Tweet
Hi Guys I need some help, I have received 2 county court claims both from the same DC, 1 loan and the other credit card. I have 1 week to acknowedge them.
here are the POC'S
1. The claimants claim is in respect of a credit facility 9903xxxxxx, provided by Lloyds bank at the defendants request on xxx date. The agreement was subsequently defaulted. Failure to meet requests for payment resulted in the account being terminated. On xxx date, all the legal and beneficial interest for monies was assigned to hillesden sec ltd. the defendat was duly notified in writing of the assignment and the balance of xxxxx.xx was due. the balance of xxxxx.xx remains owing from the defendant.
2. As above but different account number and amount.
They havent mentioned anything about interest so I guess its not being added for now, also I am pretty sure they have defaulted me on both, also i have received the letters of assignment.
What I would like to know is, assuming they have the proper agreements in place, would It be best for me to accept and negotiate or should I still try and defend? my worries are If i do try to defend and at the end they can prove all the agreements and notices correctly and judgement goes against me would I have to pay the amount they are demanding + court fees and theyre charges? also at that stage would I be in a position to negotiate knowing that I have property in my name?
any suggestions would be appreciated.
thanks
here are the POC'S
1. The claimants claim is in respect of a credit facility 9903xxxxxx, provided by Lloyds bank at the defendants request on xxx date. The agreement was subsequently defaulted. Failure to meet requests for payment resulted in the account being terminated. On xxx date, all the legal and beneficial interest for monies was assigned to hillesden sec ltd. the defendat was duly notified in writing of the assignment and the balance of xxxxx.xx was due. the balance of xxxxx.xx remains owing from the defendant.
2. As above but different account number and amount.
They havent mentioned anything about interest so I guess its not being added for now, also I am pretty sure they have defaulted me on both, also i have received the letters of assignment.
What I would like to know is, assuming they have the proper agreements in place, would It be best for me to accept and negotiate or should I still try and defend? my worries are If i do try to defend and at the end they can prove all the agreements and notices correctly and judgement goes against me would I have to pay the amount they are demanding + court fees and theyre charges? also at that stage would I be in a position to negotiate knowing that I have property in my name?
any suggestions would be appreciated.
thanks
