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leedspete

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Everything posted by leedspete

  1. Thanks for making me feel worse than i already do. It also says that i have to fill the rest in or do i just tick the first box and then sign it. I do really appreciate the help. Even though it has been hard for to decipher your answers
  2. Reading up on the claim form threads will help me fill out the mediation questionnaire that I have been sent. I think I am getting really confused.
  3. So reading this will help with my mediation questionnaire that I have been sent
  4. Have now received my mediation questionnaire. Lowell’s think it’s ok for the small claims court. Advice on how to fill in the questionnaire would be greatly appreciated
  5. So I don’t reply to this letter at all. Thanks for the information
  6. Just received a letter from Lowell’s offering mediation and wonder where to go from here. It seems like they have filled out most of the tick boxes already. Thanks in advance
  7. That the start date on the default notice doesnt match the claim form. For when i started the account. Thats all i could think off. Bit of a muddle to be honest as i was behind time
  8. Have submitted my defence but i think i have fouled it up as i failed to mention about the sar letter. So i dont know what happens next
  9. Ehhh I have been asleep in bed as I do overnights. What do I need to do
  10. Tried calling them and they put me through to littlewoods and littlewoods didn’t have a clue what I was talking about. Thing is I have lost receipt for the proof of posting or it has got mislaid so shall I send another SAR letter
  11. Is there a telephone number that I can contact shop direct on as their main switchboard put me through to littlewoods customer line. Need to find out what happened to my sar
  12. Here is the cca as requested don't know if i have redacted the correct stuff again but i have just notice that its says my signature was 2010 but on the court claims form its say my account was from 2007 cca (1).pdf
  13. Have also received a letter stating that I owe about £900 back to tax credits as overpayments from 2014 and 2015. I did the online SAR request and got a huge amount of paper detailing my account going back to 2014. I have also received a cd with my calls to them but I clearly remember that every time my renewal date came through that I got my pay details from my p60 and then filled it all in online. We also called about the overpayments and disputed them at the time so I am really disturbed to get this letter I also told them about my change of circumstances when I started my job back in 2014 as they have documented it. I did send the enclosed letter or online form disputing the overpayments . Just wondering what to do next as this year has not been a good one for me
  14. didnt get SAR from shop direct so will send another. May have to ask for another CCA as well
  15. Just started with mcol nd its asking for my claiming details unless i am looking at wrong page
  16. date of claim - 19-06-2019 Name of the Claimant ? Lowell portfolio I Ltd What is the claim for – the reason they have issued the claim? 1 Defendant opened a liitlewoods regulated consumer credit credit account undr ref xxxxxxx on 25/06/2007 2 In breach of the agreement, the defendant failed to maintain the required payments and the agreement was terminated 3 The agreement was later assigned to the claimant on 23/04/2018 and written notice given to the defendant 4 Despite repeated requests for payment the sum of £823.53 remains due and outstanding. 5.And the claimants claims, A the said sum of £823.53 B Interest pursuant to s69 courts cost act 1984 at the rate of 8% per annum from the date of issue accruing at a daily rate of £0.180 but limited to one year being £65.88 What is the total value of the claim? £1019.41 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? yes in this thread Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Catologue When did you enter into the original agreement before or after April 2007 ? After Do you recall how you entered into the agreement...On line /In branch/By post ? On line Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? Yes 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? Did you receive a Default Notice from the original creditor? Yes Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Why did you cease payments? Couldnt afford them and forgot as well What was the date of your last payment? Cant remember
  17. This letter was delivered to me on Thursday from lowells. Hope i have edited the details from the letter
  18. Got letter to say that I am being taken to court over this debt. Will upload letter later tonight
  19. Thanks dx So is there anything on the cca that is irregular and that I can challenge Sorry to be a bother but is there something I am forgetting to do. Sent sar request but no response yet from shop direct. Do I need to resend or not? Just worried as this will soon be in court apparently thanks pete
  20. cca here now if the quality isnt good then i can upload better tomorrow CCA return1.PDF
  21. I dont have a copy of the pap form unfortunately. Ok so i will send a new cca request to lowell. Have sent sar request to shop direct as well.
  22. This arrived this morning and i need guidance on what to do next Thanks output (3).pdf I am confused was i suppose to send cca request to lowells or creditors.
  23. Ok I really appreciate the help given. Can i send sar in letter back to lowells or do it separately?
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