thankyou

Thanks citizenB There is no solicitor on the claims form it just says (top left) claimant lowell portfolio..... then in the box underneath lowell again, it is signed off bottom left with a typed lowell financial, when I rang to ask for an extension i was connected directly to there normal rude sales team, they told me to do whatever I wanted and they would contact me sometime next week to see if there legal eagles would allow me an extension, I did put out it was them taking me to court and them not sending me there claim details, in which they put the hung up on me... nice. I have looked back through all paperwork and found a barclaycard payment made back in 2004, But this i am sure was paid off, it certainly also says that on the credit report from 2008 and there is nothing on my credit file now. How do I make a donation to the CAG ? AFter this I have a sizzler for you with regards to our mortgage with DB mortgages, who has sent us a letter due to a mis sold mortgage which goes 7 years best the wife's retirement! and where they paid the broker £11,000 - still that is another day!! thanks again I will be filing tomorrow, as I have spoken with the court and they said final day is tuesday

bumpy

Hi people the letter was delivery as confirmed on the post office website and I have not heard anything, it has been over three weeks since I requested the original signed agreements as well as per my letter above. They have not instructed a solicitor, when I contacted the number on the claim form it just went to Lowell's, how advised me that they only received the letter yesterday, I pointed out it was signed for on the 11th, they agreed then said that they wont know till next week about an extension?? Is it best I notify the courts, there saying they had no contact with me at all and why am i asking for all this information now... Which is BULL... Any help would be very helpful, going to ring the court and advise that I have requested CPR and that they have not got back to me, I will let the court know that I will let them know what I am doing by recorded letter monday. Thanks in advance people

Hi People I have had no response to the request for original docs by phone and my letter (CPR) as above has gone unanswered. I am aware that time is moving on, should I submit a defense based on the fact that I believe the Barclaycard debt to be settled as per my credit file, also that they have not responded or complied with any requests. Should I apply for an extension and how do I do that? Thanks all d

Thanks so much for your help citizenB Dave

I really do appreciate all the help so far I have worked on the letter which i intend on sending tomorrow by recored delivery. Please let me know if there are any glaring mistakes I will also look over the site and review before sending. I often get carried away and bugger things up in letter. [ATTACH]31396[/ATTACH] Thanks again d

firstly I really appreciate everyones help. CitizenB, I know I was away for 3 days and only noticed on this site last night about the time scales!!! I will take advice tonight then send by special tomorrow. I can't tell you about the account as Barclays deny it, Lowell's won't give me any information and I don't have any statements at home unlike all my other debts, which is why I disputed from the start, I think I paid it or they are confusing the accounts with the select account which again was paid or the barclaycard which had a limit of £1000 which again was cleared, its a nightmare. Thanks again

I am being really honest when I say that I cant remember having this however I did have a lot of problems, If it was a debt then I would pay The last payment to any barclaycard was on the mid December 2004. I know about the statue barred but there not really listening, this has been going on for years. d

The issue date was 21st October, however we didn't receive the claim until 3rd November. I will no longer speak with them by phone. I logged on to the court website and filed the AOS today at 12, the website said I was within time. Thanks

Thanks for your response. Sorry for the huge first post. I thought it best to get it all out in one Thanks again Dave

