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Hi, I've received a letter from Northampton Court today about a debt from Asset Link Capital. I'm extremely worried as a CCJ could result in me losing my job.
Received a claim? Yes/No:Yes
Issue Date:23rdNovember 2018
Have you Acknowledged the Claim?:No
Total Amount Claimed: £1600
Claimant’s Name:Asset Link Capital
Solicitors Firm:Kearns Solicitors
Original Creditor:Newday LTD
Original Debt (eg. Credit card/Loan/Overdraft) : Store Card
Particulars of Claim: The claimant claims the whole of the outstanding balance due and payable under an agreement referenced XXXX and opened effective from 14/03/2013. The agreement is regulated by the Consumer Credit Act 1974, which was signed by the Defendant and from which credit was extended to the defendant. The defendant failed to make payment as required and by 26/06/2018 a default was recorded. As at 09/07/2018 the defendant owed NewDay XXXX. By an agreement in writing the benefit of the debt was legally assigned to the claimant effective 09/07/2018 and made regular upon the claimant serving a Notice of Assignment upon the defendant shortly thereafter. And the claimant claims XXX Interest pursuant to Section 69 County Court Act (1984) at a rate of 8% per anum from XXX to XX. And therefore at a daily rate of 28 to date of judgement or sooner payment.
Is the debt Statute Barred (have you had any contact with the creditor or claimant over the last 6 years?): No it is not statue barred.
List any letters you have sent (eg: CCA/ CPR ): None
Any Other Information or Background Details:This is a store card that I applied for instore shortly after turning 18. Originally the credit was underwritten by Santander but since then NewDay has bought them out.
Received a claim? Yes/No:Yes
Issue Date:23rdNovember 2018
Have you Acknowledged the Claim?:No
Total Amount Claimed: £1600
Claimant’s Name:Asset Link Capital
Solicitors Firm:Kearns Solicitors
Original Creditor:Newday LTD
Original Debt (eg. Credit card/Loan/Overdraft) : Store Card
Particulars of Claim: The claimant claims the whole of the outstanding balance due and payable under an agreement referenced XXXX and opened effective from 14/03/2013. The agreement is regulated by the Consumer Credit Act 1974, which was signed by the Defendant and from which credit was extended to the defendant. The defendant failed to make payment as required and by 26/06/2018 a default was recorded. As at 09/07/2018 the defendant owed NewDay XXXX. By an agreement in writing the benefit of the debt was legally assigned to the claimant effective 09/07/2018 and made regular upon the claimant serving a Notice of Assignment upon the defendant shortly thereafter. And the claimant claims XXX Interest pursuant to Section 69 County Court Act (1984) at a rate of 8% per anum from XXX to XX. And therefore at a daily rate of 28 to date of judgement or sooner payment.
Is the debt Statute Barred (have you had any contact with the creditor or claimant over the last 6 years?): No it is not statue barred.
List any letters you have sent (eg: CCA/ CPR ): None
Any Other Information or Background Details:This is a store card that I applied for instore shortly after turning 18. Originally the credit was underwritten by Santander but since then NewDay has bought them out.
They will need the copy of the paper agreement really, although they can provide a recon of the terms, the details need to be correct.
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