Hi unclebulgaria67 I've copied the second page of the statutory demand Particulars of Debt These particulars must include: (a) When the debt was incurred (b) The consideration for the debt (or if there is no consideration the way in which it arose) © The amount due as at the date of this demand. The claim of the Creditor is for payment of £3065.00 being the balance of monies due Against a credit account made between the Debtor and LloydsTSB Group PLC in Respect of a Credit Card, under account number xxxxxxxx Such agreement being regulated under the consumer credit Act 1974 The rights and benefits of the said account were duly assigned from Lloyds TSB Group PLC to the Creditor by way of a Debt Sale Agreement dated 29/02/08 and Notice of assignment having been served upon the Debtor by the Creditor on 20/03/08 in accordance with the provisions of Section 136 of the Law Property Act 1925 The balance of the debt at the date of this demand remains outstanding and due for payment by the Debtor in the amount of £3065.00 despite previous written and verbal requests for payment being made by the Creditor to the Debtor. hope thats of help and as i have never had a credit card with LloydsTSB No repayments have ever been made to this debt And skyler11 will be answering any other posts on this thread

Hi I hope somebody can direct me on a situation that as come about through a non fault accident details are as follows :- bought a car got cheapest quote from Swinton and i had no problems with them for a good 6-7 months. I was visiting family and my car was parked out front when a lorry hit it Thankfully no-one was hurt except my car it looked like the only damage was front driver side colour coded bumper had been ripped down on side of impact causing it to snap away from fixing bracket and a crack in bumper. The driver of the lorry was helpful and supplied me with the name of the company he worked for and the telephone number helped me cable tie bumper back up. The police were not called as he admitted that he was at fault. When i drove car home ( about 8 miles) vehicle felt weird with steering i phoned the haulage firm and spoke to the owner who was again helpful and asked me to take car to body repair centre and get a quote to repair or replace bumper and to either fax or email the quote to him and he would pay to have it repaired. The following day I took it to a garage and explained to them what had happened and i also mentioned that the car felt really unsafe with steering. While I waited he had a look at the damage and underneath vehicle and informed me that the tie rod ends had snapped on both sides of the car ( front ) and also that the passenger side wheel had dent probably caused by impact to kerb. He told me to contact my insurance company about accident so that I'd be able to get courtesy car because he flt that car was really unsafe to drive. He also said he'd phone a accident assesment specailist ( i think it was that ) I left there had taxi home and phoned swinton to inform them of the accident, I give them the name and number of haulage firm and also the garage details of where i'd left car. after about an hour they phoned me back and told me that i,d have a call from a hire company about courtesy car. I had a call the following day and they wanted to know whereabouts of car and my requirements for courtesy car which i supplied and i was informed that they would get a car to me the following day... Stayed in all day waiting no car . phoned them and was then informed that no vehicles available for 3 days. What else could i do but agreed to wait but again no car arrived 2 weeks went by no courtesy car and also no follow up calls from swinton. Then my car was returned to me unsafe to drive and a recomendation that it would cost more to repair than what the car was worth So he was recommending it be writing off. The garage owner informed me that he.d phoned swinton to inform them and to say car had been returned to me ready for them to arrange pick up to be taken and scrapped. i told him i was not happy after being left with no car or calls from swinton. And he told me he'd sort out a courtesy car. An hour later i got call from a company who had been instructed by garage to supply me with courtesy car and following day a brand spanking new puegot 507 was signed over to me while i waited for payment from haulage firms insurance for my car. They where claiming hire costs from haulage firms insurance company and where also instructing them to pay me out top book for my car. my car was picked up by a recovery lorry to be taken to manchester and i waited for insurance to pay out just over 6 weeks later from day of accident i was sent payment from insurance courtesy car went back and i bought new car. phoned swinton and had heated disscussion on how unhelpfull they where and was told that the company they had arranged me to have courtesy car had not informed them as all costs were being charged to the other parties insurance and apologiged. I asked them to change the policy details to my new car which was now 1.8 rather than a 1.6 litre engine and they informed me that it would cost me a addional £456 to insure new car. OLD POLICY WAS £298 now THEY WANTED £754. I told them that i wasnt prepared to pay that as i had had a cheaper quote online for nearly half the amount they where asking and informed them i no longer needed a policy with their company. A week later had a letter asking me to pay a final payment of £108.61 to cancel policy I phoned them and told them i was not happy to pay this after the way they treated me after accident and told them it was a third parties fault so why should i be penalised. swansea swinton branch informed me that they would inform head office and get back to me. NOW 4 months later i get a letter from REGAL CREDIT asking for £108.61 before they take legal action Can anyone please advise me or help with a template letter. thanks

