Piggybank

[scottygees]

13th March- Letter before claim received from AJJB Law. I have standard 30 day to reply so about the 11th April.

[Joanna Connolly Solicitors]

13th March- Letter before claim received from AJJB Law. I have standard 30 day to reply so about the 11th April.

If you've received a Letter of Claim you can email it to me for suggestions on how to manage the situation.

Is the history of this debt on your Diary?

Di

[scottygees]

If you've received a Letter of Claim you can email it to me for suggestions on how to manage the situation.

Is the history of this debt on your Diary?

Di

Hi Di, no the only history regarding this debt is this post. I will send the LBC to you to cast you eye over.

Thanks

[Joanna Connolly Solicitors]

Hi Di, no the only history regarding this debt is this post. I will send the LBC to you to cast you eye over.

Thank you for the update - I've received your email with the Letter of Claim

Di

[Joanna Connolly Solicitors]

13th March- Letter before claim received from AJJB Law. I have standard 30 day to reply so about the 11th April.

My suggestion is send a s77 CCA Request to the Debt Collection Agent named in the Letter of Claim.

I would send a copy of that CCA Request to the law firm (AJJB Law) who have sent you the Letter of Claim to make them aware of the situation.

Depending on what, if anything, you receive from the Agent or AJJB Law you can reply to the Letter of Claim before 11th April. I expect you will tick Box D to dispute the debt unless they produce a compliant credit agreement.

Di

[scottygees]

My suggestion is send a s77 CCA Request to the Debt Collection Agent named in the Letter of Claim.

I would send a copy of that CCA Request to the law firm (AJJB Law) who have sent you the Letter of Claim to make them aware of the situation.

Depending on what, if anything, you receive from the Agent or AJJB Law you can reply to the Letter of Claim before 11th April. I expect you will tick Box D to dispute the debt unless they produce a compliant credit agreement.

Di

Yes that was my intention to tick box D. There also appears to be issues with the DN, should I address that at a later date? I assume I send the s77 now rather than wait until nearer the 30 day deadline date?

As usual thanks in advance

[Joanna Connolly Solicitors]

Yes that was my intention to tick box D. There also appears to be issues with the DN, should I address that at a later date? I assume I send the s77 now rather than wait until nearer the 30 day deadline date?

Yes

(a) send the s77 CCA Request now plus £1 postal order and Royal Mail Recorded Delivery

(b) reply to the Letter of Claim nearer the deadline to reflect what you do/don't receive in response to your s77 CCA Request

(c) at the Letter of Claim reply stage you can ask for the Default Notice since I think there may be an issue if it was served by email unless you gave express permission for that possibly hidden in the small print in any Ts & Cs which they would need to evidence in conjunction with your s77 CCA Request.

Since the client (Piggybank) is in Administration it may be hard for anyone to produce the necessary documents. However I can't promise that.

Let's see what happens.

Di

[scottygees]

Yes

(a) send the s77 CCA Request now plus £1 postal order and Royal Mail Recorded Delivery

(b) reply to the Letter of Claim nearer the deadline to reflect what you do/don't receive in response to your s77 CCA Request

(c) at the Letter of Claim reply stage you can ask for the Default Notice since I think there may be an issue if it was served by email unless you gave express permission for that possibly hidden in the small print in any Ts & Cs which they would need to evidence in conjunction with your s77 CCA Request.

Since the client (Piggybank) is in Administration it may be hard for anyone to produce the necessary documents. However I can't promise that.

Let's see what happens.

Di

s77 CCA request sent to Piggybank with a copy sent to their Solicitors

[Joanna Connolly Solicitors]

s77 CCA request sent to Piggybank with a copy sent to their Solicitors

The s77 CCA Request should have gone to the agent mentioned/requested in the Letter of Claim not to Piggybank (in administration) as per my post #20 below >

My suggestion is send a s77 CCA Request to the Debt Collection Agent named in the Letter of Claim.

I would send a copy of that CCA Request to the law firm (AJJB Law) who have sent you the Letter of Claim to make them aware of the situation.

Depending on what, if anything, you receive from the Agent or AJJB Law you can reply to the Letter of Claim before 11th April. I expect you will tick Box D to dispute the debt unless they produce a compliant credit agreement.

Di

Di

[scottygees]

The s77 CCA Request should have gone to the agent mentioned/requested in the Letter of Claim not to Piggybank (in administration) as per my post #20 below >




Di

I will get another one off to CRS asap.More haste less speed!

[The Tech Clerk]

Recorded delivery keep copy and update any diaries

[scottygees]

26/3/20 Email received rom CRS, still awaiting reply to the LBC issued by their Solicitors.They can wait a bit longer as they haven’t replied to my CCA request plus I have until 13th April to reply by

[Roger]

26/3/20 Email received rom CRS, still awaiting reply to the LBC issued by their Solicitors.They can wait a bit longer as they haven’t replied to my CCA request plus I have until 13th April to reply by

If you have an Alsation why Bark yourself?

The LBC wasn't supposed to be just another PRESSURE to PAY!

If I were you I would treat all of their emails as SPAM!

[The Tech Clerk]

or in case of "EMERGENCY" use print facing floor before flushing? just an idea!

[scottygees]

Further email received from CRS outlining the implications of a CCJ and staying they haven’t had a reasonable response in connection with the LBC their solicitor sent. (They haven’t had any response yet as the deadline is 11th April. ) But in all seriousness how should I respond to the LBC when it is time bearing in mind the CCA request is still currently outstanding.