scottygees UE diary

[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]

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]

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

[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]

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]

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]

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

[Joanna Connolly Solicitors]

It was payday express.

Did you have more than one PDL with them which might have the potential for an 'affordability' complaint and possible interest refund?

Read this link to see if it helps you > https://debtcamel.co.uk/refunds-payd...ss-money-shop/

Di

[scottygees]

Ok, but consider whether a complaint might strengthen your bargaining power for a F & F albeit they're only chasing £79.

If the complaint went to the FOS they have to pay them something like £500 for the investigation which they will know, so that could focus their mind in any negotiations

Who was the original PDL lender?

Di

It was payday express.

[Joanna Connolly Solicitors]

I do remember this one unfortunately. I will send the CCA request and see what comes back and then look at offering a F&F due to the low amount owed.Thanks again

Ok, but consider whether a complaint might strengthen your bargaining power for a F & F albeit they're only chasing £79.

If the complaint went to the FOS they have to pay them something like £500 for the investigation which they will know, so that could focus their mind in any negotiations

Who was the original PDL lender?

Di

[scottygees]

Yes it's still £1 for the statutory fee to be sent with your CCA Request.

Are you sure you've forgotten about it or is there any possibility that you don't owe it etc? They need to prove it first.

Or you may decide to make a complaint to the PDL lender about irresponsible lending etc depending on the history of the debt.

Di

I do remember this one unfortunately. I will send the CCA request and see what comes back and then look at offering a F&F due to the low amount owed.Thanks again

[Joanna Connolly Solicitors]

Thanks for the quick response Di. This one isn’t on my diary. To be honest I had forgotten about it with it being such a small amount.

is it still £1 for the CCA request?

Yes it's still £1 for the statutory fee to be sent with your CCA Request.

Are you sure you've forgotten about it or is there any possibility that you don't owe it etc? They need to prove it first.

Or you may decide to make a complaint to the PDL lender about irresponsible lending etc depending on the history of the debt.

Di

[scottygees]

Is the history of this debt posted on your Diary?

Why not send them a CCA Request to see if that stops them in their tracks.

See what does, or doesn't, come back which may help you to decide whether a F & F is the way forward.

Di

Thanks for the quick response Di. This one isn’t on my diary. To be honest I had forgotten about it with it being such a small amount.

is it still £1 for the CCA request?

[Joanna Connolly Solicitors]

An old payday loan has just come back to haunt me. It’s only for £79 but looks like the Solicitors AJJB Law will in due course be sending a letter before claim according to the correspondence they have sent me. So this is less than 6 years old so not SB would it be worthwhile making a Full and final settlement offer or would you wait to see if they do send the LBC before deciding what action to take. I get the feeling this company is quite litigious as they have issued court proceedings against me previously.

Is the history of this debt posted on your Diary?

Why not send them a CCA Request to see if that stops them in their tracks.

See what does, or doesn't, come back which may help you to decide whether a F & F is the way forward.

Di

[scottygees]

An old payday loan has just come back to haunt me. It’s only for £79 but looks like the Solicitors AJJB Law will in due course be sending a letter before claim according to the correspondence they have sent me. So this is less than 6 years old so not SB would it be worthwhile making a Full and final settlement offer or would you wait to see if they do send the LBC before deciding what action to take. I get the feeling this company is quite litigious as they have issued court proceedings against me previously. Thanks in advance