I've lurked here for many months and gained lots of useful advice. Many Thanks.

I've joined ready for what may be the next step....

I've taken up the cudgels for my partners who is being harassed by Lowells Pariahs for an old £400 Provident debt she was saddled with by her ex partner.

On my advice, she ignored months of Lowell Portfolio threatograms and discount offers to settle, then they wheeled out Lowells Solicitors, whom I imagine to be another minimum wage otherwise unemployable sat at an adjacent desk!

I suspect they are cranking up as it appears to become statute barred in September.

When they got serious.

I CCA'd them on 3 March.

They replied on the 11th, putting things on hold, refusing to supply commercially sensitive assignment details and seemingly awarding themselves time over the 12+2 to produce the other.

They wrote 29th March enclosing Statement of account which is a poor Excel anyone could have done. Stated they were still waiting original agreement.

Reading all useful advice, I now plan to do nothing. Is that correct?

Also what can we expect now and how to deal with it.

Have they failed the 12+2? Interested to hear.

Many thanks.

But you did not ask for a statement of account right? Did you ask for the CCA and they have not supplied anything?

was this a doorstep loan and did SHE sign the agreement?

and was this the ONLY one or were these rolled and this is the last of the chain??

[you should have ignored the threat-o-grams]

unless or until you got a claimform

they've not won any provi loan cases where they are defended to our knowledge.

Asked for Original agreement, statement of account and proof of assignment

After a long silence, this back from Lowlifes.

1. Copy of signed agreement. Looks genuine to me. NO TERMS and CONDITIONS!!

2. Statement of a/c which a child could have done on Excel.

3. Covering letter,

still threat o gram, as it says may, could etc.

Where do we go now.

My gut feeling is to ignore and wait,

but agreement was a surprise to me and put me off a bit.

Any advice please.

doesn't mean it enforceable

scan it up please

follow upload

ONE pdf please!

Sorry if this isn't correct, but actually pleased with myself as wrestled all weekend to upload this!!

CCa return.pdf

useless really let it run

was this her only provi loan or was there a chain?

Only loan. So just ignore and wait for their next move?

So its here. Claim form on the mat today. Read loads of these things on here but a bit not knowing what I do now? Cheers.

please complete this:

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-2016**(6-Viewing)-nbsp

Name of the Claimant ? Lowell Portfolio Ltd.

Date of issue – 04 Aug 2017

Date to acknowledge - 22nd Aug

Date to submit defence = 5th Sept

What is the claim for –

1. Defendant entered into a cca 1974 regulated agreement with Provident Personal Credit under the a/c ref no ******** (the agreement)

2. The defendant failed to maintain the required payments and a default notice was served and not complied with.

3. The agreement was later assigned to the claimant on 29/8/2014 and notice given to the defendant.

4. Despite repeated requests for payment, the sum of £465 remains due and outstanding.

5.And the claimant claims

a) The said sum of £465

b.) Interest pursuant to s69 county courts act 1984 at the rate of 8% pa from the date of assignment to the date of issue, accruing at a daily rate of £0.102, but limited to one year, being £37.20.

c.) Costs.

What is the value of the claim? £632.20

Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Doorstep loan

When did you enter into the original agreement before or after 2007? 2010 - but unsure if this was a rollover loan

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. Debt purchaser

Were you aware the account had been assigned – did you receive a Notice of Assignment? Don't recall

Did you receive a Default Notice from the original creditor? No.

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No.

Why did you cease payments? Agent stopped calling. Advised provident by phone. Stated new one would call. Never did. Then forgot about it.

What was the date of your last payment? 26/07/11

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 management plan? No.

What you need to do now.

Answer the questions above

If you have not already done so – send a CCA Request to the claimant for a copy of your agreement

(except for Overdraft/ Mobile/Telephone accounts) Done.

Copy of agreement with no T&Cs supplied

Send a CPR31.14 request to the solicitor named on the claim form for copies of documents mentioned/implied within the claim form.

There are two different versions - one for Loans/Credit cards the other for Current accounts

10th August 2017

Dear Sir,

Re: Lowell Portfolio Ltd v Miss Annette Barnes Case No:D

CPR 31.14 Request

[removed - what does it say on the top line in red - dx].

OK Lowlifes, lets do this!. Is this ok for my CPR request??

don't post our templates in the open forum please..

firstly note the corrected dates for AOS

and defence filing.

have you ack'd the debt on MCOL website [AOS}?

Not yet. Shall I do now or wait until nearer the deadline? Sorry for the faux pas.

now

pop up on the MCOL website detailed on the claimform.

.

register as an individual

note the long gateway 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.

Thanks DX. Done. Now send CPR?

yes

As per Andys instructions in the sticky, I have this morning attempted mediation. Claimant Lowlife Portfolio won't speak to me because it's with Lowlife solicitors, Lowlife solicitors won't mediate at all. Next to to draft a defence, do I include this and their intransigence in that defence?

mediation opportunity will be after you put in defence, not at this stage you are jumping the gun and showing lack of knowledge,

don't go blindly ringing anyone

least of all the fleecers or their dogs.

there are numerous like Lowell provi claimform threads here

Time to go read them

Thank you both. Read the link that you have posted, which I have many times, point 3, by Andy, and tell me where I've gone wrong.

I've actually followed the instructions this forum suggests!!!

point 3 is ok , but you are dealing with Lowells and you can see the consequence regarding these parasites, others generally want it sorted before but many do not

Note:- One bit advice does not fit all comes to mind, like letters requesting and defences layouts need amending to suit each case being different.

Think you are confusing pre allocation mediation with normal informal mediation expatnanna .

Once you both complete your direction questionnaires and opt for mediation..the court mediation service will contact you both to arrange an appropriate teleconference to discuss the claim....Lowell will refuse but you must agree.

Mediation wont happen anyway so forget about it and concentrate on the claim.

Andy

Thanks for that Andy. Your politeness is appreciated too.