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daniel197

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About daniel197

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  1. Evening all, Is it true that there is a 6 year time limit on all unfair bank charges? Over a 2 year period with A&L my partner and I racked up over £1k of charges, which looking back on it caused us quite a bit of financial difficulty. These charges were from 08/09. Is it far too late to pursue anything? Also, i have copies of the statements detailing these charges if that makes a difference. Thanks in advance Daniel
  2. Yes, MCOL says defence was received on 3rd Oct.
  3. Is there a time scale after submitting my defence before the claim gets struck out/set aside?
  4. Defence has been submitted this evening. Thank you all for your help, i'll keep you posted on the outcome. Cheers
  5. Yes, I filed the acknowledgement online via the MCOL, so i still have the original forms. thanks daniel
  6. Name of the Claimant ? Lowell Portfolio 1 limited Date of issue – 20 Sep 2016 Date to submit defence = 21 Oct 2016 [as 33 falls w/end -dx] What is the claim for – 1) The defendant entire into an agreement with Vodafone under account reference xxxxxxxx ('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 27/03/2012 and notice given to the Defendant. 4) Despite repeated requests for payment, the sum of £160 remains due and outstanding. And the Claimant claims a)The said sum of £160 b) Interest pursuant to s69 County Courts Act 1984 at the rate of 8% per annum to the date of issue, accruing at a daily rate of £0.0XX but limited to one year, being £1X.XX c) Costs What is the value of the claim? £240 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Mobile Phone When did you enter into the original agreement before or after 2007? Not sure. Possibly 2008/2009 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. Lowell Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes 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 ? No, although I do have a 'Statement of Account' from Lowell Why did you cease payments? 12/24 month contract was well finished, informed vodafone by call and stopped using the services I have been charged for. What was the date of your last payment? July 2010?? Was there a dispute with the original creditor that remains unresolved? Yes Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No
  7. Thank you Scott, sorry for posting in the wrong forum.
  8. Evening everybody, hoping for some advice regarding a claim form i've received from Lowell solicitors regarding a Vodafone mobile phone debt. Around 2008/2009 i took out a mobile contract with Vodafone, fairly sure it was for a year. After the year was had passed, i continued using the phone and paying the monthly line rental, without upgrading my contract or taking out a new phone. After some time (mid 2010?) I informed Vodafone via telephone that i did not want to continue doing this and intended to put a pay as you go sim into the same phone. As far as I can remember nothing more was said. I continued to keep getting monthly line rental charges for a number of months when I called vodafone again was informed that I could only end a contract via written letter. Monthly charges stopped but debt collection letters started arriving for the £152 outstanding. Foolishly I didn't do anything about this at the time, thinking it wouldn't come to anything as they were trying to charge me for something that had been cancelled and clearly wasn't being used. Dated 20 sep 2016 i've now received a claim form from Northampton court for £240. I've already sent off the acknowledgement of service. What should be my next step? I desperately don't want a CCJ, but don't really think this £240 charge is at all fair. I've got a Lowell statement of account from 2012 that shows vodafone transactions on the reverse between 21 July 2010 and 14 Oct 2010. £35 charges every month despite the only usage showing is £0.01 middle of August? Hope you can help, thanks in advance. Daniel
  9. I'm pretty positive this was done over the phone and and i'm sure I didn't sign anything. My brother worked for the bank for a year or two.
  10. Nope. Only 1 page to the credit agreement/T&C's. Not signed by me. Should it have an agreement number anywhere?
  11. Ok, hope these come out ok. I'm pretty sure i've removed everything I should have, but grateful if anyone sees anything I missed and lets me know. I've left out scans of the evidence of means and transaction summary but can get these up if need be. Cheers
  12. Just checked the MCOL site again. Claim was Struck out. I'll get the documents up as quick as I can. Cheers
  13. Seems this hasn't totally got away yet Letter from Howard Cohen Solicitors received today with copies of CA, transaction summary, DN and NoA. State they will consider any reasonable offer and include an evidence of means. Want a response within 14 days or will seek clients instruction to apply for judgement. Gonna do a search on the forum for any other similar cases. In the meantime, any thoughts?
  14. Been a while since I've been on here. Since my last post the DQ was returned to the court. Not heard anything since. Just checked the MCOL website and theres an entry stating the claim issued against me was struck out at the end of July. Forgive my lack of knowledge but what exactly does this mean? And why haven't I received anything in the post about it? Cheers Dan
  15. Still no correspondance from Hoist or Cohen. I've received a small claims track directions questionnaire. Fill this out and send back to the court? Cheers Daniel
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