Firstly I have been reading through your site and must congratulate you on a wonderful service and website. If only I had put my thinking cap on earlier and paid more attention! This is a big one and I have followed your advice so far... here go's.... I had loads of debt in 2006 when my company went into a CVA, I have kept a lot of the information and letter replies including an experian report dated may 09. I had numerous debts up to about 100k, with a remortgage I paid around half and tried and have succeeded in removing another 25k to date. Lowell then wrote to me saying I had a debt of £16k with barclaycard, I am being honest in this forum to hopefully get the best advice I did have a barclays select account which was owed around 15K and one small barclaycard for around 1k , I also had two MBNA cards, 2 Capital One's, blah blah you hopefully get the picture I did speak to them and said that I thought they had it wrong and that they were chasing the barclays select account which I had paid off with my remortgage, in-fact most cards were cleared at this time, they were however also chasing a small debt for capital one £678.00 of which I didn't clear - naughty I know Every three days or so I had a call and gave them the same response, asking for original proof, the last payment to barclaycard that I can find on any statement is in Dec 04 - I believe this is for a barclaycard which i'm sure didn't have a big limit. Lowell's keep moving the debt between all their companies - Red, Lowell's, Hampton's etc for about a year. I gave them the same response and they say they will put the account on hold and look into things - they then move it to another collector in their group. Good news I hear nothing for a year or two then in 2009 they are back in contact and a little more upset. Again I tell them the story, they have tried to catch me a couple of times as I have this other account with them, which also floats between all their companies. In may 09 I decided to get a credit report via Experian to try and clarify things, I have kept this report as well, I notice Lowell's have their £678 debt listed but the Barclays listings are as follows: Barclays Bank Default Barclays Bank PLC Woolwich Account - Bank Default Balance - £14,964 Current - Satisfied Defaulted on - 16/05/07 Barclays Bank Default Barclays Bank PLC Woolwich Account - Bank Default Balance - £2,530 Current - £1,437 Defaulted on - 13/02/07 Barclays Bank Default Barclays Bank PLC Woolwich Account - current Default Balance - £2,890 Current - Settled Defaulted on - 27/06/07 Barclaycard Credit Card - Satisfactory £0 10//05/09 Entry number C15 Barclaycard Account - Credit Card / Store Card Started 23/01/1997 Current Balance - £0 Credit Limit - £1 Credit Limit History - £1,000 (12/08; File updated for the period to; 10/05 2009 Summary of payment history - in the last 36 months account activity 1-2 is 0 - 3+ is 0 Balance £0 £0 £0 £0 etc etc Payment Account as above Payment statement as above Cash Advance 0000000 Payment code .. .. .. .. etc Promotional Rate n n n n n etc I wont bore you with the other bits I sent a letter to the effect as above saying what did I owe, I then heard nothing I got two different reports yesterday including Equifax - This stills shows the £678 opps, it now shows that I have cleared a lot of my debts and more importantly the Barclays accounts are all still on there apart from the Barclaycard that they are chasing?? I had thought this had gone away, no excuses now but again into huge problems again with the business, some massive legal actiion against close finance (bless them) which I lost for the tune of £35k Ready for the huge mistake... I didn't like the letters from Lowell's so I left them to last to pay up, I had a recent telephone call about the £678 amount which I did really owe and agreed £10 a month, I finally got fed up with them insisting on raising the amount so only paid a few payments. Started having letters again about Barclaycard, I was advised to just ignore it, which I did, then had some really nasty letters from Hampton's a few months ago threatening to send people to the house and bankruptcy, insolvency, and the latest saying they know we have equity in the house, therefore they will get judgement and charging order and sell the house to get paid in full - also send we should contact the local housing association to discuss alternative housing - this really panicked the wife as we have children, one on disability. It seems I accidentally paid a few payments on this Barclays account as they moved the other one elsewhere ((((( - we're talking about 50.00 paid and I did ring them after cancelling saying that they had put payments to the wrong account - which was 50% my fault for not checking their account codes. I could have easily walked away from my debts but have worked hard to clear them ( if owed ), having cleared 75% and gone through a company CVA many of our files which were kept at work have vanished, I do have around 75 letters from all companies and a few that I wrote to them. Having looked at your site and the OFT report it seems they have broken nearly every code in the collection guide! They have started legal action and I told them by phone that I was recording the conversation and that I disputed the debt, and always have, I reminded them that the payments were incorrectly put against the wrong account, I also asked for the following : A true copy of the assignment* A true copy of the default notice* A true copy of the termination notice* I have got a claim form from the Northampton CCBC court and have today sent a AOS and sent online, here is the claim they are making: The defendant entered into an agreement with the assignor, regulated by the consumer credit act 1974. The defendant failed to comply with the terms and the agreement was terminated in accordance with the statutory notice of default. The benefits of the agreement were assigned to the claimant. Debt assigned on 21/05/08 by Barclaycard. The Claimant claims: 1. 16841.62 2. Statutory interest pursuant to section 69 of the county courts act ( 1984 ) at the rate of 8% per annum from 21/05/08 to 20/10/11 4595.69 and thereafter at a daily rate of 3.69 to date of the judgement or sooner payment. Agreement xxxxx ; 21/05/08 ( my agreement with them? ) Claimed £21,437.31 Court Fees £310.00 TOTAL £21747.31 I did have debts, A lot! Due to our paperwork and no help from barclays or lowell's, I have no idea if this is right, honestly if I thought I did have the debt then I would go after them for harassment, I really don't remember, I did have a Barclaycard and did pay it off, If I can remember rightly.... also the credit file makes sense listing it as paid and a limit of £1000. Really sorry to hit the CAG with such a biggy on my first post, will send some pennies and hugs and even a happy bonus if you can finally help me out of this nightmare I hope all is included... The deadline for the AOS was today and this has been done, so I have 14 days but want to jump sooner rather then later (jump onto getting this sorted out, not cliff Dave