Name of the Claimant ? LOWELL PORTFOLIO LTD

Date of issue –. 13/12/2016

Date to acknowledge) = - 31/12/2016

Date to file defence = by 4pm fri 13/1/2017

What is the claim for –

1. - THE CLAIMANTS CLAIM IS FOR THE SUM OF £432 BEING MONIES DUE FROM THE DEFENDANCT TO THE CLAIMANT UNDER A STORE CARDS, CREDIT CARDS AGREEMENT REGULATED BY THE CONSUMER CREDIT ACT 1974 BETWEEN THE DEFENDANT AND VANQUIS BANK PLC UNDER ACCOUNT REFERENCE ********* AND ASSIGNED TO THE CLAIMANT ON 26/01/2016 NOTICE OF WHICH HAS BEEN GIVEN TO THE DEFENDANT.

2.THE DEFENDANT FAILED TO MAINTAIN THE CONTRATUAL PAYMENT UNDER THE TERMS OF THE AGREEMENT AND A DEFAULT NOTICE HAS BEEN SERVED AND NOT COMPLIED WITH.

3.THE CLAIM ALSO INCLUDES STATUTORY INTEREST PURUANT TO SECTION 69 OF THE COUNTY COURTS ACT 1984 AT A RATE OF 8.00% PER ANNUM (A DAILY RATE OF £0.09P FROM THE DATE OF ASSIGNMENT OF THE AGREEMENT TO 10/12/2016 BEING AN AMOUNT OF £28.80

What is the value of the claim? - £546

Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? - CREDIT CARD

When did you enter into the original agreement before or after 2007? - AFTER 2007 BUT CANNOT RECALL EXACT DATE

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. - PRA

Were you aware the account had been assigned – did you receive a Notice of Assignment? - NOT SURE

Did you receive a Default Notice from the original creditor? - NOT SURE

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? - NOT SURE

Why did you cease payments? - A COUPLE OF YEARS AGO

What was the date of your last payment? - DO NOT KNOW EXACT

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 a debt managementicon plan? - YES WAS IN A PLAN THAT LASTED A YEAR BUT WAS THEN TOLD I WASNT PAYING ENOUGH BUT COULDNT AFFORD MORE

..............

Hi Guys,

Today I received a claim form from the county court. The claimant is Lowell and its for an old credit card with Vanquis bank

Please help on what to do.

p.s i believe that Vanquis bank was not being a responsible lender at the time of application

I have just read another post asking for information so here is my responses in capitals...

then copy this first msg to your thread - and put your answer after each question

In order for us to help you we require the following information:-

Why did you cease payments? - A COUPLE OF YEARS AGO

If you could re answer the above stubbsy.Give us a little background on why the agreement failed....then we can advise if you have grounds to defend this claim.

Andy

PS Welcome to CAG

pop up on the MCOL website detailed on the claimform.

register as an individual

note the long number given

then log in

select respond to a claim and select the AOS box.

then using the details required from the claimform

defend all

leave jurisdiction unticked.

click thru to the end

confirm and exit MCOL.

get a CCA Request running to the claimant

get a CPR request running to the solicitors

don't sign anything

leave the £1PO blank and uncrossed

dx

Why did you cease payments? - A COUPLE OF YEARS AGO

 

If you could re answer the above stubbsy.Give us a little background on why the agreement failed....then we can advise if you have grounds to defend this claim.

 

Andy

 

PS Welcome to CAG

Hi Andy

Thank you. I was in a token payment plan with a few creditors as I got myself in a bad situation.

After about 14 months they decided they wanted more money which at the time I couldn't afford as my partner was on maternity leave etc

so hows this going?

get everything in post 3 done?

dx