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I received a claim form dated 3rd April 2014 on the 7th April 2014.
Claimant is Marlin Capital Europe Ltd.
Solicitors are Mortimer Clarke at the same address.
Particulars of Claim from the form:
By an agreement between Egg Banking plc ("EGG") & the Defendant on or around 30/01/2008 ("the Agreement") EGG agreed to issue the Defendant with a credit card upon the terms & conditions set out therein. In breach of the Agreement the Defendant failed to make the minimum payments due & the Agreement was terminated. The Agreement was assigned to the Claimant on 31/01/2013.
THE CLAIMANT THEREFORE CLAIMS:
1. [Removed amount - it is approx 10,000]
2. Interest pursuant to section 69 of the County Courts Act 1984, namely 3013.08 & continuing until Judgement or sooner payment at the rate of 2.15.
Amount Claimed - [Removed amount - it is approx 13,000]
Court Fee - 190
Solicitor's costs - 100
Total amount - [Removed amount - it is approx 13,290]
I acknowledged the claim online via moneyclaim.gov.uk on 17th April 2014. Following the advice from the Sticky - Basic first Steps to take on receipt of a Consumer Credit Court Claim - I sent the 2 letters for a CCA request and a CPR request which I will copy into new posts below.
The last communication I sent regarding this debt was in Feb 2010. I sent Egg a letter. In it I explained I was having difficulty meeting my contractual payments and made an offer of £10 per month which was accepted. I made payments of £10 per month until Oct 2010. I have paid nothing since. I have not acknowledged this debt since then. I have not had any communication with Egg regarding this debt since then. When I originally wrote to Egg I asked that they stop any further interest or charges accruing which they did. I have checked my credit file with Experian and it shows the approx 10k amount with Marlin Europe ltd which has not changed for some time.
There was no Account Number in the Particulars of the Claim. From my records I know my original Account Number with Egg so I used this on the CCA request.
Until I checked my records I thought this was older than 2010 and was hoping it was nearer to the 6 years limit. Now I see that it is not I am a little disappointed. I have checked my credit file with Experian and Marlin Europe also have other unsecured debts of mine assigned to them.
I am concerned that they can add 30% interest to this debt.
I am concerned they will do this with my other debts also.
I sent the CCA request and the CPR request by recorded delivery and included the Postal Order for £1 in the CCA request.
What should I do next?
Claimant is Marlin Capital Europe Ltd.
Solicitors are Mortimer Clarke at the same address.
Particulars of Claim from the form:
By an agreement between Egg Banking plc ("EGG") & the Defendant on or around 30/01/2008 ("the Agreement") EGG agreed to issue the Defendant with a credit card upon the terms & conditions set out therein. In breach of the Agreement the Defendant failed to make the minimum payments due & the Agreement was terminated. The Agreement was assigned to the Claimant on 31/01/2013.
THE CLAIMANT THEREFORE CLAIMS:
1. [Removed amount - it is approx 10,000]
2. Interest pursuant to section 69 of the County Courts Act 1984, namely 3013.08 & continuing until Judgement or sooner payment at the rate of 2.15.
Amount Claimed - [Removed amount - it is approx 13,000]
Court Fee - 190
Solicitor's costs - 100
Total amount - [Removed amount - it is approx 13,290]
I acknowledged the claim online via moneyclaim.gov.uk on 17th April 2014. Following the advice from the Sticky - Basic first Steps to take on receipt of a Consumer Credit Court Claim - I sent the 2 letters for a CCA request and a CPR request which I will copy into new posts below.
The last communication I sent regarding this debt was in Feb 2010. I sent Egg a letter. In it I explained I was having difficulty meeting my contractual payments and made an offer of £10 per month which was accepted. I made payments of £10 per month until Oct 2010. I have paid nothing since. I have not acknowledged this debt since then. I have not had any communication with Egg regarding this debt since then. When I originally wrote to Egg I asked that they stop any further interest or charges accruing which they did. I have checked my credit file with Experian and it shows the approx 10k amount with Marlin Europe ltd which has not changed for some time.
There was no Account Number in the Particulars of the Claim. From my records I know my original Account Number with Egg so I used this on the CCA request.
Until I checked my records I thought this was older than 2010 and was hoping it was nearer to the 6 years limit. Now I see that it is not I am a little disappointed. I have checked my credit file with Experian and Marlin Europe also have other unsecured debts of mine assigned to them.
I am concerned that they can add 30% interest to this debt.
I am concerned they will do this with my other debts also.
I sent the CCA request and the CPR request by recorded delivery and included the Postal Order for £1 in the CCA request.
What should I do next?
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