1st Credit - Claim Form - AA loan

[esk_rod]

Name of the Claimant 1st Credit Finance

 

Issue date:25/11/14

 

What is the claim for – AA Loan

 

POC:

 

1.On 05/10/2005 the defendant entered into an agreement for a loan with the original creditor under ref no ~~~~~*********

2. On 11/01/2011 the defendant defaulted on the balance with and outstanding balance of £2220.

3. On 15/05/2013 the debt was assigned to 1st Credit (finance) lts in the sum of 2192 by the creditor.

A statutory notice of assignment was sent by the creditor.

And the claimant claimes the sum of 2192.

The claimant claims interest under section 69 of the county court act 1984 at the rate of 8% a year

from 15/07/2013-24/11/2014 on #2 (Sum here) and also interest at the same rate up to the date of judgment

or earlier payment at a daily rate of #0.47.

 

What is the value of the claim- 2200

Is the claim for a current or credit/loan account or mobile phone account? Loan

When did you enter into the original agreement before or after 2007? Before (2005)

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: Debt Purchaser

Were you aware the account had been assigned – did you receive a Notice of Assignment?

 

Did you receive a Default Notice from the original creditor? Yes

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Unsure

Why did you cease payments:- Redundancy & breakdown in communications

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

[dx100uk]

can you fill this out please

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-April-2014**(1-Viewing)-nbsp

[esk_rod]

Name of the Claimant 1st Credit Finance

 

Date of issue – 25th Nov

 

 

What is the claim for – AA Loan

 

What is the value of the claim- 2200

 

Is the claim for a current or credit/loan account or mobile phone account? Loan

 

When did you enter into the original agreement before or after 2007? Before (2005)

 

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: Debt Purchaser

 

Were you aware the account had been assigned – did you receive a Notice of Assignment?

 

Did you receive a Default Notice from the original creditor? Yes

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Unsure

 

Why did you cease payments:- Redundancy & breakdown in communications

 

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

[dx100uk]

can you answer ALL the questions please type the PoC out verbatim too [minus pers info]

 

 

dx

[dx100uk]

unless post 1 is correct.....?

 

 

dx

[dx100uk]

ok usual stuff then

as per you other claimform.

 

 

ack the claim

 

 

CCA and CPR.

 

 

tell us a bit more of the history of the debt please

 

 

last payment

is this on your credit file

etc etc

[esk_rod]

Yep- correct.

Requests sent- claim acked.

 

Haven't made a payment since its apparent assignation.

Checked credit record and there seems to be no trace of its life before 1st credit got their hands on it.

[esk_rod]

Hi DX...would it be OK to pop you or one of the site team a PM about this today.

[dx100uk]

only for the sole reason that you are posting personal info

which I cant see is of any relevance.

 

 

the rest should be posted on thread

 

 

dx

[esk_rod]

here is where we are at with this.

 

 

!st sent a letter advising change of legal representation.

 

They enclosed a copy of the agreeement along with a payment history.

 

They also stated they were familiar with the format of my letter and the debt payment it comes from.

 

They will not supply a copy of the deed of assignment as in their view I am not entitled to it as it contains sensitive commercial information.

 

They sent a copy of notice of assignment and state that as the loan has passed its maturity date

they take the view that a default notice is not required and suggested I propose settlement.

 

Since then my partner and I had a baby a month early (which fell on the week I was due to return the Directions Questionairre).

 

I have since recieved a 'General Form of Judgement Or Order'

which states neither claimant or defendant returned the DQ before the stated date.

 

This post all came from 1st C.

 

I have 7 days from the service date (2nd Mar) to reply to his

- I assume this 7 days does not include weeknends/non- court days?

 

Any help on next moves would be hugely appreciated.

[esk_rod]

As you will appreciate- I am sleep deprived so this has added to that and I am really wondering where to go with it.

[dx100uk]

you'll never see the deed

 

 

scan up the agreement & T&C's they have sent please

 

 

dx

[dx100uk]

pdf please

[esk_rod]

Here they are- thank you for your prompt reply

 

Hope these will do

[dx100uk]

atts unapproved

lots of pers info showing

 

 

follow:

 

 

HOW TO UPLOAD DOCUMENTS / IMAGES ON CAG IMMEDIATELY YOU DO NOT NEED 10 POSTS

.

