Hi fkofilee, So much useful information to take on from the guide,thanks very much. i will put all the loans in a Excel sheet as soon as possible. I have e decided to complain to FOS, i will keep you updated. Thanking you.

Hi fkofilee, Thank you for the swift response! My summary of loans : Mr Lender - 12/02/2014 till 24/04/2014 PayDay Express- 14/03/2014 till 28/03/2014 Mr Lender - 02/06/2014 till 26/06/2014 PayDay Epress - 02/06/2014 till 27/06/2014 PayDay Express - 18/11/2014 till 28/11/2014 PayDay Express - 15/12/2014 till 24/12/2014 Mr Lender - 10/11/2014 till 27/01/2015 PayDay Express - 30/03/2015 till 26/05/2015 PayDay Express - 26/05/2015 till 27/07/2015 PayDay Express - 31/07/2015 till 25/09/2015 WageDay- 09/09/2015 till 30/10/2015 Mr Lender - 10/06/2015 till 27/11/2015 PayDay express - 14/10/2015 till 24/12/2015 Mr Lender - 07/12/2015 till 26/02/16 PayDay express - 28/01/16 till 27/04/16 Mr Lender - 25/03/2016 till 27/06/2016 Mr Lender - 06/08/2016 till 09/08/2016 PayDay Express - 06/08/2016 till 09/08/2016 ElevateCreditinternational( Sunny) - 07/08/2016 till 09/08/2016 --- 5 ElevateCreditinternational(Sunny)-30/04/2016-09/08/2016 ElevateCreditinternational(sunny)-27/03/2016-09/08/2016 ElevateCreditinternational(Sunny)-16/08/2016-11/11/2016 ElevateCreditinternational(SUnny)-13/08/2016-11/11/2016 Mr Lender - 17/08/2016 - 15/11/2016 Payday Express - 12/08/2016 Satsuma Loan - 18/08/2016 WageDay Advance - 21/08/2016 Could you help me in formulating a reply to the CEO or should i just complain to FOS. Regards, Charan

Hi, I am after a little advice , i have sent out a irresponsible lending complaint to three pay day loan companies,i have got reply for one complaint.Please can some one Advice me best course of action from now on? Making a Donation of £10 aswell Formal Complaint Regarding Irresponsible Lending.pdf Mr Lender Reply.pdf

Hi Andy, I would like add this in the defence for point 3 3.The Defendant failed to maintain the contractual payment under the terms of the agreement and a default notice has been served and not complied with. a)The Claimant has mentioned the credit Agreement, the default Notice and the assignment in its Statement of Case and yet it has provided none of these documents despite my entitlement to inspect these documents. Please let me know it is okay. Regards, Charan

HI ALL, THIS IS MY FINISHED DEFENCE PLEASE LET ME KNOW IF ANYTHING NEEDED ADDING INIT.. Particulars of the claim is : 1.The claimants( Lowell Portfolio ) is for the sum of £446.09 being monies due from the Defendant to the claimant under a Home Shopping agreement regulated by the consumer credit Act 1974 between the defendant and Shop Direct Finance company limited under account reference XXXXXXX 2.And assigned to the claimant on 22/12/2010 notice of which has been given to the Defendant. 3.The Defendant failed to maintain the contractual payment under the terms of the agreement and a default notice has been served and not complied with. The claiim also includes statutatory interest pursuant to section69 of the county courts Act 1984 at a rate 8.00% per annum ( a daily rate of £0.10 from the date of assignment of the agreement to 22/12/2011 being an amount of £36.60 Proposed Defence 1. The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2) I have no recollection of the account details or the amount referred to in this claim. Until such time the claimant can disclose the necessary documents that this claim relies upon the claimants claim is denied. 3) I am not aware of any Assignment of any alleged debt nor do I have any recollection of any Notice of Assignment pursuant to the law of property act 1925. 4) On receipt of the claim I requested copies of any documents or information that would support the claim. The request was made on 15th SEPTEMBER 2015 (sent by recorded delivery) by CPR 31.14. The Claimant has failed to provide any evidence of assignment/balance/breach.. 5) As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 6) Therefore the Claimant is put to strict proof to: (a) show how the Defendant has entered into an agreement or contract; and (b) show what finance and / or services and/ or goods they refer to; (b) show how the Defendant has reached the amount claimed for; and © show how the Claimant has the legal right, either under statute or equity to issue a claim; 7) As per Civil Procedure rule 16.5(4) it is expected that the claimant prove the allegation that the money is owed. 8) By reason of the facts and matters above it is denied that the claimant is entitled to the relief claimed or any relief at all. THANK YOU.

Hi, The date of issue of the claim is 08/09/2105 and i have acknowledge the service on 14/09/2015.I was in a assumption that i have time until the 09/10/2015 to file my defence.

Hi , I am new to the forum , i need help regarding filing a defence against Lowell portfolio 1 LTD and BW legal is acting as a legal representative for Lowell.I received a Claim form on 08/09/2015 and have acknowledge service on 14/09/2015 through the moneyclaim.gov.uk portal. Particulars of the claim is : The claimants( Lowell Portfolio ) is for the sum of £446.09 being monies due from the Defendant to the claimant under a Home Shopping agreement regulated by the consumer Credit Act 1974 between the defendant and Shop Direct Finance company limited under account reference XXXXXXX and assigned to the claimant on 22/12/2010 notice of which has been given to the Defendant.The Defendant failed to maintain the contractual payment under the terms of the agreement and a default notice has been served and not complied with. The claiim also includes statutatory interest pursuant to section69 of the county courts Act 1984 at a rate 8.00% per annum ( a daily rate of £0.10 from the date of assignment of the agreement to 22/12/2011 being an amount of £36.60 As i dont remember taking any goods under home shopping agreement from Very i have served a CPR31.14 request to the BW legal and Lowell through Recorded delivery of which they have acknowledge recieving the request on 15/09/2015 and have cleverly wrote me on 16/09/2015 saying "We Will seek to ensure that the information you have requested is provided as soon as possible,however this is contingent on receiving the documentation from your original creditor". The CPR31.14 request content i have wrote to both parties Lowell and BW legal is pasted below: Template removed I NEED TO FILE MY DEFENCE SOON AS POSSIBLE TO THE COUNTY COURT BUSINESS CENTRE( NORTHAMPTON) PLEASE CAN SOME ONE KINDLY HELP ME WITH THE CONTENT TO FILE A DEFENCE .