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  1. Love lidl, shop there all the time. I find the Lidl bakery products amazing. The cheesy twists and cheese toped rolls are lovely and baked on site too. and the best thing of all you save oodles of money.
  2. silly question but do the bailiffs on the show have to be certificated (almost ,said certified LOL) as I cannot find one on the register ????
  3. yup might just do that, I am just breathing a sigh of relief now, and looking at my completely squeaky clean credit file . but this is the paragraph from the letter they sent me with the letter. In any event we have now considered the position in the light of the matters you have raised. Upon reviewe it would appear that at least part of the material debt may have well been statued barred at the time the claim was issued. Given that fact our client has made the commercial decision to discontinue the claim against you. yup Lowells have said that along with saying I had called vodafone to set up a payment plan. ????????? (hold on while I change my undies from laughing so much.) Seems in defeat they just do not like telling the truth.
  4. quick update, followed advise to the letter, and kept my cool LOL. and today have had a discontinuance letter from Lowells solicitors. So game over for them. They still tried to say it was only partially stat barred ????? The only thing I need to ask is yesterday I received by e mail the mediation form. Do I now ignore this or make contact with them and tell them it has been discontinued. Many thanks for your help, I cannot stop smiling.
  5. cool will do and will send it off tuesday due to spring break. so copy to courts signed etc and copy to LOWELLS unsigned
  6. as stated yesterday post #13, n180 had been sent, but CPR31.14 was sent off before this was issued
  7. cheers, should I submit the N180 or await the 28 days as it states on the form has to be there for 25th April.
  8. that would have been 20/3/17 when received, think it the bullet hard and responded with ultra mega defenses up, probably not the best course of action as am very hot headed
  9. POC as follows: 1) The Defendant entered into an agreement with Vodafone under account reference *********('the Agreement'). 2) The Defendant failed to maintain the required payments and the service was terminated. 3) The Agreement was later assigned to the Claimant on 30/08/2012 and notice given to the Defendant. 4) Despite repeated requests for payment, the sum of £343.73 remains due and outstanding. And the claimant claims a) The said sum of £343.73 b) Interest pursuant to s69 County Courts Act 1984 at the rate of 8% per annum from the date of issue, accruing at a daily rate of £0.075, but limited to one year, being £27.50 c) Costs apoloies for not being very good at this, more at the time being so livid, as I followed the same methods previous with my last claim form which was discontinued back in 2009 I believe
  10. as Requested the claim form defense submitted, personal details removed Defence and Counterclaim Claim number ******* Claimant Lowell Portfolio I Ltd Defendant toofiegap How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form. Do you dispute this claim because you have already paid it? No, for other reasons. Defence Disputed with original owner back in March 2010 when wanting to cancel service and refused, behind my back renewed contract despite telling I would not be renewing, therefore refused to use due to mistreatment. No letters from claimant or agency received. Have not been known as 'previous name' since Jan 2012, default date on form incorrect. No notice of action. Disputed in full, as Lowells were more than aware that this was in dispute with original creditor. Signed I am the Defendant - I believe that the facts stated in this form are true toofiegap
  11. will sent the text later as it was done on hubby computer as mine is misbehaving badly. I know how bad these companies can be from reading up on them, and also correct me if I am wrong but I did hear from october this year the way court claims issued is changing ( which is probably why there are so many claims being issued at the moment. I havre found this. Bit late for me LOL as I am taking dx's advise but it may help others. link removed - dx
  12. claim form issued on 16th march (not recieved until 23rd march) claimant lowells porfolio ltd I know i am being stupid what is POC as for the defence when I acknowledged the claim I ticked defend in full ands gave the reasons. sorry for being so silly I am defending this due to claimant submitting no information other than claim form and being stat barred
  13. claim form issued on 16th march What is the value of the claim? 456.23 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? mobile phone When did you enter into the original agreement before or after 2007? 2010 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. lowells 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? the contract was missold I was refused a payg because I wanted to keep my old number as needed as solicitors were in contact about the sale of my old house and had no landline, vodafone rep told me either contract or do without. What was the date of your last payment? october 2010 Was there a dispute with the original creditor that remains unresolved? yes but was met with toal ignoring. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? no as was not the case. I put in the initial defence of not reciept of paperwork, stat barred and incorrect dates.
  14. they did send a n180 not replied as yet as wanted the documentation, (only received yesterday) is it me (or am I barking up the wrong tree) are they trying to pull the wool over my eyes so according to him, (mr whiney oops riley) they can ask the courts to issue a ccj without any proof or correct information, whilst they have already admitted they do not have these documents as are awaiting contact back from fraudafone . Should I complete my n180 including they refuse to comply with the cpr31.14 request. Also he recons that they have written to me continually about this when all I have received was this claim form .
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