Hi,

Just received a County court claim form issued by Lowell's

wanting 8K over for a defaulted loan 5 years old now.

I requested a CCA and

Lowells sent back some paperwork which also show some PPI that I had with the loan,

I then back in February I sent off a SAR to Lloyds because I had other loans in the past as well and wanted to check them out,

LLoyds replied wanting me to go to a branch to show some ID and a Bill to prove who I am due to a house move

but that where I fell over a little,

I had to wait for my passport to arrive as this was my only I.D.

This has now arrived and LLoyds have been issued with my I.D

I just have to wait for my SAR to arrive form Lloyds but

now Lowells are now breathing down my neck with this County court claim!!

Please help!

How much of it is PPI?

Hi Bankfodder,

£1634.00 was the PPI Amount

Forgot to mention the original amount Lowell wanted was £6900.00

Thank you. Whose assessment is that? Does it take into account all associated charges and interest?

Are you aware of this post and associated links? - http://www.consumeractiongroup.co.uk/forum/announcement.php?f=191&a=277

You need to calculate your PPI claim very carefully. Lots of people are not taking into account all the associated indirect costs of their PPI cover. The more you can raise the figure then the more useful it will be.

Also, what is the breakdown in the claim of loan/OD.

Against which account was the PPI

can you please fill this out:

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-April-2014**(1-Viewing)-nbsp

you say this is for a loan & a current account OD that have been merged?

who has merged them?

dx

The £1634.00 PPI Amount was on my Lloyds agreement so I have not calculate any costs on top yet.

I could not use the link it said Your user account may not have sufficient privileges to access this page.

The loan amount Lowells originally wanted was £6900, now they have put interest on and want £7990.57 also court fees £410 and solicitors fees £100 total is £8500.57

The PPI was on a Lloyds credit card consolidation loan.

Hi dx100uk

This is currently for the loan only, I have not received anything from the courts chasing my OD yet. My OD had a limit of £900 and after my account went into meltdown charges from Lloyds added now stands at £2300.

do I paste the answers to the link here?

yes paste in here please

dx

Lowell Portfolio 1 Ltd

Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to.

Date of issue 17/6/2014 + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total)

What is the claim for – the reason they have issued the claim?

The Claimants claim for the sum of 8K for monies due under the consumer credit act 1974 between the defendant and LLoyds TSB Plc.

The defendant failed to maintain the contractual payment under the terms of the agreement and

a default notice has been served and not compiled with.

the claim also includes statutory intrest pursuant to section 69 of the county courts act 1984 at a rate of 8.00%

per annum (a daily rate of 1.53 from the date of assignment of the agreement to the date of issue () being an amount of £1025.00

What is the value of the claim? £8.500

Has the claimant included section 69 interest (8%)within the total claim or is it shown separate within the Particulars but not added to the debt? YES

Is the claim for a current or credit/loan account or mobile phone account? Loan

When did you enter into the original agreement before or after 2007? 2003

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. Debt purchaser

Were you aware the account had been assigned – did you receive a Notice of Assignment? Not sure but likley

Did you receive a Default Notice from the original creditor? No moved house

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? don't think so

Why did you cease payments:- Struggled with payments

Was there a dispute with the original creditor that remains unresolved? Yes bank charges on bank account and still to be sorted PPI on Loans

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan?

Yes with LLoyds but could not carry on with agreed payments

ok lets just run through a few things...

have you ack'd the claim yet?

sent CCA and CPR requests to BW [sINCE the claimform has arrived

Hi DX100uk,

It came on the 20th June and I have done nothing with it until tonight.

I have CCA Lowell and received screen captures of payments,

loan agreement,

PPI agreement showing the loan amount and Premium loan protection amount.

Also sent a SAR to Lloyds and at the same time informed Lowell that I have done this.

Lowell replied saying account on hold for 60 days and keep them updated.

can you scan up the agreement please?

**you can post up images/letters by this method immediately..you don't need 10 posts**

.

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc

but leave all monetary figures and dates.

.

************************* ************************* *******

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

************************* ************************* ***********

.

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

http://www.convert-jpg-to-pdf.net/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or http://www.freepdfconvert.com/

or

use www.pdfmerge.com

convert existing PC files to PDF [office has an installable print to PDF option]

..

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

or use Primo PDF.

.

try and logically name your file so people know what it is.

though DONT USE BANK NAMES or CAG in the title

i'e Default notice DD-mm-yyyy

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

...

YOU DONT have to put a link to the attachment in the msg box..just upload it ..job done

you can click on your links to check them too!

.

don't worry TOO much about your timeline

but you MUST ack the claim after creating an MCOL registration by the end of day 19

 

Lowell replied saying account on hold for 60 days and keep them updated.

Stick to the time scale for submitting defence as court action is NOT ON HOLD

Should I contact lowells and let them know I have not revived my SARS from lloyds?

New Attachment

Thanks DX,

What do you think I need to do next?

regardless of what lowells have already sent PRIOR to the claimform date

send lowells a CCA request

and a CPR 31:14

requesting copies of the documents referenced in their PoC

do not sign the letters

have you now ack'd the claim on MCOL?

Thanks DX

I sent Lowells a CCA request and had agreements back shall I do the same again to BW?

and put the CPR 31:14 in the same envelope?

have you now ack'd the claim on MCOL? :

Not sure what this means?

it wont hurt to CCA and CPR

when was YOUR last payment please

it seems rather strange a loan from 2003 is still running.

read the claimform

it tells you how to ack the claim online

rgister on MCOL first

then log in with those details

and ack the claim using the details on the claimform. MCOL asks for

defend all

else you'll get a CCJ by default no matter what you do.

dx

BW are only chasing me for the loan only do I need to send the CPR? or are the both tied together?

I ran into problems with the loan and my bank account Nov 2007

contacted Lloyds then set up payments for both then stopped paying due to problems in 2009.

Lloyds closed the account on 22/1/2009

Thanks for the help! I will ack the claim online tomorrow.

Cheers

it will not hurt to send a CCA and a CPR for the debt on the claimform - the loan.

Hi,

Just Registered on MCOL and

started to go down the route of defend all

now to the point i need to enter in defense particulars!

do i carry on?

don't know what to put if so?

HELP!!

Do i also extend to 28 Days??

Sending off today CCA and CPR to BW

Mrpond

you don't do anything else bar ack the claim

defend all

dx

Quick update

Sent CCA and CPR to BW on the 24th June and nothing back Yet!

Letter back from Lloyds on 26th - LLoyds have acknowledged my new address details and are now gathering my SAR details but could take 40 days.

Update~~~ Spoke to BW they have received my CCA and CPR request and advised me it could take weeks!!