IDR Finances UK II Limited ( Kearns ) v Patchouli - Issued 11 April 2016

[patchouli]

Your AAD Forum Username

Patchouli

Name of Claimant

IDR Finances UK II Limited

Name of Claimant's Solicitors

Kearns

Claim Issue Date

11 April 2016

Who Signed the Claim Form?

An Individual (i.e. Joe Blogs)

How much is being Claimed?

Under £10,000

Have you Submitted the AoS Response?

No

If Yes, when was the AoS Submitted

-

Details of Claim

Credit card debt.

[PlanB]

Re: IDR Finances UK II Limited ( Kearns ) v Patchouli - Issued 11 April 2016

This wasn't unexpected but annoying nevertheless.

I've posted on your Diary thread but from now on we'll keep everything on this one.

Plan B x

They have issued a claim.... no idea what to do :-( Can't tell hubby as he's really upset about us having to have our dog put down yesterday...

I've never had a claim before... There's a couple of forms asking question about his employment etc....

. . . . and breathe . . .

This is your hubby's ex MBNA credit card account which was opened in 2009. That may mean you can't play the *unenforceable* card in relation to the way the credit agreement was set out, but that doesn't mean the Claimant (Link) has got everything else right. They have to prove they own the debt for starters.

So one step at a time.

Email me the first page of the Claim Form (N1) without anything edited out. No one will see it except me and Jo (not even your hubby ).

You can break the news to him gently in a day or two when you know better where he stands legally speaking.

There will be options.

I'm assuming it's this account > http://forums.all-about-debt.co.uk/s...l=1#post556100

Plan B x

Use planb@all-about-debt.co.uk

[PlanB]

Re: IDR Finances UK II Limited ( Kearns ) v Patchouli - Issued 11 April 2016

Can you also email me the CCA Kearns solicitors sent to you, plus any Notice of Assignment, Default Notice and statements etc

Was there PPI on this account?

Plan B x

[PlanB]

Re: IDR Finances UK II Limited ( Kearns ) v Patchouli - Issued 11 April 2016

It's time to get this show on the road

Login to MCOL to Acknowledge Service of the Claim. Tick the box stating you "intend to defend all of the claim" and sign the form digitally.

DO NOT fill in anything else. This is the point when some people accidentally enter a blank Defence.

Take a screenshot of the confirmation that your AOS has been successful in case there's a technical hitch.

Plan B x

[patchouli]

Re: IDR Finances UK II Limited ( Kearns ) v Patchouli - Issued 11 April 2016

Thank you SO much for talking to hubby today... as he told you I dumped the news and ran!!! lol

He was so much calmer and more positive when i got back from work (no I wasn't hiding in the garden!! lol)

I look forward to your email telling me what to do next.

[PlanB]

Re: IDR Finances UK II Limited ( Kearns ) v Patchouli - Issued 11 April 2016

Thank you SO much for talking to hubby today....

It was a very useful phone conversation

I'll email you your homework later

Plan B x

[patchouli]

Re: IDR Finances UK II Limited ( Kearns ) v Patchouli - Issued 11 April 2016

lol

[PlanB]

Re: IDR Finances UK II Limited ( Kearns ) v Patchouli - Issued 11 April 2016

Login to MCOL to Acknowledge Service of the Claim. Tick the box stating you "intend to defend all of the claim" and sign the form digitally.

DO NOT fill in anything else. This is the point when some people accidentally enter a blank Defence.

Take a screenshot of the confirmation that your AOS has been successful in case there's a technical hitch.

I've got your email

Yes you need to login to MCOL to file the AOS.

This is your hubby's claim so even if you are dealing with it for him he will still be responsible for his legal obligations.

Plan B x

[patchouli]

Re: IDR Finances UK II Limited ( Kearns ) v Patchouli - Issued 11 April 2016

I've got your email

Yes you need to login to MCOL to file the AOS.

This is your hubby's claim so even if you are dealing with it for him he will still be responsible for his legal obligations.

Plan B x

ok am there.. am registering (as him)

I've enrolled and have a customer number...... have I done it right?

[patchouli]

Re: IDR Finances UK II Limited ( Kearns ) v Patchouli - Issued 11 April 2016

I can not find the defence pack password however...?

[patchouli]

Re: IDR Finances UK II Limited ( Kearns ) v Patchouli - Issued 11 April 2016

ahhh Googled and have it under 'important note'

[patchouli]

Re: IDR Finances UK II Limited ( Kearns ) v Patchouli - Issued 11 April 2016

ok so I click this one? Start AOS..?

If you need 28 days (rather than 14) from the date of service to prepare your defence, or wish to contest the court's jurisdiction, complete the Acknowledgment of Service (AOS).

[patchouli]

Re: IDR Finances UK II Limited ( Kearns ) v Patchouli - Issued 11 April 2016

OMG I did it..... talk about ass eat knickers!!

I'll send you the screenies xx

[cymruambyth]

Re: IDR Finances UK II Limited ( Kearns ) v Patchouli - Issued 11 April 2016

Well done; its daunting - because it is legal you are petrified in case you do anything wrong.

[patchouli]

Re: IDR Finances UK II Limited ( Kearns ) v Patchouli - Issued 11 April 2016

No joke! ha ha...