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Received a claim? Yes
Issue Date: 25-8-2015
Amount approx:
Claimant: 1st Credit (Finance) Limited
Solicitor: Walker Morris LLP
Original Credit: Marks & Spencers
Particulars of Claim:
On **/11/ 1999 the Defendant entered into an agreement for a credit card with the original creditor under Ref No ********* On the **/12/2009 the Defendant defaulted on the agreement with an outstanding balance of 5000. On **/01/2013 the debt was assigned to 1st Credit (Finance) Ltd in the sum of 5000 by the creditor. Statutory Notices of Assignment were sent to the defendant.
AND THE CLAIMANT CLAIMS
1. The sum 6000
2. Statutory interest pursuant to S.69 County Courts Act 1984 at 8% per annum from **/01/2013 until judgement or sooner payment.
The claimant claims interest under section 69 of the County Courts Act 1984 at the rate &% a year from **/01/2013 to **/08/2015 on 5000 and also interest at the same rate up to the date of judgement or earlier payment at a daily rate of 1.09.
Stat Barred? Yes
Have sent: Acknowledged the Claim
Other Info:
Received this claim from 1st Credit but thought that this was statute barred as I did some investigating and found the original default notice which was issued **/07/2009 and not as 1st credit have said which is the **/12/2009. I then checked my credit file and they have have lodged a default on my file with an inaccurate default showing **/12/2009.
Also it is not a credit card as mentioned in the particulars of claim but an account called a personal reserve (if that makes any difference!)
I had some money problems and could not make any more payments so the last payment and contact was **/04/2009.
Also 1st Credit state that they had bought the debt in Jan 2013 yet the default registered with the CRA is 1st Credit dated **/12/2009 reading through some of the threads I thought that they had to use the original default notice date!
Any help would be appreciated in what to do next
Many thanks in advance
Tilly
Issue Date: 25-8-2015
Amount approx:
Claimant: 1st Credit (Finance) Limited
Solicitor: Walker Morris LLP
Original Credit: Marks & Spencers
Particulars of Claim:
On **/11/ 1999 the Defendant entered into an agreement for a credit card with the original creditor under Ref No ********* On the **/12/2009 the Defendant defaulted on the agreement with an outstanding balance of 5000. On **/01/2013 the debt was assigned to 1st Credit (Finance) Ltd in the sum of 5000 by the creditor. Statutory Notices of Assignment were sent to the defendant.
AND THE CLAIMANT CLAIMS
1. The sum 6000
2. Statutory interest pursuant to S.69 County Courts Act 1984 at 8% per annum from **/01/2013 until judgement or sooner payment.
The claimant claims interest under section 69 of the County Courts Act 1984 at the rate &% a year from **/01/2013 to **/08/2015 on 5000 and also interest at the same rate up to the date of judgement or earlier payment at a daily rate of 1.09.
Stat Barred? Yes
Have sent: Acknowledged the Claim
Other Info:
Received this claim from 1st Credit but thought that this was statute barred as I did some investigating and found the original default notice which was issued **/07/2009 and not as 1st credit have said which is the **/12/2009. I then checked my credit file and they have have lodged a default on my file with an inaccurate default showing **/12/2009.
Also it is not a credit card as mentioned in the particulars of claim but an account called a personal reserve (if that makes any difference!)
I had some money problems and could not make any more payments so the last payment and contact was **/04/2009.
Also 1st Credit state that they had bought the debt in Jan 2013 yet the default registered with the CRA is 1st Credit dated **/12/2009 reading through some of the threads I thought that they had to use the original default notice date!
Any help would be appreciated in what to do next
Many thanks in advance
Tilly
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