direct debit and only store card I have is with NEXT and I am paying them back on time. I rang the the 0203 number and the office was closed left a message saying I received their letter but I don't recognize the content and left them my phone number, no one has called me back. There is another phone number for Money Junction at bottom of their letter and its out of action. The 'Curlywig' I searched for on the internet and it is a PPI company. The Merligen is an investment company but I don't exactly understand what the nature of their business is, are they debt collectors? Why haven't they been more specific and say what the debt is for because I do not recognize it. I never had a demand for payment from any of these companies. Yesterday as you can imagine I was first shocked then angry then sad. But I have decided to try to get to the root of this problem that has presented itself coming to Christmas! they know when to strike, don't they? sorry to go on but I thought someone here might be able to shed some light on this matter, maybe people had similar circumstances? I am planning to phone them tomorrow as its a Monday and then perhaps go to Citizen Advice. Thank you for reading my post

Hi I had a small debt with a door step shark(Morses) which after the agent stopped collecting ended up going to a DCA. This morning a letter from Moriarty Law came informing they intend to take court action... After I stopped laughing I did a little digging and have found the following... The address of this law firm 15 Old Bailey, London EC4M 7EF is a virtual office.. . Bit more digging revels that the name of the firms director is also the same as Merligen Investments Ltd. So in other words it's not a real law firm but a in house dept using a Virtual office to look like a real law firm...... Now I seen a some bits about this in the papers of late the biggest been Wonga who had to pay customers compo and stop using the pratice... Does this mean that this investment firm have broke the law/ need reporting or what? Never had dealings with this firm or come across them before so before I make them a final payment offer I just wondered if I have ammo to twist their arms into taking a low offer.

Hi... Thanks for taking the time to read. I will try and keep it brief and straight to the point. I entered into a finance agreement on 21/11/2007 with Clode Retail Finance, now V12 Finance, (dabs: computer I think) for £1013. I kept up repayments of £26 a month until March 2009. Checking my noddle credit report it shows that on 26/03/2010 the account was ended and settled. This was after more than 6 months of non payment and it is now showing as DA (debt assigned) on the March 2010 entry. I assumed at the time it had been defaulted. I have received countless letters over the past 3 years from numerous DCA's. One in particular I remember was PDP Management Services Ltd. I ignored them all and haven't received anything from any company in the past year. I checked my Noddle report today and I now see a default has been registered on 11/03/2013 for £875 (the closing balance was £805) by Merligen Investments. I have had no letters or contact from them at all. I'm convinced that letters in the past from other companies mentioned it had defaulted in 2010. I need to either get the default date moved to the date the account was closed (which I assumed this was the date they had defaulted it... seems they haven't by DA on credit file). Or... get in touch with them and come to an agreement to pay the default and ask them to remove it from my file as it was issued 3 years after the account was 6 months in arrears and had been closed (ico guide says: "Accounts should normally be filed as being in default where those payments due have not been received for six months.") Also, I haven't received any correspondence from this Merligen DCA to inform me it will be defaulted. Any ideas what my best cause of action would be to get this sorted? Thanks Also... this only appears on my noddle(callcredit) report. There is no record of any of it on my equifax report and only a settled in 2010 with V12 Finance on my experian report. Update: Emailed Merligen 15/05/13 basically asking them to amend the date to the original default date (if it was defaulted in 2010) or to completely remove the default as it was registered 3 years after (stating ICO good practice for filing defaults 3-6 months)... Also mentioned haven't received no default notice or warning from them. I will update thread on any replies...

Hi... Thanks for taking the time to read. I will try and keep it brief and straight to the point. I entered into a finance agreement on 21/11/2007 with Clode Retail Finance, now V12 Finance, (dabs: computer I think) for £1013. I kept up repayments of £26 a month until July 2009. Checking my noddle credit report it shows that on 26/03/2010 the account was ended and settled. This was after more than 6 months of non payment and it is now showing as DA (debt assigned) on the March 2010 entry. I assumed at the time it had been defaulted. I have received countless letters over the past 3 years from numerous DCA's. One in particular I remember was PDP Management Services Ltd. I ignored them all and haven't received anything from any company in the past year. I checked my Noddle report today and I now see a default has been registered on 11/03/2013 for £875 (the closing balance was £805) by Merligen Investments. I have had no letters or contact from them at all. I am 90% certain that letters in he past from other companies mentioned it had defaulted in 2010. Can they do this? Is there anyway I can get this default removed or at least dated back to 2010? Also... this only appears on my noddle(callcredit) report. There is no record of any of it on my equifax report and only a settled in 2010 with V12 Finance on my experian report.