HPH2/Cohen - Letter of Claim re:Pre-action protocol - Lloyd's credit card

[tinyhound]

Hey all, this just resurfaced after over 3 years-how do i respond to this?

 

Letter of claim

 

 

We act for HOIST PORTFOLIO HOLDING 2 LIMITED and write to inform you of its intention to issue proceedings in the county court fot the above outstanding amount (£2609)that you have failed to repay.

 

Details of debt:

This debt originates from a written agreement betwen the original creditor (lloyds credit card) and you.

The agreement was subsequently terminated when its terms were not complied with.

 

Our client later purchase this account and it was legally assigned on 08/09/2015.

The notice of assignment has previously been provided to you. (never got it).

 

There have been no interest or administartive fees/charges applied to your account since we aquired it.

 

You should note this letter is being sent in accordance with the pre-action protocol for debt claims of the civil procedure rules.

 

The court rules comfirm the actions either party must take before a matter goes to court.

We should point out that paragraph 7 sets out its expectations for you and our client in how to comply with the protocol.

 

Despite our clients of it's agents Robinson way limited attempts to engage with you to agree a suitablle payment plan, the above amount remains unpaid.

 

It then goes on to tell me i need to complete the enclosed information sheet,

reply form and income and expenditure form,

and tells me i am required to make payment within 30 days and

 

 

if i don't respond, a claim will be issued in the county court without further notice.

 

What do i do here? I have no information on this,

do i have to complete their form? is that admitting liability for the debt?

can I send a CCA?

 

Please help

[dx100uk]

When did you last pay it?

[tinyhound]

pretty sure it's sb next feb

[fkofilee]

So they are adhering to the new rules bought in on the 1st Oct - Interesting...

[tinyhound]

i don't know what to do though

[dx100uk]

Well does it say you HAVE to anything?

[AndyOrch]

https://www.consumeractiongroup.co.uk/forum/showthread.php?481827-The-Pre-Action-Protocol-for-Debt-Claims-is-made-by-the-Master-of-the-Rolls-as-Head-of-Civil-Justice.-1st-Oct-2017