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Hi firstly I will say I am new here as I need some help from people with a greater knowledge than I have.
I will start by saying I received a letter from Northampton yesterday which was dated 30th Jan 2013 and gives me 14 days to respond! Not long as its the 10th today! Can anything be done about the time I have to respond as I don't have much time left?
This is Welcome Finance trying to take me to court (CCJ) for a loan I had with them way back in 2006 which I thought had become statute bared. I wont bore you with the why I havent paid it etc as that is in the past and have to deal with this now and by the looks of other users the next few months.
I took out a loan with Welcome in early 2006 for £4000 and had to take the usual ppi etc before they would give me the loan (By some miracle I actually found the original agreement earlier today) Anyway The last time I had any contact or made any payment to Welcome would have been late 2006 or at the latest Very early 2007. And I will also point out I have not claimed against them for my ppi back so that is still included in the ammounts below.
I have not heard anything from them due to relocation untill this Claim form turned up at my parents address, which I found strange as I have'nt lived there in over 10 years! and my current address is on my credit file and electoral roll.
Thats a bit of the background I will give you the Particulars of the claim
It says
"The claimant claims for sums due under a/various Credit agreement(s) related only to money regulated by the Consumer Credit Act 1974 entered into between the claimant and the defendent.
The agreement(s) was/were terminated upon the defendent failure to comply with the terms of the agreement(s).
The claimant complied with section III and IV and Annex B of the PD pre-action conduct.
And the claimant claims: Personal Account number xxxxxxx ballance of 7,408.94 as of the 11/12/06 Interest under s69 of the County Court Act 1984 at the rate of 8% a year from 11/12/06 to 30/01/13 of 3,640.73 and also interest at the same rate up to the date of judgement or earlier payment at a daily rate of 1.62 AND costs"
Thats what the perticulars are and the company dealing with this is Hegarty LLP
I guess thats all the info you will need can anyone help me with this? Can I defend this? Should I defend this What should I do First thing tomorrow? given the time frame! The questions in my head could go on and on!
Thank you for listening and many thanks in advance.
I will start by saying I received a letter from Northampton yesterday which was dated 30th Jan 2013 and gives me 14 days to respond! Not long as its the 10th today! Can anything be done about the time I have to respond as I don't have much time left?
This is Welcome Finance trying to take me to court (CCJ) for a loan I had with them way back in 2006 which I thought had become statute bared. I wont bore you with the why I havent paid it etc as that is in the past and have to deal with this now and by the looks of other users the next few months.
I took out a loan with Welcome in early 2006 for £4000 and had to take the usual ppi etc before they would give me the loan (By some miracle I actually found the original agreement earlier today) Anyway The last time I had any contact or made any payment to Welcome would have been late 2006 or at the latest Very early 2007. And I will also point out I have not claimed against them for my ppi back so that is still included in the ammounts below.
I have not heard anything from them due to relocation untill this Claim form turned up at my parents address, which I found strange as I have'nt lived there in over 10 years! and my current address is on my credit file and electoral roll.
Thats a bit of the background I will give you the Particulars of the claim
It says
"The claimant claims for sums due under a/various Credit agreement(s) related only to money regulated by the Consumer Credit Act 1974 entered into between the claimant and the defendent.
The agreement(s) was/were terminated upon the defendent failure to comply with the terms of the agreement(s).
The claimant complied with section III and IV and Annex B of the PD pre-action conduct.
And the claimant claims: Personal Account number xxxxxxx ballance of 7,408.94 as of the 11/12/06 Interest under s69 of the County Court Act 1984 at the rate of 8% a year from 11/12/06 to 30/01/13 of 3,640.73 and also interest at the same rate up to the date of judgement or earlier payment at a daily rate of 1.62 AND costs"
Thats what the perticulars are and the company dealing with this is Hegarty LLP
I guess thats all the info you will need can anyone help me with this? Can I defend this? Should I defend this What should I do First thing tomorrow? given the time frame! The questions in my head could go on and on!
Thank you for listening and many thanks in advance.
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