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Received a claim? Yes
Issue Date: 05/12/18
Have you Acknowledged the Claim?: Yes 06/12.18
Total Amount Claimed : £3xx
Claimant’s Name: Prac Financial limited
Solicitors Firm: BW legal
Original Creditor: Instant Cash Loans Limited t/a Payday UK
Original Debt : loan
Particulars of Claim:The claimant's claim is for the sum of £3xx being monies due from the defendant to the claimant under a loan agreement regulated by the Consumer credit act 1974 between the defendant and instant cash loans limited t/a payday uk under account reference xxxxxxxx and assigned to claimant on 09/12/2016, notice of which has been given to the defendant. the defendant failed to maintain the contractual payments under the terms of the agreement and a default notice has been served and not complied with. The claim also included statutory interest pursuant to section 69 of the county courts act 1984 at a rate of 8.00% per annum (a daily rate of £0.05) from the data of assignment of the agreement to 04/12/2018 being an amount of £xx.
Is the debt Statute Barred (have you had any contact with the creditor or claimant over the last 6 years?): it should Statute Barred from my records 15/10/2012 when i took out the loan not made single payment or any agreement also i've not been in contact with company.
List any letters you have sent (eg: CCA/ CPR ): None
Any Other Information or Background Details: None
What would my next steps be? as this is a statuted barred debt would that factor into what my defense would be? should i send a CCA request? or just contact them telling them the debt is statuted barred
thanks in advanced
Issue Date: 05/12/18
Have you Acknowledged the Claim?: Yes 06/12.18
Total Amount Claimed : £3xx
Claimant’s Name: Prac Financial limited
Solicitors Firm: BW legal
Original Creditor: Instant Cash Loans Limited t/a Payday UK
Original Debt : loan
Particulars of Claim:The claimant's claim is for the sum of £3xx being monies due from the defendant to the claimant under a loan agreement regulated by the Consumer credit act 1974 between the defendant and instant cash loans limited t/a payday uk under account reference xxxxxxxx and assigned to claimant on 09/12/2016, notice of which has been given to the defendant. the defendant failed to maintain the contractual payments under the terms of the agreement and a default notice has been served and not complied with. The claim also included statutory interest pursuant to section 69 of the county courts act 1984 at a rate of 8.00% per annum (a daily rate of £0.05) from the data of assignment of the agreement to 04/12/2018 being an amount of £xx.
Is the debt Statute Barred (have you had any contact with the creditor or claimant over the last 6 years?): it should Statute Barred from my records 15/10/2012 when i took out the loan not made single payment or any agreement also i've not been in contact with company.
List any letters you have sent (eg: CCA/ CPR ): None
Any Other Information or Background Details: None
What would my next steps be? as this is a statuted barred debt would that factor into what my defense would be? should i send a CCA request? or just contact them telling them the debt is statuted barred
thanks in advanced
