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forest5

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About forest5

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  1. Thank you very much for your help, much appreciated. It was A1 we were concerned about saying yes to so thank you for the explanation. Didn't want it to be seen as an admittance of the debt.
  2. One further thing, Lloyds do not show on my partners credit report yet Lowell do but only since Sep 2013. Are they allowed to do this? It's like they are starting the default of payments from when thye have decided rather than the original lloyds debt.
  3. Thank you for the reply. Yes years ago when attempting to sort this to stop the letters my partner sent off requests along with cheques from me (so they couldn't copy her signature) which I can never remembering them cashing. Everything stopped for what must have been 6-9 months and then started up again. With regards what info to fill in one the questionnaire do you have any recommendations for the correct response? I wouldnt of thought agreeing to mediation (section A1) was a good idea as it suggests she owes the money? Secondly, (C1) asks "Do you agree that the small cl
  4. Thanks for the replies. Sorry I will give as much info as I can, I don't have all the info on me until I get home as it is my partners paperwork. The debt is from a Lloyds Loan taken out 2001-2003 which she took out in her name with a previous partner, it stands at around £1.6k. She has received letters from Lowell and a magnitude of other DCA's over the years offering deals. I appreciate she/we should have dealt with this much earlier but the letters have been coming for years and never gone anywhere so time seemed the best solution in terms of the statute barred ru
  5. Yes tried google for the answer among other things, I was hoping somebody on here would have filled a questionnaire out in a similar situation where the court defense has already been filed as statute barred
  6. Thanks for the reply. What we really need to know is how to fill out the questionnaire you receive with a notice of allocation to small claims track paperwork. A defense has already been filed as statute barred but it has moved along. On the questionnaire it is asking if small claims is the right track etc. What we need to know is having already filed a statute barred defense how do we complete the small claims questionnaire? Thank you in advance.
  7. Hi, I posted on here a few years ago when my partner was having trouble with Lowell, for years she has received threatening letters and finally a court letter arrived and she filed her defence as per the statute barred template defence from previous threads. They have come back saying as above, notice of allocation to small claims track so seem persistent. She is 99.9% sure she has not paid anything for 7-8 years on this originally Lloyds account but because they are pushing it is worried she has it wrong. She tried to call Lloyds a few weeks ago to ask when
  8. Only thing is it had already been passed to the DCA before a SAR letter was sent to Lloyds. Can i request with the DCA that the account be put on hold as i am disputing excessive charges with Lloyds. Is there a letter more suited to that situation or should i just amend the one given above?
  9. Thanks very much for the advice, do you know if there is a template letter to send to the DCA to tell them the account is now in dispute?
  10. Hi All, Have also posted this in Lloyds forum. My Partner has a bank account & loan with the above named. The loan stands at around £1600 but she recently received a letter from APEX saying they would except £1000 to clear the loan. My feelings are that they are offering it at a discounted rate due to all the interest & charges they have added on along the line although i'm no expert! As for the current a/c, my partner stopped using it the account as they kept cancelling her DD's & then charging her for it being bounced putting her further into her overdraft etc. She
  11. Hi All, My Partner has a bank account & loan with the above named. The loan stands at around £1600 but she recently received a letter from APEX saying they would except £1000 to clear the loan. My feelings are that they are offering it at a discounted rate due to all the interest & charges they have added on along the line although i'm no expert! As for the current a/c, my partner stopped using it the account as they kept cancelling her DD's & then charging her for it being bounced putting her further into her overdraft etc. She has now received a letter
  12. Thanks for the advice sam, much appreicated.
  13. Hi Guys, We thought we'd heard the last of Lowells having sent Silverfox's "prove it letter" but they seem to have given it 6 months & then started sending threatening letters again, two in one week! Would i be right in thinking the next step would be now to send a CCA letter followed by a SAR request letter. Any advice or help would be greatly appreciated. Thanks
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