asset collections v rich23121955

[rich23121955]

Received a claim? yes
Issue Date: 11 august
Amount approx: 534.50
Claimant: asset colections
Solicitor: none stated
Original Creditor: uncle buck
Particulars of Claim: asset collections and investigations claim this amount in respect of an unpaid loan funded by uncle buck ltd. the defendant failed to abid by the terms and conditions & ACI purchased this debt from 1stop recoveries and subsequently sent notice of assignment to the defendant . the defendant failed to respond thus denying defendant any oppurtunity in assisting to bring matter to amicable conclusion
Is the debt Statute Barred? no
List any letters you have sent: cca and cpr
Any Other Info:

[Diana M]

Re: asset collections v rich23121955

One of the Beagles will guide you with this PDL claim.

Since this involves Uncle Buck make sure you ask to see a copy of any Default Notice they claim to have issued since that's something they may not have got right before selling your account.

I've seen other similar claims (where the original creditor was Uncle Buck) where that's been the Achilles heel

Di

[rich23121955]

Re: asset collections v rich23121955

right then I filed a acknowledgement of service and sent the cpa & cpr to ACI with no reply I originally thought this debt had been cleared but contacted original creditor who have confirmed its hasn't and was infact sold on, I have received nothing from asset collections regarding this account only a email buried in junk folder from 1st stop back in march asking me to call them. no default notice posted on my credit file regarding this account phoned court today and i have till Tuesday to either register defense or return the admission form to ACI with my offer of payment.

Ive phone ACI to ask why they havent replied to my letter and they have said this is becuase they are no longer dealing with its a a litigation company based in blackpool now deal with it (my mistake as assumed they where same company) but claimant is asset collections & investigations glasgow address for document to be sent to is ACI Blackpool.

ive currently set a dmp up with stepchange to sort out my remaining payday nightmare (got into the payday trap 4 years ago bouncing from one company to the next untill my entire salary was being taken each month and finally canceled accounts and dealt with most myself but theres a number of companies flexing muscle atm so gone to stepchange for help)

what would people advise is my best way to now move forward can they seek a ccj when no defualt has been lodged? or should i just send form to them with my offer to pay?

[Diana M]

Re: asset collections v rich23121955

Rule No 1: never contact the Claimant by phone (or anyone else involved except the court). You need a paper trail, ideally one which includes letters or emails from them admitting they haven't got the paperwork you have formally requested.

If you file a Defence (someone on the forum will help you to do that) you will find it easier to negotiate afterwards if that's what you want to do. The Small Claims Court offers free telephone Mediation if the Claimant decides to continue with proceedings after they see your Defence.

Good Luck with this.

Di

[Amethyst]

Re: asset collections v rich23121955

Your defence needs to be filed by Tuesday ( Claim 11th Aug) . You sent the CPR and CCA requests, and haven't had any documents in response, in which case I think you can keep things simple for the moment with the basic Defence Example - have a read through it and ask anything you need to, you can amend and post up here before you send.

Can I ask when you sent to CCA and CPR requests and where you sent each to.

It doesn't show on your credit file at all ?

Also just checking with [MENTION=48934]Debt Camel[/MENTION]; if there's any other foibles uncle buck claims have ?

Sharon
xx

[Debt Camel]

Re: asset collections v rich23121955

No particular UB foible.

Standard debt advice is to try to claim unfair relationship if a payday loan is taken to court for a CCJ. I haven't been involved in such as case... [MENTION=6]Amethyst[/MENTION] could you find out if any of the other solicitors who post here have done this?
[MENTION=84589]rich23121955[/MENTION] could you give some more information about your borrowing from UB, was this the only loan or were there a series of loans before this?

If you had a lot of payday loans from other lenders you should consider if you could make an affordability complaint and ask for a refund of the interest you paid, see http://debtcamel.co.uk/payday-loan-refunds/ for details. This isn't going to work with the UB one as the FOS won't look at a case which is before the courts

[rich23121955]

Re: asset collections v rich23121955

Your defence needs to be filed by Tuesday ( Claim 11th Aug) . You sent the CPR and CCA requests, and haven't had any documents in response, in which case I think you can keep things simple for the moment with the basic Defence Example - have a read through it and ask anything you need to, you can amend and post up here before you send.

Can I ask when you sent to CCA and CPR requests and where you sent each to. Both where sent to asset collections in glasgow but have since found out they are not dealing with claim and its ACI in blackpool.

It doesn't show on your credit file at all ? this is from clear score regarding uncle buck.

Regular Payment

£101
Current balance

£0
Opening Balance

£75

Account opened

15 May 2014
Last updated

25 January 2016
Account number

**1172
Frequency

Monthly

Regular Payment

£439
Current balance

£0
Opening Balance

£325

Account opened

31 May 2014

the folowing is form my noodle report.

Uncle Buck

£ 0

01/10/2014

Settled

Active Securities LTD

£ 0

01/06/2014

Settled

Uncle Buck

£ 0

01/07/2014

Settled

Novaloans LTD

£ 0

03/06/2014

Settled

Uncle Buck

£ 0

02/06/2014

Settled

Also just checking with @Debt Camel; if there's any other foibles uncle buck claims have ?

Sharon
xx

tried to ans what I can in like I say the only entries on my credit file shows a settled account no where does is say its defaulted and there is no record of either 1stop recoveries or asset collections or a default will this help my defense and if so how do I go about it can defense be filed online and do I have to attend court ( getting time of from work very difficult and im due to be out the country for 14 days after the 24th of sept)

[rich23121955]

Re: asset collections v rich23121955

just checked check my file and its same story nothing from ACI or default from uncle buck it just shows as settled