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Anthony7

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  1. Ok thanks I understand...will give them both a call tomorrow!
  2. Thank you, do you mean to ask for the dates of when I last paid them for the contracts that I may have had with them? Is this essential for the Defence letter? Though I am 99.9% sure I have never had a contract with EE, surely the Claimant's whole case would be dropped if I prove this to be the case? Thanks!
  3. Ok so here is the credit report...let me know if this is enough info! Regarding a) EE Limited £100 There is no mention anywhere on my credit report of this, either under Lowell or EE. And as mentioned I don't remember ever having a contract with them or receiving a letter about it. Regarding b) Lowell/Hutchison 3G UK Ltd £150 15/10/2019 Updated Account start date: 20/04/2013 Opening balance: £ 62 Repayment frequency: Monthly Date of default: 04/02/2015 Default balance: £ 62 Regarding c) Lowell/Hutchison 3G UK Ltd £750 15/10/2019 Updated Account start date: 21/05/2014 Opening balance £ 72 Repayment frequency: Monthly Date of default: 15/01/2015 Default balance: £ 72 My report says that there are no closed accounts... Thank you lots, let me know if I need to find out anything else..! It just tells me the date of default, not any other dates when I last paid...
  4. Ok...but I don't know what accounts Lowell's references are referring to, especially the EE one...but I guess I can work it out from the report. I tried with Experian, is there a quicker way? Thanks! Perhaps I will call 3 tomorrow! "Here's what happens next: We'll email you in the next 24 hours to confirm your application. We'll email you once we've put your Passkey (which you'll need to access your personal data) in the post. In the next seven working days, we will send you a letter in the post with a passkey which allows you to download your report"
  5. Ok so here we go, amounts are vaguely rounded...I currently have an active contract with 3 that I have had for about 6 years, and have never had a contract with EE: Name of the Claimant:Lowell Portfolio Ltd Date of issue:5 th November 2019 Particulars of Claim: The Claim comprises the following Agreements the Defendant entered into: a) EE Limited with reference x and current balance of £100 b) Hutchison 3G UK Ltd with ref x and current balance of £150 c) Hutchison 3G UK Ltd with ref x and current balance of £750 "The agreements were terminated as payments were not maintained and subsequently assigned to the Claimant. And the Claimant claims: a)The total of the said sums being £1000 b)Interest bla bla of 8% but limited to one year, being x c)Costs"" What is the total value of the claim? £1200 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? Yes, but I don't have the letter Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? I moved temporarily to multiple other addresses abroad and in the UK, then returned to the original address. Did you inform the claimant of your change of address? No I have never spoken to, acknowledged or written to the claimant, but anyway I have kept my current address as my permanent address for most correspondence including for banking and phone contracts. Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? 3 (the number) mobile phone accounts (2 by 3 (the company)) When did you enter into the original agreement before or after April 2007 ? After (one I don't believe I ever entered into), all would have been between about 5 and 6 years ago Do you recall how you entered into the agreement...On line /In branch/By post ? Online Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? I'm not sure 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. All debt sold to Lowell Portfolio Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes (but I don't have it) Did you receive a Default Notice from the original creditor? Not sure, likely yes (I was living abroad during the last 4 years ) Have you been receiving statutory notices headed “Notice of Sums in Arrears” or " Notice of Arrears "– at least once a year ? Not sure, likely yes Why did you cease payments? Financial reasons What was the date of your last payment? Unknown, likely between 5 and 6 years ago Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No And they say that I should reply within 14 days of the day of service...the day of service is taken as 5 days after the issue date.
  6. Ok cool many thanks! Much appreciated...I will check everything out now and answer all those questions!
  7. Hi! in the past I have legally had credit card debts written off, due to them being passed onto a debt collector, who had no record of a signed CCA between me and them. Now Lowell are chasing me for 3 old phone bill debts from around 5 or 6 years ago (one of which I do not recognise as it's with EE, and I have never had a mobile contract with them, or with BT.) which somehow adds up to over 1000 pounds. They have sent me a County Court Claim form via the County Court Business Centre. If I just filled in the Defence with "The Defendant denies that they have previously entered into an Agreement or contract with Lowell Portfolio Ltd and does not wish to consent into entering a contract or Agreement with Lowell Portfolio Ltd.", what exactly can the court do to enforce their claim? As I have never spoken, replied or acknowledged any letters from them in any way previously. Many thanks in advance!
