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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 CCA20
  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 Cons
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