Lowell's managed to a bankruptcy order by claiming they successfully delivered a stat demand to a previous address. How can to fight this if you don't know they served one. by the way, it looks as though it was for a statuate barred debt so if I am successful in having the bankruptcy annulled (cancelled) i will be looking to sue the arse of Lowell's. If anyone wants to help me, I would appreicate any info to show the courts what B******d's they are !!

Hi - don't mean to alarm you but Lowell's managed to get a bankruptcy order against me by simply providing a statement to the local court saying they successfully delivered to statutory demand to my previous address which I did not respond to. I cannot find any record on my credit file that I owe them money or the original creditor who the court say was NATWEST (haven't banked with them for years and years) I believe this must be a statuate barred. I am trying to find out how I sue them I have applied for an annulment and hope the court see the light after I hand him all the complaints I have found.

does anyone know if the unfair relationship part of the Enterprise Act applies to CCA's. My partner has a vehicle on finance and the company will not allow us to set up a direct debit on our chosen date. They allowed us to change it just once but told us it had to be within 14 days of the original date. We want to pay when he gets his pay at the end of the month. They can charge us £25 every time we do not pay on the date. I am thinking of challenging this condition of the agreement as I have been told that they are forcing us into default by not allowing us to pay when it best suits us. We pay the instalments every month but We are refusing to pay this charge for now. Also the copy of the agreement we have is not signed by them. Can anyone advise as to whether it is worth us taking them to court to have this condition removed from the agreement

does anyone know if this applies to finance agreements as well ? My partner has a vehicle on fiance - we asked to change to date of the direct debit to suit is salary being paid but they only would not allow us to pay on the date we requested. The agreement states they can charge us £25 if we do not pay on the agreed date. I have had some advice to say they may be forcing him into default because they won't allow us to pay on our preferred date. We pay the instalments every month, just cannot do it when they want it because of all our other payments We are thinking of challenging this term of the agreement if we can

I thought about that but was concerned that the letter had been opened but we were are not the person it was addressed to ! A while ago, I was the victim of another debt collection agency trying to get me for a barclaycard that I never had. Apparenty a summonds was issued by northampton bulk centre without my knowledge. Even though the DCA could not provide any evidence, original CCA etc, I still had to go to court. The DCA did not attend and the case was dismissed (i still had to pay £75.00 to get a default notice removed which to this day has not been and no one will help me with this). The Judge said that changes were coming in and DCA's and alike have to prove that notices have been received. If this is the case, how can lowells take someone to court without proof that papers have been received when we know that, apart from a letter we returned ages ago, nothing else has been sent or hand delivered ?

thank you - I am new to this site - its great but I am not sure how to use it properly yet. How do I access the legal forum

my partner opened a letter addressed to his ex wife. It did not look official but like it might have come some who knew them (hand written envelope no return address) It was a letter from local county court, Lowells are trying to make his ex wife bankrupt. The letter stated that a statutory demand was issued in october last year. We remember that something was put through the letter box but we returned it stating that she no longer lived at this address. My partner is worried because it came to his home address and although she is no longer on the deeds to his property, he is worried they might try and make him liable. Can anyone offer any advice for us.