I'm not sure what else I should have in there as no ca no default off the original creditor and my online statements only show that amount nothing else as the come up unavailable with a total Nothing changed from my payments to them Also I have a insurance do stating the date the item was bought if that's any good Can anyone point me to anything I might be missing to fill this out as I have worked off the defence I sent Or if I have missed anything Tia

It is the 26th sorry for confusion in earlier post page 4 I said the 21 that's a Sunday a different appointment I was way ahead of myself

Yes the 26th I've still not had mine from lowells

ive been drafting my ws, thought and recommendations is this enough, should i enclose my bank statements with this aswell? 1. I make this statement in support of my defence to the claim above and include relevant evidence and exhibits. 2. This claim is for a running credit agreement regulated under the consumer credit act 1974. 3. I recall making a purchases on interest free terms Buy now Pay in 12 Months 19/03/15. 4. I am unaware of nor do I recall been chased by the original creditors nor ever been issued with a default notice pursuant to the CCA 1974. 5. On the 12/10/16, in response to particulars of claim served upon me, I enquired for more clarity by way of a CCA Request from the claimant and CPR 31.14 request on the claimants solicitor for informations including ;. I) True copy of the agreement, II) The assignment, III) The default notice. 6) I only recently received a response of a Letter Of Introduction . Along with a very vague statement of account and an assignment letter which were not served with the particulars of claim at the onset. 7. The claimant and its solicitors have not been able to satisfactorily comply to my CCA and CPR request in pursuant to s 78 of the Consumer Credit Act 1974. The claimant have not been able to prove any breach of defaulted payments. 8. The claimant have not been able to clarify by way of an itemised list of how the alleged outstanding balance was derived and the legality of the charges and payments have been applied to the said balance. I believe that the facts stated in this witness statement are true. Xxxxxxxxxxx signature Xxxxxxxxxxxx Date

Really !! Hmmm I could think of a few names I have bank statements as proof

21 of may Also no payments I paid have been taken off the debt by very when I looked on the account although the stamens come up unavailable just the amount has never changed I'll take a look at the ws Thanks

Looks like it I'm trying to dig anything I can up Hmm buy now pay in 12 months actually sold at 9 months Where do I go them not sending me the cca as requested Or the debt should not of been sold Tia

No not had anything off them this letter says notice of allocation No n180 was sent back as in page 4 mediation was requested Then a letter saying it was being sent on small claims track

Morning I received a notice of allocation today I've not had anything from mediation So directions are Documents to be sent to either party and court Witness statements I have a insurance doc that states the purchase was on 19 March 15 I bought this in a buy now pay 12 months Debt was sold in jan 16 to lowers I have never received a cca Where do I begin tia

My account was set to online contact not paper and I can't see anything online

Hi First I've heard back no telephone calls or letters letter today Saying small claims team has arranged for your case to be transferred if you have mediation arranged follow instructions if you have not been advised of a a point mentioned the team have been unable to arrange mediation at this time The claim has been transferred to the cc listed below for allocation On receipt the file will be reffered to a procedural judge who will allocate tell claim to track and give case management directions Please await the judges directions This is the first I've heard back since the n180 Just to add items were bought Feb March 15 on a buy now pay 12 months later debt was sold in jan 16 Also no credit agreement has been given just their letter saying they were writing to get a copy of the agreement

Thankyou

do i need to send a copy to lowells

looks like it

Yes thought it was strange with the dates so called the court and they said they processed it as lowells sent proof they had replied in the time period

Nothing has been sent to me apparantly they sent proof they had replied to the court to lift the stay

Heard nothing from the court or lowells since the 14 nov saying they have receipt of my defence now i have a Notice of proposed allocation dated the 27th to be be completed for the 16th march do i agree to small claims mediation do i agree to small claims track would i like to settle without going to court TIA

nasty lesson though their hold made me lose concentration on my dates as i was waiting on further paper work bit of a trick and i fell for it

Just what the court official said after lowells sent me a letter saying it was on hold, so everything looks back on track, Just like what old cogger said they mislead me, so now just waiting for court directions if they follow through

after being bounced around by the courts, its not held here etc i get someone in the courts help desk that ive emailed it to which they have said nothing has been done by lowells yet so get it in via this route still cant get on mc online and getting error messages will know more tomorrow defence is filed so awaiting further instructions from court lowells dead line is no longer relevant i was told

I did fingers crossed now

brill sending off now Thankyou all see what they say on monday when they open fingers crossed

just to clarify they gave me apoor copy not on letterhead a notice of ass then later saying they were reqesting my cca from original creditor nothing else so rather than 3 .Paragraph 3 I am unaware of any legal assignment or Notice of Assignment allegedly served nor have I ever been contacted with repeated requests for payment. The claimant only recently acquired the debt. maybe para 3 is noted. the claimant is put to proof regarding assignment has been served. The claimant only recently acquired the debt.

just saw this Re: Lowells/? claimform - old Shop Direct CAt 'debt' Quote Originally Posted by dx100uk View Post they don't know you got stuff in the post today dx it wasnt rec'd today, rather the 24th of...? personally, wldnt lie to the court.

Brilliant Thanks DX