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patterns

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Everything posted by patterns

  1. Thanks DX100uk, i just checked again and there is no note of the n180 on MCOL just 'DQ filed by claimant on 15/01/2020' HI Andy, i guess my understanding is this is a payment agreement in which case i should've just done this before it got to the court stage. Do i not have much of a defence or is there a reason you suggest that?
  2. HI guys, nothing back from the courts yet but i can see it was delivered Got a letter from Lowells, which includes some documentation, a screenshot of an online application form approved 2013, statements and some letters. Same stuff as before generic t and c's with no name or dates. Default notice and notice of transfer They reference a few things in the letter such as my details match the defence etc etc Also they are proposing a Tomlin Order. Do i need to reply to this letter, this is the 'mediation' itself right? what ive read is std practice for every Lowell claim
  3. Ok cheers, Right so the n147a is the actual Notice of proposed allocation to small claims track nothing to fill or sign on that its just 1 page. then i just have the N180 Directions questionaire which has a signature box so ill send both to the court and copy no sig etc to LS Thanks!
  4. Hi all, Got an N180 Notice of proposed allocation to small claim track with Directions questionnaire. must complete by 2nd feb. Have searched a fair bit. my understanding is: A1 mediation = yes seems to be the norm although i dont see the point? the letter states only enter if you have some flexibility, im guessing this means a financial settlement C1 = Yes D1 ill choose a venue closer and the rest of the Q's seem standard stuff. So at this stage lowells could still not respond i believe but im reading up none the less it says t
  5. HI Puma85, im going through the same thing at the moment although one step behind you. How did the mediation call go? are you able to share anything?
  6. Apologies DX100 noted if you want me to upload still i will. and thank you Both Ok so under the claim history the last entry i see is 'Your defence was received on 10/12/2019' On the summary page also states last response as 'defence' Its 28 days from the date of them recieving my defence so im guessing this status will need to change in the next few days if at all otherwise they're too late Ill sit tight and keep checking it Thanks again
  7. Hi Guys, hope you had a nice Christmas and Happy New Year! Got a letter today from lowell its a directions questionaire? Thing is after researching im under the impression the DQ is sent by the court? i havent recieved anything from the court though, i did do it all online but nothing in my online portal either so slightly confused what this means and how to proceed? i found this thread only (post 17) and Andy you state to wait for the court to issue their own so presuming i do just that? Nothing else to prepare or do?
  8. WOW! Thanks alot!! i understand what you mean now. I removed point my point 2. as this seems to incorporate it. Think its good to go 1) the defendant entered into a consumer credit act 1974 regulated agreements vanquis under account reference xxxxxxx 2) The defendant failed to maintain the required payment, arrears began to accrue 3) The agreement was later assigned to the claimant on 29 September 2017 and notice given to the defendant 4) Despite repeated requests for payment, the sum of 2247.91 remains due outstanding And the claimant claims
  9. for my point 3. i could remove 'As the claimants plead in their particulars precise knowledge of the default'? as they havent pleaded this
  10. I Just noticed..... Thank you. I didnt refer to the default notice because they didnt but now added a response i saved 1) the defendant entered into a consumer credit act 1974 regulated agreements vanquis under account reference xxxxxxx 2) The defendant failed to maintain the required payment, arrears began to accrue 3) The agreement was later assigned to the claimant on 29 September 2017 and notice given to the defendant 4) Despite repeated requests for payment, the sum of 2247.91 remains due outstanding And the claimant claims a)The said sum
  11. HI Guys, any feedback on this please? Presuming its good to submit
  12. 1) the defendant entered into a consumer credit act 1974 regulated agreements vanquis under account reference xxxxxxx 2) The defendant failed to maintain the required payment, arrears began to accrue 3) The agreement was later assigned to the claimant on 29 September 2017 and notice given to the defendant 4) Despite repeated requests for payment, the sum of 2247.91 remains due outstanding And the claimant claims a)The said sum of £2247.91 b)The interest pursuant to S 69 county courts act 1984 at the rate of 8% per annum from the date of issue, accr
  13. Just received a letter from lowells sols stating they have note of my aos They have stated they have attached - Copy of agreement, statement and notice of assignment HOWEVER - they had not attached my notice of assignment and they have sent me the same 'agreement' as before which was 3 pages of a computer print out, statement and some rehashed t's anc c's. i can re upload again but its exactly what i uploaded before They state they have requested a copy of my default notice So in light of this shall i still send the same defence? i think it stil
  14. Ok because i read parapgraph 3 of the PAPDC i thought it referred to another letter that would state they are going to claim ot the PAP itself, my mistake So Remove my 1) and also 3) or re-word it for their paragraph 2? i think i may have kind of answered that in my point 2) already
  15. Hi Guys, i read a fair few threads and saw a lot of similar templates being used. i liked this one below and although i could elaborate on certain things (they ignored my CCA and sent 2 PAPs etc etc) , am i right in that at this stage keep it short? If thats the case i cant see what i need to add/change about this one 1) the defendant entered into a consumer credit act 1974 regulated agreements vanquis under account reference xxxxxxx 2) The defendant failed to maintain the required payment, arrears began to accrue 3) The agreement was later assi
  16. Yes you're right my apologies, i was just worried to say the wrong thing, im reading up now thank you Andy, and will post it hear just to double check its ok, ive got a pretty good idea but will read up some more first Thanks again guys
  17. hi Guys, ive not heard a thing from Lowell, shall i file tha defense now? What shall i put as the defence? that they have not provided any relevant documentation?
  18. Thank you DX! and Thanks also Andy AOS done on MCOL CCA sent CPR sent Lets see what happens
  19. My Apologies! i missed the top question What is the claim for – the reason they have issued the claim? 1) the defendant entered into a consumer credit act 1974 regulated agreements vanquis under account reference xxxxxxx 2) The defendant failed to maintain the required payment, arrears began to accrue 3) The agreement was later assigned to the claimant on 29 September 2017 and notice given to the defendant 4) Despite repeated requests for payment, the sum of 2247.91 remains due outstanding And the claimant claims a)The said sum of £2247.91 b)The
  20. HI Guys, Have received a county court claim today dated 12th nov. im going to fill out all the CAG questions in this link and post shortly
  21. so update, i sent it off an silence again, not even a response to my reply
  22. HI all, thought id give an update, Nothing came of the court claim, i havent even heard back from the courts, is that normal? I have however started to received statement of accounts from erudio again
  23. yep second one... guess i need to reply again right?
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