scottygees UE diary

[scottygees]

So LBC received today from AJJB Law for the £79 payday express loan. The CCA request hasn’t been received from them. Any advice for how to best deal with this? Also just out of curiosity has anybody else had dealings with AJJB? I have had two payday loan cases which they have issued LBC on so they look like they are a litigious company irrespective of the amount owed. As usual TIA

[Warwick65]

Is this debt approaching SB or anywhere near. That may depend on what you do next. If they have an outstanding cca request , I wouldn’t send another.

[scottygees]

Is this debt approaching SB or anywhere near. That may depend on what you do next. If they have an outstanding cca request , I wouldn’t send another.

Thanks for the reply. No this isn’t approaching SB. So it is just the CCA request that is outstanding. So when I respond to the LBC what will I need to complete? Obviously the dispute the claim section but would I just need to say the reason I dispute is because no credit agreement has been provided?

[Warwick65]

Well I think maybe there are several points but I haven’t read all your thread.

Was this a lone or a line of credit you could use like a credit card- pay some off and use it again?

Was there a DN?
was there a NOA?
Did you have other payday loans when you took out this one?

If push came to shove, could you maybe scrape some money together?

[scottygees]

Well I think maybe there are several points but I haven’t read all your thread.

Was this a lone or a line of credit you could use like a credit card- pay some off and use it again?

Was there a DN?
was there a NOA?
Did you have other payday loans when you took out this one?

If push came to shove, could you maybe scrape some money together?

As far as I am aware there isn’t a DN or NOA. I did have a number of other PDLoans at the time. I suppose I can play the long game here and see what comes or make an F&F of about 50% which is about £40

[Joanna Connolly Solicitors]

So LBC received today from AJJB Law for the £79 payday express loan. The CCA request hasn’t been received from them. Any advice for how to best deal with this?

My suggestion is you should tick Box D on the Reply Form and give the reason as non compliance with your CCA Request.

Go to the box where you can ask for documents and request the Default Notice and the Notice of Assignment.

Hopefully that should make them think twice about issuing a claim for £79 without having the relevant documents first.

Don’t complete the I & E section because there is no need.

Di

[scottygees]

My suggestion is you should tick Box D on the Reply Form and give the reason as non compliance with your CCA Request.

Go to the box where you can ask for documents and request the Default Notice and the Notice of Assignment.

Hopefully that should make them think twice about issuing a claim for £79 without having the relevant documents first.

Don’t complete the I & E section because there is no need.

Di

Thanks Di, from previous knowledge this was going to be my default approach but thought I better check this out first

[Joanna Connolly Solicitors]

Thanks Di, from previous knowledge this was going to be my default approach but thought I better check this out first

Just be careful not to miss the deadline for your reply to the Letter of Claim or they will issue proceedings.

Di

[scottygees]

Just be careful not to miss the deadline for your reply to the Letter of Claim or they will issue proceedings.

Di

so LBC sent back on Monday and signed for at their end this morning at 9.33am

[scottygees]

Just out of curiosity is there anyway I can move replies from one page of this thread to another. Basically I didn’t include all debts on my first page so have updated my diary with other debts as I have gone along and would like to put them all together.
Thanks in advance

[scottygees]

Just be careful not to miss the deadline for your reply to the Letter of Claim or they will issue proceedings.

Di

So have now received an email today from a company called Lantern stating Payday express have now sold them this debt. Can I make the assumption that AJJB will have now washed their hands of this after I requested the CCA and won’t be making a claim as they are not acting for the new owner?

[Grassy_K]

So have now received an email today from a company called Lantern stating Payday express have now sold them this debt. Can I make the assumption that AJJB will have now washed their hands of this after I requested the CCA and won’t be making a claim as they are not acting for the new owner?

Lantern are a pain, they bought an old Quickquid debt of mine, and are very persistent. Still, for the amount of money involved I imagine you're not sweating too much about it...

[ca71]

So have now received an email today from a company called Lantern stating Payday express have now sold them this debt. Can I make the assumption that AJJB will have now washed their hands of this after I requested the CCA and won’t be making a claim as they are not acting for the new owner?

When a debt becomes 'questionable' (because of a lack of a CCA) are they allowed to just sell it on? And if so, doesn't the CCA pantomime just start again with the buyer?

[The Tech Clerk]

basically - yes

[Roger]

Here is the FCA here is the link!
Lantern Debt Recovery Services Ltd (fca.org.uk)

I suggest you wait until you are contacted (by letter) and my suggestion is to send the AAD Sold Whilst In Dispute letter.