Received letter of claim and it's scary!

[wheretostart]

As title above. I received a letter dated the 24th of August (why a letter requiring a response within 30 days would take 2 weeks is something that bothers me, but that's a personal gripe).

The letter is from Kearn's solicitors, who claim the debt was legally assigned to LC Asset 2 SARL, with Link Financial being appointed to administer and recover the account.

I must admit I've been guilty of hoping this would all just go away, so am now desperately searching for some help with this. I have had a browse on the forum, and it seems I need to be wary of giving too much information about it until I know what you need.

Thanks in advance for any help

[Roger]

As title above. I received a letter dated the 24th of August (why a letter requiring a response within 30 days would take 2 weeks is something that bothers me, but that's a personal gripe).
The letter is from Kearn's solicitors, who claim the debt was legally assigned to LC Asset 2 SARL, with Link Financial being appointed to administer and recover the account.
I must admit I've been guilty of hoping this would all just go away, so am now desperately searching for some help with this. I have had a browse on the forum, and it seems I need to be wary of giving too much information about it until I know what you need.
Thanks in advance for any help

Welcome to AAD

No two Debts are the same.

LC Asset 2 SARL are apparently registered in Luxembourg (make a note of this for yourself and records because this might be significant)

It would be helpful if you could provide more information using the AAD Diary format

• Type of account -
• Date commenced -
• Approx balance -
• Date last 'full' payment -
• Arrangement -
• Status - defaulted
• Account owner -

This helps you in taking control of your debt(s) and helps AAD Mods recommendations especially in dealing with Kearn's Letter

[wheretostart]

Welcome to AAD

No two Debts are the same.

LC Asset 2 SARL are apparently registered in Luxembourg (make a note of this for yourself and records because this might be significant)

It would be helpful if you could provide more information using the AAD Diary format

• Type of account - Halifax Credit Card
• Date commenced - 01/2000
• Approx balance - Just under £10k
• Date last 'full' payment - Approx Feb 2020 (Unsure)
• Arrangement - None, no payments made, no contact made
• Status - defaulted, sometime in 2020, with DCA
• Account owner - Bank of Scotland (Halifax) - appears to now be LC Asset SARL 2/Link Financial outsourcing

This helps you in taking control of your debt(s) and helps AAD Mods recommendations especially in dealing with Kearn's Letter

Thanks for your help. By the way, you have an excellent name (from one Roger to another)

[Colin G Quinn]

Hi,

Ok, no need to panic and no need to be scared, honestly. We're all here to help.

If you could set out the information Roger has suggested you provide, that would help and will be a good starting point for everyone to start assisting.

I'm not sure I understand the beginning of your post. Are you saying their letter is dated 24th August and took two weeks to be received by you?

[wheretostart]

I'm not sure I understand the beginning of your post. Are you saying their letter is dated 24th August and took two weeks to be received by you?

One of my teenage children has opened the letter (I'll assume mistakenly) and left it in the living room. I can't say for certain it took 2 weeks, but it certainly appears that way. It's dated the 24th of August, but I discovered it on the 7th of September (complete with dog chew marks!) I doubt it had been there for more than a couple of days

[Colin G Quinn]

Ok, I'd be happy to have a look at the letter if you want to email it to me, dog chew marks and all, and then I'll come back to you on here with some preliminary thoughts. If you want to do that my email address is in my legal disclaimer below, and we do not charge for such a review.

If not, and in any event, in the meantime, set out the information Roger has suggested.

[wheretostart]

Ok, I'd be happy to have a look at the letter if you want to email it to me, dog chew marks and all, and then I'll come back to you on here with some preliminary thoughts. If you want to do that my email address is in my legal disclaimer below, and we do not charge for such a review.

If not, and in any event, in the meantime, set out the information Roger has suggested.

Thank you. I am currently having to use my mobile phone for the pictures, as I do not have a scanner. This is giving me pic files of approx 9mb each. Including front and back there are 10 sheets in total, which are the letter of claim, information notice on the reverse, 4 sheets for "reply form", 2 for Annex 1 information sheet, 1 for statement of account and one for financial statement. Please clarify which you need so I don't clog up your inbox/get it bounced for large file size etc

[Colin G Quinn]

Hi, no problem, as a starter, if you just want to send pages one and two. That should give me enough initially.

[Still Waving]

Edit - Superseded.

[wheretostart]

If not, and in any event, in the meantime, set out the information Roger has suggested.

• Type of account - Halifax Credit Card
• Date commenced - 01/2000
• Approx balance - Just under £10k
• Date last 'full' payment - Approx Feb 2020 (Unsure)
• Arrangement - None, no payments made, no contact made
• Status - defaulted, sometime in 2020, with DCA
• Account owner - Bank of Scotland (Halifax) - appears to now be LC Asset SARL 2/Link Financial outsourcing

[Colin G Quinn]

Hi,

I've received your email. I will review the letter and get back to you ASAP. In the meantime, don't let this worry you. That is exactly what these companies prey upon.

[wheretostart]

Hi,

I've received your email. I will review the letter and get back to you ASAP. In the meantime, don't let this worry you. That is exactly what these companies prey upon.

Thank you very much. I have received your email reply but don't want to be taking too much of your time by replying to both. I appreciate the help.

[Gerry Jemitus]

If you have a smart phone, there are a few free scanner apps that are designed to produce good quality images, including multiple pages and the file sizes are much smaller. There is an Adobe one which I think works well. Emails usually limit total file sizes to 20 - 25Mb per email, or reduce the file quality which can make them unreadable.

[Colin G Quinn]

Hi, I have received your email.

Given the information I have before me, which is only information contained within a single letter; there is a very high probability the alleged agreement is 'irredeemably unenforceable', which means that breach can never be cured by the assignee.

I also have genuine suspicions, for good reason, that any Default Notice sent to you was defective, or not served at all. I would appreciate if you could email me any documentation you have, and I would hold off replying to anything until we have discussed this further.

[Colin G Quinn]

Hi,

I have received your email. I will respond privately to it.