Hi I hope somebody can direct me on a situation that as come about through a non fault accident details are as follows :- bought a car got cheapest quote from Swinton and i had no problems with them for a good 6-7 months. I was visiting family and my car was parked out front when a lorry hit it Thankfully no-one was hurt except my car it looked like the only damage was front driver side colour coded bumper had been ripped down on side of impact causing it to snap away from fixing bracket and a crack in bumper. The driver of the lorry was helpful and supplied me with the name of the company he worked for and the telephone number helped me cable tie bumper back up. The police were not called as he admitted that he was at fault. When i drove car home ( about 8 miles) vehicle felt weird with steering anyway i phoned the haulage firm and spoke to the owner who was again helpful and asked me to take car to body repair centre and get a quote to repair or replace bumper and to either fax or email the quote to him and he would pay to have it repaired. The following day I took it to a garage and explained to them what had happened and i also mentioned that the car felt really unsafe with steering. While I waited he had a look at the damage and underneath vehicle and informed me that the tie rod ends had snapped on both sides of the car ( front ) and also that the passenger side wheel had dent probably caused by impact to kerb. He told me to contact my insurance company about accident so that I'd be able to get courtesy car because he flt that car was really unsafe to drive. He also said he'd phone a accident assesment specailist ( i think it was that ) I left there had taxi home and phoned swinton to inform them of the accident, I give them the name and number of haulage firm and also the garage details of where i'd left car. after about an hour they phoned me back and told me that i,d have a call from a hire company about courtesy car. I had a call the following day and they wanted to know whereabouts of car and my requirements for courtesy car which i supplied and i was informed that they would get a car to me the following day... Stayed in all day waiting no car . phoned them and was then informed that no vehicles available for 3 days.What else could i do but agreed to wait but again no car arrived 2 weeks went by no courtesy car and also no follow up calls from swinton. Then my car was returned to me unsafe to drive and a recomendation that it would cost more to repair than what the car was worth So he was recommending it be writing off.The garage owner informed me that he.d phoned swinton to inform them and to say car had been returned to me ready for them to arrange pick up to be taken and scrapped. i told him i was not happy after being left with no car or calls from swinton. And he told me he'd sort out a courtesy car. An hour later i got call from a company who had been instructed by garage to supply me with courtesy car and following day a brand spanking new puegot 5007 was signed over to me while i waited for payment from haulage firms insurance for my car.They where claiming hire costs from haulage firms insurance company and where also instructing them to pay me out top book for my car. my car was picked up by a recovery lorry to be taken to manchester and i waited for insurance to pay out just over 6 weeks later from day of accident i was sent payment from insurance courtesy car went back and i bought new car. so phoned swinton and had heated disscussion on how unhelpfull they where and was told that the company they had arranged me to have courtesy car had not informed them as all costs were being charged to the other parties insurance and apologiged. I asked them to change the policy details to my new car which was now 1.8 rather than a 1.6 litre engine and they informed me that it would cost me a addional £456 to insure new car. OLD POLICY WAS £298 now THEY WANTED £754. I told them that i wasnt prepared to pay that as i had had a cheaper quote online for nearly half the amount they where asking and informed them i no longer needed a policy with there company. A week later had a letter asking me to pay a final payment of £108.61 to cancel policy I phoned them and told them i was not happy to pay this after the way they treated me after accident and told them it was a third parties fault so why should i be penalised. swansea swinton branch informed me that they would inform head office and get back to me. NOW 4 months later i get a letter from REGAL CREDIT asking for £108.61 before they take legal action Can anyone please advise me or help with a template letter. thanks

