Ok, thank you for you support and tomorrow i will let you know how i got on at the court.

Is there any special form to fill ?

I have a court case tomorrow, is it to late to claim for the cost ?

Thank you 42man, i did read and follow most of your Trhead and found them very helpfull, However Lowell never added any charges to original debt,but may be barclaycard did. Anyway, whether the outcome of the court i dont mind, if i win is another win against them and if lost is just another experience to learn from it and share it with other.

The date of the hearing is 15/05/2012, the amount in the SD is £ 770 and i have sent for CCA on 19/02/2012 which i assumed they defaulted as they did not provide it. 1) The defendant disputes the alleged debts substantially and the whole debt is bellow £750 2) The claimant has served the Statutory Demand on 29/02/2012; however, I received it on 13/03/2012. Therefore, the defendant avers that the Statutory Demand was not served correctly by not allowing 18 days to apply to set aside the demand 3) The claimant has failed to provide a copy of the agreement despite a legal request made under the Consumer Credit Act. 4) The claimant has failed to provide any deeds of assignment 5) The claimant has failed to provide a default notice (which contains the prescribed terms) as required under the Consumer Credit Act

What kind of details?

The court claim is to set aside a SD ?

I have court case against lowell to do with SD, which is due in May any advice ?

I had same probleme with lowell, i ignore them for a while,but they eventually will use the SD as a tool: 1) To intimidate the debtor, so you may panic and call them back to arrange a payment and once you start paying them,then you admit the debt to lowell. 2) Lowell, will hope that you ignore the SD and if you ignore the SD, it mean that you admit the debt to them and they will come with something else probably with CCJ. If Lowell issue an SD do not ignore it and you have 18 days to file Application to Set Aside a Statutory Demand which is free . In most cases the judje goes against them and send back licking their wound.Good LuckNoumidia

No PPI, but i am pretty sure they did add unfair charges.This account was defaulted long time ago.At the moment I am also claiming PPI on my overdraft wich i had since 1999 till 2009 and charges for credits card and bank a/c , thank you for you support Noumidia

Hi Everyone, I am new to this site, but I was reading every single thread for involving the lower DCA. I have been badly treated and intimidated by these DCA in the past. However, I learned my lesson not get intimidated by DCA and face them. In 2006, I defaulted on Barclaycard then I closed the account with an outstanding balance of £1994. I start paying moorcroft £25 a month until 05/2008 when I lost my job and the closing balance was £1564. In 2009 my wife lost her job, and I borrowed £3000 from relative to cover for our mortgage for few months. I put the cheque into my Barclays current account, suddenly I realised that £1600 was missing, I phoned the bank and they said that the amount of £1600 was debited by Barclaycard and is irreversible and you should contact Barclaycard department. I contacted Barclaycard and trying to get my borrowed money back and they refused and threaten them to go to the court to claim it back, because that money was there to cover mortgage and the mortgage is the priority debt. Barclaycard asked me to send them a photocopy of the mortgage statement and refunded half the money because the mortgage is in both names me and my wife. Two weeks later, bc wrote me back and said thank you for the payment, however there is an outstanding of £770 please call us back to make an arrangement, I call them back, I said I am willing to pay you £1 a month take it or leave it if you are not happy then go to the court , this was last time I spooked to them and on 07/2011 they sold my debt to lower Lowell. On day, the lower Lowell phoned and they asked me to confirm my name, address, date of birth and all the usual questions for security reasons, I said yes:” by the way, is you who call me out of blue and can you confirm your name, address, and date of birth and social security for security reason. The lower lowell man replied:” I can’t do that” and I said therefore I am not giving my detail to strangers, it must be a fishing [problem]. The lower Lowell man was so annoyed he hang the phone on me. They started sending me threatening letter, I ignored them and I was ready for them as I have nothing to loose , my CRA file was in a mess because of these DCA dirties tricks and intimidating method. The lower Lowell with their usual trick they posted an SD through the door. The SD was serviced on 29/02/2012 and they posted 14 days later through my door. They did that in purpose so I would not have the time to set a side the SD. As I was prepared for them, my CRA file does not have any trace of Barclaycard or lower Lowell and. I filled the form 6-04, 6-05 and send them to the court. Lower Lowell thinks, that I may panic and call them to settle the account “No way hosay” or they think that maybe I will ignore the letter and miss the deadline. Well as I said before DCA the play every single dirty trick in their books to get money from hard working people. I think DCA are related somehow to hyenas, because hyenas to get their food either they chase a wounded animal or they eat what is left over. I am not contacting lower Lowell to let them until I face them in the court.