on what grounds do I try set aside and how much is the fee we can't afford much ?

no I didn't think I needed to as was waiting for court date that never arrived I'm clueless with all this procedure now I'm doomed

UPDATE not sure what happened they went ahead to court and now got to pay £50 a month which we cannot afford as we ticked to defend all had my defence ready and everything got letter this morning stating that I didn't reply to claim form and now have to pay £50 a month starting September and still not got documents off Lowell please help

I do understand what I'm replying too and why and jays defence seems to cover it paragraph by paragraph as to what they are trying to claim without any kind of proof of the debt only figures they could of easily made up hence why I need the original copies of the agreement with the original amount owed and any signatures agreeing to this I'm I right? I'm not that good at this sort of thing

jays seem pretty much how I see my defence though which I know he copied with my details from a claim back in December 2013, I never like copying but his seems like a great defence for this

Done that now what? CPR has been sent a while ago and posted on here the Solicitors response also sent cca to portfolio too same time

this is where I'm confused as you guys said to exit on pg3

do I just save it at page 3 on the online form and then exit and don't carry on to pg 5 as that's confirmation? jay I'm on the moneyclaim.gov website gone on to to acknowledge of service then pg 2 of this is personal details and page 3 intention- the options defend all or part and jurisdician pg 4 summary and pg confirmation of acknowledge of service

you have lost me now

do I confirm I read acknowledgement tick that and iam defendant? it's on next page there is 5 pages also do I sign at the bottom??

which one do I do AOS, or response forms?

I must of missed that one dx when the my original post got moved

hi jay no I haven't yet acknowledged service yet but will do now thanks guys

that's looking pretty unlikely then right?

which in this case probably not it's Lowell lol how long do they have to get the document's?

what happens if (Lowell solicitors) they can't get the documents from original creditor?

going to court itself

Not done the court thing yet though as my wife doesn't want to defend all she's scared

what do you mean I'm unsure what's happening now?

that's what I thought don't even know anything about that what are they upto?

yeah done that too martin now I have update from Lowell a letter in fact that sounds a bit nasty to me, the letter starts off by saying they have noted the contents of the letter and they have requested a copy of the agreement and statements and once they have received them they will forward them on to my wife however this is for information only. the next paragraph says as follows, "Our client is not required to provide you with The Deed of Assignment as it is a confidential agreement between out client and the original creditor and contains personal information which you have no reason to be privy to and will not provide to you. No other contract or a "Deed of Novation" exists which our client is under no obligation yo provide you with. Your account was assigned to our client from Vanquis and a Notice of Assignment was sent to you confirming the same." My wife doesn't recall receiving a Notice of Assignment.. I missed out the letter came this morning with a date back to June 30th 2016

I'm in the process of sending a CPR to Lowell Solicitors at the moment

thanks for the reply andyorch I am only giving the information I know of and as for value you say £1,597.56 +court costs I have two amounts on here with court costs the other is on the first post £1,725.36 +court costs of £105.00 and representative costs of £80 giving total of £1,910.36 that's why I said not sure didn't know which one to put

Name of the Claimant ?Lowell Portfolio Date of issue – 09 June 2016 What is the claim for – the reason they have issued the claim? (1)The Defendant entered into a consumer credit Act 1974 regulated agreement with Vanquis under account reference (Blank)for security reasons I left that out ('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 30/09/2014 and notice was given to the Defendant. (4)Despite repeated requests for payment, the sum of £1,597.56 remains due and outstanding. And the Claimant claims (a)The said sum of £1,597.56 (b) interest pursuant to s69 County Courts Act 1984 at the rate of 8% per annum from the date of assignment to the date of issue,accruing at a daily rate of £0.350, but limited to one year,being £127.80 (costs) then signed by Lowell Solicitors Limited. What is the value of the claim? not sure Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Credit Card When did you enter into the original agreement before or after 2007? after 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? not sure Did you receive a Default Notice from the original creditor? can't remember Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? yes Why did you cease payments? came out of work What was the date of your last payment? not sure Was there a dispute with the original creditor that remains unresolved? not sure Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? no not sure why some of this didn't come up red as I set it to red is MCOL www.moneyclaim.gov.uk is this what you mean and just put defend all? I forgot to put my wife was unemployed at the time and ticked unemployed, HouseWife and still got the credit card

I will try to do that after is it worth sending a CPR to Lowell?