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zaggacom

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About zaggacom

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  1. Had a letter from Lowells sols today saying they are Discontinuing the Claim. They enclose a copy of their Notice of Discontinuance. This brings their Legal Proceedings to an end. Just like to say thank you to DX100Uk and Andyorch again for their help on this case.
  2. Thought so, so are they just trying to get me to pay a nominal amount each month by sending a Tomlin Order, because they will not be willing to pursue this finally through to court, I mean they have probably purchased the debt for 10 or 20p in the pound, so is it worth it for them to pay a barrister etc to take it to court?
  3. The agreement is from November 2008, will it still show on my credit file? i thought the credit files only went back 5 years. I dont remember a default notice but they say they sent one, i do not have a copy, but that doesent mean i didnt get one back in 4/7/2009 as that is when their records say it was sent. The same with the Notice of assignment they have sent me a copy saying it was sent 15/12/2016.
  4. Not sure what you mean, DX100K "give us something before we have to throw the towel in" , and what information do you need from the credit reference file Andy? I dont know what i am looking for.
  5. Hello, I have now received a Tomlin Order draft from Lowells, and they have also sent a blurred one page copy of a Credit Agreement that does have my signature on, curiously it has an agreement number on it but not the credit card number, it is difficult nigh impossible to read it. They have also sent a standard default notice copy with no details on, and a copy of a letter for the Notice of Assignment. They say I have 14 days to respond. Just dont know what to do, can anyone give me some advice. I dont know if I do nothing that they may continue to take this to court
  6. It says all witness statements and documents that are to be relied upon for the hearing should be sent to the court 14 days before the case hearing, and also sent to the other party. So that needs to be done by 30th July, if they have paid the fee to proceed to the hearing, by the 16th July.
  7. The standard credit card defence which I got off here. Defence 1. The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted and it is accepted insofar that I have once held a contractual relationship with(Insert original creditor). I do not recollect the details nor am I aware of any outstanding balance that the claimant refers to and have therefore
  8. Name of the Claimant ? Lowell Portfolio 17/10/18 Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total) - Particulars of Claim The Defendant entered into an agreement for a Bank of Scotland (Credit card) under ref XXXX XXXX XXXX XXXX. The defendant failed to maintain the required payments and the service was terminated. The agreement was later assigned to the Claimant on 24/11/2016 by BoS PLC and notice given to the defendant. Despite repeated requests for payment, the
  9. I received a County Court summons 17 October 18, for a debt from BoS credit card the particulars of claim are as follows 1.The Defendant entered into an agreement for a Bank of Scotland (Credit card) under ref XXXX XXXX XXXX XXXX. 2.The defendant failed to maintain the required payments and the service was terminated. 3. The agreement was later assigned to the Claimant on 24/11/2016 by BoS PLC and notice given to the defendant. 4.Despite repeated requests for payment, the sum of £3400 remains due and outstanding And the c
  10. Ok i have read the summary judgement info, is this something that happens a lot, because i have not come across this before, should i be worried. Doesent look like there is anything i can do, i have submitted my defence, what else can i do?
  11. what is summary judgment, can they they just get a judgment against me without a hearing
  12. I have received a letter dated 22nd Jauary from Restons, with a copy of CCA agreement or a copy , and a template default notice, no signatures just standard copies, they say this is sufficient to prove my knowledge of the account. They say i need to withdraw my Defence by completing Form N9A within 14 days. This is my last opportunity before " an application is made to lift the stay on these proceedings, to strike out the Defence and to enter Judgment against you for the full amount plus legal costs" Can they do this, this is the first i have heard from them since August 21018, sur
  13. I have received a letter from Restons the solicitors, they say they written to me on 3 july, regarding my defence, but it went to my old address, somehow MCOL still had my old address on their system, so they sent it there, I changed it as soon as i became aware of the old address being on the MCOL site. Obviously i never received the letter so they have sent me a copy, after checking my correct address again, this new letter is dated 24th August. B asically it says they reject my template defence and say they have sent all relevant docs to me in response to my s75/77 request etc etc,
  14. Hello, I put my defence in on the 3rd June which the MCOL site says it was received, but I havent heard anything since, do I just keep waiting or is there a time limit? Regards J
  15. Oh yes meant to put that in, but if they come back I can add it in like you say.
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