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Re: 1st Stop Recoveries/Uncle Bucks Payday Loan
Hello
This is my defense to this as well as a complaint issued to UB/Ist Stop - Please check
1. It is not admitted that the Defendant entering in to the Contract referred to in the Particulars of Claim for an amount of £904.91. The defendant admits entering into a short term agreement for the sum of £652 plus one month interest. The Claimant has not explained how the sum claimed has been calculated within the terms of the contract.
2. On the request of the Defendant by post the Claimant has emailed the Defendant copies of documents they claim have been issued to the Claimant including a Default Notice and Notice of Assignment both dated August 2015 however the Claimant does not indicate when these documents were originally posted to the defendant or by what means. The Defendant does not have any record of receiving these documents in August 2015, the Claimant is therefore put to strict proof that these documents were correctly issued to the Defendant as claimed.
3. Regarding the claim that '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.' The Defendant has received no communication that they can locate from the claimant either in the post or electronically and puts the Claimants to strict proof of this.
4. The Claimant has no record of being served a Default Notice or Notice of Assignment by post or followed any Pre Action Protocol (annexB) in an attempt to resolve this matter and is put to strict proof thereof.
5. The claim is disputed with regards to the Defendant owing monies stated to the Claimant and the Claimant is put to strict proof to:
· show how the Defendant has entered into an agreement with the Claimant; and
· show how the Defendant has reached the amount claimed for;
6. By reason of the facts As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed and matters set out above, it is denied that the Claimant is entitled to the relief claimed.
7. In addition, the Defendant has submitted a formal complaint to the original source of this debt, copied to the Claimant regarding the circumstances in which this debt was accrued/handled and requesting that all legal and collection activity be suspended until this complain is resolved through internal complain procedure and/or the Financial Ombudsman Service.
Hello
This is my defense to this as well as a complaint issued to UB/Ist Stop - Please check
1. It is not admitted that the Defendant entering in to the Contract referred to in the Particulars of Claim for an amount of £904.91. The defendant admits entering into a short term agreement for the sum of £652 plus one month interest. The Claimant has not explained how the sum claimed has been calculated within the terms of the contract.
2. On the request of the Defendant by post the Claimant has emailed the Defendant copies of documents they claim have been issued to the Claimant including a Default Notice and Notice of Assignment both dated August 2015 however the Claimant does not indicate when these documents were originally posted to the defendant or by what means. The Defendant does not have any record of receiving these documents in August 2015, the Claimant is therefore put to strict proof that these documents were correctly issued to the Defendant as claimed.
3. Regarding the claim that '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.' The Defendant has received no communication that they can locate from the claimant either in the post or electronically and puts the Claimants to strict proof of this.
4. The Claimant has no record of being served a Default Notice or Notice of Assignment by post or followed any Pre Action Protocol (annexB) in an attempt to resolve this matter and is put to strict proof thereof.
5. The claim is disputed with regards to the Defendant owing monies stated to the Claimant and the Claimant is put to strict proof to:
· show how the Defendant has entered into an agreement with the Claimant; and
· show how the Defendant has reached the amount claimed for;
6. By reason of the facts As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed and matters set out above, it is denied that the Claimant is entitled to the relief claimed.
7. In addition, the Defendant has submitted a formal complaint to the original source of this debt, copied to the Claimant regarding the circumstances in which this debt was accrued/handled and requesting that all legal and collection activity be suspended until this complain is resolved through internal complain procedure and/or the Financial Ombudsman Service.
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