JCI/Moriarty PAPLOC now claimform - disputed old Talk talk landline/broadband debt

[surrey_36]

I should have just paid this and be done with it years ago but talk talk kept disconnecting my internet and phone when payment was late and so I decided to get rid of them.  

They gave me a cut off date and disconnected me several days before the quoted date leaving me with no backup plan in place to work from home.   

I have been arguing this point with them for years and lowell have been chasing me.  

Last communication was from me to talk talk and Lowell stating that I would pay the amount £100 if they would agree to remove the default they issued on my credit file.  

they did not respond to this email that I sent on 17/4/23 but rather sent a county court claim for £271.28.  
 

pretty miffed given I tried making offer which they ignored and didn’t respond 

[dx100uk]

please complete this:

dx

[surrey_36]

Hiya DX - thank you

Which Court have you received the claim from ? Civil National Business Centre

Name of the Claimant ?JCI

solicitors  Moriarty Law Limited
Cobb House
2-4 Oyster Lane
Byfleet KT14 7DU

How many defendant's  joint or self ? Just me

Date of issue – 17/8/23

Particulars of Claim

1. The claimants claim is for the balance due under an agreement with talk talk dated 3/5/18 which was assigned to the claimant on 03/09/20 and which is now all due payable. 

2.The defendant agreed to pay monthly instalments under account number xxxxx but has failed to do so.

3.And the claimant claims the sum of £172.49. 

The Claimant also claims interest thereon pursuant to s.69 county court act 1984 limited to one year to the date of hereof at the rate of 8.00% per annum amounting to £13.79

What is the total value of the claim?£271.28

Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) Yes and I replied to them and tried to negotiate
 

Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No

Did you inform the claimant of your change of address? N/a

Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? LL/BB
 

When did you enter into the original agreement before or after April 2007 ? After
 

Do you recall how you entered into the agreement...On line /In branch/By post ? Online or by phone
 

Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes - they defaulted the agreement when i was querying the debt.
 

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? Unsure
 

Did you receive a Default Notice from the original creditor? No
 

Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? No
 

Why did you cease payments? Becuase they did not resolve my complaint
 

What was the date of your last payment? My bank statements dont go back that far 10+yeas ago
 

Was there a dispute with the original creditor that remains unresolved? Yes
 

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes I communicated my financial and personal problems but did not enter into a management plan for the debt as I felt they had been unfair and was looking for a fair resolution for example cutting the debt by 50% because they cut off the service before the quoted date,
 

 

[dx100uk]

claimant is not moriarty...

dx

 

[surrey_36]

Sorry its

JC International Acquisition LCC
16 McLeland Road, St Cloud, Minnesota, USA, 56303

[dx100uk]

pop up on the MCOL website detailed on the claimform.
[if mcol is not working return after the w/end or the next day if week time]
.
 register as an individual on the Gov't Gateway Site
Go to HMRC's login page.
Click the GREEN sign in button.
Click “Create sign in details”
Enter your email address where asked.
You will now be emailed a confirmation code. ...
You will now be issued with a User ID for your government gateway account.
 note down your details inc the long gateway number given, you might need it later.
 then log in to the MCOL Website
.
 select respond to a claim and select the start AOS box.
.
 then using the details required from the claimform
.
 defend all
 leave jurisdiction unticked
 you DO NOT file a defence at this time
[BUT you MUST file a defence regardless by day 33 ]
click thru to the end
confirm and exit MCOL.
..
get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant]
 
https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/

 type your name ONLY
Do Not sign anything
.do not ever use or give an email
.
you DO NOT await the return of ANY paperwork 
you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]

..............

 

[dx100uk]

so the mention of lowells in your 1st post is wrong too this was JCI?

dx

 

[whitelist]

Received a recent email letter from JC International Acquisition LCC myself.

Can I ask how old this Talk Talk debt is and when did Lowels/moriarty on behalf of JC International Acquisition first contact you? Expecting the same soon myself?

[dx100uk]

lowells i suspect is nothing to do with this at all a typo.

theres no relation between them and JCi/moriarty .

 

[surrey_36]

Sorry this was my mistake it was never Lowells - its JCI then now Moriarty Law.

 

Have filed response online and done ass you said DX.  Letter in post (recorded) for CRP 31.14

 

Thank you for help will keep thread updated when response comes in

 

Thank you

[whitelist]

How long ago did JC International Acquisition first contact you?

How long was it before they issued the intention to issue a court claim?

[dx100uk]

theres no benchmark, they could leave it till near sb date to gain as much interest on their claim as they can, or they could issue it tomorrow ....as long as they've abided by the PAPLOC no-one can tell

dx

 

[dx100uk]

dont miss your defence filing date no matter what

dx