Thanks Sham, just reading that gave me some kind of hope. I’ll get this stuff sent off tomorrow. Now 2:30am again so I’m going to try and chill and get some sleep!

No, Never dealt with anything like this so trying to come to terms with all the abbreviations and what not to keep up with the advice you give me.

If they havnt replied back to my CPR and CCA by when the defence is due can I include that as part of my defence? Could I not just pay you to do my respond letter of defence come when it’s due? It’s all so long winded to me and it’s just frying my brain and causing me to not sleep or even live easy atm

I’m sorry but that’s just referring me to other posts with people with similar cases but how is that going to help my defence? In my eyes I have no defence I simply ignored all contact up until now. You say not to go down the admission route and defend all but clearly I have nothing to defend myself with? Forgive me if you may think i come across as stupid but I certainly do feel stupid at this point in time.

I’m stuck on the CPR, is there a template anyone could give me of what I write? And well I pretty much don’t have a defence so all this is for nothing

Ok perfect thanks, will get that sent out tomorrow and then I guess I seek advice from you guys about what my defence will be?

Ok so the Claiment in my case is Lowell but who’s the Claiments solicitor? It doesn’t say on the papers who it is

So that’s all done, just about to send of the CCA once I can get to a printer, can I include CPR in the same letter as the CCA or does it have to be done sepretaly?

Ok, was just double checking. Starting that respond now, sorry for be so ignorant this is still all new to me and it’s slightly worrying

Right signed up, I have 2 choices on the website Begin new claim Respond a claim made against you - I take it I fill out this one right?

I’m really bad at all of this, what do I need to do online?

Hi again, I’m currently filling out the N9A (SDT) form of admission (specified amount ) I’m go to say I will only pay the original amount of £660.99, is there any advice you can give me to get the best outcome of this route I’m going down?

hope that's done correctly. Name of the Claimant? Lowells Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 1/06/18 Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total) - ^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE ON THE CLAIMFORM IS ONE IN THE COUNT [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days in total Particulars of Claim What is the claim for – the reason they have issued the claim? Littlewoods account. Not repaying the original £660 owed. Please type out their particulars of claim in full (verbatim) less any identifiable data and round the amounts up/down.[/color] 1) The defendant opened a Littlewoods regulated consumer credit account under reference ......... on 06/12/2016 (‘the agreement). 2)In breach of the agreement, the defendant failed to maintain the required payments and the agreement was terminated. 3)The agreement was later assigned to the claimant on 30/06/2017 and written notice given to the defendant 4) despite repeated request for payment, the sum of £660.99 remains due and outstanding. And the Claiment claims a) The said sum of £660.99 b) Interest pursuant to s69 county courts act 1984 at the rate of %8 per annum from the date of assignment to the date of issue, accusing at a daily rate of £0.145, but limited to one year, being £48.53 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? no What is the value of the claim? £839.52 Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Cat Debt When did you enter into the original agreement before or after April 2007? After 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. issued by the Debt purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? yes Did you receive a Default Notice from the original creditor? yes Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? yes Why did you cease payments? couldn't afford What was the date of your last payment? none Was there a dispute with the original creditor that remains unresolved? no Did you communicate any financial problems to the original creditor and make any attempt to enter into? no

How do I fill that form out I don’t have Microsoft word to put my own writing ( Anserws ) in. And you say it’s stuck with me for six years, stuck to my credit rating? If so I really couldn’t care less about my credit rating it’s that bad from mistakes at a younger age. Or do you mean they will keep the pressure up and there will other more serious consequences? Thanks Never mind I’ve actually used my eyes to work out now sorry, filling it out now

If I just ignore it is the a chance they will just strike it out as taking it to court is proberly costing them more then it’s worth? Thanks Andy I’ll fill that out once I get back home and onto the PC.