Letter before claim please help.

Percy308

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Joined: Jan 2023

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#1

Letter before claim please help.

13th January 2023, 18:43:PM

Hi all, I have received a letter before claim from tm legal services acting on behalf of Perch Capital for a payday loan from uncle buck. I have asked for a copy of original Credit Agreement and recieved one back.
could someone please check it over for me to see if it looks correct and also advise what to do next please.
many thanks

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des8

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Joined: Mar 2013

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15th January 2023, 15:56:PM

The letter you received should comply with the preaction protocols: file:///C:/Users/Pc/Downloads/pre-action-protocol-for-debt-claims.pdf

Do you admit the debt?
How long since defaulted?
Any contact since then?

Regarding the credit agreement, without knowing the terms of the original, I doubt anyone can say whether or not it is correct.
Check that names, addresses, interest rates dates etc are correct

Last edited by des8; 15th January 2023, 16:06:PM.
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SHORTCUTS

First Steps
Check dates
Income/Expenditure
Acknowledge Claim
CCA Request
CPR 31.14 Request
Subject Access Request Letter
Example Defence
Set Aside Application
Directions Questionnaire

If you received a court claim and would like some help and support dealing with it, please read the first steps and make a new thread in the forum with as much information as you can.

NOTE: If you receive a court claim note these dates in your calendar ...
Acknowledge Claim - within 14 days from Service

Defend Claim - within 28 days from Service (IF you acknowledged in time)

If you fail to Acknowledge the claim you may have a default judgment awarded against you, likewise, if you fail to enter your defence within 28 days from Service.

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Letter before claim please help.