1st Stop Recoveries/Uncle Bucks Payday Loan

**nemesis45** · 7th March 2016, 17:31:PM

Re: 1st Stop Recoveries/Uncle Bucks Payday Loan

Originally posted by Cooldog View Post

Sorry I have another one

Issue Date: 22/02/2016
Amount approx: £904.91 plus £60 court fees
Claimant: 1st Stop Recoveries
Solicitor: None
Original Creditor: Uncle Bucks
Particulars of Claim:
‘1st Stop Recoveries Ltd claim this amount in respect of an unpaid loan funded by Uncle Buck Ltd. The defendant failed to abide by the terms of the contract. 1^st Stop Recoveries purchased this debt from Uncle Buck and subsequently sent a notice of assignment of assignment to advise. The defendant has failed to respond to any correspondence or Communication from the claimant thus denying the Claimant any opportunity in assisting the Defendant in attempting to bring the matter to an amicable conclusion.
Is the debt Statute Barred? No
List any letters you have sent: CPR and CCA requests to 1st Stop
Any Other Info:

Over the last weekend I have been in touch with Sara at 'Debt Camel' regarding a claim of mis-lending against 'Uncle Bucks' regarding the fact that I had 5 loans from this company over 5 months and they did not check affordability. I am now preparing a claim against them.

Hi Cooldog,

Is this the Blackpool based 1st Stop?

Is there a solicitor involved?

nem

**Cooldog** · 7th March 2016, 17:37:PM

Re: 1st Stop Recoveries/Uncle Bucks Payday Loan

Yes it is

No solicitors

Cowboys?

**nemesis45** · 7th March 2016, 17:53:PM

Re: 1st Stop Recoveries/Uncle Bucks Payday Loan

Originally posted by Cooldog View Post

Yes it is

No solicitors

Cowboys?

Emmm, I didn't think they were licensed for debt purchase I've looked at the FCA interim permissions register but the IP is rather vague so asked for clarification.

nem

**Cooldog** · 7th March 2016, 19:20:PM

Re: 1st Stop Recoveries/Uncle Bucks Payday Loan

Very dodgy Nem, not sure who owns this

**nemesis45** · 7th March 2016, 19:47:PM

Re: 1st Stop Recoveries/Uncle Bucks Payday Loan

Originally posted by Cooldog View Post

Very dodgy Nem, not sure who owns this

Snouting around Cooldog see what I can turn up.

nem

**Cooldog** · 7th March 2016, 20:14:PM

Re: 1st Stop Recoveries/Uncle Bucks Payday Loan

Thank you Nem

This is odd as PDLs are not known for launching Court Claims and this one seems to be very amateur in my humble opinion

- - - Updated - - -

The POC at least is appalling

**nemesis45** · 7th March 2016, 20:31:PM

Re: 1st Stop Recoveries/Uncle Bucks Payday Loan

Originally posted by Cooldog View Post

Thank you Nem

This is odd as PDLs are not known for launching Court Claims and this one seems to be very amateur in my humble opinion

- - - Updated - - -

The POC at least is appalling

Hi, I have to say I cannot recall seeing a claim from them in the past just one or two DC problems which were related to their own loans.

Can you post a copy of the claim form for me please.

nem

**NWHC** · 7th March 2016, 20:39:PM

Re: 1st Stop Recoveries/Uncle Bucks Payday Loan

This is what the IP says

Entering into a regulated credit agreement as lender; and exercising, or having the right to exercise, the lender's rights and duties under a regulated credit agreement.

Therefore they are licensed or at least that is how it seems

http://fca-consumer-credit-interim.f...rSearchPageNew

**Cooldog** · 7th March 2016, 21:53:PM

Re: 1st Stop Recoveries/Uncle Bucks Payday Loan

Claim is as above: this is what it says:

‘1st Stop Recoveries Ltd claim this amount in respect of an unpaid loan funded by Uncle Buck Ltd. The defendant failed to abide by the terms of the contract. 1^st Stop Recoveries purchased this debt from Uncle Buck and subsequently sent a notice of assignment of assignment to advise. The defendant has failed to respond to any correspondence or Communication from the claimant thus denying the Claimant any opportunity in assisting the Defendant in attempting to bring the matter to an amicable conclusion.

**NWHC** · 9th March 2016, 21:29:PM

Re: 1st Stop Recoveries/Uncle Bucks Payday Loan

Have you taken any action yet such as
Acknowledge the claim
Sent a CCA request (probably pointless but worth a shot)
Sent a CPR31.14 request asking for the agreement and the notice of assignment

**Cooldog** · 29th March 2016, 17:43:PM

Re: 1st Stop Recoveries/Uncle Bucks Payday Loan

Some help needed on this please.

I sent the requests to !st Stop as suggested above (by post) and they have emailed documents to me.

However, I have been in touch with Debt Camel through a link on this site and they have been extremely helpful. As I had 5 loans in 5 months from Uncle Bucks culminating in the £879.87 I was unable to pay, they have helped me draft a complaint to Uncle Bucks (copy to 1st Stop) asking for refund of interest and charges plus asking the to write off the money owed. Also to suspend any action until my complaint is dealt with either by them or the FO. I have not sent this off yet but will do.

However, I still need to submit a defence to the court by Friday, 1st and am not sure what the enter so advice needed.

Sorry but I have not been very well and not functioning at 100% but determined to get this sorted.

**Cooldog** · 30th March 2016, 08:27:AM

Re: 1st Stop Recoveries/Uncle Bucks Payday Loan

Bump - anyone?

**Kati** · 30th March 2016, 08:29:AM

Re: 1st Stop Recoveries/Uncle Bucks Payday Loan

[MENTION=6]Amethyst[/MENTION] [MENTION=55034]nemesis45[/MENTION] [MENTION=48934]Debt Camel[/MENTION] :bump:

**nemesis45** · 31st March 2016, 18:51:PM

Re: 1st Stop Recoveries/Uncle Bucks Payday Loan

Originally posted by Cooldog View Post

Bump - anyone?

Sorry Cooldog I've only just seen your post thanks to [MENTION=49370]Kati[/MENTION] giving a nudge.

What are your thoughts on points for a defence e.g. the loan should never have been granted because of others already taken and remaining unpaid?

nem

1st Stop Recoveries/Uncle Bucks Payday Loan