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jaylee768

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About jaylee768

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  1. Hi, I'm not sure what happened with this in the end. I didn't hear back from Lowell with the information requested and for some reason the website didn't let me file a defence (the website wouldn't even let me login into the case because it didn't exist). Haven't had any court letters or anything through since. No CCJ placed on my credit report either. Any ideas? Thanks
  2. So tomorrow I submit a defence based on the fact they haven't bothered sending me the necessary documents? Not really sure what I should be doing next if I'm honest. Thanks for your help.
  3. Yes I did, but today is the 30th day so am I not out of time to do anythung about this?
  4. I receieved this from them today (The last day i have) We reply to your comments as below; 1: The agreement/overdraft Facility confirmation and Terms and Conditions from that date pursuant to section 61B of The Consumer Credit Act - the agreement has been requested and will be sent to you once received from our client. 2: The Demand/Termination Notice (Notice served under Sections 76(1) and 98(1) of the CCA197 - the default notice has been requested and will be sent to you once received from our client. 3: Notices of Sums in Arrears under running account credit CCA2006 sec 86C – please be advised that the NOSIA act was introduced in 2015 and your account was defaulted by the original creditor on 14 January 2013 therefore, this will not be available on your account. 4. Notice of Assignment – this has been requested and will be sent to you once received. We can further confirm that you made a payment towards this account of £90.00 on 07 September 2012 which was 3 years after the date of the account being taken out. We will provide you with the requested documents once we have received the same from our client. In the meantime, if you wish to speak with a member of our team, please telephone us between 8:00am and 8:00pm Monday to Friday or between 8:00am and 2:00pm Saturday on 0113 335 3334.
  5. So are you saying if I wanted to change the passenger name from "John Smith" to "Bill Gates" they wouldn't let me? Or do you not know for definite how that works? Because I've heard of loads of people that change names and sell their holidays, but obviously I want to make sure before i do it. Thanks
  6. It looks like Thomas Cook don't do refunds on flights so I'm guessing that is out of the question too. As far as the booking is concerned, I am logged into my account right now and it's saying I can change the assenger name for £25.
  7. In all fairness from looking at the terms they are right to charge me the flight cost. I just thought seeing as there is over a month to go they could of just sold the holiday to someone else, which they are clearly going to do anyway. It doesn't look like I can do anything about it other than try and sell the holiday to someone else myself, anyone have any ideas? Thanks
  8. I booked a holiday a few weeks back using Love Holidays. The total cost of the holiday was £680, all i have paid so far is the £80 deposit. It was a silly holiday to book anyway, I can afford to go but I could do with the money on other things so I decided i wanted to cancel it. I emailed them asking to cancel and now they want me to pay for the flight cost, which is £300, the holiday isn't even for over a month away surely this is an acceptable cancellation period! Anything I can do? Thanks
  9. I unfortunately haven't had the chance to get anything printed up (because I don't have a printer) and sent in the post, does anyone feel I still have a chance to defend this action now I've left it so late? I've had a look and from the sounds of sending an SAR it can take them a while to get back to you, would that still be the same for a CPR? The only thing I've done in the past 3 weeks since receiving the claim form was acknowledge the form on mcol website!
  10. All I remember from back then was that I was in trouble with payday loans, I had no money in the bank to cover the repayments but they authorized some of the payments to be taken out anyway. It put me into an unarranged overdraft where I was getting charged stupid amounts of money. I called them and we entered into an agreement and I believe they put me on an account which i had to pay £10 a month for, and in return I wouldn't get charged unarranged overdraft fees, I think it was an account called "control" or something. That's all i can remember unfortunately. Thanks
  11. Where do i send it just to the solicitors address? Thanks
  12. And also, are we talking about this letter here? http://www.consumerwiki.co.uk/index.php/DCA:_Using_CPR_31.14_to_Your_Advantage Thanks a lot
  13. So I just get a version printed out and then send it to them first class recorded or something? Thanks
  14. Name of the Claimant LOWELL PORTFOLIO Date of issue – 16th June 2016 Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total) - ^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE OF THE CLAIM IS DAY 1 [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days in total What is the claim for – the reason they have issued the claim? 1) The Defendant entered into a Consumer Credit Act 1974 regulated agreement with Lloyds Banking GrouP PLC under account reference XXXXXXXXXX ('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 17/06/2015 and notice given to the Defendant. 4) Despite repeated requests for payment, the sum of £1,309.85 remains due and outstanding. And the Claimant claims a) The said sum of £1,309.85 b) Interest pursuant to s69 County Courts Act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, accruing at a daily rate of £0.287, but limited to one year, being £104.50 c) Costs What is the value of the claim? Amount claimed: £1414.35 Total amount: £1564.35 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Unplanned overdraft on a current account. When did you enter into the original agreement before or after 2007? After, 24/12/2009 as stated on my credit report 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, debt purchaser. Were you aware the account had been assigned – did you receive a Notice of Assignment? I think so. Did you receive a Default Notice from the original creditor? Not that I'm aware of. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Not that I'm aware of. Why did you cease payments? Couldn't afford to pay the ridiculous fees they were charging me every month. What was the date of your last payment? I'm not sure, on my credit file it's showing no payments for the last two years, and no payment history before that for some reason. Was there a dispute with the original creditor that remains unresolved? No, I contacted them a while ago to dispute it but nothing came from it. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes, but I couldn't afford to stick to it.
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