Jump to content

cheddar

Registered Users

Change your profile picture
  • Content Count

    1,669
  • Joined

  • Last visited

  • Days Won

    3

Everything posted by cheddar

  1. Thought as much, thank you ever so much for your help. I'll let the bf read over everything to make sure he's happy, then we'll file it. I shall keep updating as and when required. Thank you!
  2. Thanks Andy, looks like I'd made a mess of it lol! Lowlifes Solicitors have sent a letter, received today: "27th January We can confirm that your request for documents has been forwarded to our client and we will forward the documents to you upon receipt. This is unlikely to be within the 7 day deadline in your letter. Please note that legal proceedings have now been issued against you and you should respond to the claim form." So, do we still file the defence or wait longer? They haven't asked for an extension just that it's not going to be in the 7 days which was u
  3. Tried again 1. The Defendant does not recognise the debt from the details given in paragraph 1 of the particulars of claim 2. The Defendant does not recall receipt the default notice from the details given in paragraph 2 of the particulars of claim. 3. The Claimant states in paragraph 3 of the particulars of claim that the account was assigned from Vodafone to Lowell Portfolio I on 31/03/2014. The Defendant has not received any notification of this assignment. 4. The Defendant has never received the repeated requests for payment mentioned in paragraph 4 of the particula
  4. Ok, I'll wait until someone can comment on my defence. Or is no one commenting on it because it's totally wrong? I'll get a fresh pair of eyes to look at this if needed. Thanks guys
  5. I see many with the same wording, just not like mine. Or I thought so anyway. Guess the info I'm reading just isn't going into my head for some reason. Can anyone comment on the defence? Is it any good?
  6. Ok, I've got this as a defence so far, I've looked at SO many claims but barely any of them have a PoC worded like mine Particulars of Claim 1) THE DEFENDANT ENTERED INTO AN AGREEMENT WITH vodafone UNDER ACCOUNT REFERENCE **** ('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 31/03/2014 AND NOTICE GIVEN TO THE DEFENDANT. 4) DESPITE REPEATED REQUESTS FOR PAYMENT, THE SUM OF £213.40 REMAINS DUE AND OUTSTANDING. AND THE CLAIMANT CLAIMS a)
  7. Thanks DX, I'll have a look through it all tomorrow, damn fibro. Night all
  8. Thanks Andy, I'll have to look at it tomorrow, looked at it several times today and getting nowhere, really bad brain fog going on! Hopefully tomorrow I'll have a clearer head on me.
  9. Well they have 2 days so this is what I have so far: Particulars of Claim... 1) THE DEFENDANT ENTERED INTO AN AGREEMENT WITH vodafone UNDER ACCOUNT REFERENCE **** ('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 31/03/2014 AND NOTICE GIVEN TO THE DEFENDANT. 4) DESPITE REPEATED REQUESTS FOR PAYMENT, THE SUM OF £213.40 REMAINS DUE AND OUTSTANDING. AND THE CLAIMANT CLAIMS a) THE SAID SUM OF £213.40 b) INTEREST -£17.07- c) COSTS Wh
  10. Thanks for that link Andy and yes it's Lowlifes Solicitors Ltd
  11. Is there a template for that or do I just put it in my own words? I'm only asking as I know they won't send me anything.
  12. So Lowlifes got the CPR request on the 19th January. Am I right in thinking that they have to get a reply to me by the 26th? What is the next stage if they don't?
  13. Thanks SF, so the next step I see is as follows: Acknowledge claim on MCOL and tick box to defend entire claim. -Done Send CPR 31.14 request in the library. -Will send recorded tomorrow Wait for a reply.
  14. I thought as much, thank you ever so much. Will make a donation soon
  15. You doubt he'd lose or doubt he'd avoid the CCJ? I promise I'll do a ton of reading up before asking more stuff!!
  16. Thank you Andy. Thing is with this one the bf just wants to pay it, which is fine with me, I can just pay the lot. But obviously we didn't know any of this was coming from Lowell, he has had a couple of letters since moving in here over 3 years ago but that's it. Would that change anything? I know they'll just pull letters out their behind if questioned (seen it before). If I remember rightly the CPR asks the solicitor for all documents yes? If so what is needed to actually enforce this debt? Thank you
  17. Posting on behalf of the boyfriend, this is a mobile phone account, I know they work differently but can't remember why/how. Sorry it's been nearly 10 years since I was on here lol Name of the Claimant: LOWELL PORTFOLIO I LTD Date of issue – 11th JANUARY 2016 Date to file def12th FEBRUARY What is the claim for: 1) THE DEFENDANT ENTERED INTO AN AGREEMENT WITH VODAFONE UNDER ACCOUNT REFERENCE **** ('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
  18. Ah yes I was looking at that, will go down that route tomorrow when I'm less tired, thanks for the advice dx!
  19. Brill, can't see your sig but got it from your profile. Will crack on with it when I finally have some money and carry on filing the letters
  20. Ah now that would be a nice xmas present haha, if it wasn't there what would happen in that case? Would they have to stop or do I just happily continue ignoring the threat-o-grams? *Researches how best to get credit files*
  21. Haven't looked at it for yonks, are you thinking it may not even be on there?
  22. Aye tis true and lets be honest they'll just do what they want regardless lol. They said "All collections activity would cease" the DCA at the time also said due to that letter they would drop it and they have, so it seems they're not interested but as you say doesn't mean they won't keep passing it on. The letter I have today is from RC who are JDW's in house team asking me to ring to discuss my payment difficulties...collections activity no less, something they said they wouldn't do. These companies are no worse than DCAs most the time. Time to just keep filing the nonsense and take ac
  23. I couldn't care less about the credit file tbh, least of my worries right now. I appreciate the fact that they can pass it on but when they have categorically told me they will cease all collections activity but then go on to do so surely means they are in the wrong? I take it just in a moral sense? RC have written to me today basically saying they have tried to ring me to discuss my letter and basically won't discuss it in writing despite me telling them never to ring me. They can pass it on to every DCA in the world as far as I'm concerned, as long as they don't all start ringing me as
  24. Hiya, only sent off the letters to Lewis and JDW yesterday (been super busy) so am waiting to see what they have to say. Either way I couldn't care less, they've agreed they can't enforce so that's good enough for me but I would like any future phone calls to stop. They have only rang the once.....for now. Soon as I have an update I'll pop it on here.
×
×
  • Create New...