Ccj claim form from lantern out of nowhere

[UGCAIAGG]

Ccj had draftty years ago. Never heard from them then got a letter pack today…


Issue Date: 24/09/2024

Have you Acknowledged the Claim?: will do via MCOL

Total Amount Claimed : £ 580

Claimant’s Name: LANTERN DEBT RECOVERY

SERVICES LIMITED

Solicitors Firm: MORIARTY LAW LTD

Original Creditor: drafty

Original Debt : line of credit / revolving credit facility.

Particulars of Claim:

THE DEFENDANT OWES THE CLAIMANT £576.09

UNDER A REGULATED LOAN AGREEMENT WITH GAIN CREDIT LLC ALSO KNOWN AS GAIN CREDIT LLC T/AS DRAFTY dated 2/11/2018

WHICH WAS ASSIGNED TO THE CLAIMANT ON 01/05/2024 AND NOTICE OF WHICH WAS GIVEN TO THE DEFENDANT ON THE 01/05/2024 (DEBT).

DESPITE FORMAL DEMAND FOR PAYMENT OF THE DEBT THE DEFENDANT HAS FAILED TO PAY AND THE CLAIMANT CLAIMS £576.09 AND FURTHER CLAIMS INTEREST THEREON PURSUANT TO SECTION 69 OF THE COUNTY COURT ACT 1984

LIMITED TO ONE YEAR TO THE DATE HEREOF AT THE RATE OF 0.00% PER ANNUM

AMOUNTING TO £0.00


Is the debt Statute Barred : do not no -



List any letters you have sent (eg: CCA/ CPR ): none to date

[atticus]

By reference to the dates given, not statute barred.

[UGCAIAGG]

What is the best way to defend this?

Second question do I need to send letters to the companies?

[echat11]

The following will help you address the Particulars of Claim on the claim form.

A) You can Acknowledge of Service online via MCOL, (deny to all) that will give you an extra 14 days to file your defence, so that's 14 + 14, 28 days (plus 5 days postal) from the date on the claim form, make a note in your diary, as your Defence needs to be in within the 28 days.

B) Send a 31.14 request to the MORIARTY LAW LTD on the claim form, they have 7 days to respond after receipt of letter (keep an eye on that). Make sure you get Proof of Postage.

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

C) Send a CCA request to LANTERN DEBT RECOVERY SERVICES LIMITED they have 12 days to provide a copy of the agreement, make sure you get Proof of Postage.

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

D) Send a SAR to Drafty , they have 30 days to provide all the data on the account, make sure you get Proof of Postage.

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

You need to lodge your Defence with the Court and their solicitor within 28 days (although you have 5 days for postal). Do not forget.

Update the thread when you get the requested information, but 5 days before your Defence is due.

[UGCAIAGG]

Thank you for your help.

I’ve completed the acknowledgement of service.
what is the advantage of doing the B, C, D steps now versus waiting for them (presumably) in their response to the defence?

Limited advice I received was that they cannot add anything further following 2 weeks from the initial claim, how does that work in practice?

[echat11]

Thank you for your help.

I’ve completed the acknowledgement of service.
what is the advantage of doing the B, C, D steps now versus waiting for them (presumably) in their response to the defence?

Limited advice I received was that they cannot add anything further following 2 weeks from the initial claim, how does that work in practice?

a) I’ve completed the acknowledgement of service.

Good.

b) what is the advantage of doing the B, C, D steps now versus waiting for them (presumably) in their response to the defence?

The more information you have at hand now, will allow you to make 'better decisions' going forward.

c) Limited advice I received was that they cannot add anything further following 2 weeks from the initial claim, how does that work in practice?

Add anything?