Hi thank you for replying, basically took a credit card out, made payments then missed a few down to financial problems then charges were added which made it worse. I stopped paying then Lowell contacted me a few times, I didn't reply now the ccj letter. Thanks Lisa

Hi, I have recived a claim form today from northampton county court for lowell for a old vanquis credit card. says the debt was purchased/assigned to lowell 30/08/2012. Can anyone offer any advice onwhat to do with this, should i pay it or offer instalments as i can not afford it at the moment as money is very tight. I feel i would like to defend it but do not know under what grounds nor do i understand all the legal talk on what to write. Obviously lowell can legally ask for this money but i find them such a horrible company. The amount is £550.80 Should i acknowledge the claim form in the meantime whilst i caan get some advice. Any help greatly appreciated. Thank you Lisa

Can anyone help my silmilar situation..... mobile phone with three 2009, sold to lowell, lowell took my to northampton county court, i acknowledges and then didnt submit my defence. to be honest i got a bit lost in it all. I now have a ccj - judgment in there favour (as they hoped i didnt defend) Anyway i rung the court they said i could fill a N244 form if i think ccj has been entered against me incorrectly. I want to do this, i know ill have to explain why i didnt defend, im hoping they will realise that legal jargon is a minefield to people like myself and that i thought i had more time. But im unsure as to what to write in terms of why i feel i dont owe lowell anything. i have never seen proof that i do. I vaughly remember having three contract in 2009 and terminating it early as i think i had a dispute with a bill. PLease i would be very grateful for any help as the letter says they have writ of Fi fa which i think is bailifts. thanks to anyone who can help.

I recieved a claim form from northampton county court on 26 april 2013 I went online and acknowledged as i only had a certain amount of time and didnt want to ignore it. Now im stuck what to do. Its from 2009 i vaugley remeber having a mobile contract but sure i was in dispte with three over the bill and not able to get uch of a signal but cant really remeber to be honest. now i have this and am not sure what to do. This is what it says: By agreement in writing three mobile (the assigner) agreed to provide telephone services to the defendant in respect of telephone number ************ commencing on 31/03/2009. handset tariff 20 texter. as payments were not maintained as required the assignor issued a notice of default on 31/03/2009 and the contract was subsequently terminated. the last payment received from the defendant was 0212/2009 by agreement in writing dated 1506/2012 the assignor assigned the debt to the claimant. And the claiment claims 1. the sum of 331.34 2. interest pursuant to S69 of county court act 1984 namely 22.73. Can any one offer any advise. I would be very grateful Thank you

Hi When you say 'stay' do you mean sort of lie dormant in a way unless someone acts upon it? It seems unfair that sigma start this ball rolling and then when it comes to the point that they should reply they do nothing. I would have thought that at this point if no reponse from them than it would be cancelled or whatever the legal alternative would be (sorry not too up on all this ) The fact that they have not replyed to the defence does this mean that i do or dont pay the money? I just feel a bit in no mans land! I feel im just always waiting on what if they reply with something...Do they not have a time limit? would the court not wonder why they left if years to reply (presuming i hear nothing for a year or so) ???? It may be just me but i thought it would be a case of i submit a defence and they (sigma) at least have to submit a reply to draw the case to close one way or another. help?? im even more confused now thanks everyone for all your help

Hi Everyone - I logged on and viewed my status which showed the following - Claim Status A claim was issued against you on 11/09/2012 Your acknowledgment of service was submitted on 14/09/2012 at 20:51:33 Your acknowledgment of service was received on 17/09/2012 Your defence was submitted on 12/10/2012 at 10:55:49 Your defence was received on 12/10/2012 Thank you citizenB for your reply, would you recommend i ask for it to be dismissed, would i have to pay? Is it likley that this will just stay on file and stigma will think its not worth the hassle? Once dismissed by the court can stigma persue again or is that an end to it? Its all very worrying Whats the best thing to do at this stage? Thanks Again, any advice greatly appreciated Lisa

Hi well I submitted my defence the beginning of october. Got a confirmation through the post and haven't heard anything else. I haven't logged on to see if there have been any developments on the online court website as I presumed they would contact me. Does anyone know when or how they should reply? Thanks Lisa

Hello, Well in the process of submitting my defence, and am a bit stuck as im at the stage where it asks if i would like to make a counter claim for £35. I really not sure, i presumed i would see what they came back with and then decide if a was going to go back to them with anything else? but i cant submit my defence without answering. Does anyone know what to do? Thanks Lisa:???:

Hi Andy Thats great, worded lots better than my attempt. i feel better about submitting that version. This site has been a saviour and i apprecate everyones help. Thanks again, ill keep you posted. Lisa:-D

Thank you - my threads are not always showing again, ive highlighted this with admin, it took me a while to find my replies. Im going to submit this defence today, well will be this evening. Does anyone know what i should expect after submitting are they ikley to come back with something that will complety baffle me lol or could they just think its too much troube for them? in any case is this likley to be a long drawn out process? I dont want this to over my life but often these things bring tht much stress and worry they tend to do that. I suppose thats why most people just pay it. thanks again. Any further advice or help before i submit greatly appreciated. thanks everyone youve all been great.

If I type the above defence, would this make sense or is there something else I should add or maybe take out? Thanks Lisa

Hi, no I only sent the one to sigma by recorded delivery requesting details but nothing to the original creditor (I presume you mean HSBC) I actually didn't think to do that. Will that be a problem. Thanks Lisa

Hi everyone I have made a start on my defence, i have done some reading over past posts and picked out some information. Is the below anything like a defence. Am i going in the right direction. Please could someone have a scan through and let me know if its proffessional enough. Ive done it online so need to get it off in the next few days or so. Any help very much appreciated. thanks everyone Dear x x x x Defence: x x x x x x 1. Paragraph 1 is neither admitted nor denied with regards to the Defendantentering in to an Agreement referred to in the Particulars of Claim ('theAgreement') the Claimant has yet to disclose any Agreement. Furthermore anyclaim for partial monies is averred Contrary to s35 of the County Court Act1984 s35 Division of causes of action. 2. Paragraph 2 is noted with regards to termination of the alleged contractualAgreement, the Defendant has no knowledge; therefore the Claimant is placed tostrict proof thereof. 3. Paragraph 1 is denied with regards to the Defendant owing any monies to theClaimant and the Claimant is put to strict proof to: (a) show how the Defendant has entered into an agreement with the Claimant; and (b) show how the Defendant has reached the amount claimed for; and © show how the Claimant has the legal right, either under statute or equityto issue a claim; 4. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant provethe allegation that the money is owed. 5. On the alternative, if the Claimant is an assignee of a debt, it is deniedthat the Claimant has the right to lay a claim due to contraventions of Section136 of the Law of Property Act and Section 82A of the Consumer Credit Act 1974. 6. By reason of the facts and matters set out above, it is denied that theClaimant is entitled to the relief claimed or any relief. 7. Due to the fact you had no knowledge ofthe claim or what it was for, a CPR31.14 request for more information was senton xxxxxx. The Claimant has failed to respond. 8. Failing to adhere to Practice Directionin respect in pre-action protocol.

Do I log in online again and type up my defence and send it to th court? Would I be able to post on here first for checking by anyone willing to help. To make sure I'm getting it right. Thanks lisa

Thanks for your reply. Does anyone know what I should put in the defence and what it should contain. Are there any templates. I know there is some good information on past postings so I plan to have a read over those. It's all a bit daunting. Has anyone actually gone all the way and win sigma? Thanks again for everyone's help. Lisa