HELP PLEASE WITH COUNTY COURT CLAIM - lantern dedt recovery/moriarty law ltd

[marbec]

Okay guys so i am new to the forum after my friend advise me this a good place to start dealing with the claim i have recieved against me from moriarty law acting on behalf of lantern dedt recovery.

The original dedt was with quickquid in febuary 2016 when i stupidily took out a loan i couldnt afford but i was on benefits at the time and completely desperate if i remember correctly,basically i should have payed them back when i had the chance but i forgot about over a number of years and these company are now taking to court for that money.

my friend said if i had complained about lending earlier i could have got money back from quickquid and removed from credit file as they was the worst mis lenders going but have gone bust so i cant do anything with them now.

this company now want 600 for a 250 loan i took out over 6 years ago theyve never allowed the dedt default fot a very long time if i remember correctly even though i wasnt making payments but will have to check my credit refs to see if thats correct

i wrang the company on the letter and he was saying its better to make arrangement to pay them in installments at 5 per month if i cant pay in full to stop a CCJ which i cant pa\y in full.

i want to dispute the dedt on the grounds it was bad lending but dont no how to prove this anymore as quickquid is gone but i need to put a defence in but havent recieved much information about the original loan as the moriarty said when i asked that in was all done online so its digital then he started quizing me if im going to defend the case and whats my defence.

i didnt tell them anything about defence just i would respond through the courts but i need help if possible as never doe anything like this before.

please help me if you can i would appreciate

[echat11]

Hi MARBEC

Can you fill in and copy and paste the information back onto this thread.

Received a claim? Yes/No:
Issue Date:
Have you Acknowledged the Claim?: (THIS IS VERY IMPORTANT AND CAN BE DONE ONLINE)
Total Amount Claimed : ( approximately please do NOT use EXACT figure given on the claim form, round up to next £100 or £1000)
Claimant’s Name:
Solicitors Firm:
Original Creditor:
Original Debt (eg. Credit card/Loan/Overdraft) :
Particulars of Claim: ( Please type out in full excluding names/account numbers/exact amounts ):
Is the debt Statute Barred (have you had any contact with the creditor or claimant over the last 6 years?):
List any letters you have sent (eg: CCA/ CPR ):
Any Other Information or Background Details:

https://legalbeagles.info/library/gu...y-court-claim/

[marbec]

Received a claim? Yes

Issue Date: 10th may 2022

Have you Acknowledged the Claim?: No not yet i will acknowledge the claim today though

Total Amount Claimed : £636

Claimant’s Name: Lantern dedt recovery services ltd

Solicitors Firm: moriarty law

Original Creditor: quickquid

Original Debt £250

Particulars of Claim: the defendant owes the claimant £636 under a regulated loan agreement with casheuronet llc also known as casheuronet llc T/A quickquid dated the 20/2/1016 and which was assigned to the claimant on 20/6/21 (dedt). Despite formal demand for payment of the dedt the defendant has failed to pay and the claimant claims £636 and further claims interest thereon pursuant to section 69 of the county court act 1984 limited to one year to the the date hereof at the rate of 8% per annum ammounting to £49

Is the debt Statute Barred (have you had any contact with the creditor or claimant over the last 6 years?): no i havent made contact with the company theyve just contacted me

List any letters you have sent (eg: CCA/ CPR ): no i havent sent anything

Any Other Information or Background Details: not sure what to write if any questions please ask but i basically feel i shouldnt pay as quickquid lent money when i couldnt pay back and now a dedt collecter has increase it alot years later

[echat11]

When was the last payment made?
When was the last written communication to them?

If neither of the above has been done in the last 6 years, then the debt is statute barred.

