Hi

i have a debt with lowell,

a couple of months ago i asked regarding a full and final payment

,i had a response and was a massively reduced portion of the date,

then my marriage broke down,

needless to say its been a difficult time.

I have moved house etc,but regardless a letter arrived at my old house from Bryan Carter solicitors and a letter from the northampton court house.

The debt totals near on 900, 830 and their fees..when last year lowell reduced the debt to 450 at request and offered 250 on full and final payment.

Is it just me or is this tactic a bit underhanded. .even from lowells agreed 450 that is a steep increase,

just curious as how to proceed,

obviously id rather not a ccj!

What is the debt you have with Lowlifes?

Not a mobile phone debt by any chance?

You'll ONLY get a CCJ if you allow this little oik to get one by default.

When did you receive the court claim?

What are the POC's?

Have you disputed this with the OC at all?

ANd exactly WHAT is the debt?

so you've received a court claim form from northants bulk?

dx

What is the debt you have with Lowlifes?

Not a mobile phone debt by any chance?

 

You'll ONLY get a CCJ if you allow this little oik to get one by default.

 

When did you receive the court claim?

What are the POC's?

 

Have you disputed this with the OC at all?

 

ANd exactly WHAT is the debt?

The debt is an old catalogue. Friday I received all the court letters.

The debt wasn't disputed as in I don't owe it. I owe it but a lot was shaved from the debt by request to Lowell's and confirmed by them

Poc?

Dx yep there's three letters in the court letters

list the court letters you have - do you mean a claimform?

dx

Ive got a admission form n9a

Defence and counterclaim n9b

And an acknowledgement of service form

Also just a seperate letter from Carter themselves notifying me of the situation

ok a claimform

can you fill this out please

and post the results here

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-December-2014**

dx

Claimant: Lowell portfolio

date of issue 12th of may

POC:

this claim is for ^^^.^^, the amount due under an agreement between the original creditor

and the defendant to provide finance and / or services and / or goods

this debt was assigned to /purchased by lowell portfolio i ltd

on 20/07/10 and notice served pursuant to the law of property act 1925

re shop direct a/c -xxxxxxxx

and the claimant claims xxx.xx

the claimant also claims statuatory interest pursuant to s.69 of the county act 1984 at a rate of 8% per annum

from the date of assignment of the agreement to date but limited to a maximum of one year and a maximum of 1000 amounting to 62.01

value-

im assuming total amount? 970.01

the original agreement was before 2007, I think roughly around 2005/2006 mark

claim was assisnged by Lowell,

was aware debt had been assigned to Lowell.

unsure of last payment,last year far as I remember as haven't been financially able to pay them

hence why made a resolution to half the balance,then flip to this year trying to get a final settlement

to wipe the date,which they were contacted in april of 2015

no disputes apart from trying to get a decent amount to pay back. they do not exactly respond quickly either

can I ask a question should I contact Lowell to resolve this or let it be?,

no you don't

can you type up the POC verbatim in full exactly as it appears on the claimform

minus pers details

THIS CLAIM IS FOR ^^^.^^, THE AMOUNT DUE UNDER AN AGREEMENT BETWEEN THE ORIGINAL CREDITOR AND THE DEFENDANT TO PROVIDE FINANCE AND / OR SERVICES AND / OR GOODS

THIS DEBT WAS ASSIGNED TO /PURCHASED BY

LOWELL PORTFOLIO I LTD

ON 20/07/10 AND NOTICE SERVED PURSUANT TO THE LAW OF PROPERTY ACT 1925

PARTICULARS

RE SHOP DIRECT

A/C -xxxxxxxx

AND THE CLAIMANT CLAIMS xxx.xx

THE CLAIMANT ALSO CLAIMS STATUATORY INTEREST PURSUANT TO S.69 OF THE COUNTY ACT 1984 AT A RATE OF 8% PER ANNUM

FROM THE DATE OF ASSIGNMENT OF THE AGREEMENT TO DATE BUT LIMITED TO A MAXIMUM OF ONE YEAR AND A MAXIMUM OF 1000 AMOUNTING TO 62.01

ok pop up onto the MCOL website mentioned on the claimform

register as an individual user

note the long number

then using those details

log in to MCOL.

select respond to a claim

then acknowledge the claim

defend all

leave juris unticked

exit mcol.

now get a CCA request off to lowells

£1PO leave it blank, do not sign anything

get a CPR 31:14 off to carters.

[top green library tab legal section]

dx

now go read a few threads

http://www.google.co.uk/cse?cx=partner-pub-0964707606882478:652l7hswbgv&ie=UTF-8&q=Lowell/Carter+claimform+-+Cat+'debt'+&sa=Search+CAG#gsc.tab=0&gsc.q=Lowell%2FCarter%20claimform%20-%20Cat%20'debt'&gsc.page=1

and get up to speed on court claims and carter

dx

Thanks for your help i will get this done now,

so what happened?

as you are back on CAG again now..