Catalogue debt been given ccj forms

[Jane091183]

I came across this site whilst searching.

Today I have recieved a claim form for a ccj dated 07.06.2024 on behalf of kearns solicitors never heard of them before and also the claimant lc asset 2 s.a.r.l in luxembourg very strange as we are in the UK.

I know its for a catalogue jd williams as far as I was aware it was with link I believe

The claimant claims the whole of the outstanding balance and payable under an agreement referance z***** and opened effectively from 26/11/20214. The agreement is regulated by the Consumer Credit Act 1974. Was signed b ly the defendent and from which credit was extended to. D failed with a default notice served pursuant to s87 (1) CCA and by 03.12.2023 a default was recorded. As at 16.08.2023the defendant owed jjd the sum of 2.386.09
by an agreement I writing the benefit of the debt has legally assigned claimant effective 16.08.2023 and made regular upon claimant serving a notice of assignment upon defendant thereafter. Claimant claims 1. 2.386.09
2. Interest pursuant to section 69 county courts act 1984 ar a rate of 8% per annum from 16.08.2023 to 07.06.2024 of 146.45 and thereafter at a dailt rate of 0.50 to date of judgement or sooner payment ddate 0y.06.2024

Any

[Jane091183]

07.06.2024 that last date should really sorry

[echat11]

Hi Jane

Welcome to LB

Fill in the following, copy and paste back to this thread, without personal details.

Received a claim? Yes/No:
Issue Date:
Have you Acknowledged the Claim?:
Total Amount Claimed : ( approximately please do NOT use EXACT figure given on the claim form, round up to next £100 or £1000)
Claimant’s Name:
Solicitors Firm:
Original Creditor:
Original Debt (eg. Credit card/Loan/Overdraft) :
Particulars of Claim: ( Please type out in full excluding names/account numbers/exact amounts ):
Is the debt Statute Barred (have you had any contact with the creditor or claimant over the last 6 years?):
List any letters you have sent (eg: CCA/ CPR ):
Any Other Information or Background Details:
How old is the debt?

a) First Acknowledge the Claim, you can do this online via MCOL, this will give you 28 days (plus 5 days postal) in total to work on your defence.

https://legalbeagles.info/library/gu...ledge-a-claim/

b) Send a SAR request to JD Williams, they have 30 days to provide all the data they hold on the account. Make sure you get Proof of Postage.

https://legalbeagles.info/library/gu...ccess-request/

c) Send LC asset 2 s.a.r.l a CCA request, they have 12 days to provide the requested documents. Make sure you get Proof of Postage.

https://legalbeagles.info/library/gu...etter-example/

d) Send a CPR 31.14 request to kearns solicitors, they have 7 days to provide all the documents they are relying on to make the claim against you, again get Proof of Postage.

https://legalbeagles.info/library/gu...-of-documents/

e) This is an example Defence, start looking at it, don't fill or file it with the Court or their solicitors yet.

https://legalbeagles.info/library/gu...-court-claims/

Don't speak to creditors, solicitors etc over the phone, everything in writing. Keep on top of this, especially dates for filing defence etc. Workout when your Defence is due, 28 days from the date on the claim form. If you can post on the thread 5 days before it's due we can help with your Defence.

[Jane091183]

Issue Date:07.06.2024

Have you Acknowledged the Claim?:no

Total Amount Claimed : ( approximately please do NOT use EXACT figure given on the claim form, round up to next £100 or £1000) 2900

Claimant’s Name: lc asset 2 s.a.r.l

Solicitors Firm: kearns solicitors

Original Creditor: jd williams and company limited

Original Debt (eg. Credit card/Loan/Overdraft) :catalogue

Particulars of Claim: ( Please type out in full excluding names/account numbers/exact amounts ):
The claimant claims the whole of the outstanding balance and payable under an agreement referance z***** and opened effectively from 26/11/20214. The agreement is regulated by the Consumer Credit Act 1974. Was signed b ly the defendent and from which credit was extended to. D failed with a default notice served pursuant to s87 (1) CCA and by 03.12.2023 a default was recorded. As at 16.08.2023the defendant oweowed williams and company limited the sum of 2.386.09
by an agreement I writing the benefit of the debt has legally assigned claimant effective 16.08.2023 and made regular upon claimant serving a notice of assignment upon defendant thereafter. Claimant claims 1. 2.386.09
2. Interest pursuant to section 69 county courts act 1984 ar a rate of 8% per annum from 16.08.2023 to 07.06.2024 of 146.45 and thereafter at a dailt rate of 0.50 to date of judgement or sooner payment ddate 07.06.2024

Is the debt Statute Barred (have you had any contact with the creditor or claimant over the last 6 years?):
No
List any letters you have sent (eg: CCA/ CPR ): none

Any Other Information or Background Details: me and mu partner on and off. Single parent. Cost of living

How old is the debt?
About 8 months

[Jane091183]

So I send all letters recorded delivery??

[echat11]

So I send all letters recorded delivery??

Proof of Postage, you can send them Recorded if you want.