Kearns letter of claim

**Amethyst** · 9th January 2019, 10:57:AM

You're not obliged to write to them but it may be a good idea to remind them you responded to their letter of claim asking for documents but that none have yet been forthcoming - referencing their previous letter to you.

I'd also send a SAR to the original creditor of the debt they are chasing to satisfy yourself as to the details of the debt - as it may come in useful further along.

**Milkybarkid** · 19th August 2019, 23:06:PM

Thanks for the advice given,

After 8 long months, I've just received from Kearns the documentation I requested. The clock starts ticking again, I have 30 days to reply, yes?

I find myself caught between a rock and a hard place. The alleged debt will be statute barred, I believe in late October.

Kearns has provided what could be a photocopy of an original agreement/ application from 2003. Most, but not all is legible. Amongst other docs docs is original t&C's which are illegible.

This has been a marathon with the stress of it that clings like a barnacle.

Your advice would be greatly appreciated

**MIKE770** · 20th August 2019, 06:45:AM

Amethyst

**MIKE770** · 20th August 2019, 06:48:AM

illegible documents copies are unenforceable, does the document you have show all the prescribed terms? and is it a true copy of an aledged original CCA1974 as pre 2007 applications have to be. If not they are trying to be clever so do not panic.

**Milkybarkid** · 20th August 2019, 18:29:PM

Thanks for the speedy response.
I will check for that, would you have a link as to any examples of this that I can compare, please

Possibly more critically, I was also sent a copy of Mercer's original default notice dated June 2013. I overlooked it previously because I was so engrossed with the other documents I assumed it would be statute barred this October as stated on my Experian credit file. Which date can I work to? Please tell me it's already statute barred
Thanks

**Milkybarkid** · 22nd August 2019, 08:27:AM

Please, can anyone help. I feel like I'm so close to getting to the end of this nightmare
thanks

**Amethyst** · 22nd August 2019, 08:30:AM

Mercers didn't own the debt so couldn't issue a default notice - if you could you post up a copy of that, and the agreement pls. ( email if you can't get it on the post admin@legalbeagles.info )

**Amethyst** · 23rd August 2019, 06:18:AM

The default notice ran out on 13 July 2013 so if no payment was made that would be the date they could have called in the full amount and not just arrears, thus the cause of action. The only place you got October from was your credit file wasnt it? or did they plead the default was Oct ?

I only got the agreement front page and Mercers default notice on email - second email didn't have any docs attached so you might need to resend.

The DN does have Barclays address on ( pt2537 was it ruled Mercer's could issue default notices in the end ? ) - was there a second page to it though as there's no mention of the OFT documents nor half the prescribed content ( see http://www.legislation.gov.uk/uksi/1...chedule/2/made )

The agreement looks ok enough but obviously incomplete and the teeny amount of text on there likely refers to the terms and conditions which they will need to have provided too - and be legible so likely a recon required.

**Amethyst** · 23rd August 2019, 08:08:AM

Thank you - ok yes those seem to be the terms from when you signed the agreement and contain the prescribed terms - they are readable and any illegibility could be resolved by providing a recon.

They have also provided the varied terms.

Attached Files

**Amethyst** · 23rd August 2019, 08:11:AM

Default notice - yes there is a second page

Attached Files

**Amethyst** · 23rd August 2019, 08:13:AM

The October date is the date of assignment - not the default date.

Attached Files

**Amethyst** · 23rd August 2019, 08:15:AM

So question is whether you acknowledged the debt before end of June and whether the Mercer's default notice is compliant ... pt2537

**Amethyst** · 23rd August 2019, 08:17:AM

Originally posted by Milkybarkid View Post

Good Morning Beagles,

Apologies, starting a new thread, I think I've been posting in the wrong place!

Following on from a previous thread with you,

I received a letter of claim in November of last year and returned the form in good time, asking for an extra 30 days and requesting details, documents, cca, etc. I stated that I "didn't know if I owed the debt"

The returned letter for was acknowledged by Kearns, saying the documents would be sent in due course.

I am now at the end of the 30 day extension. Should I wait for the documents to come through (which I assume they don't have) or am I obliged to write to them, "denying" the alleged debt.

Help would be greatly appreciated,
thanks, Milky

Did you keep a copy of your reply ? ( ie could this be classed as acknowledgement )

**Milkybarkid** · 23rd August 2019, 08:25:AM

By that, do you mean, "did I acknowledge the letter from Mercer's? "The answer would be no.
From memory, the only letter I have acknowledged was the letter of claim from Kearns.
Hopefully you have all the documents now that I've sent.
Sorry for delay, I'm away from home right now. I will be back home at the weekend
Thanks for your help and advice

Kearns letter of claim