  8. Hi Bedonde, I am in pretty much in exactly the same situation...my Wonga loan is about £630 and I shall not even be close to paying it off this month or the next. Doing some research but will probably set up a repayment plan over 12 months also. I am due to repay on Tuesday 11th October...let me know what happened in your situation. Anyone else who has any more advice...it is much appreciated. Anthony
  9. Yes it is. I shall reply to Apex, still seems strange that as soon as I request the CCA the next letter comes from Cabot, who have a different address, with no explanation. Only by checking the net did I find out they were basically the same company... So I have an Apex and a Cabot reference number regarding the same debt. Seems very illogical, if it turns out to be a ploy on their part I shall post it on this forum.
  10. The debt, which I have not acknowledged, is around the £700 mark and was through a credit card owned by the Goldfish network. I stopped paying the payments around 4 years ago as I moved abroad. It would seem Apex/Cabot have purchased from Goldfish, their is no mention of assignment etc. in the letters. As I am now back in the UK they have evidently tracked me to my current address. Previous debts I have easily overcome simply by requesting the CCA and putting the account into dispute. I would rather see my credit rating go down than pay back the debt. Let me know if you need to know anything else.
  11. Hi everyone, this is quite a simple question: Apex have bought my old debt from Goldfish and have contacted me demanding payment. I have sent them a request for the original CCA. I then received a letter acknowledging my request from Caboot Financial, who are owned by Apex. Caboot however have given me a new reference number and they have a different address. They have also returned my £1 postal order. Should I send my letter to put my account in dispute to Apex or Caboot? It probably does not matter however I was thinking they do this for a reason... Your answers are much appreciated, Anthony
  12. Received letter from Lowell on Monday with the following: "We refer to your recent request for a copy of the original credit agreement for this account. After liasing with Barclaycard in an effort to obtain this document we have been advised that it is no longer available due to the length of time since the account was opened with you. We are closing your account. At this time we have closed our file and will not make any further contact with you concerning payment against this account unless the copy of the agreement is received at some point in the future from Barclaycard." The best part is at the end, where, highlighted in yellow, it always says "Your Next Steps" in big letters and "Pay balance in Full" blah blah blah. Now it says " Your Next Steps: You don't need to do anything" Victory. Infinite thanks go to Tingy and everyone else, Tingy mainly. Will pass on what I have learnt to others. Respect
  13. Thanks for everyone's comments. Doing some more research!
  14. Thanks Tingy will do some more research tomorrow. To conclude one of the methods Getoutofdebtfree.org suggests: 10 days after CCA request: "Re: Account/Credit Card/Reference Number: Dear Mr/Ms I wrote to you on requesting the following documentation, so that I may settle any financial obligation I might lawfully owe: 1. Validation of the debt (the actual accounting); 2. Verification of your claim against me (a sworn affidavit or a hand signed invoice in accordance with Bills of Exchange Act (1882) ); 3. A copy of the contract signed by both parties and therefore binding both parties. As you have failed to provide the aforementioned documentation to validate your claim, I hereby give you ten (10) days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud or mischief. Your said failure to provide the aforementioned documentation within ten (10) days, from the above date, to validate the debt, will constitute your agreement to the following terms: 1. That the debt did not exist in the first place; OR 2. It has already been paid in full; AND 3. That any damages I suffer, you will be held culpable; 4. That any negative remarks made to a credit reference agency will be removed; 5. You will no longer pursue this matter any further. 6. You agree to pay all fee schedules." This starts the formation of the lawfully binding agreement. The next stage would be to send a letter, 10 days later, along the following lines that completes the lawfully binding agreement: "Re: Account/Credit Card/Reference Number: Dear Mr/Ms I wrote to you on requesting the following documentation, so that I may settle any financial obligation I might lawfully owe: 1. Validation of the debt (the actual accounting); 2. Verification of your claim against me (a sworn affidavit or a hand signed invoice in accordance with Bills of Exchange Act (1882) ); 3. A copy of the contract signed by both parties and therefore binding both parties. As you have failed to provide the aforementioned documentation to validate the claim within the ten (10) days requested in my last correspondence, we are now have a lawfully binding tacit agreement, comprising, the following terms: 1. That the debt did not exist in the first place; OR 2. It has already been paid in full; AND 3. That any damages I suffer, you will be held culpable; 4. That any negative remarks made to a credit reference agency will be removed; 5. You will no longer pursue this matter any further. 6. You have not proven any debt, if you sell the alleged liability, and/or appoint an agent to act on its/your behalf on this matter you will have broken our agreement and you agree to pay the following fee schedule £(3X what they are claiming) for dishonouring our agreement, £1000 per hour or part of it of authorised representatives time nunc pro tunc, £1000 per recorded delivery or any other form of response nunc pro tunc also any further contact is now not necessary, if however you deem a need to contact me by phone or letter the fee is £100 per item payable in advance, place the cheque in the envelope, if no payment is made in advance the fee will rise to £1000 per item and you will also be held culpable for any cost incurred while recovering the debt you owe."
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