Thanks for the advice and help Sorted now My only advice with anyone is get in touch with you first rather than last! Would have saved myself a lot. Only got 8 years of payment now lol

Last question do I go to the claimant Portfolio 1 the solicitor and will they stop the Bailiffs action?

Thanks any that was the information or answer I needed I have had really bad advice as you have seen from the beginning I am trying to rectify that course I guessing the best course is to pay the £50 per month as I at the moment can afford that without to much pressure on my finances. I will phone Lowell and come to an agreement, It's just above it said do not get in touch with them at all directly . I was a little confused as it said no you don't ever ring a DCA nor their dogs.

Do you mean the Warrant? Trying to up load but can't get it to. Sending the letter from you template right away. If it relates to the actual claim to the court in 2016 what more do you need? Sorry to be so thick I have answered all the questions to the best of my ability The actual CCJ says I must pay the claimant 4456.23 by installments of £50 per month by the 26th May 2016

I have now received a Notice of Warrant of Control Wanting 179.25 payment with a balance of 4356.23 before 25th August

In order for us to help you we require the following information:- Name of the Claimant ? Lowell Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 22 march 2016 What is the claim for – Capital one credit card debt which I think was about 3800 What is the value of the claim? 4456 .23 Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card When did you enter into the original agreement before or after 2007? With Capital the agreement of paying off the loan after. Had the card before 2007 Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Assigned Were you aware the account had been assigned – did you receive a Notice of Assignment? Don't know as had letters from several debt agencies before lovell Did you receive a Default Notice from the original creditor? Can not remember as it is so long ago Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? been returning all correspondence return to sender Why did you cease payments? Never have made any payments to lovell at all With Capital one I was unemployed and as I was self employed could not keep up the payments as I was in receipt of no money at all at the time. They refused to give me any time to sort it out. What was the date of your last payment? Got no record of it sorry. Was there a dispute with the original creditor that remains unresolved? See above never resolved Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? At the time I had a plan I could not keep up What you need to do now.

I am trying to fill in the form you asked me to but struggling as I'm dyslexic and find it confusing but will get there. Are you saying I should get in touch with Lowell then? I'm on PIP atm so never going to afford the debts. I take it you guys are in the legal profession advising as I have obviously had lousy advice until now.

Lowell sent me the letter regarding further action. To me they bought the debt I didn't enter any contract with them.

For me I am being chased by Lovells They have a CCJ against me 29 April 2016 for a debt originally from Capital One where I had a debt arrangement but was in dispute with. The debt has been passed from debt collector to DCA until finally arriving with Lovells. I have not had any correspondence with them Blocked their nuisance calls Returning all their letters RTS Taking the attitude I have no contract with them neither have I entered into one with them. I know received a letter dated 27/7/2017 saying they are Notice of intention to enforce with a warrant of Control What action should I take as clearly my advice up to now is they cannot having sent this letter bellow [FMOTL TEMPLATE REMOVED - DX]