[echat11]

a) What you need to do is Acknowledge Service online, that will give you an extra 14 days to work on you defence, so that 28 days in total, plus 5 days (post).

https://legalbeagles.info/library/gu...ledge-a-claim/

b) Send moriarty law a request for each account they have 14 days to provide you with a copy of your original agreements (or in some cases reconstituted agreement). Make sure you get Proof of Postage. Go through the information they send you.

https://legalbeagles.info/library/gu...etter-example/

c) Send moriarty law a CPR 31.14 Request, they have 12 days to provide documents they are relying to make the claim. Make sure you get Proof of Postage. Go through the information they send you.


https://legalbeagles.info/library/gu...-of-documents/

d) Send quickquid a SAR for the accounts, they have 30 days to provide all the details on the account. Make sure you get Proof of Postage.
Go through the information they send you.


https://legalbeagles.info/library/gu...ccess-request/

Make sure you get your defence in on time, so 28 days from the date of the claim letter, note it in your diary. There is an example defence on this site.

[marbec]

When was the last payment made?
When was the last written communication to them?

If neither of the above has been done in the last 6 years, then the debt is statute barred.

i dont believe i ever made any payments to that loan and ive not communicated with quickquid in any letters or anything

[marbec]

a) What you need to do is Acknowledge Service online, that will give you an extra 14 days to work on you defence, so that 28 days in total, plus 5 days (post).

https://legalbeagles.info/library/gu...ledge-a-claim/

b) Send moriarty law a request for each account they have 14 days to provide you with a copy of your original agreements (or in some cases reconstituted agreement). Make sure you get Proof of Postage. Go through the information they send you.

https://legalbeagles.info/library/gu...etter-example/

c) Send moriarty law a CPR 31.14 Request, they have 12 days to provide documents they are relying to make the claim. Make sure you get Proof of Postage. Go through the information they send you.


https://legalbeagles.info/library/gu...-of-documents/

d) Send quickquid a SAR for the accounts, they have 30 days to provide all the details on the account. Make sure you get Proof of Postage.
Go through the information they send you.


https://legalbeagles.info/library/gu...ccess-request/

Make sure you get your defence in on time, so 28 days from the date of the claim letter, note it in your diary. There is an example defence on this site.

thank you very much i will look into this information you have provided and work my way through he the items that need sending

[marbec]

just acknowledging the claim now

do i want to defend all of this claim and contest jurisdiction of the claim made against me

[echat11]

It seems that the debt is statuted barred, which would be your defence.

[echat11]

just acknowledging the claim now

do i want to defend all of this claim and contest jurisdiction of the claim made against me

Yes, you defend all of it.

[marbec]

When was the last payment made?
When was the last written communication to them?

If neither of the above has been done in the last 6 years, then the debt is statute barred.

i could have a problem with this as ive just been doing some digging around in my emails to see if i had any old emails.

it turns out that quickquid have been emailing me every couple of days for the past 5 years my email must have decide its spam as i havent seen them in all honesty but upon inspecting the emails from the time of the loan i can see that they just kept giving me more money until i couldnt afford repayments but i was paying them back and my last payment was made on the 12.4.16 and i havent wrote to quickquid but was probably in phone conversations for 6 months after that then ive not spoke since.

another problem is that a company called casheuronet uk contacted my emails in 2020 asking me to make a claim for money owed for payday loans so at the time not thinking straight i did and it turned out that they looked into my quickquid loans and decided i wasnt due a refund,since then the dates all add up that awoke a beast that started to look for the money it was owed and they started to sell the dedt on to companys to recover.

so i basically could be screwd on statue barred

[marbec]

Yes, you defend all of it.

so im contesting jurisdiction aswell

[MIKE770]

Jurisdiction???

[marbec]

Jurisdiction???

im not sure mate when im acknowledging the claim the first box ask my intention is to defend all of claim or part of it.

im defending all of claim

then below it says you can chose to contest jurisdiction of the claim made against you???

[echat11]

im not sure mate when im acknowledging the claim the first box ask my intention is to defend all of claim or part of it.

im defending all of claim

then below it says you can chose to contest jurisdiction of the claim made against you???

You aren't disputing the Courts 'jurisdiction' to try the claim.