Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #1
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    Follow Real_CAG on Twitter
    Cagger since : Oct 2009

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    Default claim form lowell-cat debt

    Name of the Claimant Lowell Portfolio 1 Ltd

    Date of issue – 07/01/2019

    date to acknowledge
    25/01/2019


    date
    to submit defence – 08/02/2019

    Particulars of Claim

    1.The claim is for the sum of £310, due by the defendant under an agreement regulated by the consumer crediticon act 1974, for a SD account. An account with reference of ……

    2.The defendant failed to maintain contractual payments required by the agreement and a default notice was served under s.87(1)under the consumer credit act 1974. Which has not been complied with.

    3.The debt was legally assigned to the claimant on 27.01.2017, notice of which has been given to the defendant.

    4.The claim includes statutory interest under s.69 of the county courts act 1984 at the rate of 8% per annum from the date of assignment to the date of the issue of these proceedings
    the sum of £26 the claimant claims the sum of £340


    Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (pre action protocolicon) ?NO

    What is the total value of the claim? £420

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

    When did you enter into the original agreement before or after April 2007 ? After

    Is the debt showing on your credit reference files (Experian/Equifax /Etc...) yes to lowell

    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? No

    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? redundant

    What was the date of your last payment? cant remember will see if its on bank statemewnt

    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 dmpicon - Yes and no

    …..........

    received a claim formicon yesterday, have acknowledged service.

    just about to do letters to creditor and solicitors
    will keep you all updated as i go

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  2. #2

    Default Re: claim form lowell-cat debt

    please note you correct dates for AOS and defence filing

    pop up on the MCOL website detailed on the claimformicon.
    .
    register as an individual
    note the long gateway number given
    then log in
    .
    select respond to a claim and select the start 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 Requesticon running to the claimant
    leave the £1PO blank and uncrossed
    .
    get a CPR 31:14icon request running to the solicitors
    .
    type your name ONLY

    no need to sign anything
    .
    you DO NOT await the return of paperwork.
    you MUST file a defenceicon regardless by day 33 from the date on the claimform [1 in the count]

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
    it makes a thread twice as long to scroll through..save data download times and costs
    If you want advice please PM me a link to your thread. PM advice is not allowed!!
    DX
    RIP Martin3030

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  3. #3
    Basic Account Holder
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    You'll regret it if you don't.




    Follow Real_CAG on Twitter
    Cagger since : Oct 2009

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    750

    Default Re: claim form lowell-cat debt

    Many thanks for the changes DX
    have them in me diary ready to do
    letters for cpr and cca have been sent today too


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