IMPORTANT To protect your IDENTITY and ensure you remain ANONYMOUS on CAG

YOU MUST ensure that you REMOVE all Personal Information including Barcodes, Names, Addresses etc

.

ENSURE: To leave all Monetary Figures and Dates.

.

DO NOT USE A BIRO, PEN, SEE THRU TAPE OR LABELS TO EDIT THE INFORMATION

.

1. SCAN YOUR DOCUMENT

.

- Set your default scan page size to A4 less than 300 DPI (150 will do)

- Scan the required letters/agreements/sheets - as a picture (jpg) file

.

- Don't forget you can use a mobile phone or a digital camera too!!

.

- If you have multiple scans/pictures please put these into a WORD DOC first ensuring you have removed all Personal Information before converting to PDF.

if you dont have MSOFFICE, use openoffice its free and has a PDF converter.

- IPHONE ONLY: Take a picture and Convert to PDF via an APP

.

2. HOW TO EDIT (Remove Personal Information)

.

- Do this using MSPAINT.EXE or any Photo Editing program and ensure to save the document.

PLEASE TRY AND REFRAIN FROM POSTING FILES OF +1Mb in size

a single sheet of a4 should be about 50kb.

.

.

3. HOW TO CONVERT YOUR DOCUMENT TO PDF

.

- If you have OFFICE installed this has an installable PRINT to PDF option so use this and save as PDF.

- If you have PDF as an installed driver use this program and save as PDF.

.

OR Go to one of the many free online pdf converter websites:

.

- http://freejpgtopdf.com/

- http://www.convert-jpg-to-pdf.net/

- http://www.freepdfconvert.com/

- http://www.pdfmerge.com/

- http://www.primopdf.com/

.

PLEASE REMEMBER: It would be better to upload a Multi-page PDF rather than multiple Single PDFs.

.

4. BEFORE UPLOADING YOUR DOCUMENT ON CAG

.

- Logically Name your PDF File so Users know what it is. DO NOT NAME YOUR FILE USING BANK NAMES OR CAG IN THE TITLE

.

- For Example: Default Notice DDicon-MM-YYYY.

.

IMPORTANT To protect your IDENTITY and ensure you remain ANONYMOUS on CAG please ensure that you do a final check that all Personal Information including Barcodes, Names, Addresses etc. are REMOVED before carrying out the NEXT STEP

.

5. HOW TO UPLOAD YOUR DOCUMENT ON CAG

.

- In your Thread/Post open a new msg box here.

- Click 'Go Advanced' below the msg box.

- Click 'Manage Attachments' below that box.

- Click the 'Add Files' button on the top right.

- Click 'Select Files', navigate to your file(s) on your PC.

- Click 'Upload Files'.

.

- You DON’T have to put a link to the attachment in the msg box just upload it ……… JOB DONE

- You can click on your links to check them too!!

.

[esk_rod]

Sorry- hopefully these will be OK

[dx100uk]

I would suspect there should be a good few more pages of t&c's

 

 

dx

[esk_rod]

thanks for casting your eye over it D.

That is all that the DCA produced.

What are the implications of the lack of more T&C's?

[esk_rod]

That is definitely all they sent- how should I respond to this?

[dx100uk]

what does the 'General Form of Judgement Or Order' say please

[esk_rod]

The claimant and defendent you have been sent notice N1491A, B or C which specified the date by which you were required to return the directions questionnaire. You have failed to file the directions questionnaire with the CCBC by the specified date.

 

IT IS ORDERED THAT

 

It goes on here to say if either party fail to file the directions questionnaire their claim or counterclaim will be struck out.

 

Are there any finer details you need?

[Andyorch]

Just make sure you file and serve yours by the required date.

[esk_rod]

This is where I got confused- the order was dated 2nd and it said to file within 7 days.

I have missed this due to our baby being delivered prematurely.

The order came in post from FC BTW- not the court.

[Andyorch]

Ring the court and check the status...ask if you can submit your DQ today