MKDP LLP

[Sleepless]

I have just received a County County claim, in respect of a bank loan which I defaulted on. I'm a pensioner and now have to live on benefits, including housing. I live in a furnished flat and have very little in the way of assets. I, even, sold my car, for scrap, over 2 years ago as I couldn't afford to run it any longer.

These people used to phone me constantly and I explained my financial position to them. They have have now decided to sue me. I don't deny the claim but, would hate to have bailiffs come to my flat as my landlord would, probably, ask me to leave. At 72 years of age, the thought of being homeless is making me very depressed.

Please can somebody help me?

[Nibbler]

Re: MKDP LLP

Hi. welcome.

Bailiffs are very unlikely, even if a CCJ was granted.

Debt collectors like to throw threats about them around, but they are very rarely used by them for things like consumer loans in the County Court.

Not just that, but you should have notice they were being used in time to apply to the court to have them stopped. For a consumer debt it's not something to really worry about.

At the top of the board is this message. So some 1st steps there.

Received a Court Claim?
If you received a court claim and want to start a new thread in this forum please complete this form and read THIS POST about your first steps

Guidance and Templates can be found HERE

It can get very busy on this board at times, if your post is urgent or has gone unanswered for more than 24 hours please REPORT your post to the team ( hit the triangle icon under the post ) or send a PM to someone or email to admin@legalbeagles.info with a link to your post. Thank you.

The forum can help you get this sorted, or at at least to a stage where you don't have to worry much over it, so hold on.

[Sleepless]

Re: MKDP LLP

Thank you, Nibbler.

You have eased my mind a lot.

Hi. welcome.

Bailiffs are very unlikely, even if a CCJ was granted.

Debtl collecotrs like to throw threats about them around, but they are very rarely used by them for things like consumer loans in the County Court.

Not just that, but you should have notice they were being used in time to apply to the court to have them stopped. For a consumer debt it's not something to really worry about.

At the top of the board is this message. So some 1st steps there.



The forum can help you get this sorted, or at at least to a stage where you don't have to worry much over it, so hold on.

[Amethyst]

Re: MKDP LLP

Welcome to the forum Sleepless, try not to worry - there really is very little they can do to you, and we'll help you as much as we can. Have a look through the bits linked from Nibbler's post - first thing to do is ensure you acknowledge the claim xx

[Nibbler]

Re: MKDP LLP

I always forget get that. Yes, acknowledge the claim saying you intend to defend. That gives you more time, and it doesn't commit you to actually doing that in the end.

[Sleepless]

Re: MKDP LLP

Thank you Amethyst and Nibbler. I will follow your advice and keep you informed of any developments.

[Nibbler]

Re: MKDP LLP

Good. Details from http://www.legalbeagles.info/forums/...?do=form&fid=9

will help us try to work out where to go.

[Sleepless]

Court Claim - MKDP LLP / Lloyds - 9-3-2015

Received a claim? Yes
Issue Date: 9-3-2015
Amount approx: £10,400
Claimant: MKDP LLP
Solicitor: Not shown
Original Credit: Lloyds

Particulars of Claim:
The claimant claims the sum of £10,xxx.xx being monies due from the Defendant to Lloyds Bank Plc under a loan agreement regulated by the Consumer Credit Act 1974 which was assigned to the Claimant on 20/06/14. Notice of assignment has been provided to the defendant. The Defendant's loan account number was 100xxxxxxxxx. Defendant has failed to make payment in accordance with the terms of the loan agreement. A default notice has been served pursuant to the Consumer Credit Act 1974 by Llods Bank Plc. The claimant claims the sum of £10,xxx.xx and costs. The Claimant has complied, as far as necessary, withthe Pre-Action Conduct Practice Direction

Stat Barred? No

Have sent:

Other Info:

[Sleepless]

Re: MKDP LLP

I've filled out the form you requested

[Kati]

Re: Court Claim - MKDP LLP / Lloyds - 9-3-2015

Hi @Sleepless - If you follow the steps I've quoted below from Ame's thread, it'll get you started Please try not to worry ... there's people here on LB who will help you every step of the way!

Firstly, don't panic.

Secondly, many of these Consumer Credit debt based Court Claims are issued through the County Court Business Centre and are rather lacking in detail and information. The are often claims bought by debt purchasers who don't have the paperwork to back them up to hand and who wing it on the hope that they obtain a default judgment.

So, first steps (within 14 days of receiving the claim)

1: ACKNOWLEDGE THE CLAIM - you can do this online usually at www.moneyclaim.gov.uk
You'll need your claim reference and password from the front of the claim form - this will extend the time you have to respond to the claim to 28 days from when you received it

2: Send A CCA REQUEST to the CLAIMANT ( see here )
This applies to all credit cards / loans / hire purchase / store cards type debt. It doesn't apply to Mobile Phones / Utilities or Overdrafts.

3: Send a CPR request to the CLAIMANT'S SOLICITORS ( see here )
This applies to everything unless they happen to have supplied you with a bunch of paperwork to back up their claim (v. unlikely)

If you are unsure of any of those steps then please make a new thread on the forum (you must be registered to do this)

Once those letters have been sent off you should make a new thread on the forum (you must be registered to do this) and make a post titled the claimants name v your username, and containing the date of issue from your claim form, date of service (ie when you received the claim form), type out the Particulars of Claim (exclude account numbers) and tell us the approx amount of the claim. Also tell us any specific disputes or background to the claim you may have. If you know please also tell us the last time you made a payment towards the debt or acknowledged the debt in writing, and confirm you have acknowledged the claim, and what letters you have sent off.
OR
If you received a court claim and want to start a new thread in this forum please complete this form . Thank you.


And people here will help guide you through the next steps.

NOTE: The defence date is 28 days from service (ie when you received the claim) or 33 days (which allows 5 days for service) from the issue date printed on the front of the claim form.

http://www.timeanddate.com/date/dateadd.html

EDIT: trust me to answer before checking the other threads first :lol: - [MENTION=63294]Sleepless[/MENTION], I've merged your threads xx

[Nibbler]

Re: MKDP LLP

Also, when was this loan taken out? Year/month.

[Sue49740]

Re: MKDP LLP

Please don't worry the people on here are absolutely fantastic and will help you every step of the way my dad received a claim from MKDP for a Lloyds loan and with lots of help from Nem on here the court claim was cancelled you have nothing to give them so they are flogging a dead horse I know its very easy to say don't worry but please don't
Take care
Sue

[Sleepless]

Re: MKDP LLP

August 2009

[Sleepless]

Re: MKDP LLP

Also, when was this loan taken out? Year/month.

August 2009

[Sleepless]

Re: MKDP LLP

Please don't worry the people on here are absolutely fantastic and will help you every step of the way my dad received a claim from MKDP for a Lloyds loan and with lots of help from Nem on here the court claim was cancelled you have nothing to give them so they are flogging a dead horse I know its very easy to say don't worry but please don't
Take care
Sue

Thank you very much Sue