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About gfrench

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  1. where would you suggest I add this? I am assuming at the beginning of my defence. Thank you for your assiatnce final def.pdf
  2. My defence is due tomorrow. I have removed the section 78 which i did not realise was the CCA request. Many thanks defence3.pdf
  3. Defence is attached. Hope I'm getting closer to a successful defence? Many thanks defence.pdf
  4. They were successful in confusing me. Do I still need to submit defence? Can I request they remove the default from my credit file? The letter says it cant enter default for mobile contract? thanks
  5. Received a reply today to CPR request. Please see attached file. Please help as not sure what this means? Is my defence that they are not the original creditor and therefore not entitled to claim the balance without been able to provide the documents. Thank you Overdales.pdf
  6. Equifax details= Lowell Portfolio Contract start date - 13/05.2010 date updated - 24/08/2017 default date 05/04/2016 3.The debt was legally assigned to the claimant on 28/02/2017. Notice of which has been given to the defendant. The account went into default with Vodafone the original creditor 05/04/2016?
  7. CPR request sent to solicitor. I have till 18 may to submit defence? Waiting for response, if I get no response from the request is this my defence? Please help with next step. Thank you
  8. CPR request to be sent to Solicitors? How do I acknowledge service to the court? Do I return the Defence and Counterclaim in the response pack? Thank you
  9. Please confirm first step is to request copy of consumer credit agreement to Lowell Portfolio Ltd. Thank you
  10. Name of the Claimant ? Lowell Portfolio Ltd Date of issue – 16/04/2021 Particulars of Claim What is the claim for – 1.This is a claim for the sum of £249.90 due by the defendant under a vodafone account 6*******. 2.The Defendant failed to maintain contractual payments required under the terms of the account agreement. 3.The debt was legally assigned to the claimant on 28/02/2017. Notice of which has been given to the defendant. 4.The claim includes statutory interest under s.68 of the county courts act1984at a rate
  11. I have received a Claim form from Overdales solicitors on behalf of Lowell issued on 16/02/2021. I have may have stupidly ignored any previous correspondence Notice pending legal action 12/02/2021. I have ignored Lowells because they were a DCA and didn't think they would pursue the debt yet alone take me to court. The claim is for an old Vodafone contract phone that would have expired before 2017. I have been having medical issues and investigations. I am looking for advice, what should I do next? Many thanks
  12. I took out £200 loan with wage advance just after Xmas. My monthly payments are £72 approx. I telephoned today to offer a full and final settlement and my offer was declined because not in arrears. I explained my circumstances have changed. The only offer they made was to force it into arrears and redo an affordability assessment and then make 6 payments . Every payment made is interest only the final payment is the loan amount plus interest (£272). Any advice appreciated
  13. when i went through the process years ago they were over 6 years old, and informed them that the debt was statute barred and also they had had not produced a legible credit agreement.
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