Defence filled & fingers crossed... In a worst scenario, do you think they would chase me up abroad for that amount of money? Or its jus simply not worth for them to start the process? Tia

Thanks dx,,, I started to panic already.....

I just realised one thing dx, I am such a douchbag... I missed to send this one back am I screwed already or not? doc11.pdf

I am trying to log in right now, with my claim number and defence pack password, but it says - wrong claim number or password??

Hi Andy, Yeah, its tomorrow, thanks a lot for having a look in to it, I will have to fill in tomorrow morning basically.

Hi Dx, I am very late with my defence as I am due to be moving to Canada and the end of this year, so trying to sort out visas ant all paperwork required for my family and myself, really didn't had much time for this, please could you have a look if that looks ok or not. Particulars of Claim 1) The Claim comprises the following agreements the defendant entered into: a. Shop Direct financial services with reference xxxxxxxxx and current balance of £762.05 b. Shop Direct financial services with reference xxxxxxxxxx and current balance £800.65 c. Capital one (Europe) plc with reference xxxxxxxxxxxxxxxxxxxxx and current balance of £324.45 The agreements were terminated as payments were not maintained and subsequently assigned to the claimant. And the claimant claims a) The total of the said sums being £1887.15 b) Interest pursuant to s.69 County courts Act 1984 at the rate of 8% per annum from the date of assignment to the date of issue but limited to one year being £143.59 c) Costs 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. 1. Paragraph 1 c. is noted and it is accepted insofar that I have had financial dealings with Capital One Bank (Europe) Plc in the past, but I do not recollect the details nor am I aware of any outstanding balance that the claimant refers to and have therefore sought clarity from the claimant by way of a CPR 31.14 Request on 28th January 2020. 2. Paragraphs 1 a & b are noted. I have had catalogue agreements in the past with various companies. However, I do not recognise the account numbers or outstanding balances referred to by the claimant. I have requested clarity by way of a CPR 31.14 request on xxxx January 2020. 3. I have not received Default Notices from any the above original creditors. 4. I am unaware of any legal assignments or Notice of Assignments allegedly served for any of the above creditors. 5. Having made requests for copies of each agreement referred to within its particulars by way of a section 78. request pursuant to CCA1974 the claimant has responded with various copies of reconstituted agreements and random terms and conditions which appear to be unconnected. Some are void of or contain different agreement numbers to which the claimant refers to within it particulars .Some are void of the required prescribed terms and lack proof or clarity to which were manual or online applications etc. with the necessary on line verification tick box confirmation of what IP address was used. Some request that the agreement be detached and signed and returned for execution. It is therefore denied that the claimant has fully complied with my requests and what has been disclosed is the actual executed copy of the agreements relied upon. It is my understanding that the claimant remains in default and prevented from enforcing the agreements that it refers to within its particulars of claim. 7. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of assignment/balance/breach requested by CPR 31. 14, for the above four agreements referred to, therefore the Claimant is put to strict proof to: (a) show how the Defendant has entered into the various agreements; and (b) show how the Defendant has reached the amounts claimed for; and (c) Show and evidence the nature of breach and service of each Default Notice for the above 4 agreements pursuant to sec87 (1) CCA1974 (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 8. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 9. On the alternative, if the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of The Consumer Credit Act 1974. 10. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.

Hi Dx, So lowell solicitors responded to my cpr request, but the only thing they returned to me are exactly same agreements as I received from lowell earlier this year. But they havent provided me other documents I requested on CPR.

Hi, Dx Sorry for late reply, I was out of country for a week. 1. Lowell Portfolio LTD 2.16.01.2020 3.1)The Claim comprises the following Agreements the Defendant entered into: a.Shop direct financial services with reference xxxxxxxx and current balance of 762.05 b. Shop direct financial services with reference xxxxxxx and current balance 800.65 c. Capital one (europe) plc with reference number xxxxxxxxxxxxxxx and current balance 324.45 The agreements were terminated as payments were not maintained and subsequently assigned to the claimant. And claimant claims: a)The total of said sums being 1887.15 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, but limited to one year being 143.59 c)costs What is the total value of the claim?2030.74 + court fee and legal representatives cost Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ?Yes Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred?I was in and out of country but lived same address all the time. Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account?CC and catalogue When did you enter into the original agreement before or after April 2007 ?After Do you recall how you entered into the agreement...On line /In branch/By post ?Online, never physically signed anything. Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ?Most likely 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.Account has been assigned to the Debt purchaser. Were you aware the account had been assigned – did you receive a Notice of Assignment?Cant remember that. Did you receive a Default Notice from the original creditor?Cant remember that too. Have you been receiving statutory notices headed “Notice of Sums in Arrears” or " Notice of Arrears "– at least once a year ? Not sure Why did you cease payments?Had problems back home, still having them, so have to live between 2 countries,was sending money back home, then missed payments and couldnt get on track after that. What was the date of your last payment?Cant remember about 2 years ago. Was there a dispute with the original creditor that remains unresolved?No, all of them sold it to debt purchaser. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan?No ************** I will send CCA and CPR requests tomorrow, or latest monday morning, should I use first class recorded delivery or should I use normal delivery ? Thanks in advance! Also AoS has been done, so I am going through forum here looking for some good information to fill my defence

Hi Dx, I received paperwork from court, which gives me 33 days to submit my defence, right?

Thanks DX, I will have a look there, appreciate your time

Please see attachment pdf3, thats for cap1. Thanks

Shop direct ones, they were taken one form very other one form littlewoods , so what should I respond to them? As they gave me 14 days to respond to all 3 cca's. Thanks

Hi, if you have problems of the view, I will try to make better quality pics. Thanks! pdf1.pdf pdf2.pdf pdf3.pdf

Will upload when I ll sit next to laptop

Good evening lads, So lowell solicitors came back to me with and provided all credit agreements also all transactions had been made etc. But none of credit agreements has my signature in it.They gave me 14 days to replay to it, what should I do next? Cheers!