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poc
The claimant claims xxxxx for debt and interest.
On 20/01/2002 the defendant enterd into an agreement for a credit card with bank of scotland plc under ref xxxxxx.
On 01/02/2010 the defendant defaulted on the agreement with an outstanding balance of xxx.
O20/06/2012 the debt of xxxx was assighned to 1st credit(finance) 5 ltd.
On19/11/2012 the company changed its name to cai finance ltd and on 01/04/2013 assighned the debt to 1st credit(finance) ltd
notices of assighnment were sent to the defendant in accordance with s.136 law of property act 1925
and the claimant claims
1 the sum of xxxx
2statutory interest of 5000 pursuant to s.69 county courts act 1984 at a rate of 8% per annum from 30/08/2012 to 20/11/2013 and therafter at a daily rate of 1.06 untill judgment or sooner payment.
basicaly i took out a credit card in 2002 and wasnt able to keep up payments i payed most of the debt but this is all mostly ppi and late fees which i want to reclaim
i sent a cca and cpr31 12 days ago have not heard back about the cpr or the cca the claim foprm has a printed signature.
i have read lots of forum but i just dont know what to do just so confused hoping to get some help on the defence as the deadline is till fiday
poc
The claimant claims xxxxx for debt and interest.
On 20/01/2002 the defendant enterd into an agreement for a credit card with bank of scotland plc under ref xxxxxx.
On 01/02/2010 the defendant defaulted on the agreement with an outstanding balance of xxx.
O20/06/2012 the debt of xxxx was assighned to 1st credit(finance) 5 ltd.
On19/11/2012 the company changed its name to cai finance ltd and on 01/04/2013 assighned the debt to 1st credit(finance) ltd
notices of assighnment were sent to the defendant in accordance with s.136 law of property act 1925
and the claimant claims
1 the sum of xxxx
2statutory interest of 5000 pursuant to s.69 county courts act 1984 at a rate of 8% per annum from 30/08/2012 to 20/11/2013 and therafter at a daily rate of 1.06 untill judgment or sooner payment.
basicaly i took out a credit card in 2002 and wasnt able to keep up payments i payed most of the debt but this is all mostly ppi and late fees which i want to reclaim
i sent a cca and cpr31 12 days ago have not heard back about the cpr or the cca the claim foprm has a printed signature.
i have read lots of forum but i just dont know what to do just so confused hoping to get some help on the defence as the deadline is till fiday