hya thank you for your response ,lloyds tsb lowell portfolio bought off them well they say they got asigned it 2008. a credit card debt dating back to 1990 .i would ve been 13 years of age. lowells asked for adjournment in my annulment hearing as they had no info or details about the debt , shouldnt this have been put in place in the county courts to make me bankrupt in the first place.? on return hearing weightmans soliciters acting on behalf of mazarz(insolvency practitioners) were in court and not lowells. london house from ynysforgan in swansea iwan morgan .n another lady ??where bailiffs. assigned from mazarz

If a debt is in despute i was under the impression that they would hold off any further action? my last acting soliciter had to stop representing me as ther was a barr on me applying for any appeals or annulments. we did not know of this untill we were at court as i never received any correspondance from the start of proceedings ?? mad isnt it!

i have lived at my home for 14 years morgatge is up to date no arrears and ime still paying this. i still have not received anything in writing from mazarz or anyone?? the last i heard about my extortionate charges for desputing the unproven debt was in exess of £42,000 its far more now. the bailiff since has taken my personal belongins (clothing ,,ect) damaged my daughters trampoline , made money from taking ali and all material with high scrap value. even building material duff,,chipins,,pvc, the list is never ending, the robbin B********s!

also lowells have sent me 2 account statements with said debt dated 1990 with Lloyds making me a 13 yr old credit card holder.....

Hi i'm looking for any information on what i can do and who i need to see about my hard to believe situation, it's a long story i'll keep it basic. I was handed statutory demand and bankruptcy petition on the same day and went straight to my solicitor who was going to apply to set aside and dispute the debt she informed me she had 18 days to do this, I stayed in regular contact with her but on xmas eve she informed me she needed more paperwork and by this time the 18 day limit had past and she also failed to appear in court which was held straight after the xmas holidays and i was made bankrupt with no legal representation. The disputed debt was with Lowells portfolio for £3,500 , The courts also appointed official receiver. Then i was appointed to Mazars llp and tried to work with them but they just wanted money, I was told i had a year cooling off period with no interest to be added to debt, My mother offered to pay off the £3,500 to get them off my back and leaving me to dispute the debt and claim it back, But they wanted £7,000 we asked for a full rundown on what the £7,000 was for and a couple of days later they wanted £25,000 from me. I went to another solicitors in my area who said that she would also be taking my first solicitor to court for misconduct. She applied to courts for annulment. At the hearing we explained to judge that i had never had credit card with Lloyds Tsb and the judge asked Lowells to produce the proof and lowells asked for adjournment to be able to find proof of the debt, It was adjourned for 2 months. When we returned to court they produced a really basic looking printout with No heading or any details on bank or company just a basic printout and also Lowells were replaced now with Weightmans llp. After that we had a few more court hearings but i was unable to put my defense in writing to the judge which as a 7 day limit, Because the clerk of the court had been sending letters meant for me to weightmans llp as he assumed that they were acting on my behalf and weightmans also failed to tell courts of the error, and also failed to forward all of the letters to me, But i did receive 2 letters forwarded from them but always the weekend before court hearing also leaving me not enough time to write my defense. I received an order for eviction and applied to have this set aside and case had been moved to my local court who said they didn't have enough information on the case and asked for it to be sent back to original court who didn't set it aside and again i applied to have set aside and again they sent it to my local court and the hearing was 2 days before baillifs were due, In court the judge refused to listen to my pleas because he told me on how the other judge from original court had instructed him to dismiss it. I was evicted from my property 2 days later by bailiffs and as i'm a single mother with a 9 yr old daughter i still can't believe the allowed this just weeks before christmas just gone and i had nowhere i could go my mother had my daughter and i slept in car my daughter is traumatized through this and is effecting her sleep , and been isolated from her friends. Please can anyone advice me on what i can do over what i believe to be totally unfair and i feel as if Lowells, Mazars and Weightmans have just bullied me. I want my house back asap PLEASE HELP !! Thank you