Hello all,
I hope someone will be able to help with this. I have received Court Claim from DrydensFairfax for Adams Card.Account has been opened in 2006.Due to financial difficulties I have stopped paying last year. Account has been passed on to Drydensfairfax. Drydens has been sending letters with asking to fill in income and expenditure form to avoid further action. I have sent SAR to Adams.Received statements and there was plenty of late payment fees ans over-limit fees applied to that account. I have started process of claiming those charges back from Adams, and sent letter to Drydens informing them account is in dispute with original creditor, couple of days later court claim arrived. I have not received letter before action or anything indicating they are intending to apply for ccj. I admit I owe part of the money but not all. Please advise what I should do.
Particulars of Claim:
The claimants claim for monies due from Defendant under a Adams Credit Card Agreement (''the agreement'') number ......
issued on 03/04/2006 regulated by the Consumer Credit Act 1974 ( ''the Act'').
The Defendant breached the Agreement by failing to maintain payments in accordance with the Agreement and and was served with a Notice under Section 87(1) of the Act.
The Defendant has failed to comply with the Default Notice and the Claimant claims the sum of 1,157.13 together with interest at rate of 39.90% per annum in accordance with agreement on the sum due from 31/03/2014 to 25/06/2014 totalling 110.05 and continuing until Judgement or payment at the daily rate of 1.26492
total sum claimed 1,417.18
amount claimed 1267.18
court fee 70
solicitors cost 80
Please advise how I should deal with this. I do not really want CCJ and can Dca issue claim if account is in dispute or no letter before action has been sent?
Thank you for all advise.
I hope someone will be able to help with this. I have received Court Claim from DrydensFairfax for Adams Card.Account has been opened in 2006.Due to financial difficulties I have stopped paying last year. Account has been passed on to Drydensfairfax. Drydens has been sending letters with asking to fill in income and expenditure form to avoid further action. I have sent SAR to Adams.Received statements and there was plenty of late payment fees ans over-limit fees applied to that account. I have started process of claiming those charges back from Adams, and sent letter to Drydens informing them account is in dispute with original creditor, couple of days later court claim arrived. I have not received letter before action or anything indicating they are intending to apply for ccj. I admit I owe part of the money but not all. Please advise what I should do.
Particulars of Claim:
The claimants claim for monies due from Defendant under a Adams Credit Card Agreement (''the agreement'') number ......
issued on 03/04/2006 regulated by the Consumer Credit Act 1974 ( ''the Act'').
The Defendant breached the Agreement by failing to maintain payments in accordance with the Agreement and and was served with a Notice under Section 87(1) of the Act.
The Defendant has failed to comply with the Default Notice and the Claimant claims the sum of 1,157.13 together with interest at rate of 39.90% per annum in accordance with agreement on the sum due from 31/03/2014 to 25/06/2014 totalling 110.05 and continuing until Judgement or payment at the daily rate of 1.26492
total sum claimed 1,417.18
amount claimed 1267.18
court fee 70
solicitors cost 80
Please advise how I should deal with this. I do not really want CCJ and can Dca issue claim if account is in dispute or no letter before action has been sent?
Thank you for all advise.
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