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Hi All,
Just want to say i have spent several hours reading through the threads to better my knowledge and to make life easier for all those willing to give advice. This is a fantastic forum and have gained so much knowledge through reading most of the relevant threads and would like to thank you all in advance in helping people like myself who have absolutely no clue in how to approach such topics.
So i am planning with my partner to eventually get a mortgage and today this has come through my post a County Court Claim form (Northampton) this is all i need now and have totally forgotten about this. Its from a credit card Vanquis which i took out many many years ago and have not made any contact with them due to change of address nor heard from them till recently for the best of 4 years.
The letter states the following and dated 20 September 2016
1) The defendant entered into a Consumer Credit Act 1974 regulated agreement with Vanquis under account reference 4023962102270036 (“the Agreement”)
2) The defendant failed to maintain the required payments and a default notice was served and not complied with
(I don't remember a default notice, it's from 2009)
3) The Agreement was later assigned to the claimant on 30/08/2012 and notice given to the defendant
4) Despite repeated request for payment, the sum of £2,079.08 remains due and outstanding.
And the claimant claims
a) The said sum of £2,079.08
b) Interest pursuant to s69 county courts Act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, accruing at a daily rate of £0.456, but limited to one year, being £166.33
c) costs
What i have done so far:
I have registered on MCO and now on the final step of Acknowledgement of service p.s i did not click the option to Contest jurisdiction as live in London and i believe that only applies if living in Scotland? (if i am wrong please correct me) as i have still yet to submit.]
Next step is to send the CCA request to the Claimant (Vanquis) ???
And also a CPR to the solicitor (Lowell)?
I hope i have given enough information to help me on my way, i will be posting updates regularly to also help others gain a clear understanding of whats happening.
Reiss
Just want to say i have spent several hours reading through the threads to better my knowledge and to make life easier for all those willing to give advice. This is a fantastic forum and have gained so much knowledge through reading most of the relevant threads and would like to thank you all in advance in helping people like myself who have absolutely no clue in how to approach such topics.
So i am planning with my partner to eventually get a mortgage and today this has come through my post a County Court Claim form (Northampton) this is all i need now and have totally forgotten about this. Its from a credit card Vanquis which i took out many many years ago and have not made any contact with them due to change of address nor heard from them till recently for the best of 4 years.
The letter states the following and dated 20 September 2016
1) The defendant entered into a Consumer Credit Act 1974 regulated agreement with Vanquis under account reference 4023962102270036 (“the Agreement”)
2) The defendant failed to maintain the required payments and a default notice was served and not complied with
(I don't remember a default notice, it's from 2009)
3) The Agreement was later assigned to the claimant on 30/08/2012 and notice given to the defendant
4) Despite repeated request for payment, the sum of £2,079.08 remains due and outstanding.
And the claimant claims
a) The said sum of £2,079.08
b) Interest pursuant to s69 county courts Act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, accruing at a daily rate of £0.456, but limited to one year, being £166.33
c) costs
What i have done so far:
I have registered on MCO and now on the final step of Acknowledgement of service p.s i did not click the option to Contest jurisdiction as live in London and i believe that only applies if living in Scotland? (if i am wrong please correct me) as i have still yet to submit.]
Next step is to send the CCA request to the Claimant (Vanquis) ???
And also a CPR to the solicitor (Lowell)?
I hope i have given enough information to help me on my way, i will be posting updates regularly to also help others gain a clear understanding of whats happening.